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Podcast title Absolute Trust Talk
Website URL https://absolutetrustcounsel.c...
Description Educating at every step. Absolute Trust Talk is not your run of the mill general counsel show filled with legal jargon that doesn’t resonate. Through her 20+ years of practice, Absolute Trust Counsel managing attorney Kirsten Howe found herself working with clients who were confused and overwhelmed by the complexity of estate planning and saw a need to help clients with education and specific client-centered estate planning services. Now Kirsten is taking her expertise and experience to a new level; she is on a mission to bring a thought-provoking and approachable, friendly voice not only to estate planning, but to a wide variety of business and financial wellness topics. Through a series of podcasts, Kirsten will connect with like-minded business professionals and work to coach and encourage listeners to make educated and informed planning decisions. Preparing for the future doesn’t have to be stressful or hard, but it does have to be smart.
Updated Sat, 20 Jul 2019 18:52:07 +0000
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Episodes

1. 028: Finding the Right Home Care Approach (Elder Advocacy Encore Edition)
http://absolutetrusttalk.libsy... download (audio/mpeg, 24.51Mb)

Description:

 

 

Join us for an encore edition of Absolute Trust Talk Episode #028 featuring elder care expert Francesca Vogel of Home Care Assistance.
 
Home Care Assistance and Francesca will be joining us as platinum sponsors of our Elder Advocacy & Law Boot Camp on September 18, 2019.
 

In episode 28 of Absolute Trust Talk, Kirsten welcomes Francesca Vogel, home care liaison for Home Care Assistance, to the show. Francesca works with seniors and their families to help navigate their specific care needs. Francesca is such a valuable asset in her field, not only because of her 24 years of health care experience but her vast knowledge base and her endless network of connections across the state of California and beyond.

Discussing home care and even potential end-of-life care is not an easy subject for people, but it’s something that every family should talk about, so they know and understand their options. Kirsten and Francesca dive into what services a home care assistant provides, who looks for home care, the questions to ask when looking for the right caregiver, the differences between home care and hospice, and why it’s not recommended to hire just a friend or neighbor. Whether you are in the middle of working these issues out with the seniors in your life or are only in the planning stages, this is an episode not to be missed.

Top Three From Episode #028:

Ask questions Use your resources – Google and Yelp reviews, professionals like bankers and attorneys Remember you are never alone

 

FOCUS Your Business and Continue to Provide Innovative Solutions For Critical Elder Care Issues.

We're thrilled to announce to you that we’re bringing a unique educational event to our community this fall called, Elder Advocacy & Law Boot Camp! 
 
Our goal is to build Contra Costa’s most important annual gathering of long-term caregivers, geriatric case managers, social workers, and nursing home administrators to learn about effective tools and resources for urgent matters facing our elders. 
 
This is a one-day educational experience aimed at strengthening your elder care solutions. For more information or to take advantage of our early bird pricing click here
 

Time-stamped Show Notes:

3:24 – What’s happening in someone’s life when they should be thinking about home care?

6:07 – What kinds of services are a professional caregiver hired for?

9:28 – Francesca defines the difference between hospice and home care.

12:10 – Kirsten asks Francesca to discuss who works for and with Home Care Assistance.

20:14 – What do people need to be thinking about when looking for home care assistance?

22:05 – What kind of questions should potential clients ask about how a client care manager works?

23:12 – Why someone should not just hire a friend or neighbor to give home care assistance.

28:55 – When you need to hire home care, do you sign a contract?

35:50 – What do you do when an elderly client is against care?

Episode #028 Freebie:

“We all lose our keys and forget where we put our reading glasses as we get older. It’s normal.”

In this episode of Absolute Trust Talk, home care expert Francesca Vogel highlights how vital it is to educate seniors and their families on their care options and to provide tools to help them age as happily, healthily and comfortably as possible. Family members will see their elder loved ones start to lose their memories and automatically think the worst, but that’s not always the case. As discussed in today’s episode, Francesca is sharing a guide with listeners called How to Spot the Early Signs of Alzheimer’s. It goes through the various things you might be seeing in your loved one and offers a step-by-step guide to help notice the first signs of Alzheimer’s or determine if there might be something else going on. Click here to download your copy now!

Resources/Tools/Links Mentioned in This Episode:

Book Series by Home Care Assistance Founder

Mind Over Gray Matter – Mentioned

https://homecareassistance.com



2. 027: Is Medi-Cal for Me? Long-Term Care for Disabled People Over 65
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Description:

Are you worried that you will end up spending all of your savings on nursing home care? Yes, nursing home care does cost A LOT of money. And a high number of us will eventually be in a nursing home at some point. But it is possible, with proper planning, to become eligible for Medi-Cal if you are not already.

In this episode, we will discuss long-term care for disabled people over 65. We will break down what Medi-Cal is and how it differs from Medicare. We will also talk about how to become eligible and dispel some common myths and misconceptions regarding how Medi-Cal works.

Big Three from Episode #027:

Medi-Cal and Medicare are not the same things A lot of times, people are already eligible It’s important to see what your options are in terms of long-term care insurance

Time-stamped Show Notes:

1:55–What is Medi-Cal?

2:58–This is the difference between Medicare and Medi-Cal

6:56–Here’s how you become eligible for Medi-Cal

8:34–What assets can you have to qualify for Medi-Cal?

13:21–Kirsten highlights a common misconception on exempt assets

16:35–What should you do if you have too much income?

Episode #027 Freebie:

Wonder what type of assets you’re allowed to have to be eligible for Medi-Cal? Click here to download our FREE resource, Medi-Cal Resource Limits for Nursing Home Care–it lists all the exempt assets you can have.

Resources/Tools/Links Mentioned in This Episode:

Helping You With Effective Medi-Cal Planning Strategies

More on Medi-Cal Eligibility Planning



3. 026: Expert Advice on Geriatric Care with Linda Fodrini-Johnson
https://absolutetrustcounsel.c... download (audio/mpeg, 41.54Mb)

Description:

[vc_row][vc_column][vc_column_text]Are you struggling with your aging or taking care of an older loved one? Aging can be overwhelming, but you and your loved ones don’t have to stop living life to the fullest, just because getting older throws you a curveball or presents challenges. If you have the right guidance, direction, navigation, and sound advice from the get-go, you, your family, and your loved ones don’t have to suffer.

In today’s episode, Kirsten welcomes Licensed Family Therapist, certified Professional Care Manager, and founder of Eldercare Services, Linda Fodrini-Johnson, to the show. Linda has become a pioneer in geriatric care management, not just in the greater Bay Area, but across the country, with her firm becoming one of the largest care management and home care agencies, which is now celebrating 30 years of practice.

Kirsten and Linda will explore what geriatric care is, the available resources, and how you and your family can formulate a plan to move forward with long-term care, no matter what stage of planning you and your loved ones are in. Are you ready to continue living a comfortable, fulfilling life? Or, help a loved one who deserves to? Then it’s time to press play and listen in!

Highlights from Episode #026:

Life doesn’t have to end. You can bring joy to your life and continue to live a FULL life if you have good direction and navigation. Don’t be penny-wise and pound-foolish. Get good advice in the beginning.

Time-stamped Show Notes:

3:06 – Linda shares what geriatric care is and the other resources that her company, Eldercare Services, provides.

4:55 – Kirsten asks her to share how she got into eldercare.

6:24 – Linda highlights what an aging lifecare associate is.

11:21 – What are standard areas of knowledge that an individual needs to have, to be in this type of profession?

14:45 – Linda shares what families need to think about when it comes to quality of life for an aging parent.

19:07 – What are some transitions that families have to plan for with long-term care?

27:40 – What happens when a parent transitions into a child’s home?

35:04 – Linda and Kirsten discuss the importance of a trial run.

39:00 – How eldercare services can help a family save money

Episode #026 Freebie: Mom is Moving In – The Rewards, Concerns and Realities

It’s great that you have the opportunity to take care of a family member or loved one, and it may seem like the best option at the moment, but when it comes down to it, have you stopped to think about how it will impact daily living? Today’s guest, and geriatric care expert, Linda Fodrini-Johnson, is sharing with listeners her checklist resource, “Mom Is Moving In – The Rewards, Concerns, and Realities.” This is a valuable tool in helping you to think about and explore important aspects of having a loved one move in. Click here to download your copy.

