Last week, Congress passed—and President Trump signed—the sweeping One Big Beautiful Bill Act (OBBBA). This 900+ page budget reconciliation package permanently extends many Trump-era tax provisions, introduces new deductions and credits, and deepens cuts to Medicaid, SNAP, student loans, and green-energy incentives. Early analysis suggests it could add $2.8–$3.4 trillion to the federal deficit through 2034.[1] Your clients have questions, so familiarize yourself with the main points so you can provide sound guidance:
1. Permanent extension of 2017 tax cuts
2. Expanded SALT deduction
3. New temporary deductions (2025–2028)
4. Estate & gift tax enhancements
5. Child Tax Credit bump + indexing
1. Re-cast tax projections
2. Estate plan reviews essential
3. Seniors: tax-shelter strategies
4. Low-income client risk
5. Business owners & passthrough entities
6. Debt & fixed-income vigilance
At Inspire Advisors, we strive to glorify God in our work, and we know that no government bill—however sweeping—replaces the timeless truth of Scripture. The One Big Beautiful Bill creates new opportunities and challenges, but our counsel must always flow from the Creator.
1. Stewardship over strategy
While tax planning and estate strategies are important, they must serve a greater goal: faithful stewardship. Luke 16:11 reminds us:
“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?”
Our task is to help clients manage “unrighteous wealth” (money) with integrity, discipline, and eternity in mind.
2. Planning with humility
Even in the face of new legislation, we plan with open hands—knowing the future is in God’s control. Proverbs 16:9 teaches:
“The heart of man plans his way, but the Lord establishes his steps.”
As we help clients adapt to these changes, we encourage prayerful decision-making, generosity, and contentment—not just optimization.
Ultimately, our financial advice isn’t just about helping clients win in this world—it’s about helping them be faithful for the next.
[1] https://www.bipc.com/one-big%2C-beautiful-bill-.-.-.-simplified?utm_source=chatgpt.com
[3] https://en.wikipedia.org/wiki/One_Big_Beautiful_Bill_Act?utm_source=chatgpt.com
[5] https://indiatimes.com/news/donald-trumps-big-beautiful-bill-gives-tax-breaks-to-businesses-top-earners-but-cuts-food-aid-healthcare-for-millions-662917.html?utm_source=chatgpt.com
[6] https://www.crfb.org/blogs/breaking-down-one-big-beautiful-bill?utm_source=chatgpt.com
[7] https://www.kiplinger.com/taxes/big-gop-tax-bill-could-change-your-estate-planning?utm_source=chatgpt.com
[9] https://usafacts.org/articles/whats-in-the-one-big-beautiful-bill/?utm_source=chatgpt.com
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