Podcasts about beneficiaries

Money Talks is hosted by Dr Nancy Lottridge Anderson, President of New Perspectives and Ryder Taff, Portfolio Manager at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, we talk about beneficiaries. If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast. Hosted on Acast. See acast.com/privacy for more information.

I sit down with former Oklahoma state senator and current Oklahoma director of the Freedom Caucus, Nathan Dahm. We discuss the rise of Islam in Oklahoma and the controversy surrounding the Broken Arrow planning commission voting to recommend the construction of a large mosque to the city council - in spite of hundreds of local residents protesting it. As usual, Dahm anchors his argument in the the constitution to present a clear-minded explanation of why Islam is not compatible with Western society.    And check out my amazing sponsors!    Motus Health - https://motushealth.com They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com Michael Mcguire with McGuire Capitol    https://mcguirecap.com We pride ourselves on providing retirement income strategies to Bethany, OK and the surrounding communities. We take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more Our end goal is to help create financial clarity and to promote multi-generational wealth. We offer: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning  https://mcguirecap.com   Stevens Trucking  https://stevenstrucking.com  Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com

As tax season looms, there is one thing most people are thinking about: Keeping the IRS out of their pockets! That's why this week Randy Barkley and Jeremiah & Laura Lee break down what really happens—tax-wise—when you inherit money, investments, and other assets. They walk through step-up in basis for stocks and real estate, why some taxes effectively “disappear” at death, and where they absolutely do not. The conversation covers annuities, life insurance, qualified accounts, RMD rules, and the organizational headaches that come with sorting through multiple accounts, statements, and beneficiaries. If you've ever wondered, “What actually happens when I inherit this?” or “How do I avoid making an expensive tax mistake?”, this episode gives you a practical roadmap. We Cover: – Why the tax implications of inheritance can be bigger than most families expect – How the step-up in basis works for stocks and real estate—and when it's a major tax saver – Why capital losses from a parent's lifetime usually do not carry over to heirs – How staying organized with account records and cost basis helps beneficiaries avoid costly errors – The key differences in how annuities and life insurance are taxed – Why inherited IRAs and other qualified accounts are taxed as ordinary income – How RMD rules work for beneficiaries and what happens if they're missed – Ways charitable strategies can help offset higher taxes after an inheritance – Why having the right financial and tax team matters when multiple assets and heirs are involved Don't Miss These Moments: 00:00 – Navigating Inheritance and Tax Implications 02:53 – Understanding Step-Up in Basis 06:01 – Managing Losses and Staying Organized 08:48 – Real Estate, Community Property, and Ownership Structure 12:03 – Annuities: Tax Treatment and Implications for Heirs 14:55 – Life Insurance Benefits and Taxation 18:03 – Inherited Qualified Accounts, RMDs, and Tax Strategy 20:56 – Planning Ahead: Charitable Contributions and Tax Maneuvers Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.com Connect with Randy: LinkedIn: / rkbarkley Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Lawfare Managing Editor Tyler McBrien sits down with Cristin Dorgelo, a former senior adviser for management at the Office of Management and Budget, and Rob Storch, who served as the inspector general of the Defense Department until the Trump administration fired him and many of his colleagues in January of this year. They discuss those firings, other Trump administration attacks on the offices of the inspector general, and various attempts by the administration to undermine oversight and evade accountability, all covered in a new report from the Center on Budget and Policy Priorities called “Trump Administration's Undercutting of Oversight Hurts Taxpayers and Beneficiaries.”To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.

What happens when beneficiaries disagree about the family home or other inherited real estate? In this episode, guest, James Ulwelling and host, Ben Schwefel, will discuss partition actions, co-ownership conflicts, lis pendens (notice of pendency of action), and practical strategies for resolving real property disputes that arise in trust and estate administrations.About our guest:James Ulwelling practices in the areas of real estate litigation, real estate transactions, community association (HOA) law, business law and general civil litigation. James has served as lead trial counsel in numerous lawsuits and arbitrations over the years, where he has exhibited skills in courtroom strategy, critical analysis and sophisticated advocacy. James, who has over 25 years of legal experience, is a former partner at Morris Polich and Purdy, LLP (now Clark Hill PLC) and Ulwelling | Siddiqui LLP.James is actively engaged with professional groups serving the real estate, community association and business communities. He is a member of the Real Property Section of the State Bar of California and the Community Associations Institute. He is a featured speaker for groups such as the Community Associations Institute, Chapman University School of Law, the Orange County Chapter of the American Institute of Architects, the Employer Advisory Council of Orange County, and numerous commercial and residential real estate brokerages. He has served on the Publications Committee and Mediation Committee for the Community Associations Institute. James has been published in periodicals and trade journals such as California Law Business, The Law Journal and OC View.Thank you for listening to Trust Me!Trust Me is Produced by Foley Marra StudiosEdited by Cat Hammons and Todd Gajdusek

This segment is informational, not tax advice.For more information: https://www.irs.gov/https://breslowstarling.com/https://www.nobleknights.org/ways-to-give Produced by Noble Academy, a school for students with learning differences in Greensboro, NC. https://www.nobleknights.org/

On this episode of Probate Weekly, Bill Gross talks to Michael Zwick about how he finds missing heirs and inheritance assets. Connect with him on LinkedIn here: https://www.linkedin.com/in/michaelzwick/

In this week's Celebrity discussion is, HOW PRINCESS DIANA'S £17M MISTAKE ENDED | EPISODE 332, we discuss how did a Princess not get it right!Does your mom have a retirement plan, or is she just planning on living forever?

