Podcasts about beneficiaries

New non-financial sanctions are being added to the traffic light system from today for those on the job seeker benefit. 

Beneficiaries who fail to meet their obligations could have half their payment restricted to essentials-only for a month or do community work at least five hours a week. Beneficiaries advocate Kay Brereton spoke to Corin Dann.

New sanctions marking the next phase of the government's Traffic Light welfare system, mean beneficiaries who fail to meet their obligations can have half their benefits restricted to being spent on essentials-only for a month. Labour social development spokesperson Willie Jackson spoke to Corin Dann.

Stephen and Zac discuss the innovative intersection of Bitcoin and life insurance. They explore how Bitcoin can disrupt traditional life insurance markets, the recent funding successes of Meanwhile, and the unique benefits of Bitcoin-denominated policies. The conversation dives into the mechanics of these policies, the yield generation strategies employed by Meanwhile, and the tax advantages that make them appealing to customers. The episode concludes with insights into the customer experience and the future of Bitcoin in the insurance industry. Takeaways

In the final installment of our 3-part estate planning series, we dive into one of the most overlooked—but critically important—aspects of planning: protecting your heirs' inheritance. It's not enough to simply leave assets to your loved ones. Without proper planning, those assets could be exposed to divorce, lawsuits, creditors, or mismanagement. We'll explore how using trusts can provide long-term protection and flexibility, and why leaving assets outright may be a costly mistake. You'll learn how to: Safeguard inheritances from a beneficiary's divorce or personal liabilities Provide for special needs or disabled heirs without jeopardizing government benefits Handle contingency planning, including what happens if a beneficiary predeceases you Protect minor children using trusts instead of relying on court-supervised guardianships We also highlight common mistakes—like failing to update your estate plan after major life events—and share practical steps to avoid them. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

A group of 49 Afrikaner "refugees" has arrived at Dulles International Airport just outside Washington D.C. to a warm welcome from senior officials of the U.S. Departments of State and Homeland Security. The group of white South Africans departed Johannesburg overnight and arrived in the United States via Dakar Senegal. They are the first beneficiaries of U.S. refugee status after President Donald Trump signed an Executive Order in February seeking to address so called "Egregious actions of the Republic of South Africa". Sherwin Bryce-Pease reports ....

Jim and Chris respond to listener emails on Social Security record accuracy, IRMAA repayment options, naming a Trust as an IRA beneficiary, and the Roth 5-year Rule. (12:00) Georgette shares five important Social Security lessons from her family's experience, prompting a PSA-style discussion on earnings record errors, divorce and remarriage rules, survivor benefit delays, and […] The post Social Security, IRMAA, IRA Beneficiary, and the Roth 5-Year Rule: Q&A #2519 appeared first on The Retirement and IRA Show.

Professor Terrence Deacon & Professor Michael Levin have both shaped the fields of developmental evolutionary biology, cognitive science, and so much more. In this episode of Mind-Body Solution, these distinguished giants come together in conversation for the very first time: "A Biology Revolution". Terrence Deacon is Professor and Chair of the Department of Anthropology and member of the Helen Wills Neuroscience Institute at the University of California, Berkeley.Michael Levin is Professor in the Biology department at Tufts University and associate faculty at the Wyss Institute for Bioinspired Engineering at Harvard University. TIMESTAMPS:(0:00) - Introduction(0:42) - Mike on Terry's work(1:32) - Terry on Mike's work (2:48) - Mike & Terry on Daniel Dennett's work(8:10) - Origin of Life & Purpose (Terry's perspective: complexity, thermodynamics, memory)(14:37) - Origin of Life & Purpose (Mike's perspective: models of scaling, polycomputing, spaces of reality)(20:08) - The Self, Beneficiaries & Causal Emergence(26:00) - Strange Loops & Semiotics (Metabolism precedes Neural activity)(29:00) - Causality: Constraints, Morphological Computing & Environmental Offloading (32:50) - Lazy Gene Hypothesis, Inverse Darwinism, Constraints & Energy(40:15) - Regeneration & Memory: Decompression Processes & Complexity(45:30) - Meta-Constraints: Problem Solving Agents & Bioengineering Surprises (beyond genes)(52:57) - Hypothesis Generation & Adaptive Nervous Systems (Competitions between Interpretations)(57:48) - Biologizing Cognition: Evolutionary & Developmental(1:02:40) - Terry's Critique of Mike's work (Preformationism)(1:06:00) - Mike's Response(1:15:22) - Mike's Critique of Terry's work (Teleonomy)(1:18:03) - Terry's Response(1:23:50) - Goal Directedness(1:26:22) - Final Thoughts(1:28:55) - Conclusion EPISODE LINKS:- Mike's Podcast 1: https://www.youtube.com/watch?v=v6gp-ORTBlU- Mike's Podcast 2: https://www.youtube.com/watch?v=kMxTS7eKkNM- Mike's Podcast 3: https://www.youtube.com/watch?v=1R-tdscgxu4- Mike's Lecture: https://www.youtube.com/watch?v=aQEX-twenkA- Terry's Podcast: https://www.youtube.com/watch?v=_Kj2OgkxGa0- Terry's Lecture: https://www.youtube.com/watch?v=refDeUzgdIg- Daniel Dennett Tribute: https://www.youtube.com/watch?v=Z3cWQLUbnKsCONNECT:- Website: https://tevinnaidu.com - Podcast: https://creators.spotify.com/pod/show/mindbodysolution- YouTube: https://youtube.com/mindbodysolution- Twitter: https://twitter.com/drtevinnaidu- Facebook: https://facebook.com/drtevinnaidu - Instagram: https://instagram.com/drtevinnaidu- LinkedIn: https://linkedin.com/in/drtevinnaidu=============================Disclaimer: The information provided on this channel is for educational purposes only. The content is shared in the spirit of open discourse and does not constitute, nor does it substitute, professional or medical advice. We do not accept any liability for any loss or damage incurred from you acting or not acting as a result of listening/watching any of our contents. You acknowledge that you use the information provided at your own risk. Listeners/viewers are advised to conduct their own research and consult with their own experts in the respective fields.

