John Mateyko, APMA®, WMCP™, RICP® on Estate Planning Trends in 2024



As the year unfolds, it’s an ideal moment to review your estate plan and make sure it reflects your financial goals and the legal landscape ahead. John Mateyko, Managing Partner at IDEX Financial, shares important updates and estate planning strategies to help you prepare for potential tax changes and protect your legacy.

If you’re considering an update or unsure about how future changes could affect your estate, John Mateyko encourages you to start planning today.

Federal Estate Tax: Key Changes Ahead

Current estate and gift tax exemptions are set to decrease in the coming years, which could lead to larger taxable estates. Proposals are also in discussion to reduce exemption limits even further and increase estate tax rates.

For those whose estates may be impacted, John Mateyko highlights the importance of proactive planning. Delaying action could result in significant tax liability for your heirs. Taking advantage of current exemptions can offer substantial benefits.

Strategies to Consider Before Laws Change

John Mateyko recommends considering the following strategies to help preserve your assets and minimize tax exposure:

Spousal Lifetime Access Trust (SLAT)

This irrevocable trust allows one spouse to move assets out of their estate while still supporting the other spouse through limited access. According to John Mateyko, this is a powerful strategy for couples looking to reduce estate taxes while maintaining some flexibility. The donor spouse should retain sufficient assets outside of the SLAT for their own financial needs.

Credit Shelter Trust (CST)

Often established after the first spouse passes, a CST allows assets to pass to beneficiaries without being taxed again upon the surviving spouse’s death. John Mateyko notes that this strategy can shield wealth for the next generation but recommends weighing the impact of potential capital gains taxes, as the assets receive only a single step-up in basis.

Permanent Life Insurance

Unlike term policies, permanent life insurance offers lifelong coverage and builds cash value. John Mateyko frequently incorporates this tool into estate planning for clients concerned about liquidity and tax efficiency. The proceeds can help cover estate taxes or provide financial support to heirs, often free of estate tax.

Why Regular Reviews Matter

Estate plans are not static. As laws shift and your personal circumstances evolve, reviewing your plan regularly is essential. John Mateyko advises all clients to revisit their estate strategy annually or after any major life event to ensure their plan still aligns with their long-term goals.

This material is intended for informational purposes only and does not constitute tax advice. Please consult your tax advisor for guidance specific to your situation.

About John Mateyko

John Mateyko is a dedicated financial advisor and fiduciary with an exceptional track record in retirement and estate planning. He serves as Managing Partner of IDEX Financial, a boutique firm he founded to help individuals and families navigate their financial futures with confidence.

With a career spanning decades, John Mateyko has held key roles at respected institutions and is known for his strategic, client-first approach. He holds numerous professional designations and continues to pursue advanced education to better serve his clients’ evolving needs.

Currently based in Serenbe, Georgia, John Mateyko blends professional excellence with a deep commitment to his community and clients.

About IDEX Financial

Founded by John Mateyko, IDEX Financial began as a boutique investment advisory firm in Chicago and has since expanded to Georgia. Now located in Serenbe, the firm specializes in tailored retirement income planning and comprehensive estate strategies.

At IDEX, John Mateyko leads clients through complex financial decisions with clarity and care. Every plan is built to reflect the unique financial goals and life stages of the individual.

A Life Rooted in Community

Outside the office, John Mateyko is a devoted family man and active member of the Serenbe community. He lives there with his wife, son, and their beloved dog. Serenbe offers a lifestyle focused on wellness, sustainability, and nature—values that John Mateyko embraces both personally and professionally.

Final Thoughts from John Mateyko

Estate planning is not just about taxes—it’s about ensuring your wishes are honored and your loved ones are protected. Through careful planning, tailored strategies, and ongoing guidance, John Mateyko is committed to helping you create a lasting legacy.

If you’re ready to revisit your estate plan or have questions about what lies ahead, don’t hesitate to reach out to John Mateyko at IDEX Financial.

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