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The Sunset That Didn’t Happen: What the Permanent Estate Exemption Changes for Families Who Planned Around the Deadline
Estate & Legacy Planning The Sunset That Didn’t Happen: What the Permanent Estate Exemption Changes for Families Who Planned Around the Deadline For a decade, one date drove high-net-worth planning. It’s gone — and that changes what your legacy plan should be built around. Tom Ligare, CLU®, CAP® Founder & Senior Strategist · NPPSSJune 15,…
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The 35-Cent Dollar: Why High-Bracket Donors Get Less Back for the Same Gift in 2026
Charitable Giving · Tax Strategy The 35-Cent Dollar: Why High-Bracket Donors Get Less Back for the Same Gift in 2026 A quiet new ceiling shrank the tax value of routine giving. Here’s the math — and the two moves that restore it. Tom Ligare, CLU®, CAP® Founder & Senior Strategist · NPPSSJune 9, 2026 ·…
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The 2026 Charitable Reset: Five Quiet Changes That Add Up to One Strategic Landscape
The 2026 Charitable Reset: Five Quiet Changes That Add Up to One Strategic Landscape There is a particular kind of legislative change that does not make headlines — not because it does not matter, but because it does not arrive as a single dramatic moment. It arrives as a coordinated set of provisions, scattered across…
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The Quiet Threshold Most Donors Will Cross Without Noticing
The Quiet Threshold Most Donors Will Cross Without Noticing Most people who give to charity each year share an assumption that has worked, reliably, for decades: every dollar they donate produces some tax benefit, and the more they give, the more benefit accrues. That assumption is no longer accurate. The current, 2026, tax year introduces…
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The 10 Real Reasons People Give to Charity and Why Tax Strategy Isn’t #1
Donor Insight · Charitable Giving The 10 Real Reasons People Give to Charity And why tax strategy isn’t #1 — a reflection on what 2025’s largest study of American philanthropy reveals about generosity. Tom Ligare, CLU®, CAP® Founder & Senior Strategist · NPPSS May 25, 2026 7 min read Most articles about charitable giving start…
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The Zero-Deduction Trap: A Complete Guide to Charitable Giving Under the 2026 Tax Reset
Charitable Giving · Tax Strategy The Zero-Deduction Trap A complete guide to charitable giving under the 2026 tax reset. Tom Ligare, CLU®, CAP® Founder & Senior Strategist · NPPSS May 18, 2026 13 min read In This Guide The 0.5% AGI Floor — What It Is and Why It Matters The Top-Bracket Cap — A…
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The $111K QCD Shift: Why the Elevated Ceiling Changes Year-End Planning for Donors Over 70½
Charitable Giving · Retirement Planning The $111K QCD Shift Why the elevated ceiling changes year-end planning for donors over 70½. Tom Ligare, CLU®, CAP® Founder & Senior Strategist · NPPSS May 19, 2026 5 min read In This Article What a QCD Actually Is Why 2026 Changed the Math The Triple Win: RMD, IRMAA, and…
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Is Your Retirement Plan Built for Healthcare Costs?
You’ve mapped out your retirement goals, saved diligently, and maybe even downsized the family home. But there’s one piece of the puzzle that catches many high-income earners off guard: healthcare. It’s easy to assume that Medicare will take care of most of it. The reality? Healthcare is one of the biggest (and fastest-growing) expenses in…
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5 Smart Tax Strategies to Maximize Your Retirement Income
You’ve spent years building wealth, making smart decisions, and planning for the future. But once you transition into retirement, managing your money isn’t just about growth, it’s about preservation and efficiency. One of the biggest threats to your long-term income? Taxes. Without a thoughtful strategy, taxes can quietly erode your retirement income year after year.…
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Market Volatility in Retirement: How to Build a Plan That Stays Steady
If the last few years have taught us anything, it is that markets can swing dramatically and without warning. For high-income earners approaching or already in retirement, these abrupt changes can feel especially nerve-wracking. After decades of building wealth, the last thing anyone wants is to watch a lifetime of savings shrink just as they…