The first paychecks of 2018 have been dispatched but it may be weeks or months before taxpayers know how the new U.S. tax laws will affect their take-home pay.

To be frank, there’s a lot of confusion and fear going on. Many people are upset about the new law and worried it will adversely affect their financial outlook.

We’ve decided to tackle this issue head-on with Rick Kollauf**,** Vice President and Director of Business Advisory for BMO Private Bank. Rick specializes in providing customized succession and estate planning solutions to high net worth individuals and families as part of an overall personal wealth management strategy.

He has over 31 years of experience in the financial services industry.