Boeing (BA) moved higher after getting a fresh set of jet orders from British Airways. Rick Ducat dives into the surging price action behind Boeing that brought the plane maker to 2025-highs. Tom White offers an example options trade for the company.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

In this episode, Miguel Gonzalez, CRC®, walks you through what to expect when you inherit money—from probate to debt handling, taxes, and investment strategies—to help you make informed decisions during a difficult time.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#InheritingMoney #EstatePlanning #FinancialAdvice #RetirementPlanning #InheritanceTips #ProbateProcess #WealthTransfer #InheritedAssets #FinancialEducation #InheritanceTax #LegacyPlanning #BeneficiaryAdvice #InvestmentStrategies #InheritedIRA #TaxPlanning #PersonalFinance #FinancialLiteracy #RealEstateInheritance #MiguelGonzalezCRC #CortburgAdvisorsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Megan Brantley initially wasn't as bullish on Uber Technologies (UBER) as she is now. LikeFolio's data shows the company taking market share from competitors like Lyft Inc. (LYFT), Doordash (DASH), and Maplebear (CART). Her cautious bullishness comes in part from Tesla's (TSLA) brand decline, which Megan believes eases robotaxi headwinds. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Hart, Fitzy and Johnson analyze the current state of the Patriots' offensive depth chart, and they discuss how QB Drake Maye is set to benefit immensely from the team's aggressive approach to the offseason.

"In a blended family, fairness and mutual understanding are key, especially when navigating the complexities of prenuptial and postnuptial agreements.” -Donna Kendrick   Navigating love after loss or divorce comes with a host of emotional and financial complexities, especially when blending families.   Our hosts, Stephanie McCullough and Kevin Gaines, speak with Donna Kendrick, a financial planner who has lived through these transitions herself. After losing her husband unexpectedly, Donna rebuilt her life and career with a mission to help families in flux—widows, divorcées, and newly blended households.   She shares how combining lives means combining financial baggage too, from income disparities and home equity dilemmas to prenups, life insurance, and estate planning. Donna's candid story highlights the power of transparency and empathy in financial conversations, especially when trust has been tested.   Her advice? Begin with individual clarity—define your needs, wants, and non-negotiables—then collaborate with your partner.   Donna emphasizes the importance of communication, fairness, and ongoing adjustment as life evolves. Her blend of financial savvy and emotional wisdom offers a powerful reminder: managing money in remarriage is less about spreadsheets and more about mutual understanding.   Key Topics: Donna Kendrick's Story (00:00) Reprioritizing Your Beneficiaries in a Blended Family (12:30) Why Donna Decided to Remarry (16:01) Letting Your Kids Know About Their Future Financial Realities (21:16) Factors When Considering Remarriage (27:28) What Donna Did Wrong During the Process (and What She Did Right) (32:18) Key Takeaways (37:31)   Resources: Connect with Donna Widow, Wisdom & Wealth Podcast Take Back Retirement Ep 109: Remarriage & Money: Janice Guinn Joins the Conversation on Love, Legalities, and Life Planning     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Todd Lutsky explains why the how you leave assets to your beneficiaries is very important. What are some of the different paths for leaving assets? How to resolve a conflict between an executor and a beneficiary? What kind of fees are to be expected when setting up a trust? How can you use the proceeds from a house sale that is in a trust?

