Estate Tax Planning in Orange County, NY
Be Smart About What Goes to Taxes—and What Goes to Family.
Estate taxes and related costs can quietly erode what you intend to leave behind. At Cammareri Wealth Management Group, we help families in Orange County, NY and beyond understand how estate taxes, income taxes, and other transfer costs may affect their plans—then coordinate strategies aimed at keeping more of what you’ve built working for the people and causes you care about.
Estate Tax Planning, Made Clear
Turn a Complex Tax Picture Into a Plan You Understand
Estate tax rules can feel technical and ever-changing. Our role is to help you see the big picture—where potential tax exposure exists, what options you might have to reduce it, and how those decisions fit within your broader financial and estate plan.
Grounded in our five core commitments—communication, consolidation, customized strategies, comprehensive planning, and long-term commitment—we coordinate closely with your CPA and estate planning attorney. While we don’t provide tax or legal advice, we help make sure the financial side of your estate tax planning is organized, understood, and aligned with your long-term goals.
Four Pillars of Thoughtful Estate Tax Planning
Estate tax planning isn’t about chasing loopholes—it’s about being intentional with what you own, how you own it, and how it eventually moves to the next generation. We focus on four core areas:
Understanding Your Current Exposure
We begin by looking at the size and structure of your estate—investment accounts, retirement plans, real estate, business interests, and insurance. Together with your CPA and attorney, we help you understand where federal or state estate taxes, income taxes, or other transfer costs may come into play so you can plan from a place of clarity rather than guesswork.
Consolidating & Organizing Your Financial Picture
Next, we help consolidate scattered accounts and organize information so everyone on your team—advisor, CPA, and attorney—is working from the same, accurate picture. This consolidation often reveals opportunities to simplify, reduce redundancy, and make more tax-aware decisions across accounts and ownership structures.
Keeping Your Plan Comprehensive and Current
Tax laws change. So does life. We revisit your estate tax planning on a regular basis—especially after major events like a business sale, property purchase or sale, inheritance, or changes in family circumstances. Our long-term commitment is to help keep your plan comprehensive, coordinated, and up to date, rather than a one-time conversation that quickly goes out of date.
Designing Customized Strategies Around Your Goals
With your goals and full financial picture in view, we outline customized strategies that may include coordinated gifting, charitable planning, trust structures, and beneficiary updates. The focus is not on generic tactics, but on approaches that match your family situation, time horizon, and comfort level—so the plan feels both tax-aware and personally appropriate.
Key Areas We Help You Plan For
Understanding Estate & Inheritance Tax Considerations
We help you see how estate, inheritance, and income taxes may interact with one another, and how different types of assets—IRAs, taxable accounts, real estate, business equity—can be treated differently at death. Our goal is to make the tradeoffs understandable so you can make informed choices with your tax and legal professionals.
Balancing Lifetime Gifts and Inheritances
Giving during your lifetime can be a powerful way to support family and causes you care about, but it needs to be balanced with your own financial security and potential tax implications. We help you think through how much you can comfortably give now, how those gifts should be structured, and how they coordinate with what you plan to leave later.
Coordinating With Your Attorney and CPA
Estate tax planning works best when your advisor, CPA, and attorney are on the same page. With your permission, we coordinate conversations so that your investment strategy, estate documents, and tax planning are all pulling in the same direction—aimed at reducing unnecessary taxes and making the process smoother for your heirs.
Integrating Insurance and Liquidity Solutions
In some cases, life insurance or other liquidity strategies can play a role in managing potential estate taxes, providing funds to pay expenses without forcing the sale of important assets. We help you evaluate whether these solutions fit your situation and how they integrate with your overall wealth management and estate plan.
Keeping Your Family Informed and Prepared
A thoughtful estate tax plan is about more than numbers—it’s about the people who will live with the results. When appropriate, we help you communicate the big-picture intent of your plan to key family members, so they understand the reasoning behind certain decisions and are better prepared to carry them out.
