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OBBA Updated Tax Rates & Deductions One key feature in the One Big Beautiful Bill Act is the extension and revision of some of the tax laws that were part of the 2017 Tax Cuts and Jobs Act (TCJA). Here’s a quick summary of the three changes we found the most interesting: Extension of Tax Rates The bill extends the current tax rates of 12 percent, 22 percent, 24 percent, 32 percent and 37 percent, respectively. If the TCJA expired, the rates were scheduled to revert back to 15, 25, 28, 33 and 39.6 percent.

"25 Years Strong, Thank You for Being Part of Our Journey” SAVE THE DATE - September 11th 2025 We’re celebrating a major milestone – 25 years of guiding our clients to financial success and security! Join us for an exclusive event featuring Dr. Marc Milstein, a renowned expert in brain health, aging, and wellness. Date: Thursday, September 11th 2025 Location: Governors Inn, Wakefield St. Rochester NH 6:00pm

"25 Years Strong, Thank You for Being Part of Our Journey” SAVE THE DATE - September 11th 2025 We’re celebrating a major milestone – 25 years of guiding our clients to financial success and security! Join us for an exclusive event featuring Dr. Marc Milstein, a renowned expert in brain health, aging, and wellness. Date: Thursday, September 11th 2025 Location: Governors Inn, Wakefield St. Rochester NH 6:00pm

A Revocable Trust is a versatile and powerful Estate Planning tool that can offer many advantages over just a basic Will. Perhaps the biggest difference between a Will and a Revocable Trust is this: a Will must be probated, whereas a Revocable Trust allows your assets to bypass the probate process entirely. If you own real estate and have children, a Revocable Trust will allow your kids to skip the costly, time consuming and public probate process and have instant access to all trust assets in accordance with your wishes.

For this month's newsletter I felt it appropriate to remind our readers of an area that we feel we shine retirement planning. Many people have benefited from sitting with me to provide, “light at the end of the tunnel.” Our retirement program we utilize is called Journey Guide. This is a software program designed to provide confidence in your retirement journey.

As the year draws to a close, we want to take a moment to express our sincere gratitude for the trust and confidence you have placed in us. It has been our privilege to serve as your financial advisors, and we are deeply appreciative of the opportunity to support you in achieving your financial goals.