Podcasts about beneficiaries

Protecting assets in divorce doesn't have to be confusing. Learn how prenups, postnuptial agreements, trusts, inheritance, and estate planning can help protect your financial future before or during marriage.What happens to an inheritance in a divorce? Does putting assets into a trust automatically protect them? Is a prenuptial agreement only for wealthy couples? Can a postnuptial agreement protect your family if addiction, business ownership, or financial concerns become part of your marriage?In this episode of Doing Divorce Different, Lesa Koski sits down with Minnesota estate planning attorney Melissa Miroslavich to answer the questions many people don't realize they should be asking until it's too late.Together they discuss protecting assets in divorce, the differences between marital and non-marital property, when prenuptial agreements and postnuptial agreements make sense, how trusts actually work, and why estate planning should be part of every family's long-term plan.Whether you're happily married, engaged, considering divorce, or simply planning for the future, this conversation will help you better understand your options and make informed decisions.In this episode you'll learn:• What a prenup really does (and doesn't do)• When a postnuptial agreement may be appropriate• How inheritance is treated during divorce• The difference between marital and non-marital property• Common misconceptions about trusts• How addiction or financial struggles can affect long-term planning• Why mediation allows families to create customized solutionsEvery family is unique, and every situation deserves thoughtful planning. This episode is educational in nature and is not legal advice. If you have questions about your own circumstances, consult an experienced attorney in your state.If this episode helped you, please subscribe, leave a review, and share it with someone who may benefit from understanding how to better protect their family and financial future.Timestamps(00:00) Welcome and introduction to protecting assets in marriage and divorce(02:15) What every couple should know about prenuptial agreements(08:30) Marital vs. non-marital property explained(13:45) Can inheritance stay separate during divorce?(20:05) Trusts explained: Revocable vs. irrevocable trusts(29:40) Real-life divorce scenario involving inherited assets(37:20) Addiction, financial protection, and postnuptial agreements(48:15) Divorce, legal separation, or postnuptial agreement—which offers the most protection?(56:10) Estate planning after divorce(1:02:45) Beneficiary designations people often forget to update(1:07:30) Final thoughts and practical planning tipsKey TakeawaysA prenuptial agreement is more than planning for divorce—it creates clarity, transparency, and shared expectations before marriage.Simply placing assets into a trust does not automatically protect them during a divorce.Keeping inherited assets separate is essential if you want to preserve their non-marital character.Postnuptial agreements can help couples proactively address financial concerns, but they have unique legal requirements.Estate planning and beneficiary designations should always be reviewed after a divorce or major life change.Guest BioMelissa Miroslavich is a Minnesota attorney focusing on estate planning, prenuptial agreements, postnuptial agreements, business succession planning, and asset protection strategies. She helps individuals, families, and business owners create thoughtful legal plans that protect what matters most while preparing for life's expected—and unexpected—transitions.Resources MentionedMelissa Miroslavich Lawhttps://miroslavichlaw.comSchedule a Divorce Clarity Sessionhttps://www.lesakoski.com/offers/2HAtaGZ6/checkoutDivorce Comeback Communityhttps://www.skool.com/divorce-clarity-40-8663/aboutSoberlink – A Trusted Tool for Accountability in Family Law Caseshttps://www.soberlink.com/divorce/family-law?utm_source=affiliatelink&utm_medium=referral&utm_campaign=lesa-koski-affiliatelinkOsteoStrong Minnesota – Bone Health & Strengthhttps://osteostrongmn.com/affiliate-referral-koski/Tags / Keywordsprotecting assets in divorce, divorce, divorce mediation, mediation, prenuptial agreement, prenup, postnuptial agreement, postnup, inheritance and divorce, trusts, revocable trust, irrevocable trust, estate planning, marital property, non-marital property, asset protection, Minnesota divorce, divorce planning, divorce coach, Lesa Koski, Melissa Miroslavich, family law, divorce education, financial planning after divorce, collaborative divorce

In this essential Part 2 of our series on Estate Reclamation, Russell Paul Arthur continues his deep dive into the lawful procedures required to reclaim your estate from the control of the Crown Commonwealth. Building on the foundational knowledge from Part 1, Russell explains the specific affidavit processes, private trust structures, and judicial remedies available through Grace Private Court. We explore how to transition your assets from public domain control to private sovereign authority, and the exact steps required to execute an estate reclamation and restructure your life for maximum protection and asset preservation.   ⏱️ Important Chapter Points & Exact Timestamps 0:00.6 Welcome to The Sovereign Man Podcast and The Awakening Podcast 0:05.9 Fifth Visit from Russell Paul Arthur 0:23.7 Russell Paul Arthur's Self-Introduction 0:42.7 Grace Private Society: A Sovereign Organization 1:01.7 Declaration of Independence from the United Kingdom 1:17.7 Grace Private Court: Handling Judiciary Matters 1:29.4 Creator of Grace Sovereignty Academy 1:59.6 System of Control and Extortion 3:18.8 The Importance of Private Courts and Corruption 3:52.7 Creating Something Outside the System 4:27.8 Current System Built on Fiction, Fraud, and Deception 5:31.7 Only Way is Out: Leave the System and Start Fresh 6:20.3 You Don't Win in Their System 6:58.4 Current Court System is a Tiered System 7:38.7 Judges Prevent Access to Court of Equity 8:05.0 All Property Locked into Public Trusts 8:25.7 System Works on Two Principles: Control and Extortion 12:24.4 What is a Public Estate? 12:49.1 Disclaimer and Advisory 15:14.5 Using Affidavit to Get Courts, Detectives, Bailiffs to Back Off 19:40.7 Public Trust Arrangements Explained 22:05.6 Deception and Fraudulent Measures: Grounds for Remedy 23:26.8 Undisclosed Arrangements: Grounds for Coming Back for Remedy 31:11.6 True Relief and Remedy Outside the System 32:08.5 The Private Estate Solution 35:37.0 Setting Up a Private Estate with Academy Members 37:54.3 Remedy and Solution: Estate Reclamation 39:10.3 The Paramount Claim 39:36.9 Estate Reclamation Done in Accordance with Law of Maxims of Equity 40:04.2 Maxim: "Equity Will Not Suffer a Wrong to Be Without a Remedy" 40:39.4 Maxim: "Equity Will Not Allow a Statute to Be Used as a Cloak for Fraud" 43:07.3 Lord Chancellery and Chancery Court of Equity 43:14.2 Equity as Remedy to Common Law 44:37.9 Most Courts Around the World Have Equity Built In 45:01.8 True Court of Equity Sits in Exclusive Equity 47:32.8 Court of Chancery: Highest of Highest Courts 47:52.9 Judges Prevent People from Going Up Through System 48:05.8 Creating Our Own Private Court with True Equity 49:50.5 Our Court is Justice by Consent 67:43.5 Estate Reclamation as Remedy and Solution 69:14.5 Maxim: "Equity Looks to the Intent and Not the Form" 70:19.1 Maxim: "Equity Regards the Beneficiary as the True Owner" 86:39 Closing Discussion and Fair Payment System 87:05.3 The 10-Week Trial System 87:37.7 10% Completion Rate and Serious Commitment Required 122:33.2 Academy Courses and Classes 122:50.7 10-Week Group Mentorship Sessions 123:04.2 Fully Informed Decision After 10 Weeks 123:19.4 Next Episode: Status Protection 123:22.7 Private Trusts and Formation 123:37.9 Operating in the Public Safely Through Private Trusts 123:47.6 Private Trusts as Lawful Avatars and Protective Shields 123:50.9 Final Links and Contact Information   TOTAL DURATION: 123 minutes 57 seconds  

