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Louis C Ciliberti & Associates Ltd

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United States
Plainview, NY
Louis C Ciliberti & Associates Ltd

As founder of Louis C. Ciliberti & Associates, Ltd. Louis is passionate about putting his clients first. Firm Information:
Louis C. Louis C. PKS and Louis C.

in 1986, Louis has been providing sophisticated estate planning and wealth management solutions to some of the wealthiest families in the Tri-State area for over 20 years. In fact, he believes there is nothing more valuable than a well-served client. For over 30 years Louis has represented entrepreneurs and high net worth families, foundations, and corporations. He has extensive expertise in the f

ollowing areas:

-Tax & Estate Planning
-Wealth Management
-Pension & Employee Benefits Consulting
-Insurance Consulting
-Business Consulting
-Family Office Solutions
-Life, Disability, and Health

Above all, Louis values family. He also believes deeply in charitable work and takes great pleasure in volunteering his time with Catholic Faith Network, American Heart Association, Leukemia and Lymphoma Society, and Center for Jewish History, among others. is an independent Estate Planning, Employee Benefits and Private Wealth Management firm headquartered on Long Island, New York. With over 100 years of combined partner experience in the business marketplace, we provide time proven techniques along with cutting edge solutions for our personal estate planning and corporate benefit clientele. We pride ourselves on the ability to offer our clients objective advice based on their best interests and only in the areas in which we are competent. Ciliberti & Associates may utilize third-party websites, including social media websites, blogs and other interactive content. We consider all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, we generally retain copies of information that we or third parties may contribute to such sites. This information is subject to review and inspection by Thrivent Advisor Network or the securities regulators. Advisory Persons of Thrivent provide advisory services under a “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Ciliberti & Associates and Thrivent Advisor Network, LLC are not affiliated companies. Securities offered through Purshe Kaplan Sterling Investments (“PKS”), Member FINRA/SIPC. PKS is headquartered at 80 State Street, Albany, NY 12207. Ciliberti & Associates are not affiliated companies. See www.lccassoc.com for important disclosures.

03/26/2026

Ever Googled someone and found their home address, phone number, and maybe even email sitting in plain sight?

Identity protection is essential for helping to safeguard financial accounts and credit, which is why it matters. 🔒

If you’re interested, here are some tips to help you remove personal information from Google Search results.

🌐 Use “Results about you” to locate results with contact details, and set alerts for new matches.

🌐 Submit a removal request for personal contact info like home address, phone number, or email.

🌐 Provide the exact page URLs that contain the information. Google reviews each URL submitted.

This is a simple, high-impact privacy step. For additional protection, pair it with strong passwords, two-factor authentication, and regular credit monitoring. You can’t be too careful.

03/24/2026

Did you know the typical first-time homebuyer is now 40?

That is why more parents are stepping in, nearly 80 percent of Gen Z homeowners say they received family financial help.

If you are considering helping an adult child buy a home, the key question is usually not “should we help,” it’s “how do we structure it?”

Before money moves, pressure test four things:

➡️ Gift, loan, or shared ownership? Each has different implications.
➡️ Protect your strategy. Help them without creating pressure on your own liquidity and goals.
➡️ Protect the family. Prepare such that you’re protected if life changes or the home is sold.
➡️ Keep it fair. Think ahead about sibling dynamics and future gifts.

Most families are surprised by how many options exist and how different the outcomes can be.

If you have done this, what worked best in your situation?

03/19/2026

Ever paid a credit card off, then wondered why the credit score barely moved, or even dipped?

Here are 5 tips that might help raise your score—do you check all the boxes?

✔️ Payment history is the biggest factor; one missed payment can outweigh a lot of “good behavior.”

✔️ Credit utilization can change quickly; a common guideline is less than 30 percent, and top scores tend to be in the single digits.

✔️ Paying more than once a month can be beneficial, especially if you pay before the statement closes.