Resources/Tools/Links Mentioned in This Episode:

Eldercare Services

1808 Tice Valley Blvd

Walnut Creek, CA 94595

info@EldercareAnswers.com

(866) 587-4930

https://eldercareanswers.com[/vc_column_text][/vc_column][/vc_row]



4. 025: The Exploration of Legacy Planning and Charitable Giving with Michael Crvarich of the John Muir Health Foundation
http://absolutetrusttalk.libsy... download (audio/mpeg, 35.77Mb)

Description:

Absolute Trust Talk Host Kirsten Howe brings you a powerful new episode featuring Michael Crvarich, Vice President of Legacy Giving at the John Muir Health Foundation. Michael started his career as a public accountant specializing in high-end financial and estate tax planning at international accounting firms such as Ernst & Young and Arthur Anderson. After eight years he found a new opportunity in the Office of Gift Planning at the University of Washington. Over the last eighteen years, Michael has worked with individuals and families at the University of Washington, University of California, Irvine, and the John Muir Health Foundation to help implement a values-based approach to philanthropy known as Legacy Planning. 

Legacy Planning is a donor-centered approach that recognizes that philanthropic decisions are connected to an individual’s core value system and seeks to integrate the intellectual, emotional, spiritual and physical dimensions of a person with an organization’s core social mission. In this episode, Kirsten and Michael dive into the details behind this gift planning approach, how the landscape has shifted with recent changes in law, and how families can successfully go about becoming involved in charitable giving.

Highlights from Episode #025:

What is your WHY behind your donation? Share it with your family members – it gives them opportunities to share your values and what’s important to you. It can provide a sense of pride and inspiration to others who hear your story and your WHY. Don’t be afraid to ask the charities you support to help you with the process of sharing their history and your reason for supporting them.

Time-stamped Show Notes:

3:28 – Michael highlights the mission of the John Muir Health Foundation

6:37 – Kirsten and Michael discuss how the changes in tax law have had an impact on charity

10:30 – Michael shares what he has seen because of the changes in tax law

17:55 – What is the John Muir Health strategy on growth?

19:09 – Michael shares some of the growth accomplishments built out of the successful partnerships of the John Muir Health Foundation

21:49 – Michael discusses vehicles in which families can get involved in charitable giving

Episode #025 Freebie:

Don’t miss out on the chance to plan, build, and share your legacy planning story. Along with this episode, legacy planning expert and guest Michael Crvarich is offering exclusive access to a few valuable planning tools:

A Workbook on creating a family mission statement – This resource allows you and your family to go through the process of identifying shared vision, values, goals, and purposes. It will then guide you in crafting your mission statement, tagline, or phrase for your family. A variety of E-Booklets that explore the different ways of giving under the new tax law. Visit givehealthjmh.org/Legacy for a look at these and other informative tools. 1-hour consultation – For anyone interested in exploring values-based philanthropy and giving, or to discuss philanthropy in general. Call John Muir Health Foundation at 925-947-4449 or email Michael.Crvarich@givehealthjmh.org and mention the Absolute Trust Talk podcast.

 

Resources/Tools/Links Mentioned in This Episode:

John Muir Health Foundation

 



5. 024: Conservatorships: Powerful Protective Proceedings
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Description:

In a new episode of Absolute Trust Talk, guest, Konstantine “Kosta” Demiris, joins Kirsten to discuss all things conservatorship. Kosta has a wealth of experience in all aspects of litigation. He has tried hundreds of cases involving trust, estate, probate, conservatorship, guardianship, elder abuse and fraud, real property and HOAs, family law, dependency, criminal law, and unlawful detainer matters. 

An experienced practitioner in conservatorship law, Kosta discusses with Kirsten why clients enter into these types of proceedings and why they can be useful in protecting a loved one. They then turn the tables and explain why one should do their homework before pursuing a conservatorship, how they can go wrong, and why one should first try to look for other possible avenues outside of these types of proceedings.

 

Big Three From Episode #024:

Do your homework before you decide to go forward Tread as carefully and lightly as possible Be aware of how serious the proceedings are

 

Time-stamped Show Notes:

3:43 – Kosta defines a conservatorship

7:30 – Kirsten and Kosta discuss the difficulties of a conservatorship

9:34 – Kosta highlights the abuse of power of attorney

11:09 – How a conservatorship can help with abuse of a power of attorney

14:22 – Kosta discusses why a temporary conservatorship may be necessary

20:14 – Who can be a conservator?

21:07 – Kosta describes what it’s like to be in a conservatorship

27:08 – What happens when someone gets appointed to conservator?

33:32 – Kosta discusses what a bond is and when it’s used in a conservatorship

38:20 – Kosta talks about how long a conservatorship can last

39:37 – Is it important to have an attorney when in a conservatorship?

44:36 – Kosta shares examples of why/how conservatorships are difficult and can go wrong

 

For more information on Kosta and his firm, please visit http://demirismoore.com/blog/or  contact Kosta by visiting http://demirismoore.com/contact/.



6. 023: Knowing Alzheimer’s with Family Care Specialist Dori Sproul of the Alzheimer’s Association
http://absolutetrusttalk.libsy... download (audio/mpeg, 37.62Mb)

Description:

Over 5 million people all across our country have Alzheimer’s. The scary part is that many people don’t quite understand the disease and confuse it with other health issues or even normal signs of aging. Kirsten and guest Dori Sproul, family care specialist with the Alzheimer’s Association of Northern California, team up to discuss the disease and to educate listeners on a multitude of topics about this life-changing condition.

Kirsten and Dori begin their discussion defining exactly what Alzheimer’s is and what it does to the body. Dori then goes on to share the importance of her organization and details how the Alzheimer’s Association helps families and individuals impacted by the illness. Dori highlights vital warning signs, how a patient is diagnosed, the advantages of being diagnosed early, and how crucial it is to plan ahead financially if at all possible. One in three seniors who die each year has Alzheimer’s or another dementia. It is the third leading cause of death in the state of California alone. Alzheimer’s is a rapidly growing national health crisis, and the more we all understand, the better. We recommend listening and sharing this episode, because one way or another, this disease touches us all. 

Big Three From Episode #023:

If possible (with early diagnosis), plan ahead with your family. If you notice warning signs, talk to a physician. If you are a caregiver, you are not alone!

Time-Stamped Show Notes:

2:15 – Over 5 million people all across our country have Alzheimer’s. Dori explains what Alzheimer’s is and what it does to the body, and identifies the ways in which Alzheimer’s differs from other dementias.

5:59 – Dori discusses what her organization does and how it helps those who have Alzheimer’s and their families.

11:15 – Dori describes the warning signs of Alzheimer’s and explain how these differ from normal signs of aging.

22:30 – Dori and Kirsten discuss how Alzheimer’s is diagnosed in a patient.

27:35 – Dori identifies the advantages of getting a firm Alzheimer’s diagnosis and of early detection.

30:08 – Dori explains what a mild cognitive impairment diagnosis looks like.

36:30 – Kirsten and Dori discuss the importance of planning ahead financially if possible.

39:55 – Dori describes what families experience when they get in touch with the Alzheimer’s Association.

48:00 – Dori discusses other community resources available to seniors in need.

Episode #023 Freebie: Know the 10 Signs

As mentioned in this episode, signs and symptoms of Alzheimer’s can be confused with normal signs of aging. Regardless, it’s a growing epidemic, and it’s important to be able to understand and recognize key warning signs of the disease. Absolute Trust Talk guest Dori Sproul works hard to educate clients, the community, and all who contact her through the Alzheimer’s Association on tips, tools, strategies, resources, and all aspects of this illness. Today, she is sharing an exclusive tool with listeners called “Know the 10 Signs - Because Early Detection Matters” — a detailed checklist to help you identify the early signs of Alzheimer’s. Click here to download your checklist now!

Resources/Tools/Links Mentioned in This Episode:

TrialMatch – website tool to match with clinical trial

1.800.272.3900 – Alzheimer’s Association Help, Crisis, and Resource Line to address questions or concerns 24 hours a day

ALZ.org – educational content, tools, and resources



7. 022: Estate Organizing 101 with Professional Estate Organizer Meg Connell
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Description:

When a family is grieving the loss of a loved one or an older couple is ready to move on to the next chapter in their lives by downsizing their lot, it can be overwhelming. Where do you start when you have a whole lifetime of stuff?

Professional estate organizer Meg Connell joins Absolute Trust Talk host Kirsten Howe in the studio for an all-new episode to discuss the estate organizing process. With over 20 years of organizing experience, eight years of experience at a Fortune 500 consulting firm, and a degree in interior design and architecture, Meg, along with her team at TheOrganizedOne, brings unique qualifications to the estate distribution process. In this episode, Meg shares what it is that an estate organizer does, the steps that her team goes through, and how she determines what distribution process might be necessary for one family versus another. Meg also discusses how she works with other professionals and outside resources to help fully manage the tangible property items of an estate.

Top Takeaways Episode #022:

1. Plan ahead! Don’t leave your family with a mess.

2. It’s only stuff.

Time-stamped Show Notes:

3:07 – What is an estate organizer?

9:40 – Is there a demand for an estate organizer when the children or heirs are living far away?

13:26 – What is the process an estate organizer goes through when the occupant has passed?

17:40 – Meg describes how an estate organizer bills for the work done.

