Disclosure: The client example provided (e.g., “Sarah” or “John”) is hypothetical and for illustrative purposes only. It does not represent an actual client or specific financial outcome. The information presented is not intended to constitute legal or tax planning advice from Donum. Individual results may vary, and you should consult with a qualified tax or legal professional to assess your specific circumstances before making any financial decisions. Donum’s services are designed to comply with IRS regulations, but no guarantees are made regarding tax outcomes. For more details, contact us at