You may believe your retirement is all set, with savings secured and timelines mapped out, but then the questions start flooding in, shaking that sense of certainty. This episode reveals the questions people start asking as retirement gets closer, from Roth conversions and Social Security to how inherited money works.. Gregg walks through questions from listeners and clients that reveal the lesser-known stuff, like why turning 73 or 75 matters way more than you'd expect, what changes if you're still working, or how one checkbox on a beneficiary form can shift who ends up with your money. There's also a closer look at long-term care insurance and why the math on it surprises most people. This episode will make you stop and rethink your assumptions so that it doesn't cost you dearly in the future. You will want to hear this episode if you are interested in... (0:00) The real retirement questions you should ask sooner rather than later. (03:45) Listener question #1 - Roth conversions and the five-year rule. (05:04) Listener question #2 - Roth IRA vs. Roth 401(k) contribution limits. (07:44) Listener question #3 - Beneficiary designations: pro rata vs. per stirpes. (10:38) Listener question #4 - Social Security growth after full retirement age. (14:37) Listener question #5 - What if Social Security income becomes tax-free? (14:41) Listener question #6 - Required minimum distributions and age updates. (19:28) Listener question #7 - Why long-term care insurance costs as much as it does. (24:18) Listener question #8 - When retirement income and market dips collide. Resources & People Mentioned 3 Steps to Retirement Planning Ed Slott - America's IRA Experts - https://irahelp.com/ Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

  Welcome to the KE Report Weekend Show!    This week, we explore the growing shift of capital out of the U.S., impacting both equity...

Welcome to the KE Report Weekend Show!    This week, we explore the growing shift of capital out of the U.S., impacting both equity and bond markets. Investors remain defensive, with gold emerging as the clear winner while the U.S. dollar continues to weaken. We also dive into the ongoing outperformance of gold stocks and where the best opportunities may lie in the current environment.   If you enjoy the show, be sure to subscribe to our podcast feed (KER Podcast), YouTube channel, and follow us on X for more market commentary and company interviews. Don't forget to subscribe and leave us a review! Also check out our Substack where we email you summaries of Daily Editorials and the Weekend Show! Click here to check it out. Segment 1 & 2 - Mike Larson, Editor-in-Chief at MoneyShow, kicks off the show outlining how market volatility, US policy uncertainty, and the erosion of traditional safe havens are fueling a powerful move into gold and potentially marking the beginning of a multi-year rotation out of US assets. He discusses how global capital appears to be shifting from US dominance toward international markets and hard assets, especially precious metals, and warns that this may not be a short-term trend but the early stages of a generational market transition. Click here to find out about the upcoming MoneyShow conferences.    Segment 3 & 4 - Matt Geiger, Managing Partner at MJG Capital, wraps up the show outlining how tariffs, geopolitical shifts, and safe haven demand are reorienting global capital flows and driving renewed interest in gold, critical minerals, and select junior miners. He discusses how the end of U.S. equity dominance could redirect trillions into commodities, why rare earth processor Neo Performance Materials is a top conviction pick, and how strong insider buying and selective junior exposure are shaping his current fund strategy. Click here to visit the MJG Capital website to learn more about Matt's fund.  

Episode 586: Don't let common retirement income mistakes derail your financial security—learn three crucial pitfalls and how to avoid them. Next, Justin and Matthew walk through the ins and outs of naming beneficiaries—what that involves, why it's important, and how to do it well.

Sean Brodrick, Editor of Wealth Megatrends and contributing analyst to Weiss Ratings Daily, joins us to outline why he is tightening up his portfolio by exiting some sectors, holding only the highest conviction sectors and equities, and only really adding to gold and precious metals stocks in this current environment of uncertainty.   We start off discussing how gold continues to attract a global bid, where bonds and the US dollar are really not, because some of the trade barriers mean that people in other countries need less dollars and less dollar-denominated assets. We also find out if Sean sees a recession or even depression is on the horizon in light of the Trump administration economic strategy with tariffs and global trade policies, and how Jerome Powell and the Fed may respond to incoming economic data.  Sean points to several larger banks that have a recession forecasted as a 45%-60% likelihood, and dive into readings from the NY Fed Manufacturing Index, inflation trends, and jobs numbers for other macroeconomic signals.   Shifting over to commodities, we not just how volatile the copper pricing moves have been over the last month, and look ahead to where things may settle out in this economics indicator.  This brings China into the discussion, their potential infrastructure and economic plans, and their recent bans on many critical minerals from flowing into the US.  Sean notes that both uranium and oil are in corrective periods, and the only oil stocks he is holding are those that offer attractive dividends so that he is paid to wait.   This leads into a discussion of which dividend-paying sectors are more safe, like certain utilities, and which ones could see their dividends cut, like higher cost energy companies or hotel stocks. When discussing other sectors Sean feels could offer some refuge from economic contraction and uncertainty, he mentions holding positions in European stocks, bank stocks, some medical stocks, Bitcoin, and cybersecurity stocks. The value plays lead the conversation full-circle back to gold though, where Sean is expecting $4,000 gold by the end of the year.  For this reason he still sees opportunities in the gold stocks that capitalize on these higher prices and also likes the silver stocks at current levels.   Click here to follow along with Sean's work at Weiss Ratings Daily and Wealth Megatrends   Click here to learn more about Resource Trader

This week's show covers part two of our beneficiary roadmap, defensive names, options for your RMD, and tons of emails.

Brandon gives you his insight from Friday's bank earnings and who he thinks will benefit from the tariffs.

