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Andrew L Guzzo - Independent Agent/Financial Specialist, Oakmont, PA (2026)

08/15/2026

📅 Medicare Annual Enrollment Period (AEP) is right around the corner!Starting October 15, the window opens to review, compare, and update your Medicare coverage for the upcoming year.

Even if you’re happy with your current coverage, plan details change every year—including copays, doctor networks, and covered prescription drugs. A quick review ensures no unexpected surprises come January 1!

During AEP (Oct 15 – Dec 7), you can:
✅ Switch from Original Medicare to Medicare Advantage (or vice versa)
✅ Change your Medicare Advantage plan
✅ Switch or add a Part D Prescription Drug Plan

No pressure, no obligation—just clear answers to help you navigate your options with confidence.

08/06/2026

Just a few important upcoming dates:

Medicare AEP 2027
Oct. 15th - Dec. 7, 2026
- No plan changes during 4th quarter.
- Benefits selected during AEP will begin Jan. 1st.
- Remember you can change your plan annually; it's always a good idea to complete a formal Medicare Review.
- Secure your appointment early before all available slots are taken.

Pennie (ACA) Market Place
Nov. 1, 2026 - Jan. 15, 2027

If you are turning 65 remember you have a 90 day window prior to turning 65, and 90 days after you turn 65 to secure your enrollment.

This is a good time to discuss available options. Is Medigap right for you? Is Medicare Advantage a better choice for you?

Let's work together to make this process quick and easy!

08/02/2026

When top performers talk about modern cash value life insurance—whether that’s Whole Life, Universal Life, or Indexed Universal Life (IUL)—we don’t sell it as an alternative to the stock market. We sell it as the ultimate strategic cash reserve and wealth-preservation foundation.

While traditional financial advice tells you to buy term and invest the difference, high earners, business owners, and savvy real estate investors use cash value life insurance because it offers a combination of tax perks, liquidity, and protection that no other single asset class can match.

Here are the primary strategic advantages of cash value life insurance:

1. Triple-Tax Advantages (IRS Section 7702)
Cash value life insurance is one of the few financial vehicles in the U.S. tax code that provides three distinct tax benefits under one roof:

Tax-Deferred Growth: Your cash value grows without being dragged down by annual capital gains taxes or income taxes.

Tax-Free Income in Retirement: You can access your cash value during retirement via policy loans without triggering federal or state income taxes. Because loans are legally considered debt—not income—they don't count toward your tax bracket.

Tax-Free Death Benefit: When you pass away, the full death benefit transfers to your beneficiaries completely income-tax-free, bypassing the delay and expense of probate court.

2. Uninterrupted Compound Growth (Leverage & Liquidity)
Unlike a 401(k), IRA, or real estate asset where your money is locked away or stops earning once spent, cash value policies allow you to use your capital in two places at once:

Collateralized Loans: When you borrow money against your policy’s cash value to fund a real estate deal, invest in a business, or pay for an emergency, your underlying cash value never actually leaves the policy.

Continued Dividend/Interest Growth: The insurance company lends you their funds using your account as collateral. Meanwhile, your full, un-borrowed balance continues compounding tax-free as if you hadn't touched a single dollar.

3. Downside Protection & Market Volatility Buffers
One of the greatest risks to a retirement portfolio is Sequence of Returns Risk—being forced to sell stocks or mutual funds at a loss during a market crash to fund your living expenses.

Guaranteed Floors: Fixed Whole Life and Indexed Universal Life (IUL) policies feature downside protection (often a 0% floor). If the stock market drops 20% or 30%, your cash value is protected from market losses.

The "Volatility Buffer": In years when the stock market is down, you pull tax-free income from your life insurance cash value instead of selling depressed equities. This gives your stock market portfolio time to recover.

4. Asset Protection & Privacy
In many states—including Pennsylvania—the cash value and death benefits inside a life insurance policy enjoy strong legal protections:

Creditor & Lawsuit Shield: Depending on state law, your cash value is often fully or partially protected from judgment creditors, lawsuits, and bankruptcy proceedings.

Privacy: Unlike probate proceedings where wills and estate distributions become public record, life insurance payouts are private transfers directly to your named beneficiaries.

