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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Each of our 3 adult kids gets 32k a year (none are married yet). It is estate planning for us, but I am sure it is financial help for them. Once they get married and have kids we should be able to give gifts to everyone and max out the 529s.[/quote]

About how much do you have in your estate?  Just wondering at what point this level of gifting is typical? DH and I both come from modest means and didn't get any help from our families, but we are thinking about what we want to be able to provide for our kids in the future since we've done well.  Do folks with $3m in investible assets do this, or is it more common at $5m, or $10m+? [/quote]

Really depends upon what your monthly expenses are now and will be in retirement. How much do you need remaining to live off of? 
  If you have a large estate (over $12.2M per person which will sunset back to ~$6M/person in 2025/26), then it can be advantageous to gift the $32K/year to each kid and their spouses (if you include spouses you can gift $64K--$16K from each parent to each "kid".  These yearly gifts do not count against the federal estate tax maximum.  This also allows you to see your kids/spouses/family enjoy the $ while you are still alive.

Just a guess that this is more common at the $10M+ range[/quote]

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