This week, Angela discusses charitable giving and how individuals can maximize their donations to causes they care about while also benefiting themselves from a tax perspective. She emphasizes the importance of asking questions and seeking holistic financial planning to understand how to give more effectively. Key Takeaways

This week's episode on Estate planning is hard ! Especially when there's an Elephant in the room! Check out THE UNCOMFORTABLE CONVERSATION WITH AGING PARENTS | EPISODE 331Does your mom have a retirement plan, or is she just planning on living forever?

This is an excerpt from the 7th Annual Gabelli Columbia Business School Healthcare Symposium, held on November 14th, 2025. Moderator -- Daniel Barasa, Portfolio Manager at Gabelli Asset Management;HealthEquity – Brad Bennion, EVP Strategy and Corporate Development; WEX – Chris Byrd, SVP, Health and Benefits; Aetna – Jill Dailey, VP, Head of Commercial Product ; Oscar Health – Jesse Horowitz, Chief Product Officer;To learn more about Gabelli Funds' fundamental, research-driven approach to investing, visit https://m.gabelli.com/gtv_cu or email invest@gabelli.com. Connect with Gabelli Funds: • X - https://x.com/InvestGabelli • Instagram - https://www.instagram.com/investgabelli/ • Facebook - https://www.facebook.com/InvestGabelli • LinkedIn - https://www.linkedin.com/company/investgabelli/ http://www.Gabelli.com Invest with Us 1-800-GABELLI (800-422-3554)

Notes: Contract Law Exam Ready GuideUnderstanding Third Party Rights: A Comprehensive Guide for Law StudentsThis conversation delves into the complexities of third-party rights in contract law, focusing on beneficiaries, assignments, and delegations. It provides a structured five-step framework to analyze these issues, emphasizing the importance of understanding the roles of various parties, the concept of vesting, and the implications of defenses and priority conflicts. The discussion also highlights the differences between common law and UCC rules regarding assignments and delegations, ultimately equipping listeners with the tools needed to navigate these intricate legal concepts effectively.In the intricate world of contract law, third party rights often present a complex challenge for students preparing for exams. This blog post delves into the nuances of third party rights, offering a roadmap to navigate these tricky waters.The Three-Dimensional Contract WorldContracts are not just agreements between two parties; they often extend obligations and rights beyond the original signatories. This concept is crucial for law students, especially when preparing for exams. Understanding third party rights is essential, as these issues frequently appear disguised within other legal scenarios.The Framework: Five Steps to MasteryIdentify the Role: Determine if the third party is a beneficiary, assignee, or delegatee. This identification is crucial as it sets the stage for further analysis.Validity and Vesting: Assess whether the third party's rights have become permanent. Timing is key here, as it dictates the enforceability of these rights.Rights and Defenses: Analyze what claims can be brought against the third party and who they can sue. This step involves understanding the legal standing and potential defenses.Modifications and Novation: Consider if the original parties have altered the contract before the third party's rights became final. This can significantly impact the third party's legal standing.Breach and Remedies: Finally, evaluate what happens when the contract falls apart. Understanding who is liable and the available remedies is crucial for a comprehensive analysis.Historical Context and Modern ImplicationsThe doctrine of privity of contract historically limited legal actions to the original parties. However, landmark cases like Lawrence V. Fox have expanded these rights, allowing intended beneficiaries to enforce contracts. This evolution reflects the law's adaptation to ensure fairness and prevent unjust enrichment.Mastering the ExamBy following this structured approach, law students can confidently tackle even the most complex exam questions on third party rights. Remember, contracts are dynamic, and understanding their full lifecycle is key to mastering this area of law.Subscribe NowStay updated with more insights and tips on mastering contract law by subscribing to our newsletter.TakeawaysThird party rights are essential in contract law.Understanding the roles of beneficiaries is crucial.Vesting of rights locks in a beneficiary's claims.Defenses can be raised against third party claims.Assignment transfers rights, while delegation transfers duties.Priority conflicts can complicate assignments.Novation requires consent from all parties involved.UCC rules provide specific guidelines for assignments.A structured framework helps analyze complex scenarios.Mastering these principles is key for legal exams.contracts, third party rights, beneficiaries, assignment, delegation, novation, UCC, legal obligations, standing, contract law

In this episode, Laura Lee, Jeremiah Lee and Randy Barkley, break down some of the intricacies of estate planning, highlighting common missteps and offering practical advice to avoid them. They discuss the importance of having a trust over a will, the pitfalls of adding children to property titles, and the complexities of managing illiquid assets. The conversation also touches on the significance of coordinating estate plans with other assets and understanding community property laws. Takeaways Avoid common estate planning missteps to prevent future inconvenience. A trust is more effective than a will in avoiding probate. Adding children to property titles can lead to tax and liability issues. Plan for illiquid assets like property and businesses carefully. Coordinate estate plans with other financial assets for consistency. Understand community property laws and their impact on estate planning. Beneficiary designations can override estate plans if not aligned. Estate planning should include discussions with family members. Tax implications of inheritance can be significant and need planning. Regularly review and update estate plans to reflect current situations. Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.com Connect with Randy: LinkedIn: / rkbarkley Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

We're revisiting one of our most-requested conversations — a practical, myth-busting look at estate planning with Melissa Joy, CFP®, and Ashley Waddell-Tingstad, founder of Treetown Law.Trusts often sound complicated or “for someone else,” but Ashley breaks them down into simple, everyday tools that protect families, minimize stress, and provide clarity during life's biggest transitions.What You'll Learn: • The essentials: Why powers of attorney and healthcare directives are the cornerstone of any estate plan. • Trusts vs. probate: What probate really involves — and why many families prefer to avoid it. • Beneficiary designations: How small updates can prevent major complications. • Revocable living trusts: The privacy, flexibility, and ease they provide (no, you don't need to be wealthy). • State-specific guidance: Why your plan should be created with local laws in mind. • Post-death protection: How trusts help shield assets from legal and financial vulnerabilities.Whether you're planning for the future or simply want to understand your options, this replay delivers clarity and confidence.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