In this episode, Alex and Wade clarify important aspects of Health Savings Accounts (HSAs), particularly focusing on the rules surrounding beneficiaries. They address common misconceptions about what non-spousal beneficiaries can do with HSA receipts after the account holder's death and emphasize the importance of utilizing HSA funds during one's lifetime. The discussion also touches on the implications for charitable giving when it comes to HSAs. Listen to the full episode here.

This week we drop another Q&A episode with my colleague, Mario Bernardi. In this episode we discuss Beneficiaries, Suitability, and What's My Number.

Send us Fan MailThe most important inheritance conversations are about trust, context, and relationships.Emily Bouchard, TEDx speaker, founder of Family Focused Wealth, and host of the Wealth Coherence Podcast joins Tony on the Get Ready Before Life Happens podcast to talk about why families need safe, transparent conversations around money, trust, and inheritance.They explore how trust, communication, and shared values help families build resilience, prepare beneficiaries, and reduce the emotional impact of inheritance and loss.Key Takeaways

For today's episode, four panelists (Prof. Hironori Washizaki, Prof. Willi Semmler, Prof. Aleksandr V. Gevorkyan, and Tato Khundadze) take part in a discussion on the extent of AI adoption in Japan, Germany, Armenia, and Georgia, who is truly benefitting from it, and what can be done to ensure that the technological progress is shared with everyone.To check out more of our content, including our research and policy tools, visit our website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.hgsss.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

Labour's employment spokesperson believes rising benefit numbers comes down to a weak economy. Latest MSD data shows almost 414 thousand people were receiving the main benefit at the end of June – up 1.9% year-on-year. 12.8% of the working-age population is drawing on the main benefit – up from 12.6% a year ago. Willow-Jean Prime told Ryan Bridge the stats reflect a failed government promise to improve the cost of living. She says cuts and delayed infrastructure projects have led to a loss of 20 thousand jobs in the construction sector alone. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Social Development Minister believes the latest Jobseeker numbers prove employers are keen to take on people on benefits. Latest MSD data shows a 1.9% increase year-on-year in people receiving the main benefit at the end of June. 12.8% of the working-age population is drawing on the main benefit – up from 12.6% a year ago. Minister Louise Upston told Mike Hosking 86,000 people also moved off the benefit. She says partnerships with employers have been developing over the last few years and is making a difference in creating long term sustainable jobs. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Chris’s Summary Jim and I dig into two beneficiary disputes as part of what we’re calling a “potpourri” EDU show: the 1930s Goodman Triangle life insurance gift tax dispute and a recent Montana Supreme Court ruling on an uncashed cashier’s check. We also discuss a bipartisan proposal to raise the home sale capital gains exclusion and a separate proposal to index capital gains for inflation more broadly. Jim’s “Pithy” Summary Chris and I dig into a variety of topics, starting with a court fight that traces back nearly a hundred years, something folks in the industry call the Goodman Triangle. Picture three people tied to one policy: an owner, an insured, and a separate beneficiary. Mrs. Goodman took out five life insurance policies on her husband, moved them into a revocable trust, and thought she was fine, until he died and the IRS said she’d made a taxable gift. She fought it and the court’s decision on the case still gets cited whenever a policy or an annuity has three different people sitting in those three roles. From there we get into a couple of proposals sitting in Congress right now. One would finally raise the exclusion on gains from selling your primary home, something that hasn’t budged since the late nineties even as home prices have doubled and tripled around the country. The House and Senate versions land in slightly different places, but both would roughly double the current numbers and index them for inflation going forward. The other proposal is a longer shot, backed by senators who don’t have much bipartisan goodwill behind them, and it would apply an inflation multiplier to stocks, real estate, and other capital assets so you’d only owe tax on the growth that’s actually real. We close with one of our beneficiary disputes out of the Montana Supreme Court: a husband pulls eighty thousand dollars out as a cashier’s check made out to himself, hides it in the house, and dies without a will. His wife cashes it, his son sues, and the ruling comes down to whether a gift was ever actually completed. The post A Potpourri of Beneficiary Disputes and Tax Laws: EDU #2628 appeared first on The Retirement and IRA Show.

Send us Fan MailBeing named executor is more than a title. It's a responsibility most people are not prepared for.Julie Rains, author and storyteller joined me on this episode of Get Ready Before Life Happens, to talk about the realities of settling a parent's estate and what it truly means to serve as an executor.Drawing from her personal journey, Julie shares practical lessons around cash flow, access to accounts, beneficiary designations, financial institutions, and why family conversations before a loss are one of the greatest gifts we can give.Key Takeaways

TOP RETIREMENT MISTAKES WHY BENEFICIARY DESIGNATIONS MATTER WATCH ON YOUTUBE Thad Ismart, CFP®, ChFEBC, CEPS Senior Financial Planner Tessa Hall Media and Communications Specialist About This Episode Tessa Hall speaks with BWFA Senior Financial Planner Thad Ismart about why beneficiary designations are one of the most overlooked parts of retirement planning. They explain how retirement accounts transfer, why beneficiary forms override a will, and when those designations should be reviewed. This episode is part two of BWFA’s Top Retirement Mistakes series, which explores common retirement planning mistakes and strategies to help avoid them. To learn more about retirement planning, visit our Financial Planning page. Read Full Description Beneficiary designations play a significant role in determining who receives your retirement assets. However, many people assume their will controls those accounts. In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with BWFA Senior Financial Planner Thad Ismart about beneficiary designations and why keeping them current is so important. They discuss qualified retirement accounts, common beneficiary mistakes, and how outdated forms can create unintended consequences after major life events. Thad also explains how beneficiary designations interact with wills and trusts and why reviewing them after marriage, divorce, births, or deaths is an important part of retirement planning. This episode is part two of BWFA’s Top Retirement Mistakes series. Top Retirement Mistakes Series Episode 1: Why You Need an Estate Plan Episode 2: Why Beneficiary Designations Matter Episode 3: Will You Spend Too Much in Retirement? Episode 4: The Retirement Risk Most People Miss Episode 5: RMD Mistakes That Can Cost You Episode 6: Why Retirement Planning Matters

