Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer

<!doctype html><html lang="en"><head> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta charset="utf-8"> <title>Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer</title> <link rel="shortcut icon" href="https://www.risk-strategies.com/hubfs/assets/images/logos/utility/favicon.svg"> <meta name="description" content="The 2025 estate tax changes could impact high-net-worth individuals. Avoid increased taxes with expert guidance & strategic wealth transfer planning tips."> <link rel="stylesheet" href="https://use.typekit.net/vrp0xka.css"> <link rel="preload" href="https://www.risk-strategies.com/hs-fs/hubfs/hub_generated/template_assets/1/81097728601/1737479513712/template_mjtw_styles.min.css" as="style"> <link rel="preload" href="//20256628.fs1.hubspotusercontent-na1.net/hubfs/20256628/hub_generated/template_assets/1/81097728599/1737390751262/template_mjtw_main.min.js" as="script"> <link rel="stylesheet" href="https://use.typekit.net/vrp0xka.css"> <style> @font-face { font-family: 'Material Symbols Rounded'; font-style: normal; font-weight: 100; src: url("https://www.risk-strategies.com/hubfs/raw_assets/public/mjtw/fonts/material-symbols-rounded-48-500-1-0.woff2") format('woff2'); font-display: block; } .material-symbols-rounded { font-family: 'Material Symbols Rounded'; font-weight: normal; font-style: normal; font-size: 24px; line-height: 1; letter-spacing: normal; text-transform: none; display: inline-block; white-space: nowrap; word-wrap: normal; direction: ltr; -moz-font-feature-settings: 'liga'; -moz-osx-font-smoothing: grayscale; width: 24px; height: 24px; } /* .material-symbols-rounded { font-variation-settings: 'FILL' 1, 'wght' 400, 'GRAD' 200, 'opsz' 48 } */ </style> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta property="og:description" content="The 2025 estate tax changes could impact high-net-worth individuals. Avoid increased taxes with expert guidance & strategic wealth transfer planning tips."> <meta property="og:title" content="Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer"> <meta name="twitter:description" content="The 2025 estate tax changes could impact high-net-worth individuals. Avoid increased taxes with expert guidance & strategic wealth transfer planning tips."> <meta name="twitter:title" content="Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer"> <style> a.cta_button{-moz-box-sizing:content-box !important;-webkit-box-sizing:content-box !important;box-sizing:content-box !important;vertical-align:middle}.hs-breadcrumb-menu{list-style-type:none;margin:0px 0px 0px 0px;padding:0px 0px 0px 0px}.hs-breadcrumb-menu-item{float:left;padding:10px 0px 10px 10px}.hs-breadcrumb-menu-divider:before{content:'›';padding-left:10px}.hs-featured-image-link{border:0}.hs-featured-image{float:right;margin:0 0 20px 20px;max-width:50%}@media (max-width: 568px){.hs-featured-image{float:none;margin:0;width:100%;max-width:100%}}.hs-screen-reader-text{clip:rect(1px, 1px, 1px, 1px);height:1px;overflow:hidden;position:absolute !important;width:1px} </style> <link rel="stylesheet" href="https://www.risk-strategies.com/hs-fs/hubfs/hub_generated/template_assets/1/81097728601/1737479513712/template_mjtw_styles.min.css">  <script> var _hsp = window._hsp = window._hsp || []; _hsp.push(['addPrivacyConsentListener', function(consent) { if (consent.allowed || (consent.categories && consent.categories.analytics)) { (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){ (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); ga('create','UA-45290059-1','auto'); ga('send','pageview'); }}]); </script>   <script> var _hsp = window._hsp = window._hsp || []; window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} var useGoogleConsentModeV2 = true; var waitForUpdateMillis = 1000; if (!window._hsGoogleConsentRunOnce) { window._hsGoogleConsentRunOnce = true; gtag('consent', 'default', { 'ad_storage': 'denied', 'analytics_storage': 'denied', 'ad_user_data': 'denied', 'ad_personalization': 'denied', 'wait_for_update': waitForUpdateMillis }); if (useGoogleConsentModeV2) { _hsp.push(['useGoogleConsentModeV2']) } else { _hsp.push(['addPrivacyConsentListener', function(consent){ var hasAnalyticsConsent = consent && (consent.allowed || (consent.categories && consent.categories.analytics)); var hasAdsConsent = consent && (consent.allowed || (consent.categories && consent.categories.advertisement)); gtag('consent', 'update', { 'ad_storage': hasAdsConsent ? 'granted' : 'denied', 'analytics_storage': hasAnalyticsConsent ? 'granted' : 'denied', 'ad_user_data': hasAdsConsent ? 'granted' : 'denied', 'ad_personalization': hasAdsConsent ? 'granted' : 'denied' }); }]); } } gtag('js', new Date()); gtag('set', 'developer_id.dZTQ1Zm', true); gtag('config', 'G-8QSF0JTQSP'); </script> <script async src="https://www.googletagmanager.com/gtag/js?id=G-8QSF0JTQSP"></script>   <script> var _hsp = window._hsp = window._hsp || []; window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} var useGoogleConsentModeV2 = true; var waitForUpdateMillis = 1000; var hsLoadGtm = function loadGtm() { if(window._hsGtmLoadOnce) { return; } if (useGoogleConsentModeV2) { gtag('set','developer_id.dZTQ1Zm',true); gtag('consent', 'default', { 'ad_storage': 'denied', 'analytics_storage': 'denied', 'ad_user_data': 'denied', 'ad_personalization': 'denied', 'wait_for_update': waitForUpdateMillis }); _hsp.push(['useGoogleConsentModeV2']) } (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-PZZSQ7S'); window._hsGtmLoadOnce = true; }; _hsp.push(['addPrivacyConsentListener', function(consent){ if(consent.allowed || (consent.categories && consent.categories.analytics)){ hsLoadGtm(); } }]); </script>  <script type="text/javascript" src="https://www.risk-strategies.com/hubfs/assets/js/jquery-3.7.1.min.js"></script> <script type="text/javascript" src="https://www.risk-strategies.com/hubfs/assets/js/jquery-migrate-3.4.1.min.js"></script> <script defer type="text/javascript" src="https://api.huckabuy.com/s/d3d3LnJpc2stc3RyYXRlZ2llcy5jb20=/install.js"></script> <link rel="amphtml" href="https://www.risk-strategies.com/blog/changes-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer?hs_amp=true"> <meta property="og:image" content="https://www.risk-strategies.com/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg"> <meta property="og:image:width" content="5616"> <meta property="og:image:height" content="3744"> <meta property="og:image:alt" content="Senior couple walking on the beach with their grandson."> <meta name="twitter:image" content="https://www.risk-strategies.com/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg"> <meta name="twitter:image:alt" content="Senior couple walking on the beach with their grandson."> <meta property="og:url" content="https://www.risk-strategies.com/blog/changes-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer"> <meta name="twitter:card" content="summary_large_image"> <link rel="canonical" href="https://www.risk-strategies.com/blog/changes-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer"> <meta property="og:type" content="article"> <link rel="alternate" type="application/rss+xml" href="https://www.risk-strategies.com/blog/rss.xml"> <meta name="twitter:domain" content="www.risk-strategies.com"> <script src="//platform.linkedin.com/in.js" type="text/javascript"> lang: en_US </script> <meta http-equiv="content-language" content="en"> <meta name="generator" content="HubSpot"></head> <body>  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PZZSQ7S" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div class="blog blog--v2 blog--post"> <div class="body-wrapper hs-content-id-177953369513 hs-blog-post hs-blog-id-81119488801"> <div id="hs_cos_wrapper_page_settings" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"></div> <div id="hs_cos_wrapper_module_site_header" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <header class="site-header site-header--on-light" role="banner"> <div class="site-header__top"> <div class="site-header__top-inner"> <div class="site-header__top-left"> <div class="site-header__skip-navigation"> <a class="site-header__skip-navigation-link cta-btn cta-btn--small" href="#main-content">Skip Navigation</a> </div> <div class="site-header__notification"> <svg width="18" height="18" viewbox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M9 1.5C4.86 1.5 1.5 4.86 1.5 9C1.5 13.14 4.86 16.5 9 16.5C13.14 16.5 16.5 13.14 16.5 9C16.5 4.86 13.14 1.5 9 1.5ZM9.75 12.75H8.25V11.25H9.75V12.75ZM9.75 9.75H8.25V5.25H9.75V9.75Z" fill="white" /> </svg> <p class="small" style="font-size: 16px;">We're here to help if you're impacted by the California wildfires: <a href="https://www.risk-strategies.com/insights/emergency-resource-center/wildfire" rel="noopener">View Our Wildfire Resources</a></p> </div> </div> <div class="site-header__secondary-menu"> <div id="hs_menu_wrapper_module_site_header_" class="hs-menu-wrapper active-branch no-flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="default" data-menu-id="81107954865" aria-label="Navigation Menu"> <ul role="menu"> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/careers/" role="menuitem">Careers</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/report-claim" role="menuitem">Report a Claim</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/contact-us/" role="menuitem">Contact Us</a></li> </ul> </div> </div> </div> </div> <div class="site-header__bottom"> <div class="site-header__bottom-inner"> <div class="site-header__bottom-left"> <div class="site-header__logo"> <a href="/"> <img src="https://www.risk-strategies.com/hubfs/assets/images/logos/logo-full-color.svg" alt="Risk Strategies Logo" width="106" height="50"> </a> </div> </div> <div class="site-header__bottom-middle"> <div class="site-header__main-menu"> <div class="hs-menu-wrapper"> <ul> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children"> <button class="mega-menu__trigger" data-trigger="menu-industries" aria-expanded="false" id="industries-menu"> Industries </button> <div class="mega-menu" data-menu="menu-industries" hidden aria-labelledby="#industries-menu"> <div class="mega-menu__inner"> <div class="mega-menu__grid"> <div class="mega-menu__grid-column"> <h2 class="h3"> Industries </h2> </div> <div class="mega-menu__grid-column"> <div class="mega-menu__parent-menu mega-menu__parent-menu--parent-only"> <ul class="mega-menu__parent-menu-list"> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/agriculture/"> <span> Agriculture </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/architects-engineers"> <span> Architects & Engineers </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/aviation"> <span> Aviation </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/cannabis"> <span> Cannabis </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/construction"> <span> Construction </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/dental"> <span> Dental </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/education/"> <span> Education </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/entertainment/"> <span> Entertainment </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/financial-services/"> <span> Financial Services </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/fine-art/"> <span> Fine Art </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/healthcare/"> <span> Healthcare </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/law-firms"> <span> Law Firms </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/marine-yacht/"> <span> Marine & Yacht </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/nonprofit/"> <span> Nonprofit & Human Services </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/private-equity"> <span> Private Equity </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/public-sector"> <span> Public Sector </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/real-estate"> <span> Real Estate </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/relocation"> <span> Relocation </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/transportation/"> <span> Transportation </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/waste-and-recycling"> <span> Waste & Recycling </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/wineries-vineyards"> <span> Wineries </span> </a> </li> </ul> </div> </div> </div> </div> <button class="mega-menu__close-btn" aria-label="Close"> <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M18.3 5.70997C17.91 5.31997 17.28 5.31997 16.89 5.70997L12 10.59L7.10997 5.69997C6.71997 5.30997 6.08997 5.30997 5.69997 5.69997C5.30997 6.08997 5.30997 6.71997 5.69997 7.10997L10.59 12L5.69997 16.89C5.30997 17.28 5.30997 17.91 5.69997 18.3C6.08997 18.69 6.71997 18.69 7.10997 18.3L12 13.41L16.89 18.3C17.28 18.69 17.91 18.69 18.3 18.3C18.69 17.91 18.69 17.28 18.3 16.89L13.41 12L18.3 7.10997C18.68 6.72997 18.68 6.08997 18.3 