Only caveat is that the 13 million, I believe, is a federal number. There might be lower state tax exclusions although I may be thinking of state estate taxes, not gift taxes.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
Last edited by Peter_Spaeth; 03-12-2025 at 10:49 AM.
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