As we approach another new year, we take a moment to reflect on our financial plans and make adjustments as needed.  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through all of the things you should be revisiting.  Even if you've made a plan, don't let it get stagnant and out of step with your current life and goals. Parts of a financial plan to revisit include: Goals and priorities: we change over time, so this will likely change as well! Progress toward those goals: you may need to adjust if you are off track! Beneficiary designations on accounts, retirement plans, etc as well as estate planning documents. Insurances: the coverage you need at Age 40 is likely not the same coverage you will need at Age 55. Investment allocations: as your risk tolerance changes, so should your investment strategy! College savings: as your kid(s) get older, you may have a better idea of what they will need.   It's a great idea to do at least an annual review.  You may not need to adjust each of these things every year, but that will give you an opportunity to recognize anything in your plan that is out of step in a timely manner.  I think we'd all rather know if we are off track sooner than later so we can make the necessary changes.   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Send us a textHappy Holiday Season 2025!  This week, Paul and Joe talk Thanksgiving and Good News!  @tugayspodtugayspod@yahoo.com#lgbt #lgbtq #lgbtqia+ #sandiego #gaysandiego #gaycommedy #goodnews #holidays2025Gay San Diego comedy LGBT LGBTQ LGBTQIA+@tugayspod tugayspod@yahoo.com#lgbt #lgbtq #lgbtqia+ #sandiego #gaysandiego #gaycommedyGay San Diego comedy LGBT LGBTQ LGBTQIA+Producers: Nick Stone & Andy Smith

RAGBRAI recently announced that Iowa's Community Bicycle Shops will be the Community Fund beneficiary for RAGBRAI LIII. Murph and AP are on to give you some insight into each of the chosen shops. Funds raised will be directed to 6 Community Bicycle Shops in Iowa: -The Iowa City Bike Library -The Street Collective in Des Moines -Chain Reaction Bike Hub in Cedar Rapids -Cedar Valley Bicycle Collective in Waterloo -We-Cycle in Ames -The Dubuque Bike Co-Op Find out more at: https://ragbrai.com/gives/ RAGBRAI: www.ragbrai.com Just Go Bike: ragbrai.com/justgobike/ Watch, or listen on our Just Go Bike YouTube channel. www.youtube.com/@JustGoBikePodcast Have a topic for a future episode? Message us at justgobikepodcast@gmail.com. Registration for RAGBRAI LIII is open! ragbrai.com/registration/

Leaders in Minneapolis and St. Paul say they are standing with the local Somali community amid reports federal officials are planning a targeted immigration crackdown. The operation would target a few hundred people with final deportation orders. Most Somali residents in Minnesota are U.S. citizens and city leaders raised concerns they could be caught up in a federal operation. Gov. Tim Walz says he's open to a federal probe focused on whether Minnesota funding went to terrorist groups in Somalia. U.S. Treasury Secretary Scott Bessent posted on social media he is launching an investigation to determine whether taxpayer money went to al-Shabaab, after allegations were raised by a conservative think tank.Walz says he's taken action to prevent fraud in state programs after lawmakers gave him broader authority earlier this year. Republicans have criticized Walz over his administration's response to fraud in Medicaid programs.The Trump administration is threatening to cut off federal administrative SNAP funding to Minnesota over the state's refusal to share data about beneficiaries. State leaders have declined to share the names, birth dates, addresses and Social Security numbers of food assistance program participants — and won a court order earlier this year to not share that data. The Trump administration says the information is needed to investigate fraud. The Minnesota Bureau of Criminal Apprehension has identified the police officer in Plymouth who shot and wounded a man after responding a domestic disturbance call last week. Officer Jacob Coopet allegedly confronted and shot a man with a handgun. The man remains in stable condition.

In this conversation with Congressman Josh Brecheen we discuss a range of topics including what progress (if any) we might be seeing on healthcare reform. More government subsidies? Or a massive shift in the entire industry?  Of course, we drill down on SNAP benefits. Brecheen has been vocal about the need for work requirements for a while, and it looks like there is a real opportunity post-government shutdown to make real reform happen.  Then, we dig into the effort to end chemical abortion via greater regualtion of the drug mifepristone.  Find out what Biden did that resulted in a surge of chemical abortions and how we must correct this.  Finally, a look at cattle prices and how to protect our vital cattle industry in America.  Will mandatory country of origin labeling fix it or does it require a strong focus on strict price reduction at the grocery store.  Tune in to hear Congressman Brecheen's take on it!     And check out my amazing sponsors!    Motus Health - This is where my wife and go for a reason!  They offer the best in chiropractic care and true functional medicine.   They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com Michael Mcguire with McGuire Capitol We pride ourselves on providing retirement income strategies to Bethany, OK and the surrounding communities. We take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more Our end goal is to help create financial clarity and to promote multi-generational wealth. We offer: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning  https://mcguirecap.com   Stevens Trucking Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com                  

Secret Language of Bank Beneficiary Designations.