5.70997Z" fill="#2C5697" /> </svg> </button> </div> </li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children"> <button class="mega-menu__trigger" data-trigger="menu-solutions" aria-expanded="false" id="solutions-menu"> Solutions </button> <div class="mega-menu" data-menu="menu-solutions" hidden aria-labelledby="#solutions-menu"> <div class="mega-menu__inner"> <div class="mega-menu__grid"> <div class="mega-menu__grid-column"> <h2 class="h3"> Solutions </h2> </div> <div class="mega-menu__grid-column"> <div class="mega-menu__parent-menu mega-menu__parent-menu--parents-children"> <ul> <li class="mega-menu__parent-menu-item"> <button class="mega-menu__child-menu-trigger mega-menu__parent-menu-link mega-menu__parent-menu-link--button" aria-expanded="true"> <span> Business Insurance </span> </button> <div class="mega-menu__child-menu" data-level="1"> <ul> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/captives"> <span> Captives </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/casualty"> <span> Casualty </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/cyber-risk"> <span> Cyber </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/environmental"> <span> Environmental </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/international"> <span> International </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/management-liability"> <span> Management Liability </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/property"> <span> Property </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/business-insurance/surety"> <span> Surety </span> </a> </li> </ul> </div> </li> <li class="mega-menu__parent-menu-item"> <button class="mega-menu__child-menu-trigger mega-menu__parent-menu-link mega-menu__parent-menu-link--button" aria-expanded="false"> <span> Employee Benefits </span> </button> <div class="mega-menu__child-menu" data-level="2" hidden> <ul> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/"> <span> Employee Benefits Overview </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/benefit-administration-technology"> <span> Benefit Administration and Technology </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/benefits-compliance-support"> <span> Benefits Compliance Support </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/data-and-analytics"> <span> Data & Analytics </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/human-capital-advisory-services"> <span> Human Capital Advisory Services </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/international-benefits"> <span> International Benefits </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/absence-management-and-ancillary-program"> <span> Absence Management & Ancillary Programs </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/employee-benefits/voluntary-and-lifestyle-benefits"> <span> Voluntary & Lifestyle Benefits </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/medicare"> <span> Medicare </span> </a> </li> </ul> </div> </li> <li class="mega-menu__parent-menu-item"> <button class="mega-menu__child-menu-trigger mega-menu__parent-menu-link mega-menu__parent-menu-link--button" aria-expanded="false"> <span> Financial & Wealth </span> </button> <div class="mega-menu__child-menu" data-level="3" hidden> <ul> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/financial-wealth/"> <span> Financial & Wealth Overview </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/financial-wealth/life-insurance"> <span> Life Insurance </span> </a> </li> </ul> </div> </li> <li class="mega-menu__parent-menu-item"> <button class="mega-menu__child-menu-trigger mega-menu__parent-menu-link mega-menu__parent-menu-link--button" aria-expanded="false"> <span> Private Client Services </span> </button> <div class="mega-menu__child-menu" data-level="4" hidden> <ul> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services"> <span> Private Client Services Overview </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/home-estate/"> <span> Homeowners </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/flood-insurance"> <span> Flood </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/collections/"> <span> Collections </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/umbrella-excess-liability"> <span> Umbrella & Excess Liability </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/auto"> <span> Auto </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/collector-car-insurance"> <span> Collector & Exotic Car </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/marine-yacht/individuals"> <span> Boat & Yacht </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/travel-medical-and-trip-insurance"> <span> Travel Medical & Trip Insurance </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/family-office"> <span> Family Office </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/private-client-services/specialty-coverages/"> <span> Specialty Coverages </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/privateclientresources"> <span> Private Client Risk Resource Center </span> </a> </li> </ul> </div> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/industries/healthcare/reinsurance"> <span> Reinsurance </span> </a> </li> <li class="mega-menu__parent-menu-item"> <button class="mega-menu__child-menu-trigger mega-menu__parent-menu-link mega-menu__parent-menu-link--button" aria-expanded="false"> <span> Risk Management Services </span> </button> <div class="mega-menu__child-menu" data-level="6" hidden> <ul> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/risk-management-services/"> <span> Risk Management Services Overview </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/risk-management-services/analytics/"> <span> Analytics </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/risk-management-services/claims/"> <span> Claims Management & Advocacy </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/risk-management-services/loss-control/"> <span> Loss Control </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/industries/risk-management/safety-services"> <span> Safety Consulting Services </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/pro-safety-training-course-catalog"> <span> Pro Safety Training Courses </span> </a> </li> <li class="mega-menu__child-menu-item" data-level="2"> <a href="https://www.risk-strategies.com/workers-comp-insurance-premium-review-recovery"> <span> Workers’ Comp: Premium Review & Recovery </span> </a> </li> </ul> </div> </li> </ul> </div> </div> </div> </div> <button class="mega-menu__close-btn" aria-label="Close"> <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M18.3 5.70997C17.91 5.31997 17.28 5.31997 16.89 5.70997L12 10.59L7.10997 5.69997C6.71997 5.30997 6.08997 5.30997 5.69997 5.69997C5.30997 6.08997 5.30997 6.71997 5.69997 7.10997L10.59 12L5.69997 16.89C5.30997 17.28 5.30997 17.91 5.69997 18.3C6.08997 18.69 6.71997 18.69 7.10997 18.3L12 13.41L16.89 18.3C17.28 18.69 17.91 18.69 18.3 18.3C18.69 17.91 18.69 17.28 18.3 16.89L13.41 12L18.3 7.10997C18.68 6.72997 18.68 6.08997 18.3 5.70997Z" fill="#2C5697" /> </svg> </button> </div> </li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children"> <button class="mega-menu__trigger" data-trigger="menu-consulting" aria-expanded="false" id="consulting-menu"> Consulting </button> <div class="mega-menu" data-menu="menu-consulting" hidden aria-labelledby="#consulting-menu"> <div class="mega-menu__inner"> <div class="mega-menu__grid"> <div class="mega-menu__grid-column"> <h2 class="h3"> Consulting </h2> </div> <div class="mega-menu__grid-column"> <div class="mega-menu__parent-menu mega-menu__parent-menu--parents-children"> <ul> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/consulting"> <span> Consulting Overview </span> </a> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/actuarial-services"> <span> Actuarial Services </span> </a> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/benefit-audit-services"> <span> Healthcare Claim Audit Services </span> </a> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/health-and-welfare-consulting"> <span> Health and Welfare </span> </a> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/mergers-and-acquisitions-consulting"> <span> Mergers and Acquisitions </span> </a> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/pharmacy-consulting"> <span> Pharmacy Consulting </span> </a> </li> <li class="mega-menu__parent-menu-item"> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/retirement-plan-consulting"> <span> Retirement Benefits </span> </a> </li> </ul> </div> </div> </div> </div> <button class="mega-menu__close-btn" aria-label="Close"> <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M18.3 5.70997C17.91 5.31997 17.28 5.31997 16.89 5.70997L12 10.59L7.10997 5.69997C6.71997 5.30997 6.08997 5.30997 5.69997 5.69997C5.30997 6.08997 5.30997 6.71997 5.69997 7.10997L10.59 12L5.69997 16.89C5.30997 17.28 5.30997 17.91 5.69997 18.3C6.08997 18.69 6.71997 18.69 7.10997 18.3L12 13.41L16.89 18.3C17.28 18.69 17.91 18.69 18.3 18.3C18.69 17.91 18.69 17.28 18.3 16.89L13.41 12L18.3 7.10997C18.68 6.72997 18.68 6.08997 18.3 5.70997Z" fill="#2C5697" /> </svg> </button> </div> </li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children"> <button class="mega-menu__trigger" data-trigger="menu-news-and-insights" aria-expanded="false" id="news and insights-menu"> News and Insights </button> <div class="mega-menu" data-menu="menu-news-and-insights" hidden aria-labelledby="#news and insights-menu"> <div class="mega-menu__inner"> <div class="mega-menu__grid"> <div class="mega-menu__grid-column"> <h2 class="h3"> News and Insights </h2> </div> <div class="mega-menu__grid-column"> <div class="mega-menu__parent-menu mega-menu__parent-menu--parent-only"> <ul class="mega-menu__parent-menu-list mega-menu__parent-menu-list--large"> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/insights"> <span> All Insights </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/blog"> <span> Blog </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/insights/emergency-resource-center"> <span> Emergency Resource Centers </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/employee-benefits-compliance/blog"> <span> Employee Benefits Compliance Center </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/events"> <span> Events </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/media"> <span> Media Coverage </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/insights/market-outlook"> <span> State of the Market Reports </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/press-releases"> <span> Press Releases </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/privateclientresources"> <span> Private Client Resources </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/insights/webinar-resources"> <span> Webinars </span> </a> </li> </ul> </div> </div> </div> </div> <button class="mega-menu__close-btn" aria-label="Close"> <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M18.3 5.70997C17.91 5.31997 17.28 5.31997 16.89 5.70997L12 10.59L7.10997 5.69997C6.71997 5.30997 6.08997 5.30997 5.69997 5.69997C5.30997 6.08997 5.30997 6.71997 5.69997 7.10997L10.59 12L5.69997 16.89C5.30997 17.28 5.30997 17.91 5.69997 18.3C6.08997 18.69 6.71997 18.69 7.10997 18.3L12 13.41L16.89 18.3C17.28 18.69 17.91 18.69 18.3 18.3C18.69 17.91 18.69 17.28 18.3 16.89L13.41 12L18.3 7.10997C18.68 6.72997 18.68 6.08997 18.3 5.70997Z" fill="#2C5697" /> </svg> </button> </div> </li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children"> <button class="mega-menu__trigger" data-trigger="menu-company" aria-expanded="false" id="company-menu"> Company </button> <div class="mega-menu" data-menu="menu-company" hidden aria-labelledby="#company-menu"> <div class="mega-menu__inner"> <div class="mega-menu__grid"> <div class="mega-menu__grid-column"> <h2 class="h3"> Company </h2> </div> <div class="mega-menu__grid-column"> <div class="mega-menu__parent-menu mega-menu__parent-menu--parent-only"> <ul class="mega-menu__parent-menu-list mega-menu__parent-menu-list--large"> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/about/"> <span> About Us </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/annual-report"> <span> Annual Report </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/careers/"> <span> Careers </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/core-values/"> <span> Culture and Values </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/diversity-equity-and-inclusion"> <span> Diversity, Equity & Inclusion </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/environmental/"> <span> Environmental, Social, & Governance </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/general-terms-of-business"> <span> General Terms of Business </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/leaders"> <span> Leaders </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/local-expertise"> <span> Local Expertise </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/mergers-and-acquisitions/"> <span> Mergers & Acquisitions </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/awards"> <span> Recognition & Awards </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/risk-strategies-foundation"> <span> Risk Strategies Foundation </span> </a> </li> <li class=""> <a class="mega-menu__parent-menu-link" href="https://www.risk-strategies.com/company/transparency-and-disclosures"> <span> Transparency and Disclosures </span> </a> </li> </ul> </div> </div> </div> </div> <button class="mega-menu__close-btn" aria-label="Close"> <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M18.3 5.70997C17.91 5.31997 17.28 5.31997 16.89 5.70997L12 10.59L7.10997 5.69997C6.71997 5.30997 6.08997 5.30997 5.69997 5.69997C5.30997 6.08997 5.30997 6.71997 5.69997 7.10997L10.59 12L5.69997 16.89C5.30997 17.28 5.30997 17.91 5.69997 18.3C6.08997 18.69 6.71997 18.69 7.10997 18.3L12 13.41L16.89 18.3C17.28 18.69 17.91 18.69 18.3 18.3C18.69 17.91 18.69 17.28 18.3 16.89L13.41 12L18.3 7.10997C18.68 6.72997 18.68 6.08997 18.3 5.70997Z" fill="#2C5697" /> </svg> </button> </div> </li> </ul> </div> </div> </div> <div class="site-header__bottom-right"> <div class="site-header__search"> <button class="site-header__search-trigger" aria-label="Search"> <span class="site-header__search-trigger-icon site-header__search-trigger-icon--closed"> <svg width="25" height="24" viewbox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M21.0887 18.5988L16.8805 14.3906C17.8374 12.97 18.3096 11.1949 18.0568 9.30351C17.6258 6.08637 14.9891 3.46828 11.7688 3.06058C6.98084 2.45473 2.95475 6.48082 3.56063 11.2687C3.96844 14.4905 6.58688 17.1293 9.80438 17.5582C11.6958 17.8109 13.4712 17.339 14.8915 16.3819L19.0997 20.5901C19.6488 21.1392 20.5393 21.1392 21.0885 20.5901C21.6371 20.0402 21.6371 19.1473 21.0887 18.5988ZM6.28088 10.3125C6.28088 7.83117 8.29955 5.8125 10.7809 5.8125C13.2622 5.8125 15.2809 7.83117 15.2809 10.3125C15.2809 12.7938 13.2622 14.8125 10.7809 14.8125C8.29955 14.8125 6.28088 12.7945 6.28088 10.3125Z" fill="#2C5697" /> </svg> </span> </button> <div class="site-header__search-dropdown"> <div class="site-header__search-dropdown-inner"> <form action="/hs-search-results"> <div class="hs-search-field__bar-input"> <svg width="32" height="32" viewbox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M27.4516 24.7984L21.8406 19.1875C23.1166 17.2933 23.7461 14.9266 23.4091 12.4047C22.8344 8.11517 19.3187 4.62439 15.025 4.08078C8.64109 3.27298 3.27297 8.6411 4.08081 15.025C4.62456 19.3206 8.11581 22.8391 12.4058 23.4109C14.9277 23.7479 17.2949 23.1186 19.1886 21.8425L24.7996 27.4534C25.5317 28.1856 26.7191 28.1856 27.4513 27.4534C28.1828 26.7203 28.1828 25.5297 27.4516 24.7984ZM7.70781 13.75C7.70781 10.4416 10.3994 7.75001 13.7078 7.75001C17.0162 7.75001 19.7078 10.4416 19.7078 13.75C19.7078 17.0584 17.0162 19.75 13.7078 19.75C10.3994 19.75 7.70781 17.0594 7.70781 13.75Z" fill="#4D4E4B" /> </svg> <input type="text" class="hs-search-field__input site-header__search-bar-input" name="term" autocomplete="off" aria-label="" placeholder="Search www.risk-strategies.com"> <input type="hidden" name="type" value="SITE_PAGE"> <input type="hidden" name="type" value="LANDING_PAGE"> <input type="hidden" name="type" value="BLOG_POST"> <input type="hidden" name="type" value="LISTING_PAGE"> </div> <div class="hs-search-field__bar-submit"> <input class="cta-btn cta-btn--large cta-btn--tertiary-fill" type="submit" value="Search"> </div> </form> </div> </div> </div> <div class="site-header__cta-menu"> <div class="hs-menu-wrapper"> <ul> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children"> <a href="https://www.risk-strategies.com/careers/" role="button"> Join Us </a> <ul class="hs-menu-children-wrapper"> <li class="hs-menu-item hs-menu-depth-2 hs-item-has-children"> <a href="https://www.risk-strategies.com/careers/"> Careers </a> </li> <li class="hs-menu-item hs-menu-depth-2 hs-item-has-children"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions/"> Mergers & Acquisitions </a> </li> </ul> </li> </ul> </div> </div> <div class="menu-trigger__container"> <button class="menu-trigger__button" id="mobile-menu-toggle" aria-expanded="false" aria-controls="mobile-menu"> <div class="inner"> <span class="menu-trigger__icon"></span> <span class="menu-trigger__label">Menu</span> </div> </button> </div> </div> </div> </div> </header> <div id="mobile-menu" class="mobile-menu"> <div class="inner"> <div class="mobile-menu__top"> <div class="mobile-menu__main"> <div class="hs-menu-wrapper"> <ul> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> Industries </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries"> Industries </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/agriculture/"> Agriculture </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/architects-engineers"> Architects & Engineers </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Aviation </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Aviation </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/aviation"> Aviation </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/aviation/aviation-business-insurance"> Aviation Business Insurance - Manned Risk </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/aviation/non-owned-aviation"> Non-Owned Aviation </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/aviation/unmanned-aerial-system-and-drone"> Unmanned Aerial System and Drones </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/cannabis"> Cannabis </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Construction </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Construction </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/construction"> Construction </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/construction/alternative-solutions"> Alternative Solutions </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/construction/financing-and-pre-construction"> Financing & Pre-Construction </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/construction/insurance-solutions"> Insurance Solutions </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/construction/risk-management"> Risk Management </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/construction/surety"> Surety </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Dental </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Dental </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/dental"> Dental </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/dental"> Insurance for Dental Professionals </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/dental-malpractice-insurance"> Dental Malpractice Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/malpractice-insurance-dental-school-graduates-new-dentists"> Dental School Graduates </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/malpractice-insurance-dental-associates-hygienists"> Dental Associates & Hygienists </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/liability-insurance-dental-practice-owners"> Dental Practice Owners </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/malpractice-insurance-dental-groups-multi-locations"> Dental Groups & Multi-Locations </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Education </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Education </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/education/"> Education </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/education/employee-benefits"> Employee Benefits for Education </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/education/property-casualty-liability-risk-management"> Property, Casualty & Liability for Education </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Student Health & Wellness </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Student Health & Wellness </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/industries/education/student-health" style="text-decoration: none; margin: 5px 0 0"> Student Health & Wellness </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/industries/education/student-health-wellness-brokerage-consulting-services"> Student Health Brokerage and Consulting </a> </li> <li class=""> <a href="https://www.risk-strategies.com/industries/education/student-health-wellness-plan-administration"> Student Health Plan Administration </a> </li> <li class=""> <a href="https://www.risk-strategies.com/industries/education/student-health-insurance"> Student Health Insurance Plans </a> </li> <li class=""> <a href="https://www.risk-strategies.com/industries/education/student-athlete-accident-insurance-and-wellbeing-programs"> Solutions for Student Athletes </a> </li> <li class=""> <a href="https://www.risk-strategies.com/industries/education/student-health-wellness-tools-and-programs"> Student Health & Wellness Tools </a> </li> <li class=""> <a href="https://www.risk-strategies.com/industries/education/special-risk-insurance-for-college-students"> Special Risk Insurance </a> </li> </ul> </div> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Entertainment </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Entertainment </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/entertainment/"> Entertainment </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/film-television"> Film & Television </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/advertising-production-wrap-ups"> Advertising Production Wrap Ups </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/media-advertising-pr"> Advertising/PR </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/event-cancellation-and-non-appearance"> Event Cancellation & Non-Appearance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/music"> Music & Touring </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/theatre-plays"> Theatrical Production & Live Performance  </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/entertainment/venue-insurance"> Venue Insurance </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Financial Services </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Financial Services </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/financial-services/"> Financial Services </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/financial-services/asset-managers"> Asset Managers </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/financial-services/banks-and-non-bank-lending"> Banks & Non-Bank Lending </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/financial-services/collections"> Collections </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/financial-services/consumer-financial-services"> Consumer Financial Services </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/financial-services/financial-tech"> Financial Tech </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/financial-services/insurance-companies"> Insurance Companies </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Fine Art </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Fine Art </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/fine-art/"> Fine Art </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/artists"> Artists </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/artist-endowed-foundation"> Artist Endowed Foundations </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/auction-house"> Auction Houses </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/packer"> Fine Art Packers / Shippers / Warehouses </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/gallery"> Galleries </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/museum-insurance"> Museums </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/fine-art/private-art-dealers"> Private Art Dealers / Advisors </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/fine-art/private-collectors"> Private Collectors </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Healthcare </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Healthcare </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/healthcare/"> Healthcare </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/healthcare/benefits"> Employee Benefits - Healthcare </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/healthcare/managed-care"> Managed Care / Stop Loss </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/healthcare/medical-malpractice"> Medical Malpractice </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/healthcare/property-and-casualty"> Property & Casualty - Healthcare </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/healthcare/reinsurance"> Reinsurance </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/law-firms"> Law Firms </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Marine & Yacht </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Marine & Yacht </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/marine-yacht/"> Marine & Yacht </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/individuals"> Boat & Yacht For Individuals </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Commercial & Recreational Marine Businesses </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Commercial & Recreational Marine Businesses </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/industries/marine-yacht/commercial" style="text-decoration: none; margin: 5px 0 0"> Commercial & Recreational Marine Businesses </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/industries/marine-yacht/marine-businesses"> Marine Businesses </a> </li> <li class=""> <a href="https://www.risk-strategies.com/industries/marine-yacht/sailing-organizations-burgee-program"> Sailing Organizations - Burgee Program </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/jackline-program-cruising"> Jackline Insurance Solutions for Cruisers </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/mega-yachts"> Mega Yachts </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/one-design-insurance-program"> One-Design Insurance Program </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/crewmedical"> Crew Medical Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/sailors-health-insurance-program-for-us-sailing-members"> Sailors Health Insurance Program </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/us-sailing-programs"> US Sailing Insurance Solutions </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/nonprofit/"> Nonprofit & Human Services </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Private Equity </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Private Equity </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/private-equity"> Private Equity </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/private-equity/crypto-companies"> Crypto Companies </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Public Sector </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Public Sector </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/public-sector"> Public Sector </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/public-sector/public-safety-and-municipalities"> Public Safety Organizations & Municipalities </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Real Estate </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Real Estate </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/real-estate"> Real Estate </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/commercial-real-estate"> Commercial </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/community-associations"> Community Associations </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/hospitality"> Hospitality </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/residential-habitational"> Residential / Habitational </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/reits"> REITs </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/retail"> Retail </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/real-estate/specialty-programs"> Specialty Programs </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Relocation </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Relocation </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/relocation"> Relocation </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/domestic-household-goods"> Domestic Household Goods </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/expatriate-renters-liability"> Expat Renters & Living Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/household-goods-claims-administration"> Relocation Claims Service </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/international-household-goods"> International Household Goods </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/supplemental-movers-coverage"> Supplemental Movers Coverage </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/temporary-renters"> Temporary Living Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/relocation/vacant-home"> Vacant Home </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Transportation </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Transportation </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/transportation/"> Transportation </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/transportation/business-auto-insurance"> Business Auto Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/transportation/last-mile-delivery"> Last Mile Delivery </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/transportation/gig-economy-while-under-dispatch-insurance"> While Under Dispatch Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/transportation/forwarding-and-brokering"> Forwarding & Brokering </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/transportation/workers-compensation"> Workers' Compensation </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/waste-and-recycling"> Waste & Recycling </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/wineries-vineyards"> Wineries </a> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> Solutions </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/solutions"> Solutions </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Business Insurance </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Business Insurance </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/business-insurance/"> Business Insurance </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/business-insurance/captives"> Captives </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Casualty </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Casualty </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/business-insurance/casualty" style="text-decoration: none; margin: 5px 0 0"> Casualty </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/analytics"> Analytics </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/auto-liability-and-physical-damage"> Auto Liability & Physical Damage </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/captives-and-alternatives-risk-financing"> Captives & Alternative Risk Financing </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/claims-advocacy-and-loss-control"> Claims Advocacy & Loss Control </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/excess-liability"> Excess Liability </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/general-liability"> General Liability </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/product-recall"> Product Recall </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/casualty/workers-compensation"> Workers' Compensation </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Cyber </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Cyber </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/business-insurance/cyber-risk" style="text-decoration: none; margin: 5px 0 0"> Cyber </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/cyber-resolute"> Cyber Resolute </a> </li> <li class=""> <a href="https://www.risk-strategies.com/cyber-risk-assessment-and-analytics"> Cyber Risk Assessment and Analytics </a> </li> <li class=""> <a href="https://www.risk-strategies.com/cyber/dedicated-cyber-risk-response-and-claims-advocacy"> Cyber Risk Response & Claims Advocacy </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Environmental </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Environmental </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/business-insurance/environmental" style="text-decoration: none; margin: 5px 0 0"> Environmental </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/environmental/contractors-pollution"> Contractors Pollution Liability </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/environmental-excess"> Environmental Excess </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental-liability-transfer"> Environmental Liability Transfer </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/healthcare"> Environmental Liability - Healthcare </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/higher-education"> Environmental Liability - Higher Education </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/pollution-legal-liability"> Pollution Legal Liability </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/private-equity"> Environmental Liability - Private Equity </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/professional-environmental-liability-insurance"> Professional Environmental Liability Insurance </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/real-estate-development"> Real Estate Development </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/remediation-cost-cap"> Remediation Cost Cap </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/secured-creditor-protection-for-lenders"> Secured Creditor Protection for Lenders </a> </li> <li class=""> <a href="https://www.risk-strategies.com/environmental/underground-storage-tanks"> Underground Storage Tanks </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/business-insurance/international"> International </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Management Liability </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Management Liability </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/business-insurance/management-liability" style="text-decoration: none; margin: 5px 0 0"> Management Liability </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/management-liability/entertainment-industry"> Management Liability - Entertainment </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/management-liability/financial-institutions"> Management Liability - Financial Institutions </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/management-liability/healthcare-industry"> Management Liability - Healthcare </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/management-liability/real-estate-industry"> Management Liability - Real Estate </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Property </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Property </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/business-insurance/property" style="text-decoration: none; margin: 5px 0 0"> Property </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/builders-risk"> Builder's Risk </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/property/claims-services"> Property Claims Services </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/inland-and-ocean-marine"> Inland Transit and Ocean Cargo </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/property/natural-catastrophe-modelling-and-solutions"> Natural Hazard Catastrophe Modeling </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/political-violence-and-terrorism"> Political Violence and Terrorism </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/property/property-damage-and-business-interruptions-valuation"> Property Damage & Business Interruptions Valuations </a> </li> <li class=""> <a href="https://www.risk-strategies.com/business-insurance/property-loss-prevention-and-control-services"> Property Loss Prevention and Control </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/business-insurance/surety"> Surety </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Employee Benefits </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Employee Benefits </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/employee-benefits/"> Employee Benefits </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/"> Employee Benefits Overview </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/benefit-administration-technology"> Benefit Administration and Technology </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/benefits-compliance-support"> Benefits Compliance Support </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/data-and-analytics"> Data & Analytics </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/human-capital-advisory-services"> Human Capital Advisory Services </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/international-benefits"> International Benefits </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/absence-management-and-ancillary-program"> Absence Management & Ancillary Programs </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/employee-benefits/voluntary-and-lifestyle-benefits"> Voluntary & Lifestyle Benefits </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/medicare"> Medicare </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Financial & Wealth </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Financial & Wealth </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/financial-wealth/"> Financial & Wealth </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/financial-wealth/"> Financial & Wealth Overview </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/financial-wealth/life-insurance"> Life Insurance </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Private Client Services </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Private Client Services </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/private-client-services"> Private Client Services </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services"> Private Client Services Overview </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/home-estate/"> Homeowners </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/flood-insurance"> Flood </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/collections/"> Collections </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/umbrella-excess-liability"> Umbrella & Excess Liability </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/auto"> Auto </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/collector-car-insurance"> Collector & Exotic Car </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/marine-yacht/individuals"> Boat & Yacht </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/travel-medical-and-trip-insurance"> Travel Medical & Trip Insurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/family-office"> Family Office </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/private-client-services/specialty-coverages/"> Specialty Coverages </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/privateclientresources"> Private Client Risk Resource Center </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/healthcare/reinsurance"> Reinsurance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Risk Management Services </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Risk Management Services </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/risk-management-services/"> Risk Management Services </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/risk-management-services/"> Risk Management Services Overview </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/risk-management-services/analytics/"> Analytics </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/risk-management-services/claims/"> Claims Management & Advocacy </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/risk-management-services/loss-control/"> Loss Control </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/risk-management/safety-services"> Safety Consulting Services </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/pro-safety-training-course-catalog"> Pro Safety Training Courses </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/workers-comp-insurance-premium-review-recovery"> Workers’ Comp: Premium Review & Recovery </a> </li> </ul> </div> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> Consulting </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/consulting"> Consulting </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/consulting"> Consulting Overview </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/actuarial-services"> Actuarial Services </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/benefit-audit-services"> Healthcare Claim Audit Services </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/health-and-welfare-consulting"> Health and Welfare </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions-consulting"> Mergers and Acquisitions </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/pharmacy-consulting"> Pharmacy Consulting </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/retirement-plan-consulting"> Retirement Benefits </a> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> News and Insights </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/insights"> News and Insights </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/insights"> All Insights </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/blog"> Blog </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Emergency Resource Centers </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Emergency Resource Centers </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center"> Emergency Resource Centers </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/cybersecurity"> Cybersecurity </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/earthquake"> Earthquake </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/hurricane"> Hurricane </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/pandemic"> Pandemic </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/riot-and-civil-unrest"> Riot & Civil Unrest </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/severe-storms"> Severe Storms </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/active-assailant-and-violence"> Violence & Active Shooter </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/wildfire"> Wildfire </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/insights/emergency-resource-center/winter-weather"> Winter Weather </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/employee-benefits-compliance/blog"> Employee Benefits Compliance Center </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/events"> Events </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/media"> Media Coverage </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/insights/market-outlook"> State of the Market Reports </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/press-releases"> Press Releases </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/privateclientresources"> Private Client Resources </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/insights/webinar-resources"> Webinars </a> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> Company </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/about/"> Company </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/about/"> About Us </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/annual-report"> Annual Report </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/careers/"> Careers </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/core-values/"> Culture and Values </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Diversity, Equity & Inclusion </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Diversity, Equity & Inclusion </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/company/diversity-equity-and-inclusion"> Diversity, Equity & Inclusion </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/company/diversity-equity-and-inclusion/be-heard"> BeHEARD Series </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/company/diversity-equity-and-inclusion/structure"> DE&I Structure </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/company/diversity-equity-and-inclusion/employee-resource-groups"> Employee Resource Groups </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/environmental/"> Environmental, Social, & Governance </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/general-terms-of-business"> General Terms of Business </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/leaders"> Leaders </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/local-expertise"> Local Expertise </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions/"> Mergers & Acquisitions </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/awards"> Recognition & Awards </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/company/risk-strategies-foundation"> Risk Strategies Foundation </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Transparency and Disclosures </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Transparency and Disclosures </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/company/transparency-and-disclosures"> Transparency and Disclosures </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/company/general-terms-of-business"> General Terms of Business </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/company/conflict-of-interest-policy"> Conflict of Interest Policy </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/about/transparency-and-disclosures/compensation-disclosure"> Compensation Disclosure </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/about/transparency-and-disclosures/enterprise-risk-management"> Enterprise Risk Management </a> </li> </ul> </div> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> Join Us </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/careers/"> Join Us </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Careers </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Careers </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/careers/"> Careers </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/careers/benefits-wellness"> Benefits & Wellness </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/careers/growth-leadership-investment"> Investing in Growth & Leadership </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/careers/life/"> Life at Risk Strategies </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/careers/next-steps"> Next Steps </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Mergers & Acquisitions </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Mergers & Acquisitions </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions/"> Mergers & Acquisitions </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions/partnership-benefits"> Partnership Benefits </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions/why-join-us"> Why Join Us? </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/mergers-and-acquisitions/onboarding-and-integration"> Onboarding & Integration </a> </li> </ul> </div> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> </ul> </div> </div> </div> <div class="mobile-menu__bottom"> <div class="mobile-menu__search"> <div class="mobile-menu__search"> <div class="mobile-menu__search-dropdown"> <div class="mobile-menu__search-dropdown-inner"> <form action="/hs-search-results"> <div class="hs-search-field__bar-input"> <svg width="32" height="32" viewbox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M27.4516 24.7984L21.8406 19.1875C23.1166 17.2933 23.7461 14.9266 23.4091 12.4047C22.8344 8.11517 19.3187 4.62439 15.025 4.08078C8.64109 3.27298 3.27297 8.6411 4.08081 15.025C4.62456 19.3206 8.11581 22.8391 12.4058 23.4109C14.9277 23.7479 17.2949 23.1186 19.1886 21.8425L24.7996 27.4534C25.5317 28.1856 26.7191 28.1856 27.4513 27.4534C28.1828 26.7203 28.1828 25.5297 27.4516 24.7984ZM7.70781 13.75C7.70781 10.4416 10.3994 7.75001 13.7078 7.75001C17.0162 7.75001 19.7078 10.4416 19.7078 13.75C19.7078 17.0584 17.0162 19.75 13.7078 19.75C10.3994 19.75 7.70781 17.0594 7.70781 13.75Z" fill="#4D4E4B" /> </svg> <input type="text" class="hs-search-field__input mobile-menu__search-bar-input" name="term" autocomplete="off" aria-label="" placeholder="Search www.risk-strategies.com"> <input type="hidden" name="type" value="SITE_PAGE"> <input type="hidden" name="type" value="LANDING_PAGE"> <input type="hidden" name="type" value="BLOG_POST"> <input type="hidden" name="type" value="LISTING_PAGE"> </div> </form> </div> </div> </div> </div> <div class="mobile-menu__secondary"> <div class="hs-menu-wrapper"> <ul> <li class="hs-menu-item hs-menu-depth-1"> <a href="https://www.risk-strategies.com/careers/"> Careers </a> </li> <li class="hs-menu-item hs-menu-depth-1"> <a href="https://www.risk-strategies.com/report-claim"> Report a Claim </a> </li> <li class="hs-menu-item hs-menu-depth-1"> <a href="https://www.risk-strategies.com/contact-us/"> Contact Us </a> </li> </ul> </div> </div> </div> </div> </div> <div class="modal hs-search-hidden" id="external-popup" style="display: none;" role="complementary" aria-label="Exernal Popup Notification"> <div tabindex="-1" data-a11y-dialog-hide></div> <div role="dialog"> <div class="modal__underlay"></div> <div class="modal__content-outer"> <div class="modal__content-inner"> <div class="modal__content-message"> <p class="h2" style="text-transform: none;">You are about to leave Risk Strategies website and view the content of an external website.</p> <p>You are leaving risk-strategies.com</p> <p>By accessing this link, you will be leaving Risk Strategies website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Risk Strategies website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Risk Strategies.