save tax $$ - how to transfer wealth

https://www.firstrepublic.com/articles-insights/life-money/plan-your-legacy/annual-exclusion-gifts-a-simple-way-to-transfer-wealth?cmpid=social_facebook_content_02132020_pwm&fbclid=IwAR2l7f5_TVbfnIvSbOL7J27I7Fmi9cLCls0h3vqb9BaxbGNwnuQf4fp2xR4