First, we break down “the market” by exploring the major indices investors follow every day. From the S&P 500 and Dow Jones Industrial Average to the Nasdaq Composite, we explain what these benchmarks measure, how they're built, and why your portfolio may not always mirror their movements. You'll learn the differences between price-weighted, equal-weighted, and market-cap-weighted indices, plus get insight into the Dow's historic milestones as it inches closer to 50,000.Then, we shift to Black Friday. With the holiday shopping season kicking off, we dig into the latest projections—how many Americans will shop, where they'll spend, and what trends are shaping this year's deals. Whether you love doorbusters or prefer digital carts, we'll connect the stats to what they could mean for consumers and the broader economy.Finally, as the year wraps up, we turn to your retirement strategy. We walk through the essentials of year-end IRA planning—from maximizing contributions to handling required minimum distributions and reviewing beneficiaries. We highlight key deadlines, common pitfalls to avoid, and tactics that can help strengthen your long-term savings.Three conversations, one goal: giving you the clarity and confidence to make informed financial decisions. Tune in!Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 29, 2025  |  Season 39, Episode 48Timestamps and Chapters6:46: Benchmarks and Big Numbers28:50: Black Friday Unwrapped41:54: Finish Strong: Your Year-End IRA PlaybookFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Justin Hedemark is a California Probate and Trust attorney as well as a licensed California real estate agent specializing in probate and trust property sales. His unique expertise on both the legal and real estate side of transactions allows him to navigate the complex and challenging world of probate and trust real estate transactions with a clear vision and analytical approach while maximizing the sale price for his Executor, Trustee, and Beneficiary clients. Hear the difficult conversations that take place when it comes to probate and trust real estate transactions, how the probate process works, how real estate agents can help with the probate process, how to stand out as a realtor, and why homeowners should focus on quality, quality, quality when selling their home. Connect with Justin at HedemarkLaw.com, Justin.HELMRealEstate.com, and on Instagram @JustinHedemark

Naming beneficiaries and successors might seem simple, but one wrong designation can lead to tax headaches, probate delays, or unfair outcomes for your heirs. In this episode, Joe Curry explains how to properly name beneficiaries across your RRSPs, RRIFs, TFSAs, and non-registered accounts — and how to avoid common estate planning pitfalls that could cost your family thousands.   Key Takeaways Beneficiary vs. Successor — know the difference. A beneficiary receives the account value after death, while a successor (available only to spouses) continues the account tax-free and without interruption. RRSPs and RRIFs carry hidden tax traps. Non-spouse beneficiaries may get the full payout, but the estate — and the executor — must handle the tax bill. TFSAs can pass on tax-free growth — but only with the right setup. Naming your spouse as a successor holder preserves the tax-free status; naming them as a simple beneficiary does not. Non-registered accounts and property often go through probate. Joint ownership or trust structures can help avoid delays and additional costs. Keep designations up to date. Life changes — and so should your beneficiaries. Ensure account designations align with your will to avoid confusion or accidental disinheritance.   Resources Matthews and Associates – Book a Beneficiary Review Call Retirement Planning Simplified Blog Related RPS Podcast Episodes: Ep 92 – Paying for Promises: An Evidence-Based Look at Segregated Funds with Mark McGrath Ep 110 – Estate Planning Fails: Real Stories of What Can Go Wrong with Ellie Muir (Clear Estate)   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/   About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/   About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Operators with 30 years of pattern recognition leave for competitors. Engineers carrying legacy system intelligence depart. Everyone understands the risk. Few solve the execution: Systematically extracting tacit intelligence that experts can't articulate because it operates below the conscious threshold.Dr. Refiloe Mabaso and Wisdom Ndashe architected what many struggle to build - knowledge-capture systems that function independently of voluntary participation. At ATNS, harvesting is mandated by policy and embedded in workflows. Their "Legends and Beneficiaries" program identifies critical expertise five years before departure, mapping tacit intelligence to next-generation operators through structured protocols. The execution breakthrough: embedding capture into SOPs makes retention automatic. Travel with Purpose demonstrates strategic reach - converting unaccounted expenditures into documented intelligence acquisition with measurable ROI. Cost centers become intelligence operations.Paradigm Shifts:

In this episode of Retire With Style, Wade Pfau and Alex Murguia talk with Beth Pinsker, author of My Mother's Money, about the practical and emotional realities of financial caregiving and estate settlement. They discuss why clear documentation matters, how probate works, and where family disputes over inheritance often begin. The conversation also covers the roles of wills, trusts, and beneficiary designations, along with the emotional weight that comes with managing a loved one's affairs. Beth shares personal insights that highlight the value of proactive planning and open communication to help families avoid conflict and ensure a smoother transition of assets. Takeaways 30% of people have any sort of documents in place for estate planning. Family disputes often arise over inheritance and asset distribution. Blended families require careful planning to avoid conflicts. Trusts can provide better protection for all parties involved. Beneficiary designations are crucial to avoid probate complications. Wills serve as power of attorney after death, but trusts offer more control. Proper estate planning can ease the emotional burden on families. Communication about inheritance wishes can prevent family discord. Digital assets should also be included in estate planning. Emotional challenges in settling property can be significant. Chapters 00:00 Introduction to Estate Planning and Legacy 01:53 Understanding Estate Planning and Its Importance 06:35 Family Disputes and the Role of Executors 08:58 Common Sources of Family Disagreements 13:39 Wills vs. Trusts: Key Differences Explained 20:33 The Importance of Beneficiary Designations 27:52 Navigating Property Settlements and Emotional Challenges 34:16 Final Thoughts on Financial Caregiving and Legacy Planning Links Find links to order Beth Pinkser's book, “My Mother's Money,” at www.bethpinsker.com Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

PREVIEW — Victoria Coates — Winners and losers of the Ukraine conflict endgame. Coates analyzes the victors of the Ukraine conflict endgame, naming China as a significant beneficiary. Should Russia succeed, its status as a global player will be restored, though suspicion of Russian intentions persists because they extract more than they contribute. The conflict most significantly undermines the U.S. image as a reliable ally committed to securing nations' freedom—a credibility loss reminiscent of earlier historical failures during the World Wars and Kuwait crisis.