</p> </div> <div class="modal__content-actions"> <a class="modal__content-actions-btn modal__accept-btn cta-btn cta-btn--medium cta-btn--primary-fill" target="_blank" aria-label="Accept terms and leave the website of Arbor Financial Credit Union"> <span class="modal__accept-btn-label">OK</span> </a> <button class="modal__content-actions-btn modal__cancel-btn cta-btn cta-btn--medium cta-btn--primary-stroke" data-a11y-dialog-hide aria-label="Cancel and remain on the website of Arbor Financial Credit Union"> <span class="modal__cancel-btn-label">Cancel</span> </button> </div> <div class="modal__content-footer"> </div> </div> </div> </div> </div> <div id="main-content"></div></div> <main class="body-container-wrapper"> <div class="main-content"> <span> <div> <div class="blog-top-header module module--padding-top-xxs module--padding-bottom-none module--bg-transparent"> <div class="module__underlay" aria-hidden="true"> </div> <div class="module__inner constrain"> <div class="module__section-main module__section-main--block-align-left"> <div class="module__content module__content--text-align-left constrain--12"> <div class="blog-top-header__grid"> <div class="breadcrumb"> <ul class="hs-breadcrumb-menu"> <li class="hs-breadcrumb-menu-item first-crumb"> <a href="https://www.risk-strategies.com/insights" class="hs-breadcrumb-label">News and Insights</a> <span class="hs-breadcrumb-menu-divider"></span> </li> <li class="hs-breadcrumb-menu-item"> <a href="https://www.risk-strategies.com/blog" class="hs-breadcrumb-label">Blog</a> </li> </ul> </div> <div class="blog-top-header__subscribe"> <a class="cta-btn cta-btn--small cta-btn--secondary-stroke inline-popup" href="#subscribe">Subscribe</a> <div id="subscribe" class="mfp-hide blog-top-header__subscribe-modal module--bg-white"> <span id="hs_cos_wrapper_blog_subscribe" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_blog_subscribe" style="" data-hs-cos-general-type="widget" data-hs-cos-type="blog_subscribe"><h3 id="hs_cos_wrapper_blog_subscribe_title" class="hs_cos_wrapper form-title" data-hs-cos-general-type="widget_field" data-hs-cos-type="text">Subscribe via Email</h3> <div id="hs_form_target_blog_subscribe_9910"></div> </span> </div> </div> </div> </div> </div> </div> </div> </div> <div id="hs_cos_wrapper_blog_post_header" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="blog-header module module--padding-top-xs module--padding-bottom-xs module--bg-white"> <div class="module__inner constrain"> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <div class="two-column"> <div class="two-column__grid two-column__grid--50-50 two-column__grid--gap-large two-column__grid--middle"> <div> <div class="blog-header__post-content"> <div class="blog-header__post-content-top"> <nav class="breadcrumb"> <ul class="hs-breadcrumb-menu"> <li class="hs-breadcrumb-menu-item first-crumb"> <a href="https://www.risk-strategies.com/insights" class="hs-breadcrumb-label">News and Insights</a> <span class="hs-breadcrumb-menu-divider"></span> </li> <li class="hs-breadcrumb-menu-item"> <a href="https://www.risk-strategies.com/blog" class="hs-breadcrumb-label">Blog</a> </li> </ul> </nav> <div class="post__date"> September 12, 2024 </div> <h1> How Changes to Federal Estate and Gift Tax Exemption May Impact Wealth Transfer </h1> <div class="post__byline"> <div class="post__tags"> <span class="tag"> <a href="https://www.risk-strategies.com/blog/tag/private-client"> Private Client </a> </span> <span class="tag"> <a href="https://www.risk-strategies.com/blog/tag/life-insurance"> Life Insurance </a> </span> </div> <div class="post__read-time"> 10 min read </div> </div> </div> <div class="blog-header__post-content-bottom"> <div class="post__author"> <div class="post__author-name"> <a href="https://www.risk-strategies.com/blog/author/matthew-friedson-managing-director-executive-strategies-consulting-national-life-insurance-practice"> Matthew Friedson, Managing Director, National Life Insurance Practice Leader </a> </div> </div> <div class="share-icons"> <ul class="share-icons__list share-icons__list--left"> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer" data-type="facebook" title="Share on Facebook" target="_blank"> <svg class="share-icons__list-icon" height="21" width="10" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 8 15" role="img" aria-labelledby="socialFacebook"> <title id="socialFacebook">Facebook</title> <path fill="#FFFFFF" fill-rule="evenodd" d="M0 4.96h1.71V3.45c0-.66.02-1.69.56-2.32C2.83.46 3.6 0 4.93 0 7.09 0 8 .28 8 .28l-.43 2.3s-.71-.19-1.38-.19c-.67 0-1.26.22-1.26.82v1.75h2.73L7.47 7.2H4.93V15H1.71V7.2H0V4.96" /> </svg> </a> </li> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer&text=How+Changes+to+Federal+Estate+and+Gift+Tax+Exemption+May+Impact+Wealth+Transfer" data-type="twitter" title="Post on X" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 512 512"> <title id="socialTwitter">X (Twitter)</title>  <path fill="#FFFFFF" d="M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z" /> </svg> </a> </li> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer&title=How%20Changes%20to%20Federal%20Estate%20and%20Gift%20Tax%20Exemption%20May%20Impact%20Wealth%20Transfer&summary=The+2025+estate+tax+changes+could+impact+high-net-worth+individuals.+Avoid+increased+taxes+with+expert+guidance+%26amp%3B+strategic+wealth+transfer+planning+tips.&source=" data-type="linkedin" title="Share on LinkedIn" target="_blank"> <svg class="share-icons__list-icon" height="19" width="21" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 16 15" role="img" aria-labelledby="socialLinkedIn"> <title id="socialLinkedIn">LinkedIn</title> <path fill="#FFFFFF" fill-rule="evenodd" d="M16 15h-3.54V9.73c0-1.38-.55-2.33-1.77-2.33-.93 0-1.44.64-1.68 1.25-.09.22-.08.53-.08.84V15h-3.5s.04-9.34 0-10.19h3.5v1.6c.21-.7 1.33-1.7 3.11-1.7 2.22 0 3.96 1.47 3.96 4.62V15zM1.88 3.53h-.02C.73 3.53 0 2.76 0 1.77 0 .76.75 0 1.9 0c1.16 0 1.86.76 1.89 1.77 0 .98-.73 1.76-1.91 1.76zM.4 4.81h3.12V15H.4V4.81zm0 0" /> </svg> </a> </li> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="mailto:?subject=How%20Changes%20to%20Federal%20Estate%20and%20Gift%20Tax%20Exemption%20May%20Impact%20Wealth%20Transfer&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer" data-type="email" title="Email"> <svg class="share-icons__list-icon" height="16" width="21" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 18 13" role="img" aria-labelledby="socialEmail"> <title id="socialEmail">Email</title> <path fill="#FFFFFF" fill-rule="evenodd" d="M1.65 11.77c-.3 0-.55-.27-.55-.61V1.87l7.26 6.49c.02.02.03.04.05.06.1.12.25.18.39.18s.29-.06.39-.18c.02-.02.03-.04.05-.06l7.26-6.49v9.29c0 .34-.25.61-.55.61H1.65zM15.49 1.23L8.8 7.21 2.11 1.23h13.38zM17.44.18c-.12-.15-.29-.2-.46-.17H.62C.45-.02.28.03.16.18.05.3 0 .45 0 .61v11.78c0 .34.25.61.55.61h16.5c.3 0 .55-.27.55-.61V.62c0-.17-.05-.32-.16-.44zm0 0" /> </svg> </a> </li> </ul> </div> </div> </div> </div> <div> <div class="column-block__photo column-block__photo--full-width"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=640&height=300&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg" alt="Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer" loading="lazy" width="640" height="300" srcset="https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=320&height=150&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg 320w, https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=640&height=300&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg 640w, https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=960&height=450&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg 960w, https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=1280&height=600&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg 1280w, https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=1600&height=750&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg 1600w, https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=1920&height=900&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg 1920w" sizes="(max-width: 640px) 100vw, 640px"> </picture> </div> </div> </div> </div> </div> </div> </div> </div> </div> </span> </div> <div class="page page--sheet primary-content-container"> <div class="module--padding-top-xxxs"></div> <div class="blog-post__content"> <div class="blog-post__grid"> <div class="blog-post__share"> <ul class="share-icons__list share-icons__list--left"> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer" data-type="facebook" title="Share on Facebook" target="_blank"> <svg class="share-icons__list-icon" height="21" width="10" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 8 15" role="img" aria-labelledby="socialFacebook"> <title id="socialFacebook">Facebook</title> <path fill="#FFFFFF" fill-rule="evenodd" d="M0 4.96h1.71V3.45c0-.66.02-1.69.56-2.32C2.83.46 3.6 0 4.93 0 7.09 0 8 .28 8 .28l-.43 2.3s-.71-.19-1.38-.19c-.67 0-1.26.22-1.26.82v1.75h2.73L7.47 7.2H4.93V15H1.71V7.2H0V4.96" /> </svg> </a> </li> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer&text=How+Changes+to+Federal+Estate+and+Gift+Tax+Exemption+May+Impact+Wealth+Transfer" data-type="twitter" title="Post on X" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 512 512"> <title id="socialTwitter">X (Twitter)</title>  <path fill="#FFFFFF" d="M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z" /> </svg> </a> </li> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer&title=How%20Changes%20to%20Federal%20Estate%20and%20Gift%20Tax%20Exemption%20May%20Impact%20Wealth%20Transfer&summary=The+2025+estate+tax+changes+could+impact+high-net-worth+individuals.+Avoid+increased+taxes+with+expert+guidance+%26amp%3B+strategic+wealth+transfer+planning+tips.&source=" data-type="linkedin" title="Share on LinkedIn" target="_blank"> <svg class="share-icons__list-icon" height="19" width="21" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 16 15" role="img" aria-labelledby="socialLinkedIn"> <title id="socialLinkedIn">LinkedIn</title> <path fill="#FFFFFF" fill-rule="evenodd" d="M16 15h-3.54V9.73c0-1.38-.55-2.33-1.77-2.33-.93 0-1.44.64-1.68 1.25-.09.22-.08.53-.08.84V15h-3.5s.04-9.34 0-10.19h3.5v1.6c.21-.7 1.33-1.7 3.11-1.7 2.22 0 3.96 1.47 3.96 4.62V15zM1.88 3.53h-.02C.73 3.53 0 2.76 0 1.77 0 .76.75 0 1.9 0c1.16 0 1.86.76 1.89 1.77 0 .98-.73 1.76-1.91 1.76zM.4 4.81h3.12V15H.4V4.81zm0 0" /> </svg> </a> </li> <li class="share-icons__list-item"> <a class="share-icons__list-link" href="mailto:?subject=How%20Changes%20to%20Federal%20Estate%20and%20Gift%20Tax%20Exemption%20May%20Impact%20Wealth%20Transfer&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fchanges-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer" data-type="email" title="Email"> <svg class="share-icons__list-icon" height="16" width="21" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 18 13" role="img" aria-labelledby="socialEmail"> <title id="socialEmail">Email</title> <path fill="#FFFFFF" fill-rule="evenodd" d="M1.65 11.77c-.3 0-.55-.27-.55-.61V1.87l7.26 6.49c.02.02.03.04.05.06.1.12.25.18.39.18s.29-.06.39-.18c.02-.02.03-.04.05-.06l7.26-6.49v9.29c0 .34-.25.61-.55.61H1.65zM15.49 1.23L8.8 7.21 2.11 1.23h13.38zM17.44.18c-.12-.15-.29-.2-.46-.17H.62C.45-.02.28.03.16.18.05.3 0 .45 0 .61v11.78c0 .34.25.61.55.61h16.5c.3 0 .55-.27.55-.61V.62c0-.17-.05-.32-.16-.44zm0 0" /> </svg> </a> </li> </ul> </div> <div class="blog-post__content-inner"> <style type="text/css"> .blog-post__body img[src*="Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg"] { display: none; visibility: hidden; } </style> <div class="blog-post__body"> <span id="hs_cos_wrapper_post_body" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="meta_field" data-hs-cos-type="rich_text"><p>Significant tax changes are on the horizon for high-net-worth (HNW) individuals and families. The current historically high federal estate and gift tax exemptions are set to “sunset” at the end of 2025, which will lead to a substantial increase in estate taxes. HNW individuals need to act now and strategically transfer wealth or risk paying millions more in future estate taxes.</p>  <p>Navigating these upcoming changes requires informed decisions, expert guidance, and proactive strategies customized for your specific situation. By acting now to address the upcoming tax changes, you can mitigate potential tax burdens and ensure a smooth and efficient transfer of wealth to your beneficiaries and chosen charities.</p> <h2>What estate tax changes are coming at the end of 2025?</h2> <p>The lifetime gift and estate tax exemption more than doubled in 2017 due to The Tax Cuts and Jobs Act, it increased from $5.6 million for individuals and $11.8 million for married couples to an inflation-adjusted $13.61 million for individuals and $27.22 million for married couples in 2024. This is due to sunset at the end of 2025.</p> <p>The sunset will reduce by about half how much wealthy individuals and families doing long-term, multi-generational estate planning can pass on to heirs tax-free during their lifetime or at death. Unless Congress acts before this date, the exemptions will revert to where they were in 2017. With inflation adjustments, this will be approximately $7 million for individuals and $14 million for married couples.</p> <p>For those with significant wealth, the upcoming changes could significantly impact how much they can pass on to loved ones tax-free — halving the tax exemption threshold by approximately $7 million. That's money that could go to your heirs, to charities, or could be taxed and go to the government if you don't act.