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Other financial discussions
The annual threshold for filing a Form 709 (gift tax return) is $15,000.
See https://www.irs.gov/instructions/i709#idm140554828343488
Regardless, since you are not yet actually married, you might want to discuss your plan with a legal and/or financial advisor (and/or Schwab); there is more to your proposed transaction than income tax or gifting issues.
‎August 28, 2020
7:25 AM
1,881 Views