"I'm I'm I'm I'm I'm very, I I I I I I..." Tony's out at loanDepot park for Give Miami Day and to deliver his Tony's Top 5, and he avoids being debacled. Then, the ever-humble Pablo Torre is here to share details of his new episode of Pablo Torre Finds Out, diving into the story of Riley Gaines and her ascension through the political landscape via anti-Trans rhetoric. He explains where the money behind her comes from and why her former swim coach's story leads to some hypocrisy in her messaging. Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's Thursday, November 20th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Muslims in Congo killed 17 patients in a Christian hospital Sheer evil has struck Africa again. Last Friday, Muslim militants with the Allied Democratic Forces killed 17 people at a Christian hospital in the eastern Democratic Republic of Congo.  The armed rebels killed patients in their hospital beds, including women who were nursing their babies. Such civilian massacres are becoming more common in the Christian-majority area. Congo is ranked 35th on the Open Doors' World Watch List of the most dangerous countries to be a Christian. Open Doors' profile for the country notes, “Allied with the Islamic State group, the [Allied Democratic Forces] abduct and kill Christians and attack churches, leading to widespread terror, insecurity and displacement.” European Court of Human Rights denied rights of unborn humans The European Court of Human Rights  ruled in favor of abortion last week, denying the rights of unborn humans. The case began when a woman wanted to get an abortion in Poland after discovering her baby had a genetic disorder. However, Poland's Constitutional Tribunal had struck down abortion on the basis of disability.  So, the woman travelled abroad for an abortion and challenged Poland's decision. The European court ruled against Poland in the case. Dr. Felix Böllmann with Alliance Defending Freedom International warned, “This judgment sends a troubling signal that the Court is again willing to overstep its role. The Court should return to its original mission of protecting genuine human rights, not inventing false ones.” Isaiah 10:1-2 says, “Woe to those who decree unrighteous decrees, who write misfortune, which they have prescribed to rob the needy of justice ... that widows may be their prey, and that they may rob the fatherless.” U.S. pregnancy centers are seeing growth In the United States, pregnancy centers are seeing growth in recent years. The Charlotte Lozier Institute released its 2025 National Pregnancy Center Report. The study found 2,775 pregnancy centers provided over $452 million in care, education, and material goods to families in 2024. The centers also saw over one million new clients for the first time last year. That's the equivalent of each location serving a new client every day! The phase out of the unnecessary Department of Education The U.S. Department of Education announced Tuesday it is handing off major responsibilities to other federal agencies. This is part of the Trump administration's plan to close the department.  The plan transfers major programs to the Departments of Labor, Interior, State as well as Health and Human Services. Listen to comments from U.S. Secretary of Education Linda McMahon. MCMAHON: “The announcement really follows the plan that President Trump has had since Day 1, and that is returning education to the states.  He fully believes, as do I, the best education is that that is closest to the child, and not one run from a bureaucracy in Washington D.C.” Only 11% of U.S. churchgoers have Biblical worldview Christian researcher Dr. George Barna released his latest survey on the worldview of Americans, specifically regular churchgoers. The report found only 11% of churchgoers have a Biblical worldview. Only 54% say the Bible is the inspired, error-free Word of God. About 50% or less believe the Bible speaks clearly on moral issues. And 32% of churchgoers now prefer socialism over capitalism. Dr. David Closson, Director of the Center for Biblical Worldview at the Family Research Council, commented on the study.  He said, “The answer to these trends is not despair, but a return to the faithful proclamation of God's Word. We must help Christians connect their zeal for God with the knowledge of God, as Scripture commands in Romans 10:2.” That verse says, “For I bear them witness that they have a zeal for God, but not according to knowledge.” WalMart CEO and Berkshire Hathaway CEO retire And finally, CEOs of U.S. companies are leaving at record rates this year. This comes as many executives are reaching retirement age. For example, 59-year-old Doug McMillion will retire from being CEO of Walmart next year after leading the retailer's growth for over a decade.  In another case, 95-year-old Warren Buffett is stepping down as CEO of Berkshire Hathaway this year. After 60 years in leadership, the renowned investor sent out his final letter to shareholders last week.  In his final thoughts, Buffett wrote, “Greatness does not come about through accumulating great amounts of money. When you help someone in any of thousands of ways, you help the world. Kindness is costless but also priceless. Whether you are religious or not, it's hard to beat The Golden Rule as a guide to behavior.” Buffett's billions funded millions of abortions Too bad Buffet has not used his resources to treat the unborn children in the womb with such Golden Rule kindness. Instead, the Media Research Center reported that Buffett's grants to abortion groups through the Buffett Foundation totaled at least $1.3 billion between 1989 and 2012. (The tax returns from 1997 to 2000 were missing.)  The New York Times reported, “Most of the [Buffet] Foundation's spending goes to abortion and contraception.”  Buffett's biographer describes him as having “a Malthusian dread” of population growth among the poor. And the Buffett Foundation's spending in this area was accelerating rapidly as the 2000s unfolded. Beneficiaries of Buffett's deadly giving include $300 million for abortion giant Planned Parenthood as well as millions more for the National Abortion Rights Action League, the National Abortion Federation, Catholics for a Free Choice, Abortion Access Project, Population Council, Marie Stopes International, the Center for Reproductive Rights, and dozens of other pro-abortion advocates. In addition, the Buffett Foundation gave money that was instrumental in creating the abortion drug RU-486 and pushing it through clinical trials. Tragically, 63% of mothers who abort in America today use this deadly drug to kill their babies. Close And that's The Worldview on this Thursday, Novem ber 20th, in the year of our Lord 2025. Follow us on X  or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus

Oakland County Voluntary Employees' Beneficiary Association v. Tesla Inc.