This week, Todd Lutsky explains how and why you could name a trust as a beneficiary on a retirement account. Todd also explains why leaving a house to multiple beneficiaries could lead to disaster. Todd takes a question from a listener about selling a home while in an assisted living facility.

In this episode, The Annuity Man discussed:  Protecting your beneficiary from dumb choices How Stan lovingly handcuffs his beneficiaries Handcuffing your loved ones is good for them   Key Takeaways:  Lovingly handcuffing your beneficiaries with annuity guarantees protects them from making dumb decisions with lump sums.  Stan has written in the trust that when he dies, there will be a lifetime income annuity purchase for each of his daughters, guaranteed to pay them for the rest of their life as long as they are breathing.  Your beneficiaries might not react positively to you giving them income instead of a lump sum, but handcuffing them contractually is the right thing to do and it will be good for them in the long run.    "Death is not a good strategy, because you can only use it once. But wouldn't it be good to know regardless of what happens, that they're taken care of? And that lifetime income stream is going to be in place?" —  Stan The Annuity Man.      Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

This week's show covers common mistakes investors make during sell-offs, asset allocation working, a down market survival guide for retirees, and a beneficiary roadmap.

Congratulations on your remarriage! How do you ensure that your finances are in order as you step into this next phase of your life?   Our hosts Stephanie McCullough and Kevin Gaines explore the vital legal and financial considerations of remarriage, from beneficiary designations to tax implications, with guidance from fellow Financial Planner at Sofia Financial, Janice Guinn!   There are legal considerations aplenty when deciding between cohabitation and remarriage. Money talks can often be the elephant in the room, but they're essential for maintaining harmony in marriage. A partner's reluctance to engage in these conversations could be a red flag. Financial transparency is key to building a healthy and lasting partnership.   Our hosts also get into the nitty-gritty on taxes and retirement plans, trusts and long-term care, as well as pre and post-nuptial agreements!   Key Topics: The Most Important Step: Discussing Your Goals and Expectations (04:10) Financial Obligations to Children and Parents When Remarrying (08:39) Joint or Separate Bank Accounts? (16:16) Long-Term Care as You Age (20:00) Estate Planning and Pre/Post-Nuptial Agreements (23:02) How Remarriage Impacts Your Taxes (31:12) “If You Are Under 60, Think Twice About Getting Remarried.” (41:06) Retirement Plans and Beneficiaries (45:00) To Marry or Cohabit? (55:55) What About Trusts? (1:00:22)   Resources: Take Back Retirement Episode 66: Transform Your Relationship with Money: Lessons from Bari Tessler Take Back Retirement Episode 43: The Psychology of Money and Marriage with Special Guest Ed Coambs Take Back Retirement Episode 31: What the Heck is a Trust, and Why Might I Need One?     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

In this episode, Miguel Gonzalez, Certified Retirement Counselor, breaks down the 10 most important facts about the 10-year rule for inherited IRAs. Learn who this rule affects, the key tax implications, and how to strategically navigate RMDs as a beneficiary.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#InheritedIRA #10YearRule #RMDRules #RetirementPlanning #SECUREAct #FinancialPlanning #WealthManagement #IRAWithdrawals #NonSpouseBeneficiaries #TaxPlanning #RothIRA #IRARules #RetirementTaxTips #RequiredMinimumDistribution #RetirementAccounts #RetirementAdvisor #FinancialPodcast #CortburgRetirement #MiguelGonzalezCRC #RetirementEducationWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

This week, Todd Lutsky explains the various methods of leaving assets to your beneficiaries. Todd takes questions for the audience about borrowing against your trust, leaving a home to a beneficiaries, and naming a beneficiary to your 401(k).

