TL Financial Group

2025 wasn't just another year; it rewrote the rules for tax, estate, and investment strategies.

If you haven't reviewed your approaches since July, you're potentially leaving money on the table (or perhaps exposed to unnecessary risk).

Here’s What Changed: Tax Reform Got Real

The One Big Beautiful Bill Act made sweeping changes, including:

→ $15 million estate exemption per person ($30 million per couple)
→ Expanded State and Local Tax deduction to $40,000 (through 2029)
→ New $6,000 senior bonus deduction for those 65+
→ First-ever auto loan interest deduction up to $10,000

But here's the catch: Many of these provisions are temporary and set to expire in the coming years.

Markets Recovered—Then Rallied. Remember "Liberation Day" on April 2? The S&P 500 dropped following the tariff news. It then recovered within a month and continued to climb through the year. Past performance does not guarantee future results.

Why 2026 Is Critical:
The elevated estate exemption is labeled "permanent," but we all know tax laws change. For families with significant wealth, this is a window, not a guarantee.

Families who act early to align their tax, estate, and investment strategies with the new landscape will be positioned for decades of advantage.

Have you reviewed your strategy since these changes took effect?

📋 Work with your tax, legal, and accounting professionals before making any changes due to the new tax law. The S&P 500 Composite Index is an unmanaged index that is considered representative of the overall U.S. stock market. Individuals cannot invest directly in an index.

A Smarter January Starts Here 📅

Most resolutions fade because they’re vague. January is Financial Wellness Month, and you don’t obtain financial wellness with vague goals.

You pursue it with measurable goals that are tied to the real-life outcomes you work towards for you and your family.

Sometimes it can be overwhelming though.

That’s when financial professionals can help. We work with clients to do the following and more:

▪️ Identify a few short-term goals that can make a difference (e.g., savings rate, debt paydown, or cash runway in months). Track them weekly.
▪️ Stress test your portfolio: What changes if x, y, or z happens? Run different scenarios so you can stress test your strategies for both the short and long term.
▪️ Review your plan now: review deferrals, evaluate retirement plans, and come up with a strategy to manage gains/losses.
▪️ Update the “people” side: beneficiaries, POA/health proxies, and key insurance coverages.

If you’d like a Financial Wellness Check-In, message us. We’ll uncover data-driven ideas tailored to your situation to help your financial wellness.