✔️ A credit limit increase can lower utilization quickly, as long as spending stays flat.

✔️ An authorized user setup can help, even without using the card, when added to a well-managed account.

When borrowing is on the horizon, aligning credit moves with the broader financial strategy may help.

03/18/2026

We get asked this question a lot: “Can I deduct home office expenses as a self-employed business owner?”

As we always say, please consult your tax, legal, or accounting professional to confirm what’s appropriate for your situation.

Generally, the answer is like most things: It depends.

At a very high level, here are some guidelines we’ve learned when working with tax professionals:

👍 What typically qualifies
A specific area used exclusively and regularly for business, often as the principal place of business or a place to meet clients.

❓ What sometimes counts as an expense
A business shares costs such as rent or mortgage interest, utilities, insurance, and certain maintenance or repairs associated with the workspace.

👎 What usually does NOT qualify
A space that is also used personally, and expenses tied to parts of the home that are not part of the business use area.

Because the details matter, maintaining good records and having a quick conversation with a tax professional can help determine what applies and keep decisions aligned with the broader financial strategy.

03/13/2026

Did you know that starting in 2026, if you're 50 or older with prior year wages over $150k, you must place catch-up contributions to a Roth IRA account?

That’s a big change, and here are 5 things you need to know:

1️⃣ This applies to 401(k), 403(b), 457(b) plans.
2️⃣ When catch-up contributions are put into a Roth account, you pay taxes on that money today, but qualified withdrawals and earnings can be tax-free later if requirements are met.
3️⃣ The 2026 catch-up limit is $8,000 for 50+, and a “super catch-up” limit of $11,250 may apply for ages 60 to 63 if the plan allows.
4️⃣ Regular contributions can still be elected as traditional pre-tax or Roth when a plan offers both options, while catch-up contributions may be Roth-only for those who meet the wage threshold.
5️⃣ The threshold is based on wages from the year before, specifically prior year F**A wages, so 2025 wages determine 2026 treatment.

The change eliminates what used to be a choice. For people with higher taxable income approaching retirement, this affects the approach to contribution timing and broader Roth conversion strategies.

Let’s talk if you have questions about how this could impact you. Your tax, legal, or accounting professional may also have insights.

Remember, with most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.

03/12/2026

Tax legislation can be complex, but its impact is often concentrated in a handful of lines.

The One Big Beautiful Bill Act highlights several changes that can impact household decisions in 2026, especially in high-tax states.

Key Facts to Know:

1️⃣ The State and Local Tax (SALT) cap: Increased to $40,000, begins to phase out above $500,000 of income, then reverts to $10,000 in 2030.
2️⃣ Standard Deduction: Made permanent and increased to $16,100 single and $32,200 joint, indexed for inflation after 2025.
3️⃣ Estate and Gifting: Lifetime exclusion increases to $15 million per person and $30 million for couples, indexed for inflation.
4️⃣ Charitable Giving: A permanent charitable deduction returns for non-itemizers, plus new limits and thresholds for itemizers, including a 0.5 percent Adjusted Gross Income floor and a cap for top bracket households.

When rules change, households that take a proactive approach and coordinate with their tax, legal, and accounting professionals may have a better understanding of how new rules affect them. 📌

03/10/2026

When things feel unsettled around us, cash can sometimes feel like a sound alternative.

For 2026, is it actually sound or just comfortable?

A December 2025 Yahoo Finance article named “Sitting on cash for 2026? Why experts say the ‘safe’ option could be your biggest risk” helps frame the tension: “Volatility is the price you pay for long-term returns in the market,” and the temptation is to manage that volatility by sitting on cash.

In personal finance conversations, “safe” can refer to two different things: attempting to manage market swings in the short term or protecting purchasing power and long-term goals over time.

There is rarely a one-size-fits-all answer.

The optimal cash position depends on a variety of factors, including spending needs, liquidity, time horizon, and the ability to stay disciplined when markets get noisy.