If you've been punting your estate planning all year, this is your wake-up call. In this episode, I bring in Griffin Bridgers—a recovering attorney who lives in this space—to tear down the myths and get you moving before the holidays eat your calendar. We get real about why estate planning slips to the bottom of the list: nobody wants to think about death, and everybody swears they'll “get to it later.” Later rarely comes. We start with basics that most people still miss: your will's validity, witness requirements, and why “perfect is the enemy of good.” Get the core documents done, then build the habit of revisiting them as your life changes—because it will. Your family changes. Your relationships change. Your appointees change. Set-and-forget is a fantasy. Review is the job. Then we crack open the myths: “The bank has my beneficiary, so I'm covered” (no, that's not a plan), and “my attorney has the originals, so I don't need to track anything” (do your people even know how to reach that attorney—or if they're still practicing?). This is where good intentions die and heirs get stuck. Business owners—this one's for you. Your buy-sell is not a checkbox. It's a minefield of human behavior, valuation drift, liquidity shortfalls, “I'm done working but still own 50%” scenarios, and spouses who don't agree with your sweetheart deal. If you don't define the rules, a judge will. Griffin's core punchline is simple: death is never easy, but you can make it easier. Start with the “who” and the “how.” Review your will, trusts, POAs, and—crucially—the people you've named. Educate them on their roles. Create an instruction manual so someone can actually run the playbook when you're gone. Then get your corporate docs in one place, with minutes and filings current. Organize first. Then review. Then fix. Watch the full episode here: https://youtu.be/7ZRs0r_XCVsAs always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

With a one-hour show and the Patriots idle over the weekend, it was an opportunity to evaluate the rest of the NFL and what stands out are the Chiefs currently not in a playoff spot. Why do the Pats seem like the team who'd benefit the most from a postseason run without Kansas City in it? Then, it'd be better for the Pats to have to go to Denver and face the Broncos in a potential playoff matchup than have to face the Chiefs either home or away. And, through fight night in Montreal, the Bruins picked up another win and sit atop the division, but the test starts now with lots of injuries piling up.

Ryan Kelley discusses the changing outlook for next year, especially in regard to the Fed's rate path. He highlights his firm's mid-cap fund HFMDX, looking for price and earnings momentum among other factors. Of its top holdings: “They're going to benefit from the boom in AI…from a construction point of view.” He also looks at companies integrating AI, such as Wayfair (W). ======== 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 episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries. The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotlight on the team's annual food and toy drive. Joel and Kristin then break down the most impactful tax changes for the coming year, including a new $6,000 senior deduction, temporary exemptions for tips and overtime, expanded SALT deductions, and a car loan interest write-off. Clear income limits and practical advice make these updates easy to understand, and the hosts share candid insights about who benefits most and how to maximize your savings. The episode's second half zeroes in on retirement planning, focusing on how simple beneficiary mistakes can have dramatic financial consequences. Through real-life stories and actionable solutions, Joel and Kristin guide listeners through the top pitfalls—like neglecting beneficiary forms, naming estates instead of people, skipping contingent beneficiaries, and forgetting spousal waivers on 401(k)s. They emphasize the importance of regularly reviewing forms, keeping financial information organized, and preparing loved ones for the unexpected. Listeners walk away with a checklist of practical tips: review beneficiary forms, never name your estate, list both primary and contingent heirs, complete new paperwork when transferring accounts, and keep spouses and trusts properly documented. The hosts round out the episode with heartfelt marital and financial advice—reminding couples to share knowledge, stay organized, and plan ahead for peace of mind. 

The Friday Five for November 14, 2025: iPhone Pocket Brings Back… Pockets. CMS Rural Health Transformation Program Government Shutdown Update Most-Favored Nation Drug Pricing CMS GENEROUS Model   Get Connected:

NEWS: Discayas submit ledger of kickback ‘beneficiaries' | Nov. 15, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Truman Charities just raised $43,750 for the Salute Military Golf Association, and your nonprofit could be next! In this episode, host Jamie Truman recaps their annual Halloween fundraiser, the community support that made it a success, and how they ensure every dollar raised goes directly to charity. You'll also learn about the vetting process and the steps your organization can take to become a Truman Charities beneficiary. If you'd like to join the next event or partner with Truman Charities, visit trumancharities.com for more details.Connect with Jamie at Truman Charities:FacebookInstagramLinkedInWebsiteYouTubeEmail: info@trumancharities.comThis episode was post produced by Podcast Boutique https://podcastboutique.com/