As parents age, money can get more complicated—bill paying, account access, healthcare decisions, investment management, and eventually the possibility that someone else may need to step in. In this episode, Don and Tom walk through how families can start that conversation before a crisis hits. They cover when to begin talking, what adult children should know about accounts and spending, why durable powers of attorney need to be checked with custodians in advance, and the importance of reviewing wills, beneficiaries, and backup decision-makers. They also talk about the emotional side of these transitions, including independence, trust, and the danger of children projecting their own investing preferences—or financial self-interest—onto aging parents.Then they answer two listener questions: one about whether it's time to fire an evasive advisor charging 1% plus expensive funds, and another about alternative career paths in financial planning beyond the traditional CFP route.0:05 – Intro: the hard conversation families need to have about aging and money1:00 – When parents—or you—reach the point where financial help may be needed1:56 – Tom's family experience and the challenge of stepping in gracefully3:17 – Why families should talk early about money, spending, and where accounts are held5:24 – Account access, passwords, and why digital organization matters more than ever7:38 – Durable power of attorney: why you need one and why custodians should review it in advance9:01 – Backups for everything: POAs, wills, beneficiaries, and successor decision-makers10:02 – Why adult children should meet their parents' financial advisor before a crisis11:07 – When a trusted advisor can help if parents don't want children directly involved11:28 – How to approach the conversation as an adult child without expecting instant control12:28 – Don't project your own investing style onto your parents' retirement portfolio13:28 – The uncomfortable reality of greed and inheritance influencing family decisions13:40 – Why this belongs at the top of the planning checklist for older families14:07 – How to send your own questions to Talking Real Money14:58 – Listener question: Is it time to fire a wealth manager who won't answer basic questions?17:15 – Don and Tom's verdict on an advisor charging 1% while dodging accountability18:48 – Listener question: Are there good financial-planning career paths besides becoming a CFP?20:41 – The regulatory reality of giving investment advice for a fee22:32 – Relationship roles, planning roles, and the growing specialization inside advisory firmsQuestions? Comments? Click!

Chris Forsberg welcomes in Sports Illustrated's Tom Haberstroh to discuss the shocking trade of Jaylen Brown to the rival 76ers. Why this deal? Was the return enough? Tom makes the case for the Celtics roster playing better in games without Brown last season and breaks down why Payton Pritchard stands to benefit the most from Brown's departure.   00:00 - Tom shares his initial reaction to the trade 05:30 - Was it the right time to break up The Jays? 10:30 - Is the roster better without Brown? 15:30 - Does Pritchard benefit the most? 18:30 - Did the cap and draft lottery influence the deal? 21:00 - What are the plans for Paul George? WATCH every episode of the Celtics Talk podcast on YouTubeFollow NBC Sports Boston:NBCSportsBoston.comX @NBCScelticsFacebookInstagramTikTok Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ryan Bridge went full gangsta mode against Brian Tamaki making it clear of the hypocrisy that Tamaki is involved with and how any normal New Zealander would see his actions as concerning for someone who have numerous firearmsChloe Swarbrick and David Seymour clashed this morning over school lunches and lazy beneficiaries who fall asleep during the work afternoon "because of the P"The Ombudsman has upheld a complaint against the Prime Minister's Office (PMO) for its handling of an official information request, which resulted in a document showing industry lobbyists met with Christopher Luxon's chief policy adviser not being released.++++++++++++++++++++Like us on Facebook.com/BigHairyNetwork Follow us on Twitter.com/@bighairynetworkFollowing us on TikTok.com/@bighairynetworkSupport us on Patreon www.patreon.com/c/BigHairyNewsCheck out our merch https://bhn.nz/shop/Donate to our work https://bhn.nz/shop/donation/

Text the show! Congress just passed a major housing bill designed to increase affordable housing across America.But there's one question that rarely gets asked:Is affordable housing the same thing as affordable homeownership?In this Sequel Sunday, Chad Law takes a common-sense look at the new legislation, separating the headlines from the fine print. From tax incentives and zoning to voter psychology and government accountability, this episode explores why building more housing doesn't necessarily make it easier for Americans to own a home.Topics include: • Breaking down the new federal housing bill • Affordable housing vs. affordable homeownership • Why starter homes continue to disappear • The incentives driving housing policy • Taxpayer accountability • The growing gap between political headlines and economic reality

ACT is campaigning on a welfare clampdown this election, saying benefits should be a hand up not a way of life. It wants to be make it mandatory for all health and disability benefits to be issued by MSD approved, designated doctors. Beneficiary advocate Kay Brereton says the policy shows a complete lack of understand of some peoples reality. Brereton spoke to Lisa Owen.

Work and Income's former boss says ACT's new welfare policy is 'sensible'. Party leader David Seymour's pledging to restrict what beneficiaries can buy, via work-ready Jobseekers' payment cards after four months. It'd block spending on alcohol, gambling, tobacco and cash withdrawals - allowing only essentials like groceries and rent. Christine Rankin says they shouldn't spend taxpayer money on that anyway. "It's not their money, it's given to them to help them not be stuck in poverty, because benefits equal poverty." LISTEN ABOVESee omnystudio.com/listener for privacy information.