18:29 – Kirsten and Meg discuss how to determine whether an estate sale is necessary and what the alternatives are.

24:43 – Where do you start when you walk into a home, and it’s packed to the gills with stuff or a hoarding situation?

29:40 – Meg shares some of the most interesting things she has found in a home.

34:45 – Why it’s important to have a plan for personal property

40:01 – How long does an estate organization project take?

Episode #022 Freebie:

Getting estate affairs in order is no easy task, regardless of whether the person is still alive or not. Absolute Trust Talk guest and estate organizing professional Meg Connell is sharing a resource guide exclusively for listeners. This resource guide lists places that can help you with your estate planning and estate organizing – even your estate clean outs. If you don’t know who to talk to or how to get started, this tool is for you and your family. Click here to download your copy now!

Resources/Tools/Links Mentioned in This Episode:

The White Elephant Sale – Oakland Museum

East Bay Depot

 



8. 021: Making Loans to an Irrevocable Trust Is Possible. Here’s How.
http://absolutetrusttalk.libsy... download (audio/mpeg, 20.60Mb)

Description:

Did you know it’s possible to make a loan to an irrevocable trust? Many people don’t know it is, and even though conventional lending firms might say they do it, they don’t truly understand and often force the borrower to take the loan out of the trust – negating the benefit. Jim O’Dea, a broker associate with Redwood Mortgage, a private money lender, has been with Redwood for over 14 years and has over 40 years of commercial real estate experience. Jim has made the irrevocable trust loan transaction a niche of sorts and, at Redwood alone, has originated and closed over $150 million in loans.

In today’s episode, Kirsten and Jim discuss why making loans to irrevocable trusts is such a difficult transaction, why it happens in the first place, how it is completed and why it is such a tremendous opportunity for families to take advantage of. This is an educational episode of Absolute Trust Talk not to be missed. 

Top Takeaway From Episode #021:

This type of loan transaction is a benefit, an opportunity, and an educational experience for many families, and many people don’t know that it’s out there as an option.

Time-stamped Show Notes:

3:11 – Jim discusses why making loans to irrevocable trusts is such a difficult transaction

7:06 – Jim talks about a typical scenario in which clients are referred to him and his business

13:28 – Kirsten asks Jim to give an example of how the loan amount is calculated

24:21 – Kirsten asks Jim to share an example of tax benefits to the family doing the loan to an irrevocable trust

25:38 – Jim shares how he got into this specific loan business

28:40 – Why families often miss this loan opportunity

31:28 – Are there other opportunities to make loans to irrevocable trusts?

33:35 – Could this type of loan transaction take place if there is another type of property, other than the family home?

Episode #021 Freebie: Excel Spreadsheet – Deriving Loan Amounts on Irrevocable Trusts

Didn’t know that making loans to an irrevocable trust was possible, but it is. Absolute Trust Talk guest Jim O’Dea has helped many clients make this difficult loan transaction possible, and he’s ready to help get you started too. Jim has developed a special Excel spreadsheet that lends a hand in determining the potential loan on an irrevocable trust loan. In addition, it serves as a handy checklist, taking into account the many variables that could impact the loan amount. Click here to download your copy of this specially developed spreadsheet.



9. 020: Naturalization: Is the Process Worth It?
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Description:

The thoughts around becoming a naturalized citizen can be, well, daunting. Many wonder if it’s worth the time and effort. Absolute Trust Talk guest and immigration law expert Nadia Yakoob encourages all clients, and those wondering about the process, to take the time and make an effort because the benefits far outweigh taking no action at all.

Nadia has been practicing immigration law for 18 years.  She immigrated to the United States at the age of ten with her family after living in Singapore, Malaysia, the UK, and France. Her personal experiences have shaped her approach to her work and her clients. Nadia joins Kirsten in the studio for a new episode of Absolute Trust Talk to discuss everything about becoming a naturalized citizen: the requirements, the length of the process, details about filing, what the interview is like, even if it’s possible to have dual citizenship. An interesting and informational episode you don’t want to miss.

Top Takeaway from Episode #020:

It may seem like a lot of work, but it’s not as difficult as you may think. The benefits are more than worth it.

Time-Stamped Show Notes:

2:56 – Nadia discusses the advantages of becoming a naturalized citizen

6:15 – Are there disadvantages to going through the naturalization process?

7:58 – Nadia shares the four requirements necessary to become a naturalized citizen

16:25 – Nadia discusses how she helps her clients through the process

20:02 – What does the naturalization interview process look like?

24:25 – This is how much it costs to file for naturalization.

25:29 – Kirsten asks Nadia to share how long the whole process takes

27:38 – Kirsten discusses the importance of naturalization and estate planning

Episode #020 Freebie:

How do you become a naturalized citizen? What are the requirements? What documents do you need? What does the process look like?

There are many advantages for a foreign national to acquire U.S. citizenship through naturalization. While the process might seem daunting – it does require some paperwork, time, and diligence – it’s not as overwhelming as many believe. Immigration law expert Nadia Yakoob is sharing with listeners a unique tool that discusses the benefits of acquiring U.S. citizenship, what the requirements are, what documents are necessary, plus a checklist to ensure you have all the information needed.

Click here to access your free copy!

Resources/Tools/Links Mentioned In This Episode:

USCIS Interview Test Information



10. 019: Finding the Right Home Care Approach
http://absolutetrusttalk.libsy... download (audio/mpeg, 24.12Mb)

Description:

In episode 19 of Absolute Trust Talk, Kirsten welcomes Francesca Vogel, home care liaison for Home Care Assistance, to the show. Francesca works with seniors and their families to help navigate their specific care needs. Francesca is such a valuable asset in her field, not only because of her 24 years of health care experience but her vast knowledge base and her endless network of connections across the state of California and beyond.

Discussing home care and even potential end-of-life care is not an easy subject for people, but it’s something that every family should talk about so they know and understand their options. Kirsten and Francesca dive into what services a home care assistant provides, who looks for home care, the questions to ask when looking for the right caregiver, the differences between home care and hospice, and why it’s not recommended to hire just a friend or neighbor. Whether you are in the middle of working these issues out with the seniors in your life or are only in the planning stages, this is an episode not to be missed.

Top Three From Episode #019:

Ask questions Use your resources – Google and Yelp reviews, professionals like bankers and attorneys Remember you are never alone

Time-stamped Show Notes:

3:24 – What’s happening in someone’s life when they should be thinking about home care?

6:07 – What kinds of services are a professional caregiver hired for?

9:28 – Francesca defines the difference between hospice and home care.

12:10 – Kirsten asks Francesca to discuss who works for and with Home Care Assistance.

20:14 – What do people need to be thinking about when looking for home care assistance?

22:05 – What kind of questions should potential clients ask about how a client care manager works?

23:12 – Why someone should not just hire a friend or neighbor to give home care assistance.

28:55 – When you need to hire home care, do you sign a contract?

35:50 – What do you do when an elderly client is against care?

Episode #019 Freebie:

“We all lose our keys and forget where we put our reading glasses as we get older. It’s normal.”

In this episode of Absolute Trust Talk, home care expert Francesca Vogel highlights how vital it is to educate seniors and their families on their care options and to provide tools to help them age as happily, healthily and comfortably as possible. Family members will see their elder loved ones start to lose their memories and automatically think the worst, but that’s not always the case. As discussed in today’s episode, Francesca is sharing a guide with listeners called How to Spot the Early Signs of Alzheimer’s. It goes through the various things you might be seeing in your loved one and offers a step-by-step guide to help notice the first signs of Alzheimer’s or determine if there might be something else going on. Click here to download your copy now!

Resources/Tools/Links Mentioned in This Episode:

Book Series by Home Care Assistance Founders

Mind Over Gray Matter – Mentioned

https://homecareassistance.com

 

 

 

 

 



11. 018: How Invested Are You? Portfolio Protection You Need to Know About Brokers and Advisors
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes attorney Bob Gonser to the show. Bob’s practice focuses on matters involving disputes between investors and their financial advisors. Bob typically works on a contingent fee basis and has successfully handled hundreds of cases for his clients whose investement accounts have been mismanaged resulting in the loss of irreplaceable assets.

 

Kirsten and Bob discuss many topics surrounding his specialty, beginning with who is most likely to be victimized by financial advisors who do not act in the best interest of their clients.. Bob then shares the different types of situations he sees his clients in and how they decided they were in over their heads and needed legal help. Later Bob weighs in on the do’s and don’t’s when looking to hire an advisor or broker and what you should regularly do to stay on top of your portfolio.

