Kris Pelster, Financial Advisor

07/17/2025

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The One Big Beautiful Bill Act: Key Tax Changes Starting 2025

👍EVERYONE 👍
Standard deduction increases to $15,750 for single filers, and $31,500 for those filing jointly.
State and local tax (SALT) deduction increases to $40,000 (temporary)

👥 SENIORS (65+) 👥
$6,000 bonus deduction (2025-2028)

👨‍💼 WORKERS 👨‍💼
No tax on tips (up to $25,000)
No tax on overtime (up to $12,500 single filer/$25,000 married filing jointly)

🏢 BUSINESS OWNERS 🏢
20 percent qualified business income deduction is now permanent
100 percent capital expensing restored

👨‍👩‍👧‍👦 FAMILIES 👨‍👩‍👧‍👦
Child tax credit increases to $2,200
Dependent care limits increase to $7,500

🏡 ESTATE MANAGEMENT 🏡
Exemption increases to $15 million/$30 million (starts 2026)

IMPORTANT: Some of these changes are temporary (2025-2028). Consult a tax professional for your specific situation.

04/13/2023

Join us as our very own, Garro Ellis teams up with Safe 1 Credit Union to this upcoming "Estate Conservation Workshop" – In-Person and Live Streaming
Tuesday, April 18 / 6:00 p.m. - 7:30 p.m.
Bakersfield Christian High School
12775 Stockdale Highway, Bakersfield, CA
To RSVP, please call (877) 723-3128 or send an email to [email protected] and include the following:
Name of Attendees
Phone #

12/10/2020

2020 introduced some major changes, making old 401(k)s and other workplace retirement plans valuable assets. But don’t tap into those accounts without understanding the risks and rules (the CARES Act added some extra wrinkles for those impacted by the crisis). This FREE guide helps investors take control in an uncertain situation and shows what the options are with an old employer plan. Not sure what to do next? Call 661-847-1000 to get your questions answered in a complimentary 1-on-1 phone appointment.

This FREE Guide reveals the 5 options to bring your zombie plans back to life!

12/03/2020

Clients and friends! If you have an old 401(k)/403(b) or other workplace plan that you haven’t taken action on, now’s a critical time. Download this FREE guide to help make sure you’re making the most of this opportunity to take control of your investments during a downturn. Overwhelmed and need personal advice now? I save a few appointments each week — grab one by calling 661-847-1000.

This FREE Guide reveals the 5 options to bring your zombie plans back to life!

11/26/2020

Attention workers and professionals! Major changes to how your 401(k) can be treated happened in 2020. If you’re not sure how to tap into it or what to do with an old 401(k) or workplace plan, download this FREE guide to help make the most of your options (the CARES Act added some extra flexibility for those impacted by the crisis). Get it by clicking below. Not sure what to do next? I save a few appointments each week — grab one by calling 661-847-1000.

This FREE Guide reveals the 5 options to bring your zombie plans back to life!

11/23/2020

We all know scammers are out there, protect yourself!

The scams may be new. The tactics aren't. Discover why!

11/19/2020

Your 401(k) comes with extra opportunity in 2020. Workers have extra flexibility in tapping their retirement accounts. But there are a lot of factors to balance before deciding what to do with a 401(k) or other workplace retirement plan. This FREE guide helps investors take control of an uncertain situation and shows what the options are with an old employer plan. Overwhelmed and need personal advice now? Call 661-847-1000 to get your questions answered in a complimentary 1-on-1 phone appointment.

This FREE Guide reveals the 5 options to revive your old zombie plans!

11/16/2020

Protect yourself from modern money scams!

Learn how the top money scams work so you don't get taken

11/09/2020

Have you or anyone you know been scammed?

Anyone can be conned. Here's how to spot & avoid scams.

11/02/2020

Moneywise clients and friends, Scammers are getting savvier than ever in today's tech-enabled world. This month’s Visual Insights Newsletter explores today's common financial scams and how you can avoid getting snared. Check it out here!

Discover how these scams steal billions & how to avoid

10/28/2020

Facing retirement (or already within the “fragile decade”)? Today’s uncertainty means extra challenges. But it doesn’t have to steal your comfortable retirement away. Learn how to adapt by reading the Retiring in Uncertain Times Guide. (It’s FREE!)

"Don't" #1 is the biggest mistake many retirees make

10/21/2020

Retirees (and those retiring soon) are facing extraordinary challenges in these uncertain times. But the crisis and economic downturn don’t have to rob you of your retirement dreams. This FREE guide to retirement contains the essential steps to creating a retirement plan for uncertainty.

The "dos" and "don'ts" to retiring amid uncertainty