On July 4, 2025, President Trump signed the One Big Beautiful Bill (OBBB) into law.
This landmark legislation reshapes the tax landscape for individuals, families, and businesses across the U.S.
While some changes are permanent, others expire in 2028, creating a unique window for planning. At Digits Dynamic, our goal is to help you understand how the bill affects you—and how to maximize the opportunities it provides.
Key Highlights of the Bill
Lower Tax Rates & Bigger Deductions
Many of the tax cuts from 2017 are now permanent. With lower brackets and higher standard deductions, taxpayers can expect more savings.
New Deductions
The bill introduces temporary deductions (through 2028) for:
- Tips
- Overtime pay
- Auto loan interest
These provisions directly benefit working families and individuals.
SALT Deduction Increase
The state and local tax (SALT) deduction cap has been raised to $40,000, giving relief to those in high-tax states.
Estate Planning Opportunities
Starting in 2026, the estate and gift tax exemption doubles to $15 million per person ($30 million per couple). This creates a powerful, but time-sensitive, opportunity for wealth transfer and estate planning.
Business Incentives
Businesses can now fully expense:
- Research and development (R&D) investments
- Manufacturing property
This makes 2025–2028 an ideal period to strategically invest in growth.
Why It Matters Now
Some provisions are locked in for the long-term, but others are set to expire after 2028. That means there’s limited time to maximize deductions, reposition assets, and structure investments. Acting early ensures you don’t leave money on the table.
How Digits Dynamic Can Help
At Digits Dynamic, we translate complex laws into clear strategies tailored to you. Here’s how we support our clients:
- Eligibility Review – Ensuring you qualify for new deductions.
- Year-End Planning – Optimizing tax strategies for 2025.
- Future Strategy – Building a forward-looking plan for 2026 and beyond.
- Estate & Wealth Planning – Protecting your legacy with the expanded exemptions.
- Business Growth – Leveraging new expensing and R&D incentives.
The Bottom Line
The Big Beautiful Bill isn’t just another tax law—it’s a chance to create lasting financial advantages. But timing matters.
📞 Contact Digits Dynamic today to schedule your planning session and secure the benefits for both this year and the years ahead.