 

Top Take Aways from Episode #018:

Remain aware of your situation Remain involved Don’t be afraid to ask questions Keep your children involved or (if you’re the kids) make sure you stay involved in your parent’s finances so you know how to put all the pieces together

 

Time-stamped Show Notes:

3:02 – Bob shares why senior citizens are the most common group of people he works with in regard to the loss of money in investments

4:20 – Kirsten asks Bob to share how clients come to the ultimate conclusion that they are in enough trouble and they need legal help

5:17 – Why senior citizens should not have volatile investments

8:44 – Bob discusses the different types of situations he sees and the types of advisors responsible for taking advantage of investors

11:08 – What “suitable” means regarding an industry standard for advisor-client relationships

15:00 – Bob defines the difference between the fiduciary and suitable standards in terms of responsibility of advisors to their clients

17:03  – Kirsten asks Bob to share what else he sees advisors doing wrong in his practice

19:56 – This is the most important thing you can do when looking to hire an advisor or broker

24:27 – Bob highlights what an investor should stay on top of when they finally hire an advisor or broker

 

Episode #018 Freebie:

It’s great to have a financial professional to turn to when it comes to making investment decisions, but it’s also important to maintain involvement in your portfolio activity. Absolute Trust Talk guest and attorney Bob Gonser is sharing exclusive access to his portfolio maintenance tool called the Investment Portfolio Check-Up. This questionnaire is designed to help you see any red flags or things you might not recognize in your portfolio. To help ensure the safety of your financial investments we urge you to listen in to this episode and then download the Investment Portfolio Check-Up tool here.

 

Resources/Tools/Links Mentioned in This Episode:

Finra.org – Broker Check

 



12. 017: Disability Income – How To Do It Right and Avoid The Many Pitfalls
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Description:

In episode 17 of Absolute Trust Talk, Kirsten welcomes Kantor & Kantor, LLP partner Michelle Roberts into the studio. Michelle has focused her entire career on helping claimants win disability claims under employer-provided disability plans. She is also a specialist in the act that governs disability benefits provided by employers, known as ERISA, which stands for the Employee Retirement Income Security Act of 1974. In this episode, she highlights the most important tips, tricks, and strategies surrounding all things disability income.

Kirsten and Michelle begin by talking about the different types of disability income. They later discuss common mistakes that people make when filing for disability, and why it’s crucial for someone filing for disability to seek an attorney’s advice. Then Kirsten and Michelle break down the multitude of ways in which claimants can get into trouble when their claim gets denied, limitations that people might not realize about disability policies and what types of disability are covered by private plans.

 

Top Takeaway from Episode #017:

If you do have a denied disability claim, seek legal advice before you move forward – there are too many pitfalls that could cause even more damage.

 

Time-stamped Show Notes:

2:30 – Michelle starts by discussing the different types of disability income benefits that are available

5:40 – Because the focus of the show is on private benefits, Michelle highlights what ERISA is and how it governs disability income benefits

9:47 – Kirsten asks Michelle to share some of the most common mistakes she sees people make when they are trying to get disability from employers

13:20 – Why it’s important for someone filing disability to talk to an attorney before going it alone and getting the process started

18:05 – If a claim initially gets denied, but the appeal gets approved, does the claimant get the full amount they were originally pursuing?

19:50 – Michelle discusses how “pre-existing condition” applies to the disability world

22:00 – Kirsten asks Michelle, “Are there other limitations buried in these policies that people need to know about?”

26:00 – It sounds like an expensive process of pursuing legal help to apply for disability in the right way. Is that a deterrent for people?

27:25 – Michelle discusses what types of policies are covered by private policies

 

Episode #017 Freebie:

Filing for disability might seem straightforward, but what many people don’t realize is that it is much trickier than, “My doctor says I’m injured and can’t work.” Absolute Trust Talk guest and disability expert Michelle Roberts is sharing with listeners a vital planning tool called A Guide to Disability Benefits. This straightforward blueprint lays out the different types of disability benefits and walks you through the steps to pursuing a disability claim not just the right way, but also the smart way. Click here to download your copy of A Guide to Disability Benefits.

 

Resources/Tools/Links Mentioned In This Episode:

Michelle’s Blog – Your ERISA Watch: www.erisawatch.com

Michelle’s Guest Blog Appearance on Absolute Trust Counsel Blog: What’s In Your Medical Records?  The Importance of Doctor’s Notes to Support Long-Term Disability Claims Under ERISA

 

 



13. 016: Behind the Scenes of Financial Planning for a Family With Special Needs
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Description:

In episode 16 of Absolute Trust Talk, Kirsten welcomes Morgan Stanley Senior Portfolio Manager Robert McLalan to the show. Bob has over 35 years of experience in the securities industry and has committed a large part of his practice to helping special needs families. His passion for special needs comes from his own personal experiences as a conservator for his sister, Toni, who was born with Down syndrome.

Throughout the show, Bob shares numerous stories about the types of decisions he had to make in regard to his sister’s care and how he had to take charge, interpret her needs, listen to the specialists and get outside opinions to make the best decisions for her. Later, Bob weighs in on how critical financial planning is for a family and some of the challenges that might arise when managing investments for families with a special needs person.

 

Big Three From Episode #016:

Be cautious Be adversarial, when necessary Be present

 

Time-stamped Show Notes:

2:00 – Robert shares the importance of his background and how it shaped the focus of his practice

15:14 – Robert discusses with Kirsten his key advice – the three B’s

16:30 – Kirsten and Robert highlight why the sibling may not be the best person to take care of a special needs sibling

17:07 – Robert shares how vital an attorney is in making decisions for a special needs child and the family

18:37 – Here’s how to incorporate a sibling into another special needs sibling’s future and life

19:40 – Robert talks about the team who is involved in “protecting” the special needs person

21:10 – Robert shares, from his experience, what types of tough decisions you have to make for a special needs person when you’re in charge

31:09 – Kirsten and Robert discuss how critical financial planning is to a family with special needs

33:10 – Robert shares the steps he takes to get a special needs family financially set up

39:43 – Robert discusses challenges that come up when managing investments for special needs families

 

Episode #016 Freebie: Tool – Planning for Children With Special Needs

Planning for a special needs child is a big job, and those faced with the task often face lots of challenges. For families struggling with such issues, a special needs trust could be the right answer. Absolute Trust Talk guest Robert McLalan is sharing with listeners a thorough resource tool called Planning for Children With Special Needs. This document offers the essential steps, processes, and options when it comes to preparing and executing a special needs trust. To find out if a special needs trust is right for your family, click here to access Planning for Children With Special Needs. 

 

Resources/Tools/Links Mentioned In This Episode:

ABLE Act



14. 015: Kids in the Business: When Personal Estate Planning and Business Succession Planning Collide
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Description:

In episode 15 of Absolute Trust Talk, Kirsten welcomes financial planning and investment professional John O’Dea of Summit Financial Group to the show. John’s focus is the wealth accumulation and protection needs present for individuals who own and operate a business. He has over a decade of experience working to simplify investment, insurance, and succession planning concepts.

Kirsten and John start out by discussing how to begin business succession planning for parents who own a business and want to transition it to their children but may not have planned for it yet. The discussion then dives deep into analysis of each step – valuation of a business, what the parents need to retire comfortably, how to add other professionals into the mix, and how to make the process fair for children who might not work in the family business. 

 

Big Three from Episode #015:

Start with goals and objectives – normal planning goals and processes Solve for what mom and dad need or must get Then indicate key paths to take

 

Time-stamped Show Notes:

2:46 – John jumps right into discussing how he gets started when helping clients transition a business.

6:24 – John shares how vital the EBITDA/MEBITDA calculations factor into cash flow.

8:45 – Kirsten asks John to share what other surprises arise in this planning.

12:12 – What comes after figuring out what the parents must get in order to step away from the business?

16:25 – What happens if there is a gap between what a client wants vs. what value there really is in their business?

18:10 – John discusses how to close a gap ensuring that assets last as long as needed.

28:07 – John shares how to communicate or incorporate transitioning parties.

31:53 – What are the most common conflicts in this process?

38:45 – How exactly do you transition a company to a new generation?

43:09 – John shares a couple of other common surprises uncovered when doing the business transition and succession planning.

 

Episode #015 Freebie: The Retirement Income Challenge

Retirement is something that individuals and couples work their whole lives for. When you stop working, you still need to live – there are still monthly expenditures, but that paycheck disappears. In conjunction with this episode, Absolute Trust Talk guest John O’Dea shares a key tool that he uses in his practice, The Retirement Challenge white paper. This document helps prospective retirees understand some of the challenges they are up against and describes some of the strategies available to address these challenges. Click here to gain exclusive access to your own copy of The Retirement Challenge white paper.