Kevin Green admits "nobody really knows" what to expect with today's highly anticipated tariffs announcement. From auto parts to lumber to copper, KG walks through various corners of the economy that could face higher prices and pressures. Meanwhile, payment stocks like MasterCard (MA) and Visa (V) are among Goldman Sachs' defensive names amid market uncertainty. For the S&P 500 (SPX), Kevin highlights the tariff announcement coming after Wednesday's close which could spell more volatility for Thursday instead.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Our guest on the podcast today is Dr. Jay Zigmont. He's the author of a new book called The Childfree Guide to Life and Money, and he's also the founder and CEO of Childfree Wealth, a financial planning firm dedicated to helping people without kids. Dr. Jay is a certified financial planner, and he also has his MBA, as well as his PhD in Adult Learning from the University of Connecticut. He hosts the Childfree Wealth podcast, and he previously published another book called Portraits of Childfree Wealth. Dr. Jay, welcome to The Long View.BackgroundBioChildfree WealthChildfree Wealth podcastThe Childfree Guide to Life and Money: Make Your Finances Simple So Your Life Without Kids Can Be Amazing, by Jay ZigmontPortraits of Childfree Wealth: 26 stories about how being Childfree impacts your life, wealth and finances, by Jay ZigmontBeing Childfree“Census Bureau: Older Childless Women Make More Money, In Better Health Than Male Counterparts,” by Carlie Porterfield, forbes.com, Aug. 31, 2021.“11% of Older Americans (55+) Are Childfree,” by Jay Zigmont, childfreewealth.com, Aug. 28, 2022.“Among Unmarried Adults, Women Without Children Have as Much Wealth as Single Men,” by Richard Fry, pewresearch.org, Nov. 4, 2024.“Choosing the FILE Lifestyle—Financial Independence, Live Early,” by Jay Zigmont, childfreewealth.com, Aug. 28, 2022.“FILE vs FIRE—Finding What Is Right For You,” by Jay Zigmont, childfreewealth.com, Aug. 28, 2022.Die With ZeroDie With Zero: Getting All You Can From Your Money and Your Life, by Bill Perkins“How Do I Embrace the Die With Zero Approach?” by Jay Zigmont, childfreewealth.com, April 30, 2024.“Not Having Children ‘Breaks' Traditional Financial Planning, says CFP—8 Money Rules for Childfree People,” by Ryan Ermey, cnbc.com, Dec. 5, 2023.Long-Term Care and Estate Planning“How Much Does Assisted Living Cost in 2023?” by Sam DiSalvo, finance.yahoo.com, March 30, 2023.“Long-Term Care for Childfree Individuals,” by Jay Zigmont, childfreewealth.com, Nov. 23, 2023.“Who Will Take Care of Me?” by Jay Zigmont, childfreewealth.com, Dec. 12, 2023.“Get Your Paperwork Right, Now!—Wills, Beneficiaries, Living Wills, POAs and More,” by Jay Zigmont, childfreewealth.com, Aug. 28, 2022.Other“New Report: Being Childfree May Not Make You Rich, But It May Make You Happy,” by Jay Zigmont, childfreewealth.com, Oct. 6, 2022.“The Gardener and the Rose,” by Jay Zigmont, childfreewealth.com, Aug. 28, 2022.The Purpose Code: How to Unlock Meaning, Maximize Happiness, and Leave a Lasting Legacy, by Jordan Grumet“Jordan Grumet: The Purpose Code,” The Long View podcast, Morningstar.com, Jan. 7, 2025.

Episode 187 - March 31st, 2025 - Put Your Cap On   - Violations Counter - DJ Intence - 1 x Walt - 0 x Ceddy Ced - 12 - Political Crashing Outs  - RIP To The Victims Of The Happy Land Tragedy in Bronx, NY in 1990  - Yolanda Saldivar denied parole, Selena's killer  - Marvin Gaye beef witihin the music industry  - R&B guys aren't for play…… - James Brown x Prince x Michael Jackson on Stage ( https://youtu.be/zIU8TBJ7SYU?si=wvbpco_7VQiUnNTY )  - Put some respect on Johnny Gill & Keith Sweat…. - Memphis Grizzlies & Firing Taylor Jenkins (NBA Talk)  - Mark Cuban “ETHERING” a fellow employee & SuperFan  - Elon Musk Wisconsin Supreme Court Prize Giveaway  - 2000 George W. Bush vs Al Gore Presidential Election Supreme Court Ruiling  - A Georgia woman is arrested & charged after miscarriage  - Must have for minorities to have a Will, Living Will, Beneficiaries, Trust, &/or Estate…… - Spanish courts' overturn Dani Alves' rape conviction  - Wise Guy's Segment - Woman goes viral for a man asking the wrong questions?  - Wise Guy's Segment - The best relationships are best with Companionships   - Wise Guy's Segment - Is it appropriate for your significant other to DRESS in provocative outfit with you on an outing?  - Audible - Kanye West & DJ Akademic Interview 

Editor's Summary by Kirsten Bibbins-Domingo, PhD, MD, MAS, Editor in Chief, and Preeti Malani, MD, MSJ, Deputy Editor of JAMA, the Journal of the American Medical Association, for articles published from March 22-28, 2025.

This legal lecture provides a structured overview of trusts and estates law, specifically focusing on the creation of trusts and the duties of trustees. It begins by outlining the five essential elements required to establish a valid trust, including a capable settlor, a trustee, identifiable beneficiaries, the intent to create a trust, and trust property. The lecture then distinguishes between key types of trusts, such as revocable versus irrevocable and testamentary versus inter vivos, highlighting their differing purposes and implications. Finally, it delves into the crucial fiduciary duties that trustees owe to beneficiaries—loyalty, prudence, impartiality, and the duty to inform and account—and discusses the remedies available when these duties are breached, underscoring the significant role trusts play in comprehensive estate planning.A valid trust requires a capable settlor, a trustee, identifiable beneficiaries, intent to create a trust, and trust property.Trusts can be classified as revocable or irrevocable.Trusts can be classified as testamentary or inter vivos.Trustees have fiduciary duties, including the duty of loyalty.Trustees have fiduciary duties, including the duty of prudence.Trustees have fiduciary duties, including the duty of impartiality.Trustees have a duty to inform and account.Beneficiaries have legal remedies for breach of fiduciary duty.Trusts are a key component of estate planning.Trusts can be used to manage assets.Trusts can be used to minimize probate.Trusts can be used to reduce estate taxes.Trusts can facilitate charitable giving.