5. Built-In "Living Benefits"
Modern cash value policies do double duty as living risk-management tools. Many policies include built-in riders for Critical Illness and Long-Term Care / Chronic Illness:

If you suffer a major health event (e.g., heart attack, stroke, cancer diagnosis) or lose the ability to perform basic daily activities, you can accelerate a large portion of your policy's death benefit while you are still alive to cover medical costs, replace income, or pay for home health aides—protecting your retirement savings from being wiped out by health crises.

The Takeaway: How to View Cash Value Life Insurance
Cash value life insurance is not a substitute for high-growth stock equity portfolios—it is a tier-one safety net and capital storage engine. It is where you park cash you want kept safe, liquid, tax-advantaged, and productive at all times.

08/02/2026

To understand the exact financial mechanics, let's compare funding a $100,000 real estate deal using Direct Liquid Cash versus using a High-Cash-Value Whole Life Policy Loan (Infinite Banking) over a 5-year holding period.

Key Assumptions for the Comparison
- Investment Opportunity: A real estate deal requiring $100,000 upfront capital that pays 10% annual cash flow ($10,000/year) and returns the $100,000 principal at the end of Year 5.

- Whole Life Policy Metrics:
a. Cash Value: $100,000+ available.
b. Dividend / Growth Rate: 5.0% compounded annually (Non-Direct Recognition, meaning the policy earns 5% on the full $100,000 regardless of the outstanding loan).
c. Policy Loan Interest Rate: 5.5% simple interest charged annually on the loan balance.

- Loan Repayment Strategy: The $10,000 annual cash flow from the real estate investment is used to service/pay down the policy loan each year.

Scenario A: Funding with Liquid Cash
In this traditional model, you pull $100,000 directly out of your bank account.

a. Year 0: You withdraw $100,000 cash. Bank balance drops to $0.
b. Years 1–5 (Cash Flow): You receive $10,000/year in cash flow = $50,000 total.
c. End of Year 5 (Exit): The deal completes, returning your $100,000 principal.

End of Year 5 Cash Total:
- $100,000 (Returned Principal) + $50,000 (Cash Flow) = $150,000
- Net Profit: $50,000

Scenario B: Funding with Infinite Banking (Policy Loan)
Instead of pulling cash out of the policy, you pledge your $100,000 cash value as collateral. The insurance company lends you $100,000 of their money.

1. The Growth Side (Inside the Policy) Because your $100,000 never actually leaves the policy, it continues to compound at 5% annually uninterrupted:
- Year 1 Growth: $100,000 × 1.05 = $105,000
- Year 2 Growth: $105,000 × 1.05 = $110,250
- Year 3 Growth: $110,250 × 1.05 = $115,762.50
- Year 4 Growth: $115,762.50 × 1.05 = $121,550.63
- Year 5 Growth: $121,550.63 × 1.05 = $127,628.16
- Total Policy Value Gain: +$27,628.16

2. The Loan & Real Estate Cash Flow Side
You take a $100,000 policy loan at 5.5% interest. Each year, you receive $10,000 in real estate cash flow and apply 100% of it toward paying down the loan balance.

- End of Year 1:
a. Loan Interest (5.5% of $100,000): $5,500
b. Total Loan Balance before payment: $105,500
c. Apply $10,000 Cash Flow Payment: New Principal Balance = $95,500

- End of Year 2:
a. Loan Interest (5.5% of $95,500): $5,252.50
b. Total Loan Balance before payment: $100,752.50
c. Apply $10,000 Cash Flow Payment: New Principal Balance = $90,752.50

- End of Year 3:
a. Loan Interest (5.5% of $90,752.50): $4,991.39
b. Total Loan Balance before payment: $95,743.89
c. Apply $10,000 Cash Flow Payment: New Principal Balance = $85,743.89

- End of Year 4:
a. Loan Interest (5.5% of $85,743.89): $4,715.91
b. Total Loan Balance before payment: $90,459.80
c. Apply $10,000 Cash Flow Payment: New Principal Balance = $80,459.80

- End of Year 5 (Deal Exit):
a. Loan Interest (5.5% of $80,459.80): $4,425.29
b. Total Outstanding Loan Balance: $84,885.09
c. Real estate deal completes and returns $100,000 principal.
d. Pay off remaining loan: $100,000 - $84,885.09 = $15,114.91 net remaining cash.

The Strategic Takeaway
Why the Math Works in Practice

1. Compounding vs. Amortization Mechanics:
Notice that while the loan rate (5.5%) was higher than the dividend rate (5.0%), the policy dividend compounded exponentially on the full $100,000, whereas the loan interest declined linearly as the loan balance was paid down by the real estate cash flow.