 

Resources/Tools/Links Mentioned in This Episode:

Never Split the Difference: Negotiating as if Your Life Depended on It by Chris Voss and Tahl Raz

 



15. 014: Consumer Debt Today with Jen Lee
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Description:

Absolute Trust Talk welcomes consumer debt law expert Jen Lee into the studio to discuss essential tips, resources, and information people need to know about debt. Creator of workplace financial program Employees Are Assets™ and co-author of Preventing Credit Card Fraud A Complete Guide for Everyone from Merchants to Consumers, Jen focuses her practice on helping individuals and business owners come up with practical legal and financial strategies to deal with debt and credit issues. Kirsten and Jen start their discussion by highlighting how people have more options available to them than just filing for bankruptcy. Jen also highlights common issues she comes across with debt settlement cases. Finally, Jen and Kirsten dive into the numerous myths and misconceptions that plague the consumer debt world.

 

Big Three from Episode #014:

Know your rights Know your options Don’t be embarrassed about your situation

 

Time-stamped Show Notes:

2:04 – Many people don’t know that they have other options available to them – other than filing for bankruptcy.

3:30 – Jen highlights common issues she comes across with debt settlement

5:50 – Embarrassment is the biggest reason for clients not finding out all rights and options

8:45 – Jen shares the most common misconception of why people file bankruptcy

13:05 – Is it true you can’t borrow money for a long time after you’ve declared bankruptcy?

16:30 – What happens when you first meet with a client who needs help with debt?

18:30 – Doing nothing about your debt is for these types of people

22:30 – Jen shares how long the different types of bankruptcy take to navigate

 

Episode #014 Freebie:

Many people are embarrassed about their situations and don’t want to face their failing financial conditions. Absolute Trust Talk guest and consumer debt expert Jen Lee is a strong advocate for making sure everyone knows their rights and their options. To help spread the word, Jen is giving listeners exclusive access to not one, but TWO of her educational bankruptcy videos. Click here to access them now, and see if bankruptcy is an option for you.

 

Resources/Tools/Links Mentioned In This Episode:

Jen Lee Law Youtube Education Library - https://www.youtube.com/channel/UCaqJcOuJBX1AHDZwScrb6SA/

Book: Preventing Credit Card Fraud - https://www.youtube.com/channel/UCaqJcOuJBX1AHDZwScrb6SA/



16. 013: Deciphering International Tax Law with Jenny Lin
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Description:

Absolute Trust Talk welcomes Walnut Creek international tax law expert Jenny Lin to the show. Lin has been practicing tax law since obtaining her juris doctor degree in 2000 from U.C. Berkeley and is one of approximately 400 attorneys certified as a tax specialist by the State Bar of California Board of Legal Specialization.

 

In this episode, Kirsten and Jenny dive into the complexity that is foreign taxes, focusing on the importance of seeking out the proper help when it comes to cross-border tax planning to avoid some of the steep penalties that can come from not filing correctly. Kirsten and Jenny also discuss international estate planning for foreign individuals with U.S. beneficiaries and U.S. individuals with foreign assets. 

 

Big Three From Episode #013:

If you find out you’re noncompliant somehow, seek out international tax attorney help – don’t wait! Evaluate your situation Don’t panic

 

Time-stamped Show Notes:

3:25 – There are lots of forms that need to be filed in regards to having foreign assets and income, but this one by far has the biggest penalty.   

4:10 – Kirsten and Jenny discuss willfulness penalties and what the IRS looks for when looking into someone’s foreign assets.

7:03 – Jenny talks about three compliance programs that allow people to file the proper paperwork and come into compliance.

10:52 – Jenny shares what foreign assets, such as life insurance are treated differently in foreign countries compared to the U.S.  

12:55 – A foreign parent or family member needs to watch out for this when gifting someone in the U.S.

17:12 – What steps should a U.S. citizen with a foreign asset take in terms of the estate planning process?

22:05 – What do spouses – one who is foreign and one who is not – need to think about in terms of future planning?

24:22 – Kirsten and Jenny discuss how one asset might have more than one reporting requirement. 

 

Episode #013 Freebie:

International tax is a very focused area and oftentimes people have a misunderstanding about what the requirements are. We even find that some tax practitioners miss some important conditions as well. Absolute Trust Talk guest Jenny Lin shares eye-opening insights about international taxes in this episode, and now she’s sharing even more. If you find yourself in international tax trouble, or just want to know if you’re keeping up, then Jenny’s list of common IRS forms you need to file and her guide to come into compliance are precisely what you’ve been looking for. Click here to download the Information Return & Compliance Options guide now!



17. 012: Protecting Your Creative Expression – The Nature of Copyright
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes Walnut Creek copyright law expert Kelley Way into the studio. This Walnut Creek native, wanted to practice copyright law since she was in high school, as two of her biggest passions are books and music. She fell in love with copyright law after resolving a case for her first ever client – the copyright holder of a New York Times bestselling fantasy series – and the rest was history.

 

Because copyright law is confusing to many, Kirsten and Kelley dive into a discussion of what intellectual property and creative expression actually mean and what makes them worthy of protection. Kelley highlights the different types of intellectual property and how long they last, and she later weighs in on how it can affect future generations.

 

Take Away From Episode #012:

 

If an intellectual property asset will affect future generations, make sure they know what to look forward to and make sure they understand how to deal with their finances in a smart way.

 

Time-stamped Show Notes:

2:00 – What is intellectual property?

2:45 – How do you register to protect your intellectual property?

5:50 – Kelley discusses what kinds of assets are protected by copyright and what makes them worthy of registration

8:35 – If you have a copyright, what kind of protection do you get? (Hint: There is more than one type of protection, depending on the work)

12:45 – How long does a copyright last?

14:09 – Kirsten and Kelley discuss how and why creators can take back the right to their works and get a second chance at making their content a lucrative business deal

16:30 – Can heirs enforce certain rights when it comes to a copyright?

20:00 – What happens when someone inherits a copyright asset?

 

Episode #012 Freebie: What Is Intellectual Property? A Guide to Copyrights, Trademarks, and Patents

 

What many people don’t realize is that there is, in fact, an overlap between copyrights, trademarks, and estate planning – what they don’t quite understand is the “why” or the “how.” The key to bringing it all together is the background information, what each piece of copyright protection is for, how and why copyright protection works, and how your future and future generations can be affected if proper care is not taken. Absolute Trust Talk guest and copyright law expert Kelley Way shares exclusive access to her in-depth article, “What Is Intellectual Property? A Guide to Copyrights, Trademarks and Patents.” Kelley breaks down what each area of intellectual property and how all of these practice areas tie together, in an easy-to-consume, no-nonsense way. To brush up on your understanding of copyrights, trademarks and patents, click here to read Kelley’s article!



18. 011: What’s Up With Real Estate in the San Francisco Bay Area?
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Description:

In episode eleven of Absolute Trust Talk, Kirsten welcomes award-winning Remax Accord Real Estate Broker Mark Shaw into the studio. Mark has been serving Contra Costa and Alameda Counties for more than 19 years and, even though he spent some time as a teacher, you could say his career started back in the 60’s & 70’s when he was helping his father pass out flyers and set up open house signs.

Mark is well-versed in the San Francisco Bay Area real estate market, and Kirsten wastes no time digging in. During this podcast, Mark and Kirsten discuss why buying and selling in the Bay Area is so unusual right now and how the cash purchase of a home is influencing the marketplace.

Later, Mark weighs in on some surprising statistics and trends that are influencing aspects of the local market, and also, shares some advice to sellers on some essential tasks that need to be done before putting your home on the market. Download this resource here! 

 

Big Three From Episode #011:

What the clients are thinking:

Can I trust you? Are you good at what you do? Do you care about my needs and me?

 

Time-stamped Show Notes:

2:00 – What is making the San Francisco Bay Area real estate market so high? Can a seller name their price?

3:12 – The average buyer spends this much time searching for homes before they contact a realtor.

3:40 – Does the amount of cash buyers have to spend on housing distort the market?

6:15 – Why the number of years people are staying in their homes (not moving) is increasing.

8:30 – What are the main reasons people move?

11:40 – How is the buyer’s market trending?

16:42 – This is a huge determining factor in real estate sales.

22:11 – In the current market. what do sellers have to do to get their house sold?

26:14 – It might seem all dollars and cents, but home buying has much more to do with this.

 

Episode #011 Freebie: 13 Top Tips for Home Maintenance and Safety

Taking care of a property can be a lot of work, and some maintenance issues will obviously take priority over others. However, when it comes to your home’s safety, there are easy, low-cost, DIY projects we neglect because they are either not at the top of the list or not top of mind. Absolute Trust Talk guest Mark Shaw has generously offered to share his resource “13 Top Tips for Home Maintenance and Safety” to ATT’s audience. Shaw created this resource to be a tool to simplify target issues and help you focus on simple, common-sense tasks to keep your home safe. He has broken these projects down so they are easy to commit to doing one or two per month to maintain a safe home environment.



