Estate Taxes Just Got Friendlier—But Planning Still Matters

In July 2025, Congress raised the federal estate tax exemption to $15 million per person (or $30 million for married couples). This means most families will not have to pay estate taxes when they pass away, as most Americans have significantly less.

So, if taxes aren’t a concern, does that mean estate planning doesn’t matter anymore?

Not even close. In fact, it matters more than ever—and here’s why:

1. State Taxes Still Apply
Many states have their own estate or inheritance taxes, and their exemption limits are much lower. For example, New York’s exemption is currently around $6.9 million, and if your estate goes just a dollar over, you could lose the entire exemption. Even if you avoid federal taxes, your estate could still owe your state a big check.

2. Avoiding Family Disputes & Probate
Estate planning is just as much about clarity, control, and peace of mind as it is taxes. Without a plan, your family could end up in court, fighting over your assets, or stuck in a years-long probate process. A thoughtful estate plan makes your wishes crystal clear and keeps your family out of conflict.

3. Protecting the People You Love
Planning allows you to name guardians for your kids, protect inheritances from divorce or creditors, and ensure your healthcare and financial decisions are honored if something happens to you. It’s about protecting your legacy—not just your money.

Now is the perfect time to create a plan that reflects your values, protects your family, and makes sure everything you’ve worked for is handled the right way.

Take the Next Step

Time to finally get your estate plan done? Start with a Peace of Mind Planning Session. We’ll walk you through your options and explain our flat fees.

Mention this blog and we’ll waive the $295 session fee.  Click on the link and start Here!