Beneficiaries forced to use money management cards will often be unable to pay rent, government data shows, putting them at risk of becoming homeless. Political Reporter Russell Palmer has more.

National Doctors' Day is actually Sunday, March 30, but the one-day nationwide observance is getting an early celebratory start during the next live edition of the venerable Monitor Mondays broadcast.Joining our esteemed panelists will be three well-known physicians: Drs. Stephanie Van Zandt, Clarissa Barnes, and Juliet Ugarte Hopkins. And each doc will have an “open mic” during the 30-minute live Internet broadcast.The long-running weekly broadcast will also include these instantly recognizable features:• Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds.• The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Nelson Mullins, will report the latest news about auditors.• Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.

Is the tension between World Cup co-hosts USA, Canada and Mexico a concern? Can Comoros complete the ultimate underdog story? Plus, will Chris Wood and Erling Haaland be firing in the goals for New Zealand and Norway next year?Kelly Cates and Rory Smith get our countdown to the 2026 underway in Destination New Jersey. JT Batson, CEO & Secretary General of the US Soccer Federation, joins us to discuss their preparations for the tournament. Former New Zealand manager, Ricki Herbert, talks up their chances of making it to next summer's World Cup 16 years after he guided them to South Africa. President of the Norwegian Football Association, Lise Klaveness, explains the pressure on them to ensure Erling Haaland and their talented generation can reach the finals. And we're joined by Former Wolves boss Stefano Cusin as he bids to take Comoros to their first World Cup. TIMECODES: 02:10 - JT Batson – CEO & Secretary General of US Soccer Federation 17:50 - Stefano Cusin – Comoros Manager 26:19 – Ricki Herbert – Former New Zealand manager 39:36 – Lise Klaveness – President of the Norwegian Football Association. Commentaries on 5 Live/BBC Sounds: Wednesday: Manchester City v Chelsea - Women's Champions League (8pm) Thursday: Greece v Scotland - Men's Nations League play-off (7:45pm) Friday: England v Albania - Men's World Cup 2026 qualifying (7:45pm) Sunday: Manchester City v Chelsea - Women's Super League (2:30pm)

This episode dives into why teaming up with a competent attorney is essential for your financial well-being, especially when it comes to estate planning. We've got our go-to legal expert, Kristen Luce, Partner at Coughlin and Gerhart LLP, back in studio to share how the right attorney can make all the difference in ensuring your assets are handled according to your wishes. We chat about the importance of communication, transparency, and doing your homework when choosing legal professionals—because let's be honest, nobody wants to leave their loved ones tangled in a legal mess. Ask those tough questions and gauge how they respond. The right professionals will be eager to help you navigate your unique situation with ease, not just shove you into a one-size-fits-all plan.Plus, we tackle the misconception that estate planning is only for the elderly; hint: if you're 18 or have something you care about, it's time to get your ducks in a row! Takeaways:Understanding the importance of vetting financial advisors and attorneys can significantly impact your financial future. Collaborative efforts between attorneys and financial advisors can lead to better outcomes for clients' estate planning needs. Don't skip out on estate planning; even young adults need to have their own legal documents in order. Beneficiaries can trump what's in your will, so it's crucial to check your accounts regularly for accuracy. Choosing a fee-only financial planner can help eliminate conflicts of interest that might arise with commission-based advisors. Always communicate your wishes clearly; ambiguity in estate planning can lead to family disputes down the line. _______________________________________________

Family caregivers receiving WA Cares funds will need state-approved training. Elizabeth New (Hovde) explores what this means for caregivers and why it raises concerns about government control over long-term care. Read more at https://www.clarkcountytoday.com/opinion/opinion-family-caregivers-for-beneficiaries-of-wa-cares-will-require-state-approved-training/ #localnews #ClarkCountyWa #WACares #LongTermCare

