Latest / Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The 2026 Gift Tax Rules Explained: How to Gift Cash, Stock, and Family Loans Correctly
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Many parents and grandparents want to help family financially, but gift tax rules are often misunderstood.
In this episode, Tyler Emrick, CFA®, CFP®, breaks down the 2026 gift tax rules in plain English, including how much you can give without triggering tax, when gifting appreciated stock makes sense, and how to properly structure family loans using IRS guidelines. We also explain when a gift tax return is required—and why filing one doesn’t necessarily mean you’ll owe tax.
If you’re…
The skinny
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