2. The "And Asset" Effect:
In Scenario A, once the $100,000 left your bank account, it was single-purpose. In Scenario B, your $100,000 was working in the real estate deal and continuing to build tax-free cash value, death benefit protection, and living benefit reserves inside the policy simultaneously.

3. Tax Considerations:
The $27,628.16 growth inside the life insurance policy accumulates tax-deferred / tax-free, while interest paid on real estate investment loans can often be deducted as an investment expense (depending on your tax structure).

08/02/2026

Infinite Banking—often called the "And Asset" strategy—is a cash-flow management methodology. Strip away the internet hype, and it comes down to a simple mechanical principle: using a custom-designed, dividend-paying whole life insurance policy as a private line of credit to finance income-producing assets like real estate, while your underlying capital continues to compound uninterrupted.

For high earners, this isn't an "either/or" investment choice; it's a way to make the same dollar do two jobs at once.

The Core Concept: The "Double-Dip" Strategy
Normally, when you buy a real estate deal, you pull cash out of your bank account. That cash drops to $0, stops earning interest, and goes into the property.

With Infinite Banking, you deposit that cash into your whole life policy first. Then, you take a policy loan collateralized by your cash value to buy the property.

Why High Earners Use This:
Uninterrupted Compounding: The insurance carrier lends you their money using your cash value as collateral. Because your cash value never actually leaves the policy, the full balance continues earning guaranteed interest and dividends as if you never touched it.

Tax-Free Cash Flow: Policy loans are not considered taxable income by the IRS under Section 7702.

No Credit Checks or Loan Approvals: You control the bank. Policy loans cannot be denied, do not affect your personal credit score, and have no fixed repayment schedule enforced by a third party.

How the Policy MUST Be Structured (The High-Earner Design)
If you buy a traditional off-the-shelf whole life policy, it takes 10 to 12 years just to break even because high agent commissions eat up early cash value.

To use this for real estate, the policy must be high-cash-value engineered:

Minimizing Base Premium: Reduce the base death benefit to the absolute minimum allowed by law to strip out excess costs.

Maximizing Paid-Up Additions (PUA) Rider: Overfund the policy by stuffing up to 60%–90% of your premium into a PUA rider.

Day-1 Liquidity: A properly structured policy provides access to 80% to 90%+ of your paid premium as liquid cash value in Year 1, which can immediately be deployed into a real estate deal.

Non-Direct Recognition: Ensure the carrier uses non-direct recognition, meaning they pay the exact same dividend rate on your cash value whether you have an outstanding loan or not.

The Power of Repayment: When tenant cash flow or refinance proceeds pay back the policy loan, you restore your credit line, capture the interest spread, and have a larger tax-free capital pool ready for the next deal.

Cautions & Disclaimers (What Most Marketers Won't Tell You)
It Requires Discipline: Because policy loans have no fixed repayment schedule, undisciplined investors fail to pay back their loans. If outstanding interest grows larger than the total cash value, the policy will lapse, triggering massive income tax liabilities on all past gains.

Break-Even Horizon: Even a high-cash-value policy takes 3 to 5 years to reach full break-even (where cash value equals total premiums paid).

Borrowing Cost vs. Yield: The strategy only works when your target real estate yield significantly outpaces the carrier’s policy loan rate.

08/01/2026

When a resident is admitted to a skilled nursing or long-term care facility (LTCF) in Pennsylvania and cannot afford the astronomical out-of-pocket costs—which currently average $10,000 to $15,000+ per month in PA—the burden shifts to Long-Term Care Medical Assistance (Medicaid).

However, Pennsylvania Medicaid is a means-tested safety net program. To qualify, you cannot simply say "I don't have the money"—you must meet strict income and asset limits set by the Pennsylvania Department of Human Services (DHS).

Here is what happens to your assets, your home, and your spouse when you enter long-term care without private funds.

1. The Asset Limits (What You Are Allowed to Keep) To qualify for PA Medicaid to pay for nursing home care, an individual must reduce their countable resources down to strict state limits:

- Individual Applicant Limit: In Pennsylvania, an individual applicant can keep no more than $2,000 in countable assets (or up to $8,000 if their gross monthly income is under a certain threshold).