19. 010: Thinking Outside the Family – Special Needs Trusts & Professional Fiduciaries
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes Herb Thomas, founder and principal fiduciary of Herb Thomas and Associates. Herb has a big passion for people, which is shown through his extensive experience serving families throughout California with special needs trusts, public benefits counseling and advocacy, trust/estate administration, and conservatorships. He is also a board member of the Behavioral Intervention Association, which is a nonprofit dedicated to providing intervention services to children diagnosed with autism and their families.

During his conversation with Kirsten, Herb touches on what a professional fiduciary is and what makes the job right for someone who has “experienced a little bit of life.” He addresses why it’s essential for a family to look outside immediate members to a resource such as a professional fiduciary. He also provides actionable guidelines and tips for planning around the proper execution of a Special Needs Trust – everything from organization to the rest of the team involved.

Herb later weighs in on the biggest responsibilities expected of a special needs trustee and how to get started with a licensed professional fiduciary.

 

Big Three From Episode #010:

Choose a trustee wisely – they are the main ingredient of a successful trust. Have a financial plan set up before you start. Choose the rest of the team wisely.

 

Time-stamped Show Notes

2:25 – What does it mean to be a licensed professional fiduciary?

4:22 – A professional fiduciary can serve in these various roles.

9:30 – What challenges are faced when administering a special needs trust?

12:41 – Here is why special needs trusts are important – the benefits, and why it’s needed.

15:08 – Here is why you should consider using a professional fiduciary.

24:50 – What is the process to hire a professional fiduciary? How do we find you?

25:47 – Herb discusses who he works with on the trust administration, other than just the beneficiary.

29:40 – Herb highlights the most significant responsibilities of a Special Needs Trustee – consider this when you are deciding whom to choose for your trustee.

 

Episode #010 Freebie: Special Needs Trust Tools – “Trustee Can Purchase” + What to Ask When Hiring a Professional Fiduciary

Assets are important to everyone, whether you have the resources or not. In the case of a special needs trust, the job of a licensed professional fiduciary or trustee is to help protect those assets for as long as possible and to use them solely for the benefit of the beneficiary. It’s vital, going into this process, to have goals to help you achieve what needs to be done for the recipient. To accompany this episode of Absolute Trust Talk, guest Herb Thomas put together a couple of tools to help you get started. “Trustee Can Purchase” is a guide to help the trustee understand what can be purchased for the benefit of the beneficiary. In addition, Herb provided a list of interview questions to ask when you are hiring a professional fiduciary. Above all else, you want to make sure the beneficiary is taken care of adequately and that their needs are met for the rest of their life.

Download these free tools here!

 

Resources/Tools/Links Mentioned In This Episode:

PFAC – https://pfac-pro.org

Professional Fiduciary Bureau of California – http://fiduciary.ca.gov

HerbThomas.com



20. 009: See Something, Say Something - Elder Abuse
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes trust and estate litigator Denise E. Chambliss from Tri-Valley law firm Hoge, Fenton.

During their discussion, Denise and Kirsten hone in on the specifics of trust and estate litigation with an emphasis on elder abuse and undue influence. Kirsten highlights that elder abuse is an epidemic, it’s happening everywhere, and it’s often happening right under our noses. In response, Denise defines, characterizes, and zeros in on how best to defend those abused and how to prevent it from happening in the first place.

Top Three from Episode #009:

If you suspect something in regard to elder abuse, say something. It’s not just happening with family members. Elder abuse is a crime.

Time-stamped Show Notes:

3:00 – Denise defines and characterizes elder abuse

6:23 – How does undue influence fit in?

7:55 – Elder abuse is considered these two types of crimes

8:45 – Family members aren’t the only ones who abuse the elderly

11:30 – How hard is it to prove elder abuse in court?

12:17 – How does decision making factor into a case?

14:00 – How does a No Contest Clause fit into the elder abuse arena?

16:07 – What would make a No Contest Clause more effective?

17:12 – How to avoid litigation

21:15 – Denise shares what other areas elder abuse can crop up in

 

Episode #009 Freebie: Discussion About the Dreaded No Contest Clause

Denise works hard as a trust and estate litigator to help protect and defend those who might not understand what’s happening to them anymore but also to educate and protect the trustees, executors, and beneficiaries who are involved. A big part of that is speaking out and educating others on the myriad of ever-changing laws in this field. One that has an impact on the issue of elder abuse is the No Contest Clause. It is an intriguing element to many people, yet they don’t know how to navigate it in order to use it to their best advantage. In a recent article authored by Denise, she details the history of and changes to the law, what became of the“Safe Harbor” provisions, and the best practices for an enforceable No Contest Clause combined with a disinheritance. This is essential information everyone should know when it comes to effective estate planning, and Denise is giving you exclusive access! Click here to download the discussion!

 



21. 008: Financial Planning for Families with Special Needs Individuals
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes special needs financial planning expert Jon Elfin into the studio. Jon has over 35 years of experience in the financial services industry and focuses on processes and expertise to help clients understand their options and more importantly take action when it comes to building and preserving wealth for families with special needs dependents.

Jon and Kirsten break down what exactly special needs planning encompasses and discuss the processes that Jon goes through with each of his clients. More importantly, Jon discusses a few of the biggest mistakes he sees when clients come into his practice and also highlights effective strategies that a special needs family can take now in securing the future of their dependents. As Jon is also a parent of a special needs child, throughout the interview he weaves in topics of transitional life experience from his own personal perspective.

Big Three From Episode #008:

Start early Don’t be overwhelmed Utilize your resources!

 

Time-stamped Show Notes:

1:50 – What exactly is Special Needs Planning?

2:48 – How Jon got into Special Needs Planning

4:00 – The complexities of Special Needs Planning

7:00 – Jon highlights common mistakes he’s come across in his practice when working with clients

8:05 – Jon and Kirsten discuss a few of the biggest benefits/acronyms that people miss

10:42 – Kirsten discusses Special Needs Planning from the estate planning point of view and a special provision that should be put in all estate plans

11:37 – Jon addresses why ages 18 and 22 are important ages for special needs people

13:30 – Jon defines “transition class” and its extreme importance

15:35 – What a regional center is and how it helps special needs families plan the next step.

16:20 – Don’t leave all the money for a special needs family member to a sibling!

20:14 – A special needs person can save money in these accounts too – Big win for the disability community

25:15 – The other important strategy for special needs individuals according to Jon is life insurance 

Episode #008 Freebie:

No matter where you are in your journey as a special needs family know that there are things that can be done to help build and protect the future of your special needs dependent. During this episode, Jon mentioned a few of the common mistakes well-intentioned special needs families make. To help educate listeners on what to look for he outlined and is exclusively sharing with us a few more! In addition, Jon is also offering a FREE 90-minute consultation. So if you’re a special needs parent or caretaker who is worried or doesn’t know where to start, call Jon. He will cover all of the basics and see if he can be of further service in making your special needs life transitions go as smoothly as possible.

 

Resources/Tools/Links mentioned in this episode:

Special Olympics

Sunflower Hill

Disability benefits 101 - https://ca.db101.org/



22. 007: Divorce: Prenup, Postnup and Everything in Between
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes Walnut Creek family attorney Ariel Brownell Lee into the studio. 

During her conversation with Kirsten, Ariel touches on all aspects of a prenuptial agreement. While discussing the pros and cons, Ariel reveals just how much a prenup can, and can’t, protect. Kirsten and Ariel explore the overlap between estate planning and divorce by examining community property, characterization of assets, and the protection a postnup can offer married couples years into their marriage.

Later, Ariel weighs in on what couples heading for divorce should think about and offers actionable tips and tools.

Big Three From Episode # 007:

Have the uncomfortable conversations with your spouse Plan ahead, even if it seems like something you don’t need to think about, you do. Always seek counsel. Don’t try and do the work on your own. It’s more efficient to do it right the first time than to hire someone to clean up your mistakes.

Time-stamped Show Notes

2:55 – What kinds of couples need a prenuptial agreement?

3:50 – Ariel talks about the pros of a prenup

4:20 – Ariel talks about the cons of a prenup

5:30 – Ariel and Kirsten discuss what a prenup protects

6:15 – Spousal support gets tricky here – don’t think you need it, but do you?

8:09 – Ariel highlights the things a prenup doesn’t protect

9:09 – Kirsten talks about community property, the magic number 8 and post nuptial agreements

10:59 – What’s the difference between prenups and postnups?

12:02 – How to ensure your prenup is enforceable – hint: the answer isn’t online.

14:30 – Ariel roadmaps what a divorce looks like with a prenup and without a prenup

19:00 – What should couples think about when they are heading for divorce?

24:06 – What does child custody look like in divorce?

27:54 – What are other custody disputes?

