Welcome back, Noyackers!

If you’re a high-earning Millennial or HENRY, you’ve probably thought estate planning is something for “later.” After your second home. Maybe in your 60s. Maybe never. But a historic shift just changed the timeline: starting January 1, 2026, the federal estate and gift tax exemption jumps to $15 million per person, thanks to the newly passed One Big Beautiful Bill Act (OBBBA).

This isn’t a temporary bump. It’s permanent, inflation-indexed, and applies to everyone—not just the ultra-wealthy. That means if you’re holding fast-growing assets like pre-IPO equity, crypto, real estate, or expect to inherit even modest wealth, you’re already in the zone where this matters.

You may not feel like your estate is worth $15M now, but fast forward 10–20 years and it easily could be. Waiting until then to act could mean exposing your family to millions in estate taxes, or forcing your heirs to sell illiquid assets at the worst time.

Instead, act early and strategically. By gifting assets while they’re still “small,” you not only reduce your taxable estate but also remove all future appreciation from the IRS’s reach.

3 Big Reasons to Plan Now—Not Later

1. Compound growth will push your estate over the limit.
   Equity, real estate, and crypto can double or 10x. Get ahead of the tax exposure.

2. The exemption power weakens with time.
   Every year you wait, your $15M buys you less tax protection.

3. Congress can change its mind.
   “Permanent” only lasts until lawmakers rewrite the rules again.

Tools like SLATs, IDGTs, and family LLCs aren’t just for billionaires. They’re flexible strategies you can use now to lock in today’s values, retain control, and keep your estate under the threshold—without sacrificing your lifestyle.

⚠️ Think you’re too early to plan? That’s exactly when you should start.
Your 30s and 40s are the prime years to set up the blueprint. And we’ve got the playbook.

📖 Read the full edition to get:

• Real scenarios from professionals like you

• A 4-week action plan to reduce your taxable estate

• The truth about what’s exempt, what’s not, and what to do next

• Clear breakdowns of IDGTs, SLATs, Dynasty Trusts & more

🎯 This isn’t tax trivia. It’s your once-in-a-generation opportunity to take control of your legacy before someone else does.

Until next Sunday,

—CJ & The NOYACK Team
 AccessGranted™