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NAVIGATE THROUGH 20 YEARS OF CHANGES.
Federal Tax Rate Estate Tax Rate
39.6% in addition 40%
Estate Tax
to 3.8% Medicare Exemption $11M
Tax
Inflation 3.16% Inflation .12% Inflation 1.81%
US Debt-Ceiling Volatility from fears of
US Government Crisis & Global economic
credit rating Government slowdown & rising rates
downgraded Shutdowns Brexit
2012 2020
CFP BFA
2
3
Synergy SEC
Registered
2 Certified Financial Planner™ (CFP®). The CFP® certification is a voluntary certification; no federal or state law or regulation
requires financial planners to hold CFP® the certification. It is recognized in the United States and a number of other countries for its (1)
high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern
professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States.
3 Behavioral Financial Advisor (BFA). The BFA program is designed to support advisors in better understanding the psychological
makeup of their clients with an emphasis on developing behavioral coaching expertise to help clients avoid making emotional decisions
about finances.
1. Tax data from Bradford Tax Institute 2. Estate Data from The Balance 3. Inflation Data from MacroTrends