33:13 – Ariel talks ladies in law

Episode # 007 Freebie:

Heading for divorce is an emotional time and getting your head in the game is not always the easiest. Your judgment is probably clouded whether or not the separation is mutual. If you are heading down this road, it’s time to get started and get ahead of the game. Family lawyer and Absolute Trust Talk guest Ariel Brownell Lee has put together a free pre-divorce checklist and roadmap. These take a bit of guesswork out of your future. From issues to consider, to documents to gather, Ariel provides and a broad overview of what to expect from filing to judgment. Ariel hopes these tools will bring a little bit of support and a little bit of certainty to you about starting the process. 

Resources/Tools/Links Mentioned in this Episode:

A Seat at the Table: http://cwlseatatthetable.blogspot.com



23. 006: Financial Planning: It Isn’t All About The Money
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Description:

In this episode of Absolute Trust Talk, Kirsten welcomes Walnut Creek Financial Planner Ora Citron into the studio. For Ora, financial planning is a way to make a difference for individuals in our community, directly and meaningfully, by taking responsibility for helping clients create a path to the future based on their personal goals.

During her discussion with Kirsten, Ora shares with listeners what financial planning really is, and hint, it’s not all about the money. Ora highlights that for a majority of her clients, financial planning makes a huge difference by relieving stress and creating clarity. Financial planners can bring new and different resources to the table. Ora and Kirsten also discuss the biggest misconceptions in financial planning, and Ora weighs in on complex and often misunderstood topics like social security and long-term care.

Later, Ora also shares that a large part of her focus, and a subspecialty of her firm, is working with women in transition. Whether it’s retirement, divorce, or widowhood, it’s important to educate women, relieving stress and creating clarity in very emotionally difficult times.

Big Three From Episode #06:

Financial Planners bring new ideas to the table, things you have never even heard about. It’s not solely about the money Don’t leave your future to guesswork!

 

Time-stamped Show Notes: 

2:36 – The Basics: What do financial planners do?

3:45 – What difference does financial planning make for a client?

4:40 – Retirement isn’t the only goal that a financial planner can help someone achieve

5:39 – Medicare, people know about it, but they don’t know these facts

6:35 – Why can’t someone just do it on his or her own? There is Google, right?

8:40 – Ora discusses the one piece of financial planning that is most critical to a financial planner’s success with clients

15:33 – Ora highlights a subspecialty of her practice – working with women in transition

16:44 – What’s makes working with women clientele different?

18:20 – Social Security planning is something that should not be dismissed. Here’s why…

26:14 – Ora discusses her approach to long-term care in financial planning

29:04 – Isn’t long-term care planning just for the wealthy?

30:52– Ora highlights the biggest misconceptions that she see’s with clients and in general

 

Episode #006 Freebie: Risk Tolerance Assessment

You’ve found a good financial planner, someone, you’re comfortable working with, but that’s only half the battle. You want to feel comfortable with what they are doing for you and your money. A crucial piece of successful financial planning is risk analysis because it defines the risk you’re willing to take with your money. Walnut Creek financial planner Ora Citron swears by one tool that she uses with her clients, Riskalyze. Riskalyze is an online questionnaire with practical questions to assess how comfortable you are with taking risks. It makes you think about what you would realistically do, how content you are with that and what adjustments need to be made in your financial plan, so you meet all of your goals. Ora is offering Absolute Trust Talk listeners exclusive access to this questionnaire so that you too can see where your risk tolerance lies. 

Resources/Tools/Links mentioned in this episode:

The Undoing Project by Michael Lewis

 



24. 005: How to Help Your Children Own a Home the Right Way with Denae Budde
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In this episode, Kirsten talks to Denae Budde, managing shareholder of Budde Law Group, a niche practice that focuses in on handling either transactions or litigation in the real estate and business.

 

During her conversation with Kirsten, Denae discusses the rising trend of parent/child real estate transactions. Denae highlights some of the unique things that parents are doing to ensure their children are living in the home or area they want. Denae addresses some of the challenges and roadblocks that face these types of deals and offers effective strategies that can be used to make intrafamily real estate transactions more successful.

 

Top Two From Episode # 005:

See your attorney before any decisions are made Communicate with your family members and loved ones – those the transaction could affect 

Time-stamped Show Notes:

2:04 – Kirsten and Denae discuss techniques regarding parent/child real estate transactions

3:50 – Denae shares the most challenging real estate transaction – house swapping – and highlights roadblocks of this type of deal

6:15 – Denae offers parents a reasonable alternative option to help parents help their children

6:55 – Kirsten and Denae discuss children purchasing the home that the parents are living in

7:40 – The best way to make this deal favorable if there is more than one child in the family

8:28 – Kirsten and Denae discuss the importance of family harmony and communication to aid in the smooth sailing of these types of deals

11:15 – Denae highlights an important point – make sure your landlord actually owns the property you are about to rent

13:19 – Kirsten and Denae discuss challenges surrounding commercial leases

15:40 – Denae gives advice of protection to those who own rental properties that are investment properties and not intrafamily rentals

17:56 – Kirsten and Denae discuss an LLC versus a Corporation

24:40 – Denae’s parting wisdom on business deals

Episode # 005 Freebie:

As a parent you’ll do anything for your child, but how far would you go to make sure your child has the type of home they want or is living in the location they want to be in? Many people jump in not wanting to spend the extra money on the front end to protect their transactions and make sure that no surprises arise. Absolute Trust Talk guest Denae Budde recommends talking to an attorney first and to remember that the upfront costs will save you more on the back end. Denae offers listeners this exclusive tool “Consider This – A Brief Guide to Owning and Renting Property,” that takes you through the considerations, questions like “How should we own our rental property?” and “What’s involved in setting up an LLC?” The guide lays out clear actionable steps and what you have to pull together to get started. In addition, she talks about things to consider when you’re thinking about leasing a property. 



25. 004: Hey, Life Transitions are Normal. Here’s How to Cope With Them.
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In this episode of Absolute Trust Talk, Kirsten welcomes Certified Financial Transitionist® Gary Gardner into the studio. As part of the first graduating class of the Financial Transitionist Institute (a division of the Sudden Money Institute) Gary was drawn to the process that uses the “touchy, feely side of the brain,” as he likes to say – guiding clients through the transitions in life on a much higher emotional level.

 

Gary and Kirsten discuss the unique niche of the financial planning world that is financial transition. Gary highlights the importance of human relationship in this planning process and reveals that it is truly the why behind the what that drives people to cope and move through life transitions in various ways that he has observed over the years. Most importantly, Gary reveals that life transitions, whether the death of a loved one, retirement, a job change, etc., are NORMAL and it’s okay to ask for help to work through them on your own time and on your own terms.

 

Big Three From Episode # 004:

Transition, life changes, it’s NORMAL Take a break, taking your time is OKAY You’re not alone

 

Time-stamped Show Notes

2:16 – Gary talks about how his approach to financial planning is different from the norm and his evolution into a Certified Financial Transitionist®

3:45 – Implementation in a person’s life much more relevant with this type of coaching

8:09 – Gary shares research into the life transitions a widow goes through with the death of a spouse

10:24 – The spectrum of handling a huge life stressor

14:00 – Gary shares how his specialized approach helps move these transitions along for clients

17:27 – Gary discusses what happens during the first meeting with clients

20:14 – Gary’s number one question he asks his clients –What’s on your mind?

24:11 – Kirsten discusses the estate planning side of the process when working with recently widowed, grieving clients

25:26 – Gary recommends this mindset when approaching transition

27:50 – Gary breaks down the meaning behind DFZ – his resource tool

40:00 – How do you think about your own preparations for death?

Episode # 004 Freebie:

“The next time you find yourself wading through the quick sand I hope you’ll pull up the Decision Free Zone.” – Gary Gardner(CeFT)

No matter which life transition you’re in: whether it be the grieving over the death of a loved one, retirement, significant job change or if you’re just at a point in life where you just don’t know what to do, stop. Take a minute, breath, and pull up this tool. Dump your brain into the Now, Soon, and Later – no matter how silly or minute that thing in your brain might be – and get yourself to a point where you say okay, I can move forward from here.

 

Resources/Tools/Links Mentioned in this Episode:

Dick Wagner: Financial Planning 3.0: Evolving Our Relationships with Money

David Allen – Getting Things Done

Sudden Money Institute – Susan Bradley

Life&Wealth Advisors

 



26. 003: Outside Looking In – Why Professional Fiduciaries Can Be A Better Choice
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Walnut Creek professional fiduciary dynamo Karen Fisher joins Kirsten in the studio for episode #003 of Absolute Trust Talk.

 

Kirsten highlights how many people just don’t know what a professional fiduciary is or that having someone outside the family to administer trusts and estates is even an option. Karen discusses the vast range of services that she offers, the processes that she goes through with clients and how one becomes a professional fiduciary. Karen also weighs in on the enormous benefits that come from having a professional fiduciary.

