C3 Financial Partners

December 2023 Newsletter

Sleep Better to Age Better

At C3 Financial Partners, we have an interest in studying the impact of aging and obtaining the greatest benefits from increasing longevity due to our Founder, Todd Healy’s, master’s degree in social work with an emphasis on studying the elderly.

This month, we wanted to focus on an area where good choices and habits can help support overall health, cognitive function, and emotional well-being as we age.


Getting the right amount of quality sleep can help ensure not just longevity, but the ability to enjoy those years as well.

At C3 Financial Partners, we look forward to helping our clients and their advisors gain clarity in their goals and objectives, confidence that they are making the right decisions, and coordination with other advisors.

Learn More


IRS Applicable Federal Rate Update

The latest update to the AFR rates saw decreases in all of the short-term, mid-term, and long-term rates.  To see the updated rates, head to the link below.

And please note – you can access the link on our homepage to check current and historic AFR rates at any time!

See The AFR Report

Other Important IRS Updates

In addition to the AFR rates, the IRS has released the 2024 estate tax basic exclusion and gift tax annual exclusion.

The basic exclusion amount for determining the amount of the unified credit against estate tax under IRC Section 2010 will be $13,610,000 for decedents who die in 2024, a $690,000 increase from 2023.

The annual gift tax exclusion increases to $18,000 for 2024, up $1,000 from 2023.

Happy Holidays and Happy New Year!

From everyone here at C3 Financial Partners, we want to wish you and your family a healthy, happy, and safe holiday season and New Year!

We look forward to 2024 and continuing to bring clarity, confidence, and coordination to our clients.

Securities offered through Valmark Securities, Inc. member FINRA, SIPC.  Investment advisory products and services offered through Valmark Advisers, Inc., an SEC Registered Investment Advisor.  Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed.  C3 Financial Partners is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc.

The information presented here is for educational purpose only and is not intended to provide specific advice or recommendations for any individual nor does it take into account the particular investment objectives, financial situation or needs of individual investors. This material is not intended to provide and should not be relied on for tax advice. Any tax advice contained herein is of a general nature. You should seek specific advice from your tax professional before pursuing any idea contemplated.


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