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I am in the middle of a discussion on the Bond Board about my mothers retirement planning. One issue that came up is that it might help her considerably if I add money to her savings at her date of retirement. it would allow her savings to last much longer.

My questions are these:

If my wife and I gift her the maximum per year for 5 years, does she pay any taxes on that?

Is a gift the best way to get money to her?

If that money, and the proceeds, are left when she passes away, does it pass to me tax free (assuming an estate small enough to not be subject to taxes)?


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