hard · Certified Financial Planner Estate Planning

Elena Langford is choosing between electing portability to claim Arthur’s 9,000,000 DSUE or disclaiming 9,000,000 into a Credit Shelter Trust (CST) for her benefit.

Which statement correctly identifies a binding constraint or trade-off in this decision?

  1. Portability shelters both Arthur’s 9,000,000 and all subsequent growth on that amount until Elena’s death.
  2. A Credit Shelter Trust is only available if Arthur’s gross estate exceeds the 15,000,000 2026 Parameter Lock.
  3. Portability is superior because it also transfers Arthur’s unused Generation-Skipping Transfer (GST) tax exemption to Elena. in this case
  4. The Credit Shelter Trust (CST) shelters future appreciation from Elena’s estate but forfeits a second basis step-up at her death.

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