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@nc3man wrote:

......And we have been giving gifts, all less than the maximum allowed for all other years 2012-2023.


 

@nc3man 

 

Again, it is NOT cumulative if your gifts do not exceed the annual exclusion amount for each tax year. If your gifts are less than the annual exclusion each year you will never have to file a 709 (unless you make a gift of a future interest).