Small Gift Exemption Savings Plan in Ireland | Tax-Free Wealth Transfer | Money Maximising Advisors

 

💡 Want to pass on wealth to your loved ones without a hefty inheritance tax bill?
In Ireland, the Small Gift Exemption Savings Plan is a smart and legal way for high-net-worth families to transfer assets tax-efficiently, helping protect your legacy.

💼 Why use the Small Gift Exemption Savings Plan?
Under Irish tax law, you can give up to €3,000 per person each year without triggering Capital Acquisitions Tax (CAT). When structured well, this can add up to hundreds of thousands of euro passed on completely tax-free, without affecting the lifetime CAT allowance.

In this guide, you’ll learn:
✅ How one business owner avoided a €600,000 CAT bill for his children
✅ How the €3,000 per-person annual allowance works
✅ The long-term benefits of investing these gifts
✅ How this fits into broader estate planning strategies

Example scenario:
Michael, a business owner with three children and ten grandchildren, was facing a potential €600,000 CAT bill for his heirs. By using the Small Gift Exemption Savings Plan, he gifts €3,000 to each family member every year. That’s €39,000 a year transferred without any CAT liability.

Over 10 years, that totals €390,000 moved tax-free — and if the money is invested, the growth is also exempt from CAT. This means the family keeps more wealth and avoids the risk of selling property or shares to pay tax.

📢 Want to see how this works for your family?
Book a consultation with Money Maximising Advisors Limited and discover a proven strategy for passing wealth efficiently.

📌 Visit: www.mmadvisors.ie/gift-inheritance-tax-savings-plans/
📅 Book now: www.inheritance.mmadvisors.ie/booking-page

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