Sunstone Planning

The Real Cost of No Plan

See your Oregon estate tax exposure — and exactly how much planning can save

Filing status
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Include all assets: real estate, investments, retirement accounts, and life insurance you own outright
Ways to reduce your taxable estate
Toggle strategies on to model their impact
Lifetime giving strategy
Oregon has no gift tax. Gifts made during life reduce your taxable estate — useful when your estate exceeds Oregon's $1M exemption but falls well below the federal $15M threshold.
Charitable bequests
Amounts left to qualifying charities are fully deductible from your Oregon taxable estate, reducing your estate tax dollar for dollar.
Irrevocable life insurance trust (ILIT)
An ILIT owns your life insurance policy, keeping the death benefit out of your taxable estate entirely. The trust — not you — is the policy owner.
Results
Taxable estate
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Effective rate
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Tax without planning
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Oregon estate tax brackets (above $1M exemption)
Gross estate Rate
$1,000,001 – $1,500,00010.00%
$1,500,001 – $2,500,00010.25%
$2,500,001 – $3,500,00010.50%
$3,500,001 – $4,500,00011.00%
$4,500,001 – $5,500,00011.50%
$5,500,001 – $6,500,00012.00%
$6,500,001 – $7,500,00013.00%
$7,500,001 – $8,500,00014.00%
$8,500,001 – $9,500,00015.00%
$9,500,001+16.00%

Disclaimer: This calculator is for informational purposes only and does not constitute legal or financial advice. Oregon exemption $1M; federal exemption $15M (2026). Probate cost estimates are illustrative and vary by estate complexity. Please consult with a qualified estate planning attorney for personalized guidance.

What Our Clients Are Saying

  • Oregon State Bar
  • Washington State Bar
  • Wealth Counsel
    “Thank you so much, Sunstone Planning!”
    “I would recommend them without hesitation to anyone looking for advice with their estate planning.”
    - Todd H.
    “Kaitlyn is an absolute pro!”
    “You need someone knowledgeable, capable, and thorough who remains calm and keeps it simple.”
    - Brady W.
    “The attorney really impressed me.”
    “It was just such a night-and-day difference.”
    - Peter B.
    “Kaitlyn is skilled, professional, and easy to work with.”
    “I am happy working with her and confident referring her. Highly recommend.”
    - Eleni G.
    “We can recommend Sunstone with no reservations.”
    “Sunstone was very professional and an immense help in setting up our trust.”
    - Diane S.
    “I would confidently recommend reaching out to Sunstone Planning.”
    “I’m consistently impressed by the professionalism and expertise she brings to her work.”
    - Brian W.
    “A trustworthy choice who brings total peace of mind.”
    “Excellent, timely communication, thorough explanations of the process, would recommend to anyone.”
    - Grace M.
    “Hands down the best money I have spent.”
    “Kaitlyn really took the time to understand my objectives, a bit complicated, and she put my future plans in place.”
    - Amy S.