- Countable Assets Include: Checking and savings accounts, CDs, stocks, mutual funds, secondary real estate, vacation homes, IRAs/401(k)s (unless structured in specific payout statuses), and cars beyond the primary vehicle.

- Exempt (Non-Countable) Assets:
a. Primary Residence: Exempt up to a certain equity cap if the applicant intends to return home or if a spouse/disabled child still lives there.

b. One Vehicle: Used for transportation.

c. Irrevocable Burial Space / Prepaid Funeral Reserve: Within reasonable state limits.
da. Personal Effects and Household Goods.

If you have more than $2,000 in countable assets when you enter the facility, you must "spend down" your assets on your own care, medical expenses, home repairs, or legitimate debts until you hit that $2,000 mark before Medicaid pays a dime.

2. Spousal Impoverishment Protections (If You Are Married)
If you enter a nursing home but your husband or wife stays living in the community (known as the "Community Spouse"), Pennsylvania law prevents the well spouse from being left completely destitute.

Under the Community Spouse Resource Allowance (CSRA):

a. Asset Split: The state assesses all joint countable assets as of the first continuous day of institutionalization.

b. The CSRA Allowance: The Community Spouse is allowed to keep 50% of the joint countable assets, subject to a statutory minimum (roughly ~$30,000) and maximum (roughly ~$150,000+, adjusted annually).

c. Income Protections: The Community Spouse is also entitled to keep a minimum amount of monthly income (the Minimum Monthly Maintenance Needs Allowance, or MMMNA). If their own income falls below this threshold, a portion of the institutionalized spouse’s income is redirected to them rather than going to the nursing home.

3. The 5-Year Look-Back Period & Transfer Penalties

A common mistake families make when facing nursing home costs is trying to quickly give their money or home away to their children.

Pennsylvania enforces a strict 5-Year Look-Back Period. When you apply for Medicaid, DHS scrutinizes every financial transaction, bank statement, and property transfer over the previous 60 months (5 years).

a. Uncompensated Transfers: If you gave away cash, transferred real estate for less than fair market value, or gifted assets to relatives within that 5-year window, DHS calculates a Penalty Period of Ineligibility.

b. How Penalty Periods Work: The total dollar amount gifted is divided by Pennsylvania’s average daily rate for nursing care. The resulting number is the exact number of days or months Medicaid will refuse to pay for your care—even if you have zero dollars left in your bank account.

4. What Happens to Your House?
Your home is often your largest asset, and it receives special treatment under PA law:

a. While You Are Alive: If your spouse, a minor child, or a disabled child lives in the home, it is completely exempt. If you are single, it remains exempt as long as you state on the application that you have an "intent to return home" (even if medically unlikely).

b. Medicaid Estate Recovery Program (MERP): Here is the catch. After you pass away, the Commonwealth of Pennsylvania’s Estate Recovery Program acts as a creditor against your estate. Pennsylvania seeks reimbursement for every dollar Medicaid paid for your care by placing a claim against your probate estate—which usually means forcing the sale of your home after your death to pay back the state.

5. Pennsylvania's Filial Responsibility Law (A Hidden Danger) Pennsylvania is one of the few states that actively enforces a Filial Responsibility Law (23 Pa.C.S. § 4603).

Under this law, adult children can be held independently and personally liable for their indigent parents' unpaid nursing home and medical bills. If an elderly parent enters a care facility, runs out of money, and gets denied Medicaid (often due to missing paperwork, uncooperative families, or a 5-year gifting penalty), the nursing home can directly sue the adult children for hundreds of thousands of dollars in unpaid care bills.

Summary: How to Protect Yourself
If you or a loved one is entering a facility without private funds to cover long-term care:

a. Do NOT just start giving away assets to family members without legal guidance—this triggers the 5-year penalty rule.

b. Do NOT assume it's "too late" to plan: Even if someone is already sitting in a nursing home, there are ways for you to use legal spend-down techniques, crisis trusts, and spousal transfers to save 40% to 100% of the family's assets.

c. Apply for Medicaid strategically: Ensure all bank records, deeds, and tax documents from the last 5 years are organized to avoid delays or denials that could trigger Filial Responsibility claims.

08/01/2026

Think about traditional life insurance for a second: for decades, the mindset has been, "I pay into this every month so that when I die, my family gets a check."

As a life insurance agent, I tell my clients all the time: Life insurance isn’t just a "death benefit" anymore—it's a "living benefit."

