Lead generation for financial advisors in Vermont.
Vermont has 147,621 residents aged 65 and over, 22.8% of its population, the 2nd highest share of the 50 states. It taxes most retirement income, with exclusions that switch off as income rises and an estate tax that starts at $5,000,000.
Who you are actually talking to in Vermont.
Vermont's Social Security and public pension exclusions phase out at moderate incomes, and a filer eligible for both must choose one. Its $5,000,000 estate tax threshold sits well below the federal one, so estate planning has a state dimension here.
Source: U.S. Census Bureau, vintage 2024 population estimates (sc-est2024-agesex-civ), civilian population aged 65 and over.
What Vermont pre-retirees are actually asking about
Vermont raised its Social Security income lines from tax year 2025 and aligned its estate tax filing threshold in 2026. Verified against the Vermont Statutes, the Vermont Department of Taxes and the IRS on 2026-09-24.
Social Security exclusion phases out above $55,000 or $70,000
Vermont excludes all federally taxable Social Security benefits when federal AGI is $55,000 or less for single filers, or $70,000 or less for joint filers. A partial exclusion applies over the next $10,000, and none applies at $65,000 single or $80,000 joint. These lines apply from tax year 2025.
Social Security or a public pension exclusion: choose one
Vermont also excludes up to $10,000 of CSRS and certain other public pensions earned outside Social Security, within the same income lines. A filer eligible for both must elect only one. Military retirement is separate: fully excluded up to $125,000 of federal AGI, phasing out by $175,000, and it can be combined with either.
A state estate tax above $5,000,000
Vermont taxes estates at 16% of the Vermont taxable estate over $5,000,000, and taxable gifts made within two years of death count toward that threshold. The federal basic exclusion amount is $15,000,000 for deaths in 2026, so a Vermont estate can owe state tax with no federal estate tax due.
The Vermont Department of Taxes seniors page still shows older Social Security lines (full exclusion up to $50,000 single and $65,000 joint); 32 V.S.A. 5830e, as amended by Act 71 of 2025, sets $55,000 and $70,000, and the statute governs. Private pension, IRA and 401(k) withdrawals are not among these exclusions.
The same system, run in Vermont.
Intent-driven ads
Hyper-targeted campaigns built to create intent, not just impressions. Pre-retirees in your market meet educational content first, so they arrive already wanting a planning conversation.
Consent and verification
A multi-step survey plus prior express written consent, then phone and email validation. Every contact belongs to one advisor only. Never shared, never resold, never recycled.
Appointment setting
Our team confirms the call, sends your content ahead of it and handles follow up. Or you run the cadence yourself with our system.
Coaching to close
Discovery scripting, objection handling and post-call review, with the full funnel tracked from first contact to signed client.
Where else the program performs.
We run the same system in every state. Every one has its own page.
See everything we do across the United States, or the full map of where we work.
Let's build your pipeline in Vermont.
Book a strategy call and we will show you how the program performs in your region.