</p> <h2>There are two common misconceptions about the upcoming tax changes you should be aware of:</h2> <ul> <li>The first is that the current exemption amount is grandfathered for those who have already used a portion of their exemption. This is not true. Regardless of whether you've already used some of the exemption, the potential tax burden will increase as the exemption shrinks.</li> <li>The second misconception is that a taxpayer can choose to apply the exemption amount from the top, first. In other words, someone cannot claim they are using the top $10 million of the exemption amount so that when the amount sunsets, there will still be the bottom $4 million to apply. The exemption applies to the total value of your estate, not specific portions. You can't pick and choose which parts of your estate to exempt. Your entire estate will be subject to tax above the new, lower threshold.</li> </ul> <p>The end of 2025 will be here sooner than you think. Now is the time to start planning for lower exemptions.</p> <h2>How can wealthy families prepare for estate tax changes?</h2> <p>Every HNW individual and family’s situation is different. When considering the best way to prepare for estate tax changes, ensure that plans and strategies are tailored to address your unique needs and assets.</p> <p>Work with experienced experts to create a wealth transfer plan that maximizes the value passed on to heirs and/or charities. Achieve your financial goals and put your estate in the best possible position before the laws change by reducing your taxable estate, creating liquidity to pay estate taxes, shifting future growth in asset values out of the estate, and transferring the maximum possible before December 31, 2025.</p> <p>There are a number of avenues through which to transfer wealth, each with varying benefits and value. Estate planning strategies and tactics include:</p> <ul> <li><strong>Life insurance: </strong>This acts as a tax-free wealth transfer vehicle, allowing you to leave a significant death benefit to your loved ones without them incurring estate taxes. (See more details below)</li> <li><strong>Irrevocable trust: </strong>An irrevocable trust is a legal arrangement where you, the grantor, transfer assets to a trust for the benefit of named beneficiaries. The key aspect is that once the assets are transferred, you generally give up control of them and cannot revoke the trust and take the assets back. This legal arrangement transfers assets out of your estate, potentially reducing your taxable burden. Trust-owned life insurance is a valuable tax-free wealth management strategy that can be incorporated into an irrevocable trust. Revocable trusts, or living trusts, typically do not reduce your taxable estate for tax purposes.</li> <li><strong>Spousal Lifetime Access Trust (SLAT):</strong> This specialized trust allows you to gift assets to your spouse while still maintaining some access and control for their benefit.</li> <li><strong>Charitable trusts/foundations:</strong> By establishing a charitable trust or foundation, you can support causes you care about while potentially receiving tax benefits. This allows you to distribute assets to your chosen charities over time or all at once, and depending on the type of trust, you may receive a charitable deduction on your income taxes.</li> <li><strong>Annual gifting/lifetime exemption gifts:</strong> You can take advantage of the annual gift tax exclusion by gifting a certain amount of money (currently $16,000 per recipient) each year without incurring any gift tax.</li> </ul> <p>Estate planning can be complex, and finding the right structure and strategy is crucial. Working with qualified experts can give you peace of mind throughout the process.</p> <h2>Benefits of trust-owned life insurance as a wealth transfer vehicle</h2> <p>Life insurance is a critical component of a comprehensive strategy for asset protection and estate planning. By strategically transferring assets into a vehicle–like a trust–that funds life insurance premiums, you can leverage those assets to maximize the value passed onto loved ones. This means your beneficiaries can receive a much larger sum than the original assets' value.</p> <h3>Benefits of trust-owned life insurance include:</h3> <ul> <li><strong>Income and estate tax-free: </strong>The cash value within the life insurance policy grows tax-free. This means any earnings generated by the policy are not subject to income taxes, unlike other investment vehicles. Additionally, by placing the life insurance policy within a trust, you effectively remove it from your taxable estate. This means the death benefit generally avoids estate taxes entirely. Since your beneficiaries receive the full amount, it maximizes the value they inherit.</li> <li><strong>Creates flexibility for estate:</strong> A variety of life insurance policies cater to different needs and budgets. You can choose a policy with a guaranteed death benefit or explore options that allow for growth potential through cash value accumulation.</li> <li><strong>Creates liquidity for heirs:</strong> The death benefit from a life insurance policy provides immediate cash flow to your beneficiaries. Particularly in a down market, this can be crucial for covering expenses like estate taxes, funeral costs, or outstanding debts, without forcing them to sell other assets. This is especially relevant for those with significant real estate assets, closely held business interests, and art or collectibles.</li> <li><strong>Probate avoidance (typically):</strong> Probate is a lengthy and potentially public court process that can delay the distribution of assets to your beneficiaries. By placing the life insurance policy within a trust, you effectively remove it from your estate. The trust, not you, owns the policy. This means the death benefit bypasses probate entirely.</li> <li><strong>Leverage:</strong> Life insurance allows you to leverage a relatively small premium payment into a much larger death benefit for your beneficiaries. This is a significant advantage. You can transfer a substantial amount of wealth without having to tie up a large portion of your current assets in a less liquid form. This is particularly attractive with higher tax rates and lower exemption thresholds on the horizon.</li> <li><strong>Appreciation and growth:</strong> Another key benefit lies in the tax-free growth of the cash value within the life insurance policy. This is especially valuable for grantor-retained trusts, where the grantor initially funds the trust but retains certain powers. Since trust income is typically taxed back to the grantor, the tax-free growth inside the life insurance policy becomes even more advantageous. The cash value can accumulate and compound over time, further increasing the overall death benefit for your beneficiaries.</li> </ul> <h2>Private Placement Life Insurance (PPLI): A rising tool</h2> <p>Recently, another life insurance policy has been growing in popularity and use: private placement life insurance (PPLI). PPLI is only accessible to ultra-high-net-worth individuals and offers significant advantages. PPLI takes the benefits of trust-owned life insurance to new levels, with additional functionality and market access.</p> <h3>What is private placement life insurance?</h3> <p>Private Placement Life Insurance (PPLI) is a life insurance policy for high-net-worth individuals that offers a unique and powerful solution. It has the potential to supercharge wealth transfer strategies. PPLI combines life insurance protection with sophisticated investment options and tax advantages, making it a powerful tool for building and efficiently transferring your wealth.</p> <p>PPLI unlocks a range of investment opportunities, allowing you to invest your premiums in assets like hedge funds, private equity, private credit, and real estate. This opens doors for potentially higher returns to grow your wealth over time. This growth remains tax-free, meaning the cash value within your PPLI policy accumulates without being subject to taxes, allowing your wealth to compound faster compared to traditional taxable investments. PPLI also offers options for accessing your funds in a tax-smart way.</p> <p>Of course, PPLI retains the core benefit of life insurance: a death benefit that provides financial security for your loved ones after you're gone. Talk to your insurance broker and advisor to determine whether PPLI is right for your estate planning and wealth transfer structure.</p> <h2>Life insurance considerations</h2> <p>The life insurance landscape is far more complex than it seems on the surface, especially for high-net-worth individuals. With the tax exemptions sunsetting, there are more factors at play influencing decisions and guidance. When working to secure the right life insurance policies and portfolio for you and your family, take the following considerations into account:</p> <ul> <li><strong>Capacity:</strong> If you are trying to acquire large amounts of life insurance, carrier capacity may be limited. The process may have to be staged out in layers with different carriers in order to secure the necessary coverage.</li> <li><strong>Policy structure:</strong> Small changes within your policy and/or premium funding can make a significant difference in how your coverage performs over time. Experts can advise you on the right policy structure and premium funding to meet your goals.</li> <li><strong>Independent advisors:</strong> Independence from specific carriers is important. With access to more carriers, you are more likely to get the limits and coverage you need. Be sure to work with independent brokers and consultants.</li> </ul> <h2>Act now. Talk to experts today.</h2> <p>The clock is ticking. Wealth transfers and estate planning take time, and the gift and estate tax exemption sunsetting deadline will be here before you know it. Don't wait until the deadline arrives to discover the potentially multi-million dollar impact the change will have on your wealth transfer plans.</p> <p>Stay informed about the implications of these changes and navigate the complexities through a holistic approach.</p> <p>Work with your planners and advisors to develop a coordinated effort tailored to meet the specific needs for your estate and family. Build an advisory team that includes life insurance experts, financial planners and advisors, family office representatives, accountants with expertise in personal and business valuation, and trust and estate attorneys.</p> <p>Risk Strategies has a deep bench of <a href="/financial-wealth/life-insurance" rel="noopener">life insurance experts</a> with comprehensive experience and tax code knowledge. We are fully and uniquely equipped to help you through the tax changes and find ideal solutions for your situation.</p> <p>Do not risk losing a significant portion of your assets due to a lack of planning. Build a comprehensive estate plan that ensures a smooth and tax-efficient wealth transfer for generations to come.</p> <h3>Want to learn more?</h3> <ul> <li>Find <a href="https://www.linkedin.com/in/matthew-friedson-63088381/" rel="noopener" class="external-link" data-is-whitelisted="false">Matthew Friedson on LinkedIn</a>.</li> <li>Connect with a Risk Strategies Life Insurance expert - <a href="mailto:life@risk-strategies.com">life@risk-strategies.com</a></li> <li>Connect with the Risk Strategies Private Client team at <a href="mailto:privateclient@risk-strategies.com">privateclient@risk-strategies.com</a>.</li> </ul> <p style="font-size: 16px;"> </p> <p style="font-size: 16px;">DISCLOSURE: Securities offered through Lion Street Financial, LLC. (LSF), member FINRA & SIPC. LSF are not affiliated with RSC Insurance Brokerage, Inc DBA Risk Strategies.</p></span> </div> <div id="hs_cos_wrapper_disclaimer" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="blog-post-disclaimer module module--padding-top-xxs module--padding-bottom-none module--bg-transparent"> <div class="module__inner constrain"> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <p class="small">The contents of this article are for general informational purposes only and Risk Strategies Company makes no representation or warranty of any kind, express or implied, regarding the accuracy or completeness of any information contained herein. Any recommendations contained herein are intended to provide insight based on currently available information for consideration and should be vetted against applicable legal and business needs before application to a specific client. </p> </div> </div> </div> </div> </div> <div class="blog-post__spacer"></div> <div class="blog-post__more-posts module"> <div class="module__section-header module__section-header--block-align-"> <div class="module__section-header-inner module__section-header-inner--text-align- constrain--12"> <div class="module__section-header-grid"> <div> <h3>Related Posts</h3> </div> <div> <p><a class="cta-link cta-link--chevron-left" href="https://www.risk-strategies.com/blog">See all posts</a></p> </div> </div> </div> </div> <div class="blog-post__more-grid"> <span> <div class="post post--card"> <div class="post__link"> <div class="post__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=450&height=250&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg" alt="" loading="lazy" width="450" height="250" srcset="https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=225&height=125&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg 225w, https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=450&height=250&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg 450w, https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=675&height=375&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg 675w, https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=900&height=500&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg 900w, https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=1125&height=625&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg 1125w, https://www.risk-strategies.com/hs-fs/hubfs/Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg?width=1350&height=750&name=Hacker%20using%20laptop.