Modern life insurance policies are designed to protect you not just if you die too soon, but if you live too long, get sick, or suffer a major health crisis. Living benefits allow you to access a significant portion of your policy’s payout while you are still alive to save your financial life when you need it most.

Here is how living benefits work, specifically when it comes to Critical Illness and Long-Term Care (LTC) coverage.

1. Living Benefits for Critical Illness
A major medical event—like a heart attack, stroke, or invasive cancer diagnosis—doesn't just threaten your physical health; it wipes out savings. Even if you have good health insurance, health insurance only covers medical bills and doctor visits. It does not cover:

Your mortgage or rent while you're taking time off work to recover.

Replacing lost income for you or a spouse who stays home to care for you.

Experimental treatments, out-of-network specialists, or travel for care.

Everyday living expenses (groceries, utilities, car payments).

How the Accelerated Death Benefit Rider Works:
If you are diagnosed with a qualifying critical illness (such as cancer, heart attack, stroke, major organ failure, or end-stage renal disease), a Critical Illness Living Benefit allows you to "accelerate" (advance) a large portion of your policy's death benefit—often up to 70% to 90%—directly to your bank account in a tax-free lump sum.

Real-World Scenario:

You have a $500,000 term or permanent life policy with critical illness living benefits. At age 45, you suffer a heart attack and need six months off work for surgery and rehab. You accelerate $150,000 from your life insurance policy. You receive that money upfront to pay off medical deductibles, keep your household afloat, and focus entirely on recovery without touching your 401(k) or going into debt. The remaining $350,000 stays in place as a death benefit for your family.

2. Living Benefits for Long-Term Care (LTC)
Long-Term Care is one of the single biggest financial threats facing pre-retirees and retirees today. Statistics show that roughly 70% of people over 65 will need some form of long-term care during their lifetime.

Traditional standalone Long-Term Care policies can be notoriously expensive, and if you never end up needing care, all those premiums are simply gone ("use-it-or-lose-it").

How Life Insurance with LTC / Chronic Illness Riders Solves This:
Modern life insurance policies allow you to add a Long-Term Care (LTC) or Chronic Illness Rider.

If a doctor certifies that you cannot perform 2 out of the 6 Activities of Daily Living (ADLs)—which are bathing, dressing, eating, transferring, toileting, and continence—or if you suffer severe cognitive impairment (like Alzheimer's or dementia), your policy begins paying out monthly tax-free benefits to cover your care.

The Big Advantages over Traditional LTC:
In-Home or Facility Care: You can use the payouts for home health aides, assisted living facilities, adult day care, or nursing homes.

No "Use-It-or-Lose-It" Risk: If you never need long-term care, your full death benefit passes tax-free to your beneficiaries when you die. Your money is never wasted.

Locked-In Premiums: Unlike traditional LTC insurance where premiums can skyrocket unexpectedly, life insurance with an LTC rider lock in your monthly rate.

The Bottom Line
When you add living benefits to your life insurance policy, you stop thinking about life insurance as an expense for someone else and start viewing it as an asset for yourself.

It creates a financial cushion that guarantees a major health diagnosis won't force you to drain your retirement accounts, sell your home, or burden your children.

08/01/2026

First and foremost, for those of you that follow my page THANK YOU! For the support. I hope you are all enjoying some estate planning education since I feel it's paramount for folks to be informed.

I am curious to know what you all are interested in learning more about, or a question you've been wanting to ask someone but just never did.

Next up in my educational series is to review living benefits and how they can work for you. Please feel free to let me know if there are any questions or things you're curious about that I can review.

07/31/2026

In Pennsylvania, unmarried partners face the highest possible state inheritance tax rate—a steep 15% (Class C / Collateral Heirs) on almost every asset transferred upon death. Furthermore, unlike married couples, unmarried partners do not benefit from automatic statutory protections or the 0% spousal inheritance tax rate.

To protect an unmarried partner and drastically reduce or eliminate that 15% tax burden, estate planning attorneys utilize several key legal strategies:

1. Leverage Tax-Exempt Life Insurance
How it works: Payouts from life insurance policies are 100% exempt from Pennsylvania Inheritance Tax, regardless of who receives the funds.

The Strategy: Instead of leaving cash or liquid assets directly to your partner (which would incur a 15% tax), you can designate your partner as the primary beneficiary of a life insurance policy. Your partner receives the full death benefit tax-free.