I've never been on a sickness benefit. But I imagine that, for anyone who is, the government telling you what you can and can‘t spend your benefit money on, and spying on you to make sure you toe the line would be pretty degrading. Tell that to the ACT Party, though. Not only that. In this policy announced yesterday, instead of your own GP signing you off for the sickness benefit, you'd need to see a government-approved doctor. Which sounds a bit like ACC, doesn't it? Last week, when we were talking about ACC, people were telling us about their dealings with ACC's own doctors and how it felt like their main priority was turning people down. Which is exactly what it would be like under this system David Seymour wants to introduce for the sickness benefit. He says a person's GP or specialist would still be able to provide medical history details, clinical notes and supporting evidence. But it would be doctors employed by the government who would decide whether someone qualifies. And we know what would happen, don't we? More and more people would be turned away. We know that, because the only reason David Seymour wants to make these changes, is to get less people on the benefit. David Seymour says these government-employed doctors would have one job. Getting people back to work. Which sounds all kind and supportive. But I don't buy that for a minute. Then there's this bit where he wants to stop paying the sickness benefit into people's bank accounts. Instead, the benefit would go onto a payment card that would track how the money is spent and wouldn't let people spend it on alcohol, gambling and tobacco, or get cash out. This would kick-in after someone has been on the benefit for four months. I'm not sure which of these two ideas is worse. Getting through the hoops with these government-employed doctors, as I say, sounds like ACC all over again. But I actually think telling people what they're allowed to spend the benefit money on and forcing them to use this special card that would be monitored by the government would be nothing short of degrading. Because, yes, I know there will be people out there on the sickness benefit who are taking the mickey. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Thinking about buying property in Mexico? Before you sign a contract or transfer funds, make sure you understand the legal process that protects your investment. In this episode of Retirement in Mexico – Live by Design with Taniel Chemsian, Taniel sits down with Spencer Richard McMullen, an experienced attorney specializing in Mexican real estate law, to uncover the legal essentials every foreign buyer should know before purchasing property in Mexico. From understanding bank trusts and verifying property titles to navigating deeds, contracts, escrow services, and ownership structures, Spencer shares practical advice that can help buyers avoid costly mistakes and confidently invest in Mexican real estate. He also explains why due diligence is far more important than simply trusting the seller, and how proper legal guidance can protect your investment for years to come. Whether you're planning to retire in Mexico, purchase a vacation home, or invest in property south of the border, this episode provides actionable insights into the legal process, common pitfalls, and the critical steps every foreign buyer should take before closing a deal. In this episode, you'll learn: How foreigners can legally own property in Mexico What a fideicomiso (bank trust) is and when it's required The importance of verifying titles, deeds, and ownership records Common legal mistakes foreign buyers make—and how to avoid them When escrow should be used during a real estate transaction Red flags to watch for before signing a purchase agreement How marriage, inheritance, and estate planning affect property ownership Why working with an experienced Mexican real estate attorney is essential Whether you're just beginning your research or preparing to buy your dream home in Mexico, this episode will help you navigate the legal landscape with greater confidence and peace of mind. Key Moments :  05:31 Reviewing property documents and inspections 08:34 Resolving property ownership issues 12:50 Beneficiaries and land trust rules 16:46 Paying taxes after a spouse dies 19:09 Practical tips for home buying 22:16 Abuse of rental agreements 23:46 Verifying identity with fingerprints   How to contact Spencer Richard McMullen :  Email: chapalalegal@gmail.com Website: https://www.chapalalaw.com/ FaceBook: https://www.facebook.com/p/Spencers-Office-SC-Abogados-100063178031036/   Feeling overwhelmed about buying in Mexico? Chat TCP, our AI-powered assistant, guides you to stress-free homeownership. Click here to start using Chat TCP: https://tanielchemsian.com/chat-tcp/?utm_source=youtube_lbd_mex   Want to own a home in Mexico? Start your journey with confidence - download your FREE “Buyer's Guide” now for expert tips and clear steps to make it happen! Click here - https://tanielchemsian.com/buyers-gui...   Discover why everyone is falling in love with Puerto Vallarta real estate: https://tanielchemsian.com/puerto-vallarta-real-estate/   Join the ‘Taniel Chemsian Properties' YouTube channel to learn what you need to know about Puerto Vallarta real estate. https://www.youtube.com/@TanielChemsian   Join our ‘Live By Design: Mexico Edition' podcast: Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/0VfClD5... Amazon: https://music.amazon.com/podcasts/032... YouTube: https://www.youtube.com/@livebydesignmexicoedition   Contact Information: Email: info@tanielchemsian.com Website: https://tanielchemsian.com/ Mex Office: +52.322.688.7435

How do you become a grateful person?In this reflection on Psalm 103, John Ortberg explores one of the great themes of spiritual life: gratitude.At the center of Psalm 103 is a simple command:"Forget not all His benefits."Drawing from philosopher Robert C. Roberts and the rich imagery of the Psalm itself, John explores why gratitude grows through remembering and why forgetting often leads to entitlement.This episode explores:- Psalm 103 and gratitude- The meaning of the soul- The logic of gratitude- God's forgiveness and compassion- Remembering God's benefits- Gratitude as a spiritual practiceScriptures:- Psalm 103- Luke 7- Deuteronomy 6- Leviticus 19#Psalm103 #JohnOrtberg #Gratitude #Thankfulness #Prayer #SpiritualFormation #ChristianFaith #BibleStudy #Psalms #Soul

