Without proper planning, estate taxes can devour too much of the wealth you would rather pass on. At Spinnaker Trust, we help devise gift and estate-planning strategies to minimize estate taxes. A gift of appreciated stock to a charity or charitable trust, for example, might help to diversify a large block of highly appreciated stock while, at the same time, reducing estate and income taxes.

In looking ahead toward a client's retirement years, our understanding of the complex tax rules pertaining to retirement plans allows us to help our clients make the most of these plans' tax and investment benefits.

The bottom line: We help our clients maximize what they can enjoy now and what they can, someday, pass on.