%20Lots%20of%20digits%20on%20the%20computer%20screen.jpg 1350w" sizes="(max-width: 450px) 100vw, 450px"> </picture> </div> <div class="post__inner" aria-hidden="true"> <div class="post__content"> <div class="post__content-top"> <span class="post__byline"> <span class="post__tag"> <a class="tag" href="https://www.risk-strategies.com/blog/tag/private-client"> Private Client </a> <a class="tag" href="https://www.risk-strategies.com/blog/tag/cyber"> Cyber </a> </span> <div class="post__read-time"> 6 min read </div> </span> <div class="post__date"> January 29, 2025 </div> <h4 class="post__title"> <a href="https://www.risk-strategies.com/blog/family-office-cybersecurity-how-to-defend-against-cyberattacks"> Family Office Cybersecurity: How to Defend Against Cyberattacks </a> </h4> <span class="post__snippet">Key takeaways: Training and awareness: Implement ongoing training programs that cover phishing …</span> </div> <div class="post__content-bottom"> <div class="post__actions"> <a class="post__read-more cta-link cta-link--single-chevron" href="https://www.risk-strategies.com/blog/family-office-cybersecurity-how-to-defend-against-cyberattacks"> Read article </a> </div> </div> </div> </div> </div> </div> <div class="post post--card"> <div class="post__link"> <div class="post__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://photos.superyachtapi.com/download/322548/extra-large" alt="" loading="lazy" width="450" height="250"> </picture> </div> <div class="post__inner" aria-hidden="true"> <div class="post__content"> <div class="post__content-top"> <span class="post__byline"> <span class="post__tag"> <a class="tag" href="https://www.risk-strategies.com/blog/tag/private-client"> Private Client </a> <a class="tag" href="https://www.risk-strategies.com/blog/tag/marine-business"> Marine Business </a> </span> <div class="post__read-time"> 8 min read </div> </span> <div class="post__date"> December 02, 2024 </div> <h4 class="post__title"> <a href="https://www.risk-strategies.com/blog/how-lithium-ion-battery-hazards-are-changing-yacht-insurance"> How Lithium-Ion Battery Hazards Are Changing Yacht Insurance </a> </h4> <span class="post__snippet">Editor's Note: This article originally appeared in SuperYacht Times. Reprinted with permission.</span> </div> <div class="post__content-bottom"> <div class="post__actions"> <a class="post__read-more cta-link cta-link--single-chevron" href="https://www.risk-strategies.com/blog/how-lithium-ion-battery-hazards-are-changing-yacht-insurance"> Read article </a> </div> </div> </div> </div> </div> </div> <div class="post post--card"> <div class="post__link"> <div class="post__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=450&height=250&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg" alt="" loading="lazy" width="450" height="250" srcset="https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=225&height=125&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg 225w, https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=450&height=250&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg 450w, https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=675&height=375&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg 675w, https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=900&height=500&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg 900w, https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=1125&height=625&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg 1125w, https://www.risk-strategies.com/hs-fs/hubfs/Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg?width=1350&height=750&name=Damaged%20houses%20and%20flooded%20streets%20after%20Hurricane%20Sandy.jpg 1350w" sizes="(max-width: 450px) 100vw, 450px"> </picture> </div> <div class="post__inner" aria-hidden="true"> <div class="post__content"> <div class="post__content-top"> <span class="post__byline"> <span class="post__tag"> <a class="tag" href="https://www.risk-strategies.com/blog/tag/private-client"> Private Client </a> <a class="tag" href="https://www.risk-strategies.com/blog/tag/flood-insurance"> Flood Insurance </a> </span> <div class="post__read-time"> 14 min read </div> </span> <div class="post__date"> July 29, 2024 </div> <h4 class="post__title"> <a href="https://www.risk-strategies.com/blog/comprehensive-guide-to-flood-insurance-rising-flood-risks"> A Comprehensive Guide to Flood Insurance: Essential Protection for Rising Flood Risks </a> </h4> <span class="post__snippet">Flooding is by far the most common, costly, and destructive natural disaster in the United States, …</span> </div> <div class="post__content-bottom"> <div class="post__actions"> <a class="post__read-more cta-link cta-link--single-chevron" href="https://www.risk-strategies.com/blog/comprehensive-guide-to-flood-insurance-rising-flood-risks"> Read article </a> </div> </div> </div> </div> </div> </div> </span> </div> </div> </div> <div class="blog-post__spacer"></div> </div> </div> <div id="hs_cos_wrapper_vertical_spacer_3" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="vertical-spacer module module--padding-top-medium module--padding-bottom-none module--bg-transparent"> </div></div> </div> </main> <div id="hs_cos_wrapper_module_site_footer" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <footer class="site-footer"> <div class="site-footer__top"> <div class="site-footer__top-inner"> <div class="site-footer__top-left"> <div class="site-footer__logo"> <img src="https://www.risk-strategies.com/hubfs/assets/images/logos/logo-on-dark.svg" alt="Risk Strategies Logo" width="106" height="50"> </div> </div> <div class="site-footer__top-right"> <div class="site-footer__main-menu"> <div id="hs_menu_wrapper_module_site_footer_" class="hs-menu-wrapper active-branch no-flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="MJTW Footer Menu" data-menu-id="81107664215" aria-label="Navigation Menu"> <ul role="menu"> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/report-claim" role="menuitem">Report a Claim</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/contact-us/" role="menuitem">Contact</a></li> </ul> </div> </div> <div class="site-footer__legal-menu"> <div id="hs_menu_wrapper_module_site_footer_" class="hs-menu-wrapper active-branch no-flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="MJTW Footer Legal Menu" data-menu-id="81113735584" aria-label="Navigation Menu"> <ul role="menu"> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/terms-and-conditions" role="menuitem">Terms of Use</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/cookie-policy" role="menuitem">Cookie Policy </a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/privacy-policy" role="menuitem">Privacy Policy</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/washington-and-nevada-consumer-health-data-privacy-notice" role="menuitem">Consumer Health Data Privacy Notice</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/accessibility" role="menuitem">Accessibility</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/health-plan-transparency-compliance" role="menuitem">Health Plan Transparency Compliance</a></li> </ul> </div> </div> <div class="site-footer__legal-menu site-footer__legal-menu--lp" style="display: none;"> <div id="hs_menu_wrapper_module_site_footer_" class="hs-menu-wrapper active-branch no-flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="Footer" data-menu-id="78716221880" aria-label="Navigation Menu"> <ul role="menu"> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/accessibility" role="menuitem">Accessibility</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/cookie-policy" role="menuitem">Cookie Policy</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/health-plan-transparency-compliance" role="menuitem">Health Plan Transparency Disclosure</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/privacy-policy" role="menuitem">Privacy Policy</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.risk-strategies.com/terms-and-conditions" role="menuitem">Terms of Use</a></li> </ul> </div> </div> </div> </div> </div> <div class="site-footer__inner"> <div class="site-footer__bottom"> <div class="site-footer__bottom-left"> <div class="site-footer__copyright"> <span class="site-footer__copyright-text">©2025 Risk Strategies. All rights reserved.</span> </div> </div> <div class="site-footer__bottom-right"> <div class="site-footer__social-links"> <h3 class="h6">Connect with Us</h3> <div id="hs_menu_wrapper_module_site_footer_" class="hs-menu-wrapper active-branch no-flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="MJTW Footer Social Links" data-menu-id="91790871907" aria-label="Navigation Menu"> <ul role="menu"> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.linkedin.com/company/risk-strategies-company/" role="menuitem" target="_blank" rel="noopener">LinkedIn</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://x.com/RiskStrategies" role="menuitem" target="_blank" rel="noopener">X</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.instagram.com/riskstrategiescompany" role="menuitem" target="_blank" rel="noopener">Instagram</a></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.facebook.com/RiskStrategiesCompany/" role="menuitem" target="_blank" rel="noopener">Facebook</a></li> </ul> </div> </div> </div> </div> </div> </footer></div> </div> </div>  <script defer src="/hs/hsstatic/content-cwv-embed/static-1.1293/embed.js"></script> <script src="https://www.risk-strategies.com/hs-fs/hubfs/hub_generated/template_assets/1/81097728599/1737390751262/template_mjtw_main.min.js"></script> <script> var hsVars = hsVars || {}; hsVars['language'] = 'en'; </script> <script src="/hs/hsstatic/cos-i18n/static-1.53/bundles/project.js"></script>  <script data-hs-allowed="true" src="/_hcms/forms/v2.js"></script> <script data-hs-allowed="true"> hbspt.forms.create({ portalId: '20256628', formId: '1ca98afa-edec-49b4-a9df-4c40626cf595', formInstanceId: '9910', pageId: '177953369513', region: 'na1', pageName: 'Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer', contentType: 'blog-post', formsBaseUrl: '/_hcms/forms/', css: '', target: '#hs_form_target_blog_subscribe_9910', formData: { cssClass: 'hs-form stacked' } }); </script>  <script type="text/javascript"> var _hsq = _hsq || []; _hsq.push(["setContentType", "blog-post"]); _hsq.push(["setCanonicalUrl", "https:\/\/www.risk-strategies.com\/blog\/changes-to-federal-estate-gift-tax-exemptions-may-impact-wealth-transfer"]); _hsq.push(["setPageId", "177953369513"]); _hsq.push(["setContentMetadata", { "contentPageId": 177953369513, "legacyPageId": "177953369513", "contentFolderId": null, "contentGroupId": 81119488801, "abTestId": null, "languageVariantId": 177953369513, "languageCode": "en", }]); </script> <script type="text/javascript" id="hs-script-loader" async defer src="/hs/scriptloader/20256628.js?businessUnitId=0"></script>  <script type="text/javascript"> var hsVars = { render_id: "cbc95bb1-c92b-4b32-86b5-1482c678082b", ticks: 1739205897057, page_id: 177953369513, content_group_id: 81119488801, portal_id: 20256628, app_hs_base_url: "https://app.hubspot.com", cp_hs_base_url: "https://cp.hubspot.com", language: "en", analytics_page_type: "blog-post", scp_content_type: "", analytics_page_id: "177953369513", category_id: 3, folder_id: 0, is_hubspot_user: false } </script> <script defer src="/hs/hsstatic/HubspotToolsMenu/static-1.393/js/index.js"></script> <div id="fb-root"></div> <script>(function(d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_GB/sdk.js#xfbml=1&version=v3.0"; fjs.parentNode.insertBefore(js, fjs); }(document, 'script', 'facebook-jssdk'));</script> <script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src="https://platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");</script> </body></html>

CINXE.COM

Changes to Federal Estate & Gift Tax Exemptions May Impact Wealth Transfer