10 Commonly Misunderstood Insurance Terms Explained Episode 389 – Sometimes people get confused by all the jargon used in the financial services industry. It's difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of ten terms, commonly used in the life insurance industry, that you might not fully understand. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 389 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: we explain 10 commonly misunderstood life insurance terms. Sometimes people get confused by all the jargon used in the financial services industry, and life insurance is no exception. It can be difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of 10 terms, commonly used in the life insurance industry, that are helpful to have a basic understanding of: Underwriting. Before making any sort of offer to you, a life insurance company may need to evaluate your health. For example, life insurance companies generally check to see whether you are a tobacco user or not. A nonsmoker generally has a longer life expectancy than a smoker and thus will often qualify for a better rate and reduce the cost. On the other hand, smoker or not, if you're in particularly poor health, the company may not be able to offer you coverage at all. Beneficiary. Life insurance policies will usually list a beneficiary. That is the person—or entity—who receives the life insurance policy's death benefit if the insured dies. Note that any beneficiary designation under a life insurance policy is separate from beneficiary designations in your will. You could leave your entire estate to your children via your will, but if someone else is the beneficiary of your life insurance policy, that person receives the proceeds. The owner of the policy has the right to change the beneficiary (or beneficiaries) as their needs or desires change and it is recommended to review all of your beneficiaries annually or during any change to your planning strategy. Term Life Insurance. Term life insurance is the simplest form of life insurance. You will pay a premium that covers a specific term of years. 10, 20 or 30 years are common terms for one of these policies. If you die during the designated term, your beneficiary will receive the death benefit. It is generally used when you have a temporary need for insurance, such as paying off a mortgage or funding your child's college education if you're no longer there. Permanent Life Insurance. Unlike a term policy, permanent life insurance is designed to provide lifetime coverage. With most policies, as long as you pay your premiums, the policy stays in force for life, and the death benefit is guaranteed by the insurance company. It also usually provides a cash value. An example of permanent insurance is whole life insurance. Cash Value. With many permanent life insurance policies such as a whole life insurance policy, part of your premium pays the cost of the death benefit, and part of it goes into an account inside the policy and grows on a tax-deferred basis. As a policyowner, you have the right to access these funds if you wish via loans or withdrawals. The funds could potentially be used for major expenditures or cash emergencies if needed. Dividends. It's not just your stock portfolio that can pay dividends; your life insurance policy might do so as well. Life insurance dividends are usually associated with mutual life insurance companies such as Security Mutual Life. Dividends are distributed to policyholders from the insurer’s surplus earnings. They are not guaranteed. Grace Period. This is essentially an automatic safety net that exists on every life insurance policy. If you miss a premium payment, you generally have an extra 30 days past the due date before the policy lapses to pay your premium. And, if you die during the grace period, the full death benefit is payable, although there may be a deduction for any missed premium.[1] Paid-Up Additions. Paid-up additions are like miniature life insurance policies within a whole life insurance policy. Each paid-up addition adds a little bit of extra paid-up death benefit and guaranteed cash value to your policy without ongoing premium. Paid-up additions are often created through a whole life policy rider, although if you have a dividend-paying policy, you might be able to choose to take your dividends as paid-up additions. Since paid-up additions are fully paid up portions of death benefit, they can be surrendered for needed cash by the policyowner, or to pay the policy's premiums, if needed. Doing so will reduce the guaranteed cash value and death benefit.  Accelerated Death Benefit. This allows you to receive a portion of the death benefit while you are still living and is often made available as a rider assigned to specific circumstances such as chronic, critical or terminal illness. It is designed to help provide access to cash for medical bills, nursing care, or other costs associated with the qualifying event. If the advance payout from the life insurance policy is due to terminal illness, it is usually exempt from income taxes.[2],[3] In many circumstances, an accelerated death benefit rider is a simple add-on to a life insurance policy with no separate charge. And finally… Chronic Illness Rider. A chronic illness rider is a type of accelerated death benefit rider that gives you access to part of your death benefit while you are still alive. To take advantage of a chronic illness rider, you need to be certified by a doctor as someone who is ill and not expected to recover. In many cases you will be eligible if you are unable to perform at least two of the six “Activities of Daily Living,” or ADLs, without assistance. These include things like bathing, getting dressed, eating, etc.[4] All these terms can be very confusing. Some may be applicable to you; some may not. The good news is that, if you're contemplating a new life insurance policy, you don't need to go it alone. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your planning team. They'll coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Ethos Life. “Understanding the Life Insurance Grace Period.” Ethos.com. https://www.ethos.com/life-insurance/life-insurance-grace-period/ (accessed June 4, 2026). [2] Kagan, Julia. “Understanding Accelerated Benefits in Life Insurance Policies.” Investopedia.com https://www.investopedia.com/terms/a/accelerated-benefits.asp (accessed June 4, 2026). [3] Stimpson, Jeff. “Form 1099-LTC Explained: Long-Term Care and Death Benefits.” https://www.investopedia.com/1099-ltc-form-what-to-know-about-the-1099-ltc-form-4781748 (accessed June 4, 2026). [4] Progressive Insurance. ”What is a life insurance critical or chronic illness rider?” Progressive.com. https://www.progressive.com/answers/critical-chronic-illness-rider/ (accessed June 4, 2026).   More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Let us know what you think about this episode and share it with a friend!We sit down with Pam Baker, founder of "Widows Who Wine" and author of "Where's the Key to the Safe"  to talk about rebuilding life after loss through friendship, purpose, and practical preparation. We also get into the uncomfortable but essential money and paperwork realities that hit families during grief and how to make them easier. • Pam's path from cystic fibrosis advocacy to widowhood leadership • Why Widows Who Wine is a social sisterhood rather than a grief group • How loneliness shows up after loss and what helps women rejoin life • The “business of death” and why probate tasks feel brutal in grief fog • The widow tax and the hidden ways cash flow can drop • How to choose financial help and how various fee structures work • Common traps like authorized user cards and lack of account access • Beneficiary reviews that can override a will and trigger conflict • Writing letters to children to explain decisions and reduce infighting • How to start a Widows Who Wine chapter with support from Pam and her teamConnect with Pam:Order her book: https://lastinglegacyconsulting.com/book/Connect via her website: https://widowswhowine.com/Find her on Instagram: https://www.instagram.com/widowswhowine Subscribe to the Pivotal People newsletter for new episodes, giveaways and more: https://stephanienelson.com/newsletter/ Learn more at StephanieNelson.comFollow us on Instagram  @stephanie_nelson_cmFollow us on Facebook at CouponMomOrder Stephanie's book Imagine More: Do What You Love, Discover Your Potential 

Most people spend time deciding who should inherit their assets. Far fewer consider what happens if that person isn't around to receive them. In this episode, Nick tackles one of the most overlooked estate planning questions: what happens when a beneficiary passes away before you do? If your estate plan hasn't been reviewed in years, or if you've never thought about these "what if" scenarios, this conversation highlights why future-proofing matters. Here's some of what we discuss in this episode:

What if a single form you filled out decades ago could override your will and completely change where your assets end up? For millions of Americans, outdated beneficiary designations create costly estate planning mistakes that can leave loved ones fighting legal battles, paying unnecessary fees, or losing inheritances altogether.In this episode of The Agent of Wealth Podcast, host Marc Bautis explains why beneficiary designations are one of the most overlooked components of a financial plan. Through real-life examples and practical guidance, Marc breaks down how retirement accounts, life insurance policies, brokerage accounts, and bank accounts are transferred after death — and why keeping your beneficiary information current is essential to protecting your family's financial future.In this episode, you will learn:Why beneficiary designations often override your will and trust documents.How outdated or missing beneficiaries can create expensive legal and probate complications.The difference between assets that pass through probate and those that transfer directly to beneficiaries.How to conduct a comprehensive beneficiary audit across all of your financial accounts.And more!Tune in for a step-by-step guide to reviewing your beneficiary designations, avoiding common estate planning pitfalls, and ensuring your assets are distributed according to your wishes.Resources:Episode Transcript & Blog | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory Call

Jan Rogers Kniffen discusses how retailers may see a short-term boost from the World Cup, as he expects Adidas and Nike (NKE) to benefit from investor sentiment. Gains for Dick's Sporting Goods (DKS), Academy Sports (ASO), Puma, Fanatics, and On Holding (ONON) are ones Jan sees being more limited. Tom White walks through an example trade using Nike.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

Conflict and displacement do more than destroy homes, livelihoods, and infrastructure. They also fracture the social relationships through which people sustain dignity, identity, and collective life. Yet humanitarian responses often focus primarily on individuals as beneficiaries, measured through categories of vulnerability, targeting, and service delivery. In many conflict settings, this approach can actively erode the communal bonds, local agency, and relational structures that communities themselves rely on to survive and recover. In this post, part of our new series “Delivering for people in an evolving humanitarian landscape”, Eberechukwu Owuamanam, Jesuit scholastic and humanitarian practitioner, draws on experiences from conflict-affected and disaster-affected communities in Nigeria, as well as African relational ontology, to argue that humanitarian action should move beyond models centered primarily on intervention and delivery. Drawing on concepts including Ubuntu, Igwebuike, and the Ijeluwa framework, he argues for approaches grounded in accompaniment, practice that strengthens, rather than replaces, the relational networks through which dignity and recovery become possible.