We work with clients to help align their cash needs with their overall strategy and goals, not the headlines. Let us know if you’d like to talk.

03/09/2026

If retirement is on the calendar this year, Medicare enrollment timing is one detail that can create big headaches if missed.

5 key points to have on the radar in early March:

1️⃣ Medicare’s General Enrollment Period runs each year from January 1 through March 31.
2️⃣ It is designed for people who missed the initial enrollment window and need Part A and or Part B.
3️⃣ Enrollment during this period starts coverage the month after enrollment.
4️⃣ Part B late enrollment penalties can apply, calculated as 10 percent per full year delayed, and can last for life.
5️⃣ Timing can intersect with employer coverage decisions and Medigap enrollment windows, so coordination matters.

Health coverage choices are personal finance choices.

A quick check in March may help manage gaps, penalties, and stress later.

03/06/2026

Employee appreciation is not a perk; it can be a retention lever. 🙌

A 2024 Gallup survey found that employees who feel they are not adequately recognized are twice as likely to say they will quit in the next year.

A couple of practical moves that can work in any business:

✏️ Make recognition specific to impact, not effort.

✏️ Do it close to the moment, not weeks later.

A 2024 SHRM research study also found that employees with a positive employee experience are 68 percent less likely to consider leaving.

What is the most effective recognition you have received, and why did it land?

03/03/2026

What do 5, 45, and 59 have to do with Women’s History Month?

There are 3 numbers that should shape how women think about personal finances:

💡 5: Women live about five years longer on average, which can materially change retirement and healthcare preparation.
💡 45: Women are on track to control as much as 45 percent of investable assets in the U.S. and Europe by 2030, per a 2025 study by McKinsey & Company.
💡 59: The average age of widowhood is about 59, meaning many women become the primary financial decision maker earlier than expected.

A simple checklist that helps:

✅ Confirm titling, beneficiaries, and key documents reflect reality today
✅ Build liquidity for flexibility during transitions
✅ Stress test the strategy for longevity, healthcare, and single-income scenarios

Bottom line for this month: wealth is growing, timelines are longer, and transitions can occur earlier; therefore, consider putting a strategy in place.

03/01/2026

Women’s History Month question:

Does your family’s financial strategy reflect that by 2030, women are expected to control much of $30 trillion in US financial assets, according to a landmark study by McKinsey & Company?

Why Does This Matter for Families

👥 More households will have women leading major financial decisions, from retirement choices to legacy goals.

📌 Women live about five years longer than men on average, which might influence withdrawal strategies, insurance approaches, and long-term care decisions.

🧩 Clear roles, transparent accounts, and a playbook for what happens if one partner has to manage everything.

What’s a financial lesson you learned from a woman in your life?

02/26/2026

What’s Your Effective Tax Rate?

Most people can rattle off their top federal tax bracket (their marginal rate), but don’t always know their effective tax rate.

Here is the difference.

Marginal Tax Rate:
●The rate on the last dollar of taxable income
●Tied to the highest bracket reached

Effective Tax Rate:
●Total federal income tax divided by total taxable income
●Always lower than the top bracket in a progressive system

Using simplified 2025 federal numbers for married filing jointly (Federal income taxes only, simplified illustrative figures only).

At $100,000 Taxable Income:
●Top federal bracket: 22 percent
●Effective federal rate: about 12 percent

At $250,000 Taxable Income:
●Top federal bracket: 24 percent
●Effective federal rate: about 18 percent

At $400,000 Taxable Income:
●Top federal bracket: 32 percent
●Effective federal rate: about 21 percent

Each layer of income is taxed at a different rate, so only the top slice hits the highest bracket.

Knowing both the marginal and effective rates can help keep tax conversations in perspective and make decisions more grounded. Your tax professional can provide additional insights.

Address

Plainview, NY
11803

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

https://www.lccassoc.com/

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