Jump in the time machine with us as we travel back circa 2005 for the first Medicare Annual Enrollment Period, the debut of Medicare Advantage, Medicare Part D, two new Med Supp plans, and more!   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.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 10 Tips to Submitting an Error-Free Medicare Enrollment Application 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why A Review of Integrity's Top Medicare Quoting Tools How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly IntegrityCONNECT & PlanEnroll FAQs Register with RitterIM.com Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker The Future of Medicare Part D: The Push Toward MAPD The Ultimate Agent Resource List Pt. 3: Staying Organized   References: “2005 CMS Statistics.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/medicaremedicaidstatsupp/downloads/2005_cms_statisticspdf. Accessed 21 Oct. 2025. “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. McManus, Melanie Radzicki. “A Short History of How Netflix Won World Domination in Streaming.” Entertainment.Howstuffworks.Com, HowStuffWorks, 21 Dec. 2018, entertainment.howstuffworks.com/short-history-netflix-world-domination-streaming.htm. “Beneficiaries with Special Needs Can Get Help from Medicare Managed Care Plans.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/beneficiaries-special-needs-can-get-help-medicare-managed-care-plans. Accessed 21 Oct. 2025. Laschober, Mary. “Estimating Medicare Advantage Lock-In Provisions Impact on Vulnerable Medicare Beneficiaries.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/05springpg63pdf. “IPod Shuffle (1st Generation).” Apple.Fandom.Com, Apple Wiki, apple.fandom.com/wiki/IPod_shuffle_(1st_generation). Accessed 21 Oct. 2025. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Oct. 2025. “Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, 27 Sept. 2024, www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al.  “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fugleston Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/. “Medicare Part B Immunosuppressive Drug Benefit.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/partbid-provider. Accessed 21 Oct. 2025. “Medicare Demonstration to Transition Enrollment of Low Income Subsidy Beneficiaries .” Cms.Gov, Centers for Medicare & Medicaid Services, 8 June 2006, www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/Downloads/MemoLTCContracting_060806.pdf. “Medicare Part B Income-Related Monthly Adjustment Amount.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2006/10/27/E6-17690/medicare-part-b-income-related-monthly-adjustment-amount. Accessed 21 Oct. 2025. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2025: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-part-d-in-2025-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Program Description and Legislative History.” Ssa.Gov, Social Security Administration, www.ssa.gov/policy/docs/statcomps/supplement/2006/medicare.html. Accessed 21 Oct. 2025. “Medicare Program; Establishment of the Medicare Advantage Program.” Federalregister.Gov, Federal Register, https://www.federalregister.gov/documents/2005/01/28/05-1322/medicare-program-establishment-of-the-medicare-advantage-program. Accessed 21 Oct. 2025. “Part D / Prescription Drug Benefits.” Medicareadvocacy.Org, Center for Medicare Advocacy, 30 May 2025, medicareadvocacy.org/medicare-info/medicare-part-d/. “Pop Culture in Review for the Year 2005.” Mrpopculture.Com, Mr. Pop Culture , 29 Nov. 2023, mrpopculture.com/pop-culture-in-review-for-the-year-2005/. "The Medicare Advantage program: Availability, benefits, and special needs plans - Chapter 9." Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/Jun06_Ch09.pdf. Accessed 21 Oct. 2025. Gold, Marsha. “The Landscape of Private Firms Offering Medicare Prescription Drug Coverage in 2006.” Modern.Kff.Org, The Henry J. Kaiser Family Foundation, www.kff.org/wp-content/uploads/2013/01/7474.pdf. Accessed 21 Oct. 2025. “The next Generation of Medicare Beneficiaries - Chapter 2.” Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/chapter-2-the-next-generation-of-medicare-beneficiaries-june-2015-report-.pdf. Accessed 21 Oct. 2025. Crowder, Courtney. “Throwback: Pop Culture Trends of 2005.” Usatoday.Com, USA Today, 30 July 2015, www.usatoday.com/story/entertainment/2015/07/30/pop-culture-trends/30739417/. “Update to Medicare Deductible, Coinsurance and Premium Rates for 2006.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Regulations-and-Guidance/Guidance/Transmittals/downloads/R31GI.pdf. Accessed 21 Oct. 2025. “Variation and Trends in Medigap Premiums.” Aspe.Hhs.Gov, U.S. Department of Health and Human Services Assistant Secretary for Planning and Evaluation, aspe.hhs.gov/sites/default/files/migrated_legacy_files/43721/index.pdf. Accessed 21 Oct. 2025. Hosch, William L. “YouTube.” Britannica.Com, Encyclopædia Britannica, inc., 19 Oct. 2025, www.britannica.com/topic/YouTube.   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, https://x.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.

Amy King hosts your Tuesday Wake Up Call. ABC News national correspondent Steven Portnoy speaks on the Senate voting on the government funding bill that is expected to pass and end the shutdown. ABC News reporter Jim Ryan talks about Christmas in 2025 and it being a season on uncertainty. Bloomberg’s Denise Pellegrini updates us on the latest in business and Wall Street. The show closes with the host of ‘How to Money’ Joel Larsgaard talking about budgeting and spending for Christmas, tariff checks, and allocating beneficiaries.See omnystudio.com/listener for privacy information.

Blending a family takes grace—and so does blending your finances.When couples merge families, they're also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Why Honest Money Conversations MatterThere once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It's a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations.For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn't guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship?Money becomes the testing ground for those questions. That's why avoiding financial conversations doesn't protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered.Finances are never just about dollars and cents. They're about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I'm gone?There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship.When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together.The Challenge of Inheritance and TrustConsider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We're one now—just leave everything to me, and I'll take care of your family.But Sandra hesitated. Her adult children hadn't had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone?This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn't achieved through documents—it's achieved through relational clarity. You can't solve financial questions until you've addressed the relational ones.Moving from Prenuptial to TogethernessSo what's the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.”Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won't receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families.In a Togetherness Agreement, couples prayerfully decide together:How do they care for children from prior relationshipsHow inherited or premarital assets will be handledHow responsibilities to other households or parents will be honoredAnd how they'll support one another financially in love and unityIt's not about dividing assets—it's about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other.Taking Inventory—Emotionally and FinanciallyBefore crafting any agreement, couples need to take inventory. That means both emotional and financial reflection.Ask questions like:What financial baggage or debts are we bringing in?What past wounds or fears still shape the way we view money?What are our goals—for our family, our faith, and our future?Blended families are always born out of loss—whether death, divorce, or something else. That history doesn't have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation together.Every couple's situation is different, but here are key topics that should be covered in a Togetherness Agreement:Joint and separate accountsDebt and financial obligations from prior marriagesChild or spousal support payments to other householdsRetirement, insurance, and investmentsCollege, cars, and other child-related expensesCovering these topics doesn't weaken love—it strengthens it. It replaces assumptions with clarity and fear with peace.If all of this feels overwhelming, take heart. You don't have to figure it out alone. Seek wise counsel—a trusted financial planner, pastor, or Certified Kingdom Advisor (CKA) can help you find creative and God-honoring ways to care for your family.And above all, remember this: God's grace is sufficient for your blended family. Submit your plans to Him. Let Him guide the process. As you do, He will grow you—not only in financial wisdom, but in love, unity, and faith.When couples move from mine and yours to ours, they begin to reflect the very heart of God, who makes two one, and who calls us to love generously, even in the way we handle money.On Today's Program, Rob Answers Listener Questions:I've been struggling with $26,000 in credit card debt that I recently disclosed to my husband. A credit consolidation company says they can negotiate it down, so I'd pay $400 every two weeks and be debt-free in four years. It sounds good, but is this a trustworthy option—or are there drawbacks I should watch out for?I have UTMA accounts for my two sons, but I am considering switching to 529 plans. I'm mainly concerned that with the UTMA, they'll gain full control of the money once they come of age. Would a 529 plan be a wiser choice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal. Greg S. Pettys and David O. EdwardsChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Beer and Money, Ryan Burklo discusses the essential rules and obligations associated with inheriting an IRA. He explains the importance of understanding required minimum distributions (RMDs), the tax implications of withdrawals, and the necessary steps to set up an inherited IRA correctly. The conversation emphasizes the need for strategic financial planning and coordination with tax professionals to ensure compliance and optimize tax outcomes. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo RMD website Ryan mentions: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary #InheritedIRA #RMD #taximplications #financialplanning #beneficiaryIRA #retirementaccounts #estateplanning #taxstrategy #financialadvice #IRArules   Takeaways Inheriting an IRA means dealing with tax obligations. Required Minimum Distributions (RMDs) must be understood and managed. If the deceased did not take their RMD, beneficiaries must ensure it is taken. Beneficiaries have a 10-year window to distribute the inherited IRA funds. Retitling the IRA to an inherited IRA is crucial. Withdrawals from an inherited IRA are taxable as ordinary income. Coordination with a CPA is essential for tax strategy. Each RMD impacts the beneficiary's tax bracket. Setting a schedule for RMDs helps in financial planning. Understanding where to allocate the withdrawn funds is important. Chapters 00:00 Understanding Inherited IRAs 03:00 Key Rules for Distributions 05:49 Setting Up Your Inherited IRA