Earlier this year, a Christchurch businessman was found borrowing millions of dollars against his family trusts for his clothing company - racking up a $3-million dollar spend. His sister prompted legal action, and two homes had to be sold as collateral. But that brings up a question - what can we leave behind for our children and family that won't just be squandered or swindled? Trusts and inheritance is a something most families will have to deal with when older-relatives pass, so how assured can we be that assets are protected? Managing Director for New Zealand Family Trust Servicers, Janet Xuccoa joins Tim Beveridge for Smart Money... LISTEN ABOVESee omnystudio.com/listener for privacy information.

Stijn Schmitz welcomes Dr. Nomi Prins to the show. Dr. Nomi Prins is Founder of Prinsights Global and Substack. The discussion opens with a broad assessment of global economic headwinds, including the ongoing blockage of the Strait of Hormuz and rising bond yields. Dr. Prins explains that even a hypothetical resolution to the strait crisis would not immediately ease supply backlogs, keeping oil prices elevated and contributing to persistent inflation. She notes a significant dislocation between struggling economic confidence and stock markets reaching all-time highs, fueled by large asset funds and cash waiting on the sidelines. The conversation shifts to the beneficiaries of supply disruptions, where Dr. Prins sees value in oil producers outside the Middle East, such as those in Colombia, which can bypass the strait. She then highlights uranium as a critical, underappreciated story, emphasizing that nuclear energy's role in powering data centers and AI creates surging demand against a backdrop of severely constrained supply, with new mines taking up to 18 years to develop. This supply deficit, she argues, makes current uranium prices appear very low. Addressing inflation and central bank policy, Dr. Prins anticipates that while short-term rates will likely remain unchanged, the Federal Reserve may increase long-term bond purchases, effectively reawakening quantitative easing to manage debt servicing costs. She believes this will not significantly stimulate the broader economy but that real growth will come from hard assets and commodities like copper and silver, which are essential for electrification and in structural deficit. On gold, she remains bullish, citing its stability and the fact that central banks now hold it as their top reserve currency, viewing it as a long-term diversifier. She maintains a year-end gold price target of $6,000. The interview concludes with Dr. Prins pointing to significant investment opportunities in junior mining, particularly in copper, uranium, and rare earth elements, for investors who can look past current geopolitical volatility. Timestamps: 00:00:00 – Introduction 00:00:41 – Global Economy Headwinds 00:01:08 – Strait of Hormuz Disruptions 00:03:20 – Oil Price Outlook 00:06:30 – Oil Producer Opportunities 00:09:43 – Uranium Energy Security 00:13:00 – Commodity Supply Shortages 00:18:28 – Fuel Shortages 00:20:40 – Inflation and QE Outlook 00:26:46 – Gold Market Stability 00:31:33 – Mining Sector Investments 00:35:00 – Concluding Thoughts Guest Links: X: https://x.com/nomiprins Website: https://nomiprins.com Substack: https://prinsights.substack.com Dr. Nomi Prins as a Wall Street insider and outspoken advocate for economic reform, Nomi Prins is a leading authority on how the widespread impact of financial systems continues to affect our daily lives. She has spent decades analyzing and investigating economic and financial events at the ground level and meeting with those that shape the world’s geopolitical-economic framework. She continues to break stories by conducting independent research, writing best-selling books, and traversing the globe to share her knowledge and demystify the world of money. Before becoming a renowned journalist and public speaker, Nomi reached the upper echelons of the financial world where she worked as a managing director at Goldman Sachs, ran the international analytics group as a senior managing director at Bear Stearns in London, was a strategist at Lehman Brothers and an analyst at the Chase Manhattan Bank. During her time on Wall Street, she grew increasingly aware of and discouraged by the unethical practices that permeated the banking industry. Eventually, she decided enough was enough and became an investigative journalist to shed light on the ways that financial systems are manipulated to serve the interests of an elite few at the expense of everyone else.

How do we move the needle from simple charity to true, lasting systems change?  Megha Desai, President of the Desai Foundation, joins the podcast to share how they have impacted over 12 million lives by treating dignity as a measurable currency. If you want to catch more deep dives into the global desi and diaspora experience, hit the Subscribe button to join our community!In this episode of TRUST ME I KNOW WHAT I'M DOING, host Dr. Abhay Dandekar sits down with Megha to explore the powerful intersection of big data and human-centered storytelling. From scaling a modest family ethos of abundance into a globally recognized public non-profit, Megha reveals what it takes to operate an impact organization like an entrepreneurial startup. We also dive deep into the global movement for menstrual equity, shifting the narrative from control to care, and what it truly means to build a sustainable infrastructure of dignity across rural India.In this episode, we cover:• Generational Shepherding: Scaling a family ethos of abundance.• The Startup Mindset: Approaching global philanthropy like a venture pitch• The Currency of Dignity: Bridging corporate investors and rural villages• Data vs. Storytelling: Why the story is the arrow tip but data is what pierces through• Menstrual Equity: Confronting global stigmas to drive health, literacy, and GDP-------------------------Chapters:00:00 Introductions and Identities04:00 Generational Shepherding: Scaling a Family Ethos of Abundance05:55 Moving from a Family Foundation to an Entrepreneurial Startup Model09:45 The Currency of Dignity: Bridging Corporate Donors and Rural Villages13:03 Active Listening in Boardrooms and Villages 17:49 Staying Loyal to Beneficiaries 21:26 Sponsor Break: Travelopod23:55 Collaborative Ecosystems and Sharing Information for Greater Impact  25:58 Menstrual Equity: Confronting Global Stigmas 29:46 Unlearning Assumptions, Cultivating Growth, Sustaining Empowerment35:08 Creating True Systemic Change and Finding Personal ConnectionConnect with Megha Desai & The Desai Foundation:• Website: https://thedesaifoundation.org/• Personal: https://meghadesai.com/Shout outs this week:• Spelling Bee Champ Shrey Parikh• Air conditioners everywhere• Primary voters across the US and especially in California#TheDesaiFoundation #MeghaDesai #MenstrualEquity #SystemicChange #WomenEmpowerment #TrustMeIKnowWhatImDoing #SouthAsianVoices #DiasporaStories #SocialImpact --------------------------Trust Me I Know What I'm Doing | Dr. Abhay DandekarA mirror and window for global Indians and South Asians through conversation.Every week, we share chats with artists, leaders, musicians, chefs, experts, change makers, and innovators from the home and diaspora - sharing their journeys and motivations.Support our sponsors: Start your journey with personalized travel support at https://vacation.travelopod.com/For enquiries

Send us Fan MailOn this special Mother's Day episode of Family Abide, we honor the memory of my mother and reflect on the lessons that live beyond a lifetime.The conversation starts with laughter and childhood stories — including whether I got “Michael Jackson beatings” with a belt or the reality of getting hit with a switch growing up. From there, we transition into one of the most important financial conversations families often avoid: beneficiaries.We break down why every account should have a beneficiary listed so your money goes where you intended instead of getting tied up or lost. We also discuss how to thoughtfully choose beneficiaries, why every person should not automatically be included, and how wise planning protects the people you love most.This daddy-daughter conversation is filled with humor, heart, family memories, and practical financial wisdom that every family needs to hear.Support the showConnect with Me!familyabide.cominstagram.com/familyabidetiktok.com/@familyabidetwitter.com/familyabideyoutube.com/@familyabide

Pastor Josh Shideler continues preaching through Titus. This week, as Paul pivots to the church's relationship with the world, we appreciate this principle: made new by mercy, move out in empathy.

