Will Social Security Be Around When I Need It?

By Brian Ellenbecker CFP®, EA®, CPWA®, CIMA®, CLTC® You’ve probably heard media reports about the worrisome financial condition of Social Security, but how heavily should you weigh this information when deciding when to begin receiving benefits? While some changes will need to be made to Social Security (e.g., payroll taxes may increase or benefits may be reduced…

Read More

Planning Strategies Under a Lower Estate Tax Exemption

By Brian Ellenbecker CFP®, EA®, CPWA®, CIMA®, CLTC® Estate tax planning has seen dramatic changes over the past 20 years. In 2000, the estate tax exemption was just $675,000 with a top estate tax rate of 55%. Today, the exemption is at an all-time high of $11,700,000 with a top tax rate of 40%.  Considering the exemption…

Read More