 

Big Three From Episode #003:

A professional fiduciary provides a number of services to clients when they are unable to do so for themselves A professional fiduciary helps avoid conflict, cuts back on legal costs, and, is tax deductible! A professional fiduciary provides peace of mind, things will get done smoothly, timely and right.

 

Time-stamped show notes:

 

3:20 – Many people don’t know what a professional fiduciary is, so, what is it? How can it help me with my estate, retirement or trust needs?

6:25 – Why not to name children or siblings as trustees

9:16 – Karen talks about the biggest complaint from a beneficiary

9:50 – Karen talks about the process of becoming a professional fiduciary

11:07 – Karen discusses how she maintains interaction and relationships with clients on a trust that is expected to last for many years

13:00 – How is a professional fiduciary a resource to special needs clients

13:51 – My legal fees go down if I use a professional? Yes! Here’s why…

17:15 – How a fiduciary sees the estate process

 

Episode # 03 Freebie:

Many people think that once they sign their estate documents and file them away, the job is done. That’s not necessarily true. As host Kirsten Howe likes to say, “The more bread crumbs you leave behind, the better.” What she means is the more you prepare your trustee and other decision makers to successfully implement your estate plan the better. There are always additional steps and more

to be done which can be overwhelming even in the best of circumstances. Whether you have a professional fiduciary or not Absolute Trust Talk guest Karen Fisher has the cheat sheet of all cheat sheets to help you and your loved ones prepare. And believe us when we say, they will love you even more for the extra steps and preparation.  



27. 002: Financial Planning: The Pieces & The Big Picture
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In this episode of “Absolute Trust Talk,” Kirsten talks to Geoff Zimmerman, Certified Financial Planner, Senior Advisor, and Chief Compliance Officer for Mosaic Financial Partners, Inc. Geoff is one of the San Francisco Bay Area’s most seasoned practitioners and concentrates on assisting both working and retired individuals and couples at the executive level prepare for major life transitions.

 

During their discussion, Geoff reveals his relatable anecdotes that describe the importance of why the individual pieces of one's finances should be integrated into a master plan. He shares real-life examples, observations and insights from his specialized life transition focus providing listeners with actionable tips and tools to help them understand how each element when properly coordinated works together to avoid adverse interactions.

 

Big Three From Episode # 002:

Individual planning parts might seem good, but how do they all work together? Life transitions have SEVERAL moving parts, find an advisor that will ask the right questions and who will ask A LOT of questions Look at the BIG picture

 

Time stamped show notes:

2:45 – Thanksgiving dinner anecdote paints picture on the integration of financial planning

4:49 – Kirsten asks Geoff to highlight examples of financial planning pieces that need to be considered in context of overall financial plan

5:10– Geoff talks real life example of setting up 529 plans

5:50 – Big picture, Geoff recommends asking these four questions when considering a 529

8:00 – Did you know that the 529 plan distributions may count as income for the student under certain conditions?

8:45 – Geoff discusses what moving parts need to be considered when a client is changing jobs

10:00 – When there’s a job transition there are benefit changes, retirement plan changes, accelerated expiration dates on stock options, moves to another state – tax implications

11:00 – Geoff mentions interesting life insurance observation that speaks to his life transition expertise

11:40 – Executive compensation, what restrictions are you up against when you leave a company?

13:40 – Geoff reveals his musical analogy for financial planning

16:50 – Geoff discusses and gives access to special tools just for listeners

21:25 – How estate planning affects the big picture

25:00 – How the new tax laws affect charitable gifts

26:55 – Geoff breaks down above the bar and below the bar deductions

30:05 – Geoff breaks down the different types of compensation professionals get and how that affects the big financial plan picture

37:25 – The one thing people can do to help improve financial life

 

Episode # 002 Freebie:

If you’re a busy, smart, successful person who needs help defining your goals, finding out the why behind your what, and the balance in your life, Geoff is giving us exclusive access to two of the worksheets he uses with his own clients. The Wheel of Life and Financial Satisfaction are intuitive worksheets to help gain clarity and pinpoint the areas in life that you feel confident in and those that need more of a prioritized focus moving forward. Click here to get your copy!

 

Resources/Tools/Links mentioned in this episode:

Mosaic Financial Partners, Inc.

East Bay Regional Parks Foundation

East Bay Regional Parks Estate Planning Seminars

 

 

 

 

 



28. 001: The Ultimate GPS to Money in Your Relationship
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Description:

In this episode of “Absolute Trust Talk,” Kirsten talks to Maureen Richardson, Certified Financial Planner and sole practitioner at Richardson Elite Financial Strategies. Richardson is also Amazon bestselling author of “‘Til Money Do Us Part: Financial Planning for Couples.” 

The topic of conversation is, of course, financial planning, but not just any financial planning, the focus here is on couples. Maureen highlights how money is not necessarily the root of the problem and addresses the missed or overwhelming signs that a partner ignores and the reluctance that couples have to sitting down and laying ALL their cards out on the table.

Maureen shares how her book was born out of the real-life personal experience of being married to a financially irresponsible spouse, and even though she was financially savvy as a person in finance, it destroyed her marriage and her life. Richardson shares how to get the ball rolling when it comes to planning and also weighs in on what to do if you're already married and in a financial bind.

Big Three From Episode # 01:

It’s not about the MONEY itself Leave no skeletons in the closet, talk about EVERYTHING in your financial history Get organized, make a plan

 

Time stamped show notes:

3:32 – It’s not about the money it’s about the values – Money is the symptom

4:35 – Who cares if you’re in finance! What’s going on at home?

6:20 – Maureen talks about the why behind her book, “Till Money Do Us Part”

8:45 – The topics that couples overlook when they are heading to the alter

9:32 – The top two things couples should disclose during the financial discussion

11:45 – Did you know poor credit = this?

13:10 – Now that everything’s out on the table, what do we do next?

15:37 – How are you protected? Maureen had three people discover this about not having the proper insurance when needed.

16:45 – Do this now!

17:25 – What if you’re already married and in trouble?

18:22 – The number one thing you need to track to get out of trouble.

 

Episode # 01 Freebie:

When you think about planning for marriage what comes to mind? Planning a big wedding, going on your honeymoon, finding a place to live, building a family… the list goes on. But, when it comes down to it, finances are behind it all, right? There’s no magic fairy dust, no magic eraser, your financial history follows you right to the altar. Did you sit down with your partner and hash out the details? Did you reveal debt, your taxes, your insurance even? If you don’t talk about it before you tie the knot, when will you? When you’re in line to see the divorce lawyer? In “ ’Til Money Do Us Part” Maureen Richardson breaks it all down and walks you through a productive and healthy discussion of money. Money is difficult to talk about, which is the reason why money is the leading cause of marital problems and divorce. People seem to think that by ignoring money, it will somehow work itself out. It doesn’t. You don’t need to be a financial genius. You don’t need to have a ton of money. You just need to be smart, know the warning signs and address them before it’s too late. “’Till Money Do Us Part” is simple, relevant and straight to the point, and we’ve got a special excerpt just for you. Click here to download your free chapter and if that leaves you wanting MORE get this bestseller on Amazon now! https://www.amazon.com/dp/162865032X/ref=cm_sw_su_dp

Resources/Tools/Links mentioned in this episode:

'Til Money Do Us Part: Financial Planning for Couples

Visit Maureen’s Facebook Page, https://www.facebook.com/TilMoneyDoUsPart/ to keep up with the latest resources and articles all about managing finances in a relationship.

Use Quicken to track every single expense for your spending plan!

Ask Amy



29. 000: Launching the Absolute Trust Talk Podcast with Kirsten Howe
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Welcome to the Thought-Provoking Absolute Trust Talk Podcast with Kirsten Howe, officially launching April 16, 2018.

Estate Planning, Business, and Financial Wellness -- Preparing for the Future Type of Talk Whenever and Wherever You Want It or Need It Most

Absolute Trust Talk brings you the best tips, tactics, stories, and strategies that help you to make educated and informed planning decisions for your future. Each episode delivers relatable, easy-to-consume advice on vital aspects of the ever-evolving legal landscape that makes up the estate planning and financial wellness industry.  

Educating at every step. Absolute Trust Talk is not your run of the mill general counsel show filled with legal jargon that doesn’t resonate. Through her 20+ years of practice, Absolute Trust Counsel managing attorney Kirsten Howe found herself working with clients who were confused and overwhelmed by the complexity of estate planning and saw a need to help clients with education and specific client-centered estate planning services. Now Kirsten is taking her expertise and experience to a new level; she is on a mission to bring a thought-provoking and approachable, friendly voice not only to estate planning, but to a wide variety of business and financial wellness topics. Through a series of podcasts, Kirsten will connect with like-minded business professionals and work to coach and encourage listeners to make educated and informed planning decisions. Preparing for the future doesn’t have to be stressful or hard, but it does have to be smart.