Categories

Estate Planning

8 Tips to Help Women Improve Financial Literacy by Kathleen Marteney, CRPC

Posted June 10, 2025

For too long, women were socialized to believe that they were terrible with money or that financial management was a role better left to their husbands. While women have come a long way, there remains a significant gender gap in financial literacy. Ninety percent of women will need to be self-reliant with financial decisions at […]

Critical Financial Planning for Widows and Widowers by Kathleen Marteney, CRPC®

Posted May 28, 2025

The death of a spouse can be one of the most devastating events in an individual’s life. Not only must surviving spouses cope with the emotional, mental and physical turmoil of their crushing grief, but they will also face a tsunami of legal and financial decisions, including the responsibility to pay their bills, keep the […]

Are You Prepared for Sunsetting Tax Provisions? By Sean Deviney, CFP®*

Posted May 15, 2025

Many of the provisions contained in the current tax law are set to expire on Dec. 31, 2025, signaling an immediate need for individuals to assess their existing estate plans to maintain long-term tax efficiency. Whether or not the current administration extends these laws, engaging in planning now can help reduce risks of potentially higher […]

Estate Tax Relief for Ultra-High-Net-Worth Families by Lee F. Hediger

Lee F. Hediger PWA Director and Miami Financial Advisor Registered Representative of PWA Securities, LLC
Posted April 13, 2025

Effective Jan. 1, 2025, the federal estate tax exemption increased to $13.99 million, or $27.98 million for married couples filing joint tax returns. This means that individual taxpayers can transfer up to $13.99 million in assets to their heirs (or up to $27.98 million for married couples filing jointly) during life or at death without […]

Widows, Widowers Have an Easier Time Electing Portability of Deceased Spouses’ Unused Estate Tax Exemptions By Scott Montgomery, CLU, ChFC

Posted March 26, 2025

Widows and widowers who missed the deadline to claim a deceased spouse’s unused estate and lifetime gift tax exemptions as their own have up to five years to make this portability election and shield more of their wealth from future tax liabilities. Understanding Portability U.S. tax laws provide individuals with a federal lifetime gift and […]

4 Strategies to Apply During Life to Reduce Estate Taxes After Death By Eric P. Zeitlin

Posted March 18, 2025

Ultra-high-net-worth individuals with estates valued above the $13.99 million estate-tax lifetime-exclusion amount in 2025 (or $27.98 million for married couples filing joint tax returns) have several opportunities to reduce their estate tax liabilities at death while preserving wealth for future generations while they are alive. Give Multiple Gifts During Life. Making annual exclusion gifts enables […]

Special Needs Trusts Can Help Improve a Disabled Family Member’s Quality of Life by Lee F. Hediger

Lee F. Hediger PWA Director and Miami Financial Advisor Registered Representative of PWA Securities, LLC
Posted March 7, 2025

Caring for a family member with a physical, intellectual or emotional disability can be costly. Everyday expenses can include food and shelter, specialized medications, assistive devices, special education, transportation, at-home nursing care, and much more. Over time, these expenses will almost certainly increase. Families must engage in advanced planning to ensure that a loved one […]

7 Smart Money Moves to Maximize Year-End Bonuses by Kathleen Marteney, CRPC

Posted March 5, 2025

If you received a year-end bonus, congratulations! As gratifying as it may be to splurge on something you can enjoy immediately, you may want to take a few moments to consider how you can maximize those dollars for the long term. Following are seven smart money moves to help you use a windfall of money […]

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