Every client has a unique set of needs. In this episode, we're looking at how to work with clients who have a power of attorney or are under a conservatorship. Listen to learn how these circumstances affect enrollment, and how you can assist the process!    Read the text version     Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.    Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/     Elder Abuse Prevention & Resources    Resources: How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/Lw5Dmc   How to Stay Compliant During All Medicare Sales: https://lnk.to/41gE4C   Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/  Why Are Part D Prescription Drug Plans So Different? https://ritterim.com/blog/why-are-part-d-prescription-drug-plans-so-different/     References: “Authorization to Disclose Personal Health ...” Centers for Medicare & Medicaid, https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms10106.pdf. Accessed 14 Feb. 2025.   “Britney Spears's Conservatorship Terminated after Nearly 14 Years.” The Guardian, Guardian News and Media, 12 Nov. 2021, https://www.theguardian.com/music/2021/nov/12/britney-spears-conservatorship-terminated.  “Conservatorship and Guardianship.” Family Caregiver Alliance, https://www.caregiver.org/resource/conservatorship-and-guardianship/. Accessed 19 Feb. 2025.  Kenton, Will. “Conservatorship Definition, How It Works, Types, Alternatives.” Investopedia, Investopedia, https://www.investopedia.com/terms/c/conservatorship.asp. Accessed 14 Feb. 2025.   “Elder Abuse Statistics.” Justice.Gov, U.S. Department of Justice, https://www.justice.gov/file/970666/dl?inline=. Accessed 14 Feb. 2025.   “Financial Exploitation Resources.” Financial Exploitation Resources | Department of Aging | Commonwealth of Pennsylvania, Commonwealth of Pennsylvania, https://www.pa.gov/agencies/aging/aging-programs-and-services/advocacy-education-protection/financial-exploitation-resources.html. Accessed 14 Feb. 2025.   “GAO-10-1046 Highlights, Guardianships.” GAO.Gov, United States Government Accountability Office, https://www.gao.gov/assets/gao-10-1046-highlights.pdf. Accessed 14 Feb. 2025.   “Get the Facts on Elder Abuse.” NCOA, National Council on Aging, https://www.ncoa.org/article/get-the-facts-on-elder-abuse/. Accessed 14 Feb. 2025.   “New California Law Limits Conservatorships after Britney Spears Saga.” Mortensen & Reinheimer, PC, Mortensen & Reinheimer, PC, https://www.ocestateplanning.net/law-blog/2023/january/new-california-law-limits-conservatorships-after/. Accessed 14 Feb. 2025.   “Power of Attorney.” AmericanBar.Org, American Bar Association, https://www.americanbar.org/groups/real_property_trust_estate/resources/estate-planning/power-of-attorney/. Accessed 19 Feb. 2025.  “Rules and Model Language for Proof of Representation Vs ...” Centers for Medicare & Medicaid, https://www.cms.gov/files/document/por-vs-ctrpdf. Accessed 14 Feb. 2025.   “Using a Power of Attorney to Enroll a Beneficiary in a Medicare Drug Plan.” ElderLawAnswers for Attorneys - Affordable Content Marketing for Busy Elder Law Attorneys, ElderLawAnswers for Attorneys, https://attorney.elderlawanswers.com/using-a-power-of-attorney-to-enroll-a-beneficiary-in-a-medicare-drug-plan-6414. Accessed 14 Feb. 2025.   “What is a medical power of attorney.” FreeWill, https://www.freewill.com/learn/what-is-a-medical-power-of-attorney/. Accessed 19 Feb. 2025.  Firm, The Karp Law. “Your Power of Attorney Is Not Enough for Medicare, Social Security.” Karp Law Firm, https://karplaw.com/your-power-of-attorney-is-not-enough-for-medicare-social-security/. Accessed 14 Feb. 2025.     Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/  Not affiliated with or endorsed by Medicare or any government agency. 

✍️ How to Change Beneficiaries on Retirement Accounts After Divorce. | Los Angeles Divorce

✍️ How to Change Beneficiaries on Retirement Accounts After Divorce. | Los Angeles Divorce

Timing is everything, especially when it comes to your retirement! TRS Counseling Team Lead, Monica Castine and TRS New Retirement Operations Manager, Carlos Marshall, will help you understand the process in two time periods: BEFORE and AFTER your retirement application has been submitted.Monica will prepare you with: when to turn in your applicationthe benefit of unused sick leave & other sick leave topics information on purchasing service - including Air Timehow to get a benefit estimatewhere and how to apply for retirement Carlos provides insights on:common issues that can delay the processwhy changes in retirement calculations occur when you can expect your first checkhow sick leave & beneficiaries impact your retirement benefitother practical tips to getting your application submitted correctlyAdditional topics include:healthcare subsidies & where to find more infoa review of important things to considerTimestamps 00:00 - Intro01:07 – When to apply for retirement?01:55 – Sick leave minimum amount02:18 – Accruing sick leave with more than one employer02:46 – Sick leave awarded higher than the maximum monthly allowance03:49 – Withdrawn sick leave04:18 – Purchasing service toward retirement05:30 – Airtime service06:32 – Benefit estimates to calculate pension amount07:25 – How do I apply for retirement07:55 – Help with retirement application08:21 – Documents to send with retirement application08:57 – Delayed retirement benefits09:39 – Salary changes prior to retirement10:37 – Factors that can affect retirement benefit calculations11:46 – When is the first check processed?12:19 – Sick leave adjustments after retirement date12:59 – Beneficiary effect on monthly benefit13:53 – Avoiding early retirement reductions14:30 – Advice for employers sending member info to TRS15:16 – SHBP healthcare subsidy16:20 – Ensuring a timely processing of your applicationAre you about to retire? If you haven't had the chance to meet with us one-on-one in a virtual or in-person format, and are within 2 years of retirement eligibility, be sure to log in to your TRS account online and register for a session today! Are you new to TRS or in the middle of your career? Be sure to designate your beneficiaries as soon as possible in your TRS online account. We want to hear from our members! Please email the show for topic inquiries, questions and comments! Contact us at ⁠⁠⁠⁠podcast@trsga.com⁠⁠⁠⁠. Host: Everett Crockett Guest: Monica Castine, TRS Counseling Team LeadCarlos Marshall, TRS New Retirement Operations ManagerFor more information visit: ⁠⁠⁠⁠www.trsga.com⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠https://www.facebook.com/trsgeorgia ⁠⁠⁠⁠ YouTube: https://www.youtube.com/@trsgeorgia #retirementplanning #pensionpodcasts #retirement

