Potential 2026 Tax Savings From The New Bill

This month, my newsletter explores the following topics:

• Many overestimate life insurance costs and coverage

• How cash balance plans boost retirement savings

• Potential 2026 tax savings from the new bill

• New financial bill’s five key policy changes

Summer is coming to a close, and thoughts are starting to focus on the holidays and year-end. Although it may seem early, now is the perfect time to take steps to maximize your savings efforts with year-end strategies. Please get in touch with me if I can help you identify any opportunities or challenges that can position you for a more prosperous 2025.

They Don’t Understand Life Insurance And Overestimate Its Cost

A majority of people without life insurance say they need it, but myths about cost and complexity stop them from buying. Even those with some coverage often don’t have enough. So what’s really holding them back?

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Cash Balance Pension Plans: The Smart Way To Turbocharge Your Retirement

The IRS allows balances up to $3.5 million in 2025 under cash balance plans, making them a top option for late savers or high earners. Even better, employer contributions often do the heavy lifting. How might this plan work with your existing retirement setup?

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Here's Your Potential Tax Cut In 2026 From The One Big Beautiful Bill Act

Taxpayers may see significant changes in 2026, including expanded deductions and substantial benefits for high earners. But individual outcomes depend on income, deductions, and family size. See how the law might shift your bottom line.

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Five Major Policies To Know From The One Big Beautiful Bill Act

The One Big Beautiful Bill Act packs in adjustments for tips, overtime, retirement, and more—but some changes are permanent while others will expire in just a few years. Which five updates are actually worth your attention?

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Michael M. Silverman is a Financial Representative of The Guardian Life Insurance Company of America, New York, NY.  Silver Lining Insurance Agency, Inc. is not an affiliate or subsidiary of Guardian.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.

6980263.12 Exp. 9/27