Bonus Use: Life insurance can also be used as a "tax offset" mechanism—providing your partner with tax-free cash specifically earmarked to pay the 15% inheritance tax on non-exempt assets they inherit (like a home).

2. Strategic Lifetime Gifting (Beyond the 1-Year Window)
How it works: Pennsylvania taxes gifts made within 1 year of death if they exceed $3,000 per recipient per calendar year. However, gifts made more than 365 days before death are completely exempt from PA inheritance tax.

The Strategy: Gradually transfer assets, cash, or property equity to your partner during your lifetime. As long as you survive for at least one year after the transfer, those assets completely escape Pennsylvania's 15% tax.

3. Establish Joint Tenancy with Rights of Survivorship (JTWROS)
How it works: When two people hold real estate or bank accounts as Joint Tenants with Rights of Survivorship, the surviving partner automatically inherits the deceased partner’s share upon death.

The Tax Benefit: PA inheritance tax will only apply to the fractional share owned by the deceased partner—not the whole asset. For example, if you and your partner buy a house together as 50/50 joint tenants, your partner only pays 15% on your 50% interest upon your passing, effectively halving the total tax burden on the property.

The Catch: The joint account or title must be established at least 1 year prior to death to avoid PA's 1-year lookback rule.

4. Utilize Irrevocable Trusts
How it works: Placing assets into a properly structured Irrevocable Trust removes those assets from your individual estate.

The Strategy: If assets are transferred into an irrevocable trust more than one year prior to your death, they are no longer part of your taxable PA estate upon your passing. The trust can hold assets for your partner's benefit, provide them with income, and allow them to live in real estate owned by the trust without triggering a 15% inheritance tax upon your death.

5. Structure "Tax-Free" Bequests in Your Will
How it works: In Pennsylvania, an estate creator can specify in their Last Will and Testament how inheritance taxes should be paid.

The Strategy: You can insert a specific Tax Clause in your Will directing that all inheritance taxes on gifts made to your partner be paid out of the residual estate (or paid by other heirs, like relatives who face lower tax rates) rather than deducted directly from your partner’s inheritance. While this doesn't eliminate the tax, it ensures your partner receives 100% of the intended asset without having to pay out-of-pocket.

Additional Essential Protections for Unmarried Partners in PA
Minimizing taxes is only half the battle. Because Pennsylvania intestacy laws give unmarried partners $0 if there is no estate plan in place, unmarried couples must also ensure they have:

Financial Power of Attorney: Grants your partner legal authority to manage your bank accounts, pay bills, and handle real estate if you become incapacitated.

Healthcare Power of Attorney & Living Will: Empowers your partner to make medical decisions and visit you in the hospital (overriding biological family members who might otherwise take precedence under state law).

Updated Beneficiary Designations: Ensuring retirement accounts (401ks, IRAs) and bank accounts (Transfer on Death / Pay on Death) list your partner directly, as these pass outside of probate.

07/31/2026

4 Strategies to Minimize or Avoid PA Inheritance Tax

1. Take Advantage of the 5% Early Payment Discount
Paying estimated inheritance tax within 90 days of death earns a 5% discount on the total tax liability. For a $1,000,000 estate passing to children (taxed at 4.5% = $45,000), paying early saves $2,250 outright.

2. Strategic Lifetime Gifting
Gifts made during your lifetime can reduce the overall size of your taxable estate.

The 1-Year Rule: In Pennsylvania, any gifts made within 1 year prior to death in excess of $3,000 per donor per calendar year are brought back into the estate and taxed.

The Strategy: Plan ahead. Gifting assets to children or heirs more than 12 months before death completely removes those assets from PA inheritance tax.

3. Utilize Life Insurance for Wealth Transfer
Because life insurance payouts are 100% exempt from PA inheritance tax, shifting wealth into a life insurance policy is one of the cleanest ways to pass tax-free money to high-rate beneficiaries (like siblings at 12% or unmarried partners/friends at 15%).

4. Irrevocable Trusts
Assets properly transferred into an Irrevocable Trust more than one year prior to death are generally removed from your probate estate and no longer subject to PA inheritance tax upon your passing, while ensuring assets are distributed according to your specific rules.

Andrew L Guzzo - Independent Agent/Financial Specialist

08/15/2026

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