Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Wealthy Families Use Intrafamily Loans for Estate Planning
In this episode of The High Net Worth Podcast, Lucas and Luna explore the mechanics and tax advantages of intrafamily loans — a strategy wealthy families use to transfer wealth to the next generation while minimizing gift and estate taxes. Using the example of a $5 million loan at the Applicable Federal Rate (AFR) of 3.4% (as of July 2026), they walk through how a parent can lend to a child's trust, allowing investment returns above the AFR to accrue outside the estate. They discuss the 2026 sunset of the lifetime gift exemption (down to roughly $7 million from $13.61 million), the…
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