Personal & Family Wealth Planning
Estate, trust, and multi-generational planning built around what a family actually wants to happen — not an off-the-shelf template.
Overview
Wealth planning is not a transaction. GEMRT has worked with many families across three generations — we know that the best plan is the one that adapts as the family changes. Our approach blends tax efficiency with the more important question: what do you actually want to happen?
We coordinate with your attorneys, investment advisors, and insurance professionals so that the plan operates as one system rather than a stack of documents that don't quite fit together.
What we deliver
- Estate tax planning and projections
- Gift tax returns (Form 709) and strategy
- Trust income tax returns (Form 1041) and planning
- Estate tax returns (Form 706) and portability elections
- Generation-skipping transfer tax planning
- Charitable giving strategy — CRTs, CLTs, donor-advised funds, private foundations
- Family office tax and accounting support
- Business succession planning
- Coordination with trust and estate attorneys
Who it's for
- High-net-worth individuals and families
- Business owners planning succession, sale, or transfer
- Families with members in multiple generations and jurisdictions
- Executors and trustees administering estates
- Philanthropically minded clients building charitable structures
How we work
Every GEMRT engagement follows a consistent pattern: a scoping conversation with a partner, a written engagement letter with clear deliverables and fees, and partner-level involvement throughout. You will not be handed off to rotating junior staff once the engagement letter is signed.
For ongoing work, we recommend quarterly touchpoints so planning opportunities are caught early and surprises are avoided. For project work, we scope tightly, execute, and move on.
Frequently asked questions
When should estate planning start?
Ideally before a liquidity event. Waiting until after a business sale, IPO, or inheritance limits many planning options. GEMRT recommends starting the conversation as soon as a significant value event is on the horizon.
Can GEMRT work with my existing attorney?
Yes. Most planning engagements involve close coordination with the client's trust and estate attorney. GEMRT handles the tax modeling, compliance, and trust accounting while the attorney drafts the documents.
Do you file estate and trust tax returns?
Yes. GEMRT prepares Form 1041 (trust returns), Form 706 (estate tax returns), and Form 709 (gift tax returns), along with the underlying planning work.