Mildred V. Palmer, Founding Partner at Navigant Law Group, joins Jon Hansen on Your Money Matters to discuss all manners of trusts, power of attorney, and answers questions from texters and callers. For more information, call (847) 253-8800 for a free consultation.

Episode  ·  May 30, 2026 What to Do When You Inherit Money: The Rules, the Risks, and the Right Moves The Tom Dupree Show|Dupree Financial Group|dupreefinancial.com|859-233-0400 Episode Description Inheriting money should feel like good news — and it often is. But the moments surrounding an inheritance are rarely straightforward. There’s grief. There’s urgency. There’s a sudden responsibility for assets you didn’t plan for, invested in ways not designed for your situation. In this episode, Tom Dupree and Lead Advisor Mike Johnson walk through what actually happens when wealth transfers from one generation to the next — and what to do about it. The conversation covers the full spectrum of inherited assets: taxable investment accounts with stepped-up cost basis, life insurance proceeds, annuities with embedded tax liabilities, and the increasingly complicated world of inherited IRAs. Tom and Mike explain how the SECURE Act of 2019 effectively ended the stretch IRA, what the 10-year rule now requires of most non-spouse beneficiaries, and why failing to plan around required annual distributions can trigger a decade of preventable tax consequences. The episode also covers practical strategies for current asset owners — how to use appreciated stock gifts to rebalance efficiently, when to let a legacy holding ride to pass a stepped-up basis to heirs, and why having all parties (investment advisor, CPA, and attorney) on the same page before a transfer happens makes everything smoother. Knowing what you own and why you own it isn’t just good advice for volatile markets — it’s the foundation of a plan your heirs can actually build on. Topics Covered The gray wave: why trillions in wealth are changing hands over the next 15 years The 90-day rule: why pausing before making any major financial move protects you Stepped-up cost basis on inherited taxable accounts — how it works and why it matters Tax treatment differences between inherited IRAs, annuities, and life insurance proceeds The SECURE Act’s 10-year rule for inherited IRAs and required annual distributions Exceptions to the 10-year rule: spouses, minor children, disabled beneficiaries, and siblings within 10 years Using inherited IRA withdrawals to fund Roth conversions on your own accounts Gifting appreciated stock to charity as a tax-efficient rebalancing strategy Why beneficiary designations and estate coordination require regular review How Dupree Financial Group coordinates with CPAs and attorneys to quarterback inheritance planning Key Takeaways Pause before you act. An inheritance often arrives during an emotionally charged time. Waiting 90 days before making any major gifting, investment, or debt payoff decisions keeps emotion out of choices with long-term consequences. Not all inherited assets are taxed the same. Taxable investment accounts typically receive a stepped-up cost basis — wiping out embedded capital gains for the beneficiary. Life insurance proceeds are generally income-tax-free. Annuities and inherited IRAs carry ordinary income tax obligations. Knowing the vehicle determines the strategy. The stretch IRA is gone. The SECURE Act of 2019 eliminated the ability for most non-spouse beneficiaries to stretch inherited IRA distributions over their lifetime. A 10-year withdrawal window now applies, with required annual distributions each year — not just a lump sum in year ten. A withdrawal plan for an inherited IRA is not optional. The IRS requires distributions each year over the 10-year period. Without a coordinated strategy, beneficiaries can face unexpected income spikes, higher tax brackets, and lost reinvestment opportunities. Gifting appreciated stock beats gifting cash. If you plan to give to charity anyway, donating appreciated shares instead of writing a check eliminates the capital gain for you, produces no tax consequence for the charity, and frees up cash to repurchase the same investment at a higher cost basis. Beneficiary designations are the most overlooked planning tool. Outdated or missing designations create probate complications and can override your wishes entirely. Regular reviews — coordinated across investment accounts, retirement plans, and insurance — are essential. Coordination between advisors prevents costly mistakes. Inheritance planning sits at the intersection of investments, taxes, and legal structure. Having your financial advisor, CPA, and attorney aligned — not working in silos — is the difference between a smooth transition and a decade of cleanup. The income approach applies to inherited assets, too. Inherited portfolios that aren’t generating income need to be repositioned around your actual retirement cash flow needs. A growth-oriented portfolio you’ve inherited wasn’t built for your life — it needs to be evaluated in the context of your plan. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is set up to generate income — whether you’ve recently inherited assets or simply want to know what you own and why you own it — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call:859-233-0400|Visit:dupreefinancial.com The post What to Do When You Inherit Money: The Rules, the Risks, and the Right Moves appeared first on Dupree Financial.

Pastor Wayne Van Gelderen shares biblical truth that will bring hope and comfort in these uncertain days. May we draw closer to God through this time and impact those around us for eternity. https://fallsbaptist.org https://baptistcollege.org https://www.theegeneration.org https://ontovictorypress.com If you'd like to support this ministry - https://fallsbaptist.org/give/

Christopher Della Fave turns to AI companies beyond Nvidia (NVDA) and other tech mega caps he sees as winners in the next leg of the AI trade. He urges investors to find companies profiting from AI instead of just riding the coattails of trends. Christopher helps investors separate the hype from fundamentals. ======== 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

In this Dialogue episode of The Synopsis, we discuss S&P 500 valuations and concentration, and provide short thoughts on Constellation Software, Intuit, Sea Limited, and Mercado Libre.  YouTube Video Links: S&P 500 Concentration  Five Minute Money Newsletter Free Sign Up   ~*~ You can also get a free trial to AlphaSense to read 200k+ expert calls through this link.  ~*~ For full access to all of our updates and in-depth research reports become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. -*-*-*-*-*-*-*-*-*-*-*-*-*-*- Show Notes (0:00)  — S&P 500 Concentration a Risk? (20:40)  — Adobe Report Tease (23:18)  — Intuit Earnings Review (36:12)  — CSU Earnings and AGM (44:34)  — Why AI is a Beneficiary for Axon (49:17)  — Mercado Libre Earnings Takeaways and Risks (56:38)  — Sea Limited Earnings Takeaways and Risks -*-*-*-*-*-*-*-*-*-*-*-*-*-*- For full access to all of our updates and in-depth research reports, become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. *-*-*- Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. This may change without notice. Please see Speedwell's and Drew Cohen Money's full disclaimers here:  https://speedwellresearch.com/disclaimer/ https://www.drewcohenmoney.com/disclaimers 

