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What Does the Permanent Federal Estate Tax Exemption Mean for You?
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Retire Wise | December 2025

About six months before historically high gift, estate, and generation-skipping exemption levels were scheduled to expire, legislation changed course. The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, made these exemption amounts permanent. Because they continue to be indexed annually for inflation, taxpayers can plan with clarity and adjust strategies to meet a wide range of legacy planning objectives. In this month's Retire Wise find out what the permanent federal estate tax exemption means for you.

December 01, 2025

November 2025 Monthly Recap

Latest Publications November 2025 Monthly Recap

The S&P 500 carved out a small gain in November after a strong 3.74% month-ending weekly gain, its largest weekly advance in five months. The S&P turned positive for the month on the final trading day in November, gaining 0.54% on Friday’s abbreviated post-Thanksgiving “Black Friday” trading session. Essentially, dip buyers emerged to reverse a nearly month-long selling spree centered in Big Tech stocks as investors questioned lofty valuations especially among AI-related companies.

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December 01, 2025

Cetera Welcomes Commonwealth Firm, Piedmont Financial Partners, Whose Four Advisors Oversee More Than $184 Million in AUA

Press Room Cetera Welcomes Commonwealth Firm, Piedmont Financial Partners, Whose Four Advisors Oversee More Than $184 Million in AUA

Firm founder Howell Cullens and team chose Cetera seeking to replicate the superior service and robust support for independent advisors they experienced with Commonwealth

SAN DIEGO – Dec. 1, 2025 – Cetera welcomes Piedmont Financial Partners and its 7-person team, including financial advisors Howell Cullens and his son Nash Cullens, Trey Rhodes, and Nick Lyons. Based in Greensboro, Georgia, near the fast-growing Lake Oconee resort community, Piedmont Financial Partners oversees approximately $184 million in assets under administration*. The team transfers from Commonwealth to the Cetera Wealth Partners community.

The team started searching for a new financial services partner because LPL acquired Commonwealth.

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