Read more about the article The OBBBA Didn’t Solve Your Estate Problem. Here’s What It Missed.

The OBBBA Didn’t Solve Your Estate Problem. Here’s What It Missed.

The One Big Beautiful Bill Act raised the federal estate tax exemption to $15 million per person — $30 million for a married couple. Most successful couples saw that number and assumed the estate planning conversation was over. It isn’t. The OBBBA left one critical gap completely untouched: the GST exemption is not portable between spouses. Whatever exemption the first spouse doesn’t allocate before death is gone permanently. For a married couple at $12 million today, that gap costs their family $14.6 million by the time the second spouse dies. Here’s the math — and why the Dynasty Bridge Trust is the right structure for couples who think they’re below the threshold.​​​​​​​​​​​​​​​​

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Read more about the article THREE PROBLEMS. ONE STRUCTURE. MOST ADVISORS ARE ONLY SOLVING ONE.

THREE PROBLEMS. ONE STRUCTURE. MOST ADVISORS ARE ONLY SOLVING ONE.

Your client has a plan for what happens when they die. They may not have a plan for what happens when they get sued while they’re still alive — or what happens to the $89 million that gets extracted from their estate across the next two generations. This article is written for the insurance producer who already sits across from that client.

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Read more about the article How Asset Protection Works: What It Is, How It Functions, and What It’s Actually Trying to Accomplish

How Asset Protection Works: What It Is, How It Functions, and What It’s Actually Trying to Accomplish

Most people confuse asset protection with insurance, estate planning, or hiding assets. It's none of those things. It's a legal discipline built on four variables — Timing, Control, Jurisdiction, and Collectibility — and it only works if it's built before the threat arrives.

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