The recently passed tax and spending legislation marks a turning point for estate planners, offering a stable legislative environment by making key estate and gift tax provisions permanent, attorney Robert Kirkland said during a recent NAIFA webinar. The bill ends decades of shifting rules and provides a consistent framework for long-term estate planning, Kirkland said.

The US annuity market is expected to see continued growth into 2026, driven by demographic shifts, market volatility and increased awareness of retirement income gaps. Key trends include the rise of registered index-linked annuities, long-term care annuities and in-plan income solutions. Artificial intelligence is increasingly being used to streamline processes and personalize experiences, making it a crucial tool for future growth, according to industry experts.

Howard Sharfman of NFP Kirkland Insurance Solutions notes that annuities have a reputation for high commissions and limited flexibility, which deters clients despite the availability of modern, efficient options. Sharfman urges advisors to integrate annuities into comprehensive financial plans, use digital tools to simplify the buying process, and emphasize transparency to build trust.

The Securities and Exchange Commission's Division of Examinations has released its priorities for 2026, with a focus on compliance with fiduciary standards, cybersecurity, emerging technology, financial responsibility and investor protection. Amid resource constraints, the agency said it will prioritize recently registered advisors, as well as firms that have never been examined.

Republicans are standing firmly against extending the enhanced Affordable Care Act subsidies, instead advocating for a plan that would redirect funds directly to consumers. This stance is supported by President Donald Trump, who insists on sending money back to people rather than continuing subsidy extensions. Sen. Bill Cassidy, R-La., chair of the Senate Health Committee, introduced a plan to redirect the subsidy funds to health savings accounts for people with high-deductible ACA plans.

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Financial advisors are adjusting their year-end planning efforts in response to robust year-to-date stock market gains and evolving tax legislation. They stress the importance of portfolio diversification, estate planning, balance sheet readiness and cash flow predictability. "This is a great time to assess each family's objectives, ensure we are up to date on any estate tax exemptions a family may still have, and prepare for year-end charitable gifts," says Caprock's Ryan Singer.

NAIFA plays a pivotal role in supporting both advisors and families by initiating essential conversations about long-term care planning, writes NAIFA CEO Kevin Mayeux. Through initiatives like the Impact Day webinar, which will be hosted by NAIFA's Limited & Extended Care Planning Collective t