Episode 11: Estate Planning in Motion: Trust Strategies, IPO Tax Prep, and Smarter Umbrella Insurance

This week on the Scholar Advising Podcast, we’re tackling three client questions about managing wealth for the next generation and preparing for future tax changes. First, we look at how an irrevocable trust can help families lock in today’s higher estate tax exemption before the 2026 sunset—and how to align trust planning with long-term gifting goals. Next, we dive into pre-IPO planning: what to know about tax triggers, timing, and risk management when holding stock in a private company headed toward IPO. Then we discuss industry norms around umbrella insurance—what to expect when adding this type of coverage, and why many insurers require bundling with other policies. In this week’s Term of the Day, we break down Family Limited Partnerships—what they are, how they work, and why some families use this structure as part of an overall estate or gifting plan. Have a question you’d like us to tackle in a future episode? Submit it at [scholarfinancialadvising.com/podcast](www.scholarfinancialadvising.com/podcast) Disclaimer: The information provided in this podcast is for general informational and educational purposes only, and is not intended to constitute financial, investment, or other professional advice, the opinions. expressed are those of the hosts and guests and do not necessarily reflect the views of any affiliated organizations. Investing in financial markets involves risk, including the potential loss of principle, past performance is not indicative of future results. Before making any investment decisions, you should consult with a qualified financial advisor, who can assess your individual financial situation, objectives and risk tolerance.