The clock is ticking for America’s biggest wealth transfer in generations — and many families don’t even know it’s happening.

Estate planners warn that 2025 marks a critical deadline for protecting inheritances before federal tax exemptions are cut nearly in half.

And missing it could mean losing millions to taxes.

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In 2010, the estate tax was temporarily repealed — and billionaires like George Steinbrenner and Dan Duncan passed away that year, transferring massive estates entirely tax-free before the law returned in 2011.