Welcome to this week's Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today's crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves. First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon's massive AI push could change the workforce as we know it. Is the AI hype the next tech bubble? Find out what you should be watching out for in your investment portfolio today! Then, we jump into the “Rent vs. Buy” debate. With homeownership at historic lows for young people and investing on the rise, Joel explains the pros and cons, the real numbers, and the emotional side of these decisions. Are you better off staying a renter and investing the difference, or does owning your home still build the most wealth? Tune in for the surprising truths—and what most people are getting wrong. Want actionable tips, expert insights, and honest answers to your biggest money questions? Watch now and get ahead of the curve! Don't forget to like, subscribe, and hit the bell so you never miss an episode of Dollars & Sense! 

Tripp Limehouse discusses the critical aspects of estate planning, emphasizing the importance of avoiding common pitfalls such as procrastination and outdated beneficiary designations. He highlights the necessity of having a will and the advantages of establishing a revocable living trust to avoid probate. The discussion also covers the emotional and financial challenges faced by retirees, particularly regarding Social Security decisions and managing family dynamics in estate planning. Tripp offers insights into the Green Line Principle as a safe money strategy for retirement planning, encouraging listeners to take proactive steps in securing their financial future. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare!   Read the text version  

On today's episode of Stoned Appetit presented by Meraki Cannabis & NOBO Dispensaries we are talking about local community rallying around one another to help when the government wont... as well as some more lighthearted conversations & thoughts from the Michelin Guide's first ceremony in the South. Recap our High West Oyster Fest showingSNAP Benefits halt, so the community steps upMichelin Guide hits home (The South)Weekend Recap/Food Poisoning Scenario of 2025Fuck The Time Change.Become a supporter of this podcast: https://www.spreaker.com/podcast/stoned-appetit--3077842/support.

Retirement planning is an ever-evolving process, and staying informed about changes to Social Security, Medicare, and tax limits is crucial to making the most of your golden years. On this episode of Retire with Ryan, I'm sharing important updates on the 2026 Social Security cost of living adjustment (COLA), projected changes to Medicare Part B premiums, and strategies for managing income in retirement.  The newly announced cost-of-living adjustment (COLA) for 2026 will see benefit checks rise by 2.8%. I break down how the yearly adjustments are calculated, why they matter for seniors, and the impact of inflation on Social Security. I also discuss the expected jump in Medicare Part B premiums, what IRMAA means for higher-income retirees, and important changes to the Social Security wage base and retirement earnings limits.  Whether you're thinking about when to start your benefits or you want to strategize your retirement income, this episode will give you practical tips and resources to help you make the most of your retirement planning.  You will want to hear this episode if you are interested in... [00:00] Social Security cost-of-living adjustment (COLA). [02:54] COLA trends and historical adjustments. [04:48] Social Security benefit updates. [10:56] Social Security earnings limit explained. [11:56] Social Security and Medicare updates. What to Expect from Social Security COLA for 2026 After a brief delay caused by a government shutdown, the Social Security Administration (SSA) announced that benefit checks will rise by 2.8% beginning January 2026. This increase is slightly higher than last year's 2.5% and a bit less than the 2024 bump of 3.2%. While not the largest adjustment in history, any increase helps seniors keep pace with the rising costs of essentials like groceries, taxes, and insurance. How is COLA Calculated? SSA bases COLA changes on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), specifically by comparing the average index for each month in the third quarter of one year to the same period in the previous year. Since 1972, this approach has pegged benefit adjustments to actual inflation, providing a more predictable and timely increase for beneficiaries. Beneficiaries will receive details about their new benefit amounts in early December. Medicare Part B Premiums The base premium for Medicare Part B is predicted to rise from $185 to approximately $206.50 per month in 2026, a significant increase of roughly 11.6%. Final figures will be released later, but even preliminary estimates suggest a noticeable impact, especially for fixed-income retirees. Income Related Monthly Adjustment Amount (IRMAA) may add further costs to your Medicare premiums if your income exceeds certain thresholds. For 2026, your IRMAA status will be determined