What Is a Private Wealth Transfer?
A private wealth transfer is a contract-based structure where a family uses gifting law, private notes, and scheduled agreements to move wealth intentionally over time. This is a conservative, legally compliant way to create predictable, fixed-income-like transfers without involving insurance, annuities, or financial products.
Contract-Based
Transfers are built on private agreements — not market products. Everything is custom, documented, and fully private within the family.
IRS-Aligned
We use federal gifting tax law and the Applicable Federal Rate (AFR) framework to structure safe, compliant agreements.
Predictable Schedule
We design monthly or annual transfer timelines that behave like fixed-income cash flows, customized to each family’s goals.
How the ACG Structure Works
The ACG framework offers clarity, simplicity, and discipline — blending gifting allowances with private loan mechanics to build a stable multi-year transfer plan.
1. Private Note Setup
We outline a clear, written agreement using IRS AFR minimums. This establishes the foundation for structured payments and optional forgiveness over time.
2. Scheduled Transfers
Monthly, quarterly, or annual transfers — designed to mirror the stability of fixed-income payouts while keeping everything within gifting limits.
3. Optional Forgiveness
Each year, the lender can forgive interest or principal using the annual exclusion, gradually reducing the balance while minimizing taxation.
4. Maturity Event
At the end of the timeline, remaining balances can be forgiven, rolled, or settled — depending on the family's objectives.
FAQ
Clear answers to common questions families have when structuring private agreements.
Is this an annuity or investment?
No. This is a private, contract-based structure. We do not sell investments or insurance products.
Is this legal in Texas?
Yes. Private notes + gifting law = fully compliant when documented correctly.
Do I need a financial license?
No. Gifting law and private contracts do not require licensing since no products are being sold.
Does this involve interest?
It can. We use the IRS AFR table to structure interest-only or amortized payment plans.
Risks & Disclosures
Private wealth transfer strategies are conservative and low-risk but still require clarity and proper documentation.
Not Legal or Tax Advice. ACG provides general educational guidance only. Families should consult legal and tax professionals for personalized advice.
Private Contract Risk. These agreements are private arrangements; enforceability depends on proper documentation.
Gifting Compliance. Families are responsible for compliance with annual exclusion limits and IRS filing requirements when applicable.
No Financial Products. ACG does not issue or sell annuities, securities, or insurance contracts.
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