David Dietze returns to the NYSE set to offer a macro perspective of the markets. On the A.I. front, David lists Supermicro (SMCI) as another way investors can play into Nvidia (NVDA). He says the company's role in A.I. data center buildout will make it essential in Nvidia's growth. David later discusses the state of the U.S. economy and its correlation to Europe.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Four categories are recognized under current regulations to qualify as an Eligible Designated Beneficiary (EDB). These include the surviving spouse, minor children of the decedent, a disabled or chronically ill individual as assessed at the time of the decedent's passing, and other individuals who are no more than ten years younger than the deceased account owner. If you fall into one of these categories, you'll be afforded more time and flexibility than Non-Eligible Designated Beneficiaries. This is due to recent regulatory changes, underscored by The Secure Act, altering the landscape of inherited IRAs. Outline of This Episode [00:00] The complexities and benefits of being an eligible designated beneficiary (EDB) for inheriting an IRA. [03:34] Eligible designated beneficiaries have two key advantages: more time and flexibility in inheritance. [08:21] Withdrawing from an IRA before age 59 incurs a 10% penalty and income tax; RMDs depend on age, starting at 73 for most people. [10:10] The stretch IRA avoids a 10% penalty by basing RMDs on life expectancy.  [15:46] Timing distributions strategically can reduce tax liability. Wait until retirement to avoid high tax brackets.  [18:01] Evaluate options carefully when inheriting an IRA, considering tax implications and future changes. ***********

Today's Mystery: Johnny's called in to find a missing life insurance beneficiary who turns out to be wanted for murder.Original Radio Broadcast Date: November 17, 1957Originating from HollywoodStarring: Bob Bailey as Johnny Dollar; Lawrence Dobkin; Virginia Gregg; Jack Kruschen; Jeanette Nolan; Russell Thorson; Howard McNearWhen making your travel plans, remember http://johnnydollarair.comBecome one of our Patreon Supporters at https://patreon.greatdetectives.netThank you to our Patreon Supporter of the Day: Bailey, patreon supporter since April 2023.Take the listener survey at http://survey.greatdetectives.netGive us a call at 208-991-4783Follow us on Twitter @radiodetectivesJoin us again tomorrow for another detective drama from the Golden Age of Radio.

Today's Mystery: Johnny's called in to find a missing life insurance beneficiary who turns out to be wanted for murder.Original Radio Broadcast Date: November 17, 1957Originating from HollywoodStarring: Bob Bailey as Johnny Dollar; Lawrence Dobkin; Virginia Gregg; Jack Kruschen; Jeanette Nolan; Russell Thorson; Howard McNearWhen making your travel plans, remember http://johnnydollarair.comBecome one of our Patreon Supporters at https://patreon.greatdetectives.netThank you to our Patreon Supporter of the Day: Bailey, patreon supporter since April 2023.Take the listener survey at http://survey.greatdetectives.netGive us a call at 208-991-4783Follow us on Twitter @radiodetectives

WTF!? This really better be a stunt or a bad joke because if it's not then we're faced with more bad economics. This proposal is exactly the SH&% that is supposed to be ending. The government wouldn't be giving anyone "their" money back, just borrowing more to make it look like that would what happens. Eurodollar University's Money & Macro AnalysisMilton Friedman - Tyranny of the Status Quo - Part 1 - Beneficiaries w/ David Brookshttps://www.youtube.com/watch?v=wRXEk7su62wThe Hill Adviser behind ‘DOGE dividend' check program: It's reasonablehttps://thehill.com/business/5154650-james-fishback-donald-trump-elon-musk-doge-dividends/Fox $5,000 DOGE check? Trump backs idea to send some savings to Americanshttps://www.fox9.com/news/5000-doge-dividend-check-trump-backs-savings-americansCBO https://www.cbo.gov/system/files/2025-01/60870-By-the-Numbers.pdfhttps://www.cbo.gov/publication/60870#:~:text=The%20Budget%20Outlook-,Deficits,to%20%242.7%20trillion%20by%202035.https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Who is the biggest beneficiary from the Eagles win over the Chiefs? Dak Prescott embraces the crazy and delusional, but don’t knock him for it. Plus, couch surfing, midweek awards and more!See omnystudio.com/listener for privacy information.