What if your estate plan is less about money and more about the legacy you leave behind? In this episode, Frank and Frankie Guida discuss how estate planning goes beyond distributing assets, focusing on aligning your financial decisions with your family’s unique needs and goals. They explore common oversights like missing beneficiaries, probate costs, and lack of planning for blended families, while emphasizing the role of communication and personalization. The conversation also highlights how retirement income, lifestyle choices, and legacy intentions all connect when shaping a thoughtful, efficient estate strategy. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the critical importance of reviewing your Beneficiary Designations and how one simple oversight could create major complications for your loved ones. From 401k Beneficiary forms to IRA Beneficiary rules, they break down real-world examples showing how outdated or incomplete beneficiaries can derail even the best Estate Planning intentions. They also explain why beneficiary forms override wills and trusts and how failing to verify your beneficiaries could unintentionally send your assets to the wrong person.Listen in to learn about key Estate Planning tips that can help Protect Your Family, preserve Family Wealth Planning goals, and reduce unnecessary taxes for future generations. Radon and Murs explain concepts like Spousal Consent, Inherited IRA distribution rules, Per Stirpes, Per Capita, and disclaimer strategies that can dramatically impact your Retirement Beneficiaries. Whether you are building your retirement checklist, planning retirement, or trying to secure your retirement for the next generation, this episode provides practical guidance to help protect your assets and ensure your beneficiary wishes are carried out properly.In this episode, find out:Why Beneficiary Designations override wills and trusts in Estate PlanningThe difference between a 401k Beneficiary and an IRA Beneficiary when it comes to Spousal ConsentHow Inherited IRA rules under the SECURE Act can impact your family's taxesThe difference between Per Stirpes and Per Capita beneficiary designationsWhy reviewing beneficiaries regularly is essential for Retirement Planning and protecting family wealthTweetable Quotes:“The beneficiary form trumps everything. You could have anything you want in your will, but if the beneficiary designation says something different, the beneficiary designation wins.” – Radon Stancil“It's not just about getting the money to the right person. It's about getting it to them in the most tax-efficient way possible.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

A beneficiary is someone who receives benefits from something, like a trust, will, or life insurance policy.

0:00:00 Introduction 0:00:16 President's Message 0:04:44 News from Washington 0:13:35 Food Drive Day is Saturday, May 9th 0:16:44 Former Assistant Secretary-Treasurer Willoughby dies 0:19:44 Negotiations continue; NALC to hold Collective-Bargaining Conference 0:23:13 President Renfroe appoints NBA 0:24:37 National convention updates 0:27:35 For your information 0:38:26 Carrier donates kidney to local toddler 0:49:01 Carriers and the mail make news online 0:56:13 Life insurance made simple 1:12:09 Turning a love of art into a love of reading 1:16:00 Practice makes perfect for MDA 1:34:47 Proud to Serve; Honoring heroic carriers 1:57:21 Veterans Group; Making deposits for military service 2:04:58 Veteran profile: Amanda Greer 2:14:52 Collective bargaining—negotiating work rules by Executive Vice President Paul Barner 2:20:36 Steel sharpens steel by Vice President James D. Henry 2:25:54 The Reciprocal Agreement, obtaining a branch checking account by Secretary-Treasurer Nicole Rhine 2:32:12 Showtime! by Assistant Secretary-Treasurer Mack I. Julion 2:38:50 City Delivery, Carrier Academy updates by Director of City Delivery Christopher Jackson 2:45:19 Failure to settle by Director of Safety and Health Manuel L. Peralta Jr. 2:49:43 Maximize your Thrift Savings Plan by Director of Retired Members Dan Toth 2:56:04 Beneficiaries by Director of Life Insurance James W. “Jim” Yates 3:02:57 Women's health by Director of Health Benefits Stephanie Stewart 3:09:30 Contract Talk; Special route inspections 3:17:02 Schedule awards, Part 1 Regional Workers' by Regional Workers' Compensation Assistant Coby Jones 3:23:11 MDA Report: Quarter 1 Branch Challenge results

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

What happens if your TSP beneficiary isn't who you thought it was? This is a situation we've seen more often than you might expect, and it can create real issues for your family if not addressed in advance. If you're within 5–10 years of retirement, this is one area you don't want to overlook. Want help reviewing your retirement plan? Schedule a conversation with a professional to walk through your options and support more informed decision-making: https://plan-your-federal-retirement.com/schedule-your-personal-consultation/utm_medium=youtube&utm_source=youtube&utm_campaign=youtube Have a retirement question on your mind? Give us a call at 907-931-1775 and leave us your question - we're here to help create solutions that fit your goals!

In this NBN episode, host Hollay Ghadery speaks with JoAnn McCaig about her new novel, Beneficiary (U Calgary Press, 2026).  A novel about what it means to face the world as a woman on her own terms from the award-winning author of The Textbook of the Rose and An Honest Woman. Seren was doomed to a country club cage and a leash of pearls until out of the blue on a Tuesday night in 1969, she found herself suddenly saying “no.” More than fifty years later, she looks back on her life and each choice that followed, beautiful, tragic and completely her own. Leaving her family for the freedom of the 1970s, Seren began a quest to discover how to live in this world as her true self—a quest that would take her from the heady countercultural milieu of communal houses on Vancouver Island through marriage and motherhood, divorce, and an unexpected inheritance that changed everything. Suddenly wealthy, Seren must wrestle with money, with class, and what it means to have more than most. What does it mean to live truly, through tragedy and heartbreak? How do we create ourselves in a world that keeps changing? What does it mean to have money when so many people don't? A richly written, fiercely feminist novel imbued with real bravery, Beneficiary weaves the past and the present in a rich tapestry of life. JoAnn McCaig is the author of The Textbook of The Rose and An Honest Woman. She is the proud owner of Shelf Life Books, an independent bookstore in her hometown of Calgary, AB. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Jim and Chris discuss emails on Social Security survivor benefit strategies, IRMAA exceptions, Roth conversion timing during market downturns, and the implications of naming IRA beneficiaries directly versus routing assets through a trust. (8:15) A listener whose husband plans to delay Social Security to 70 while she claims early at 62 asks whether she can still receive the maximum survivor benefit if he passes away before reaching 70. (19:30) The guys field a question about whether the SSA-44 reduced work exception to IRMAA applies when the reduction in earned income is far too small to bring MAGI below the applicable tier. (31:00) Jim and Chris address whether it makes sense to front-load Roth conversions during a market downturn so that subsequent recovery gains are captured tax-free. (1:06:00) George wants to better understand the mechanics a trustee must navigate when distributing IRA assets to trust beneficiaries, compared to simply naming beneficiaries directly on the account. The post Social Security, IRMAA, Roth Conversions, IRA Beneficiaries: Q&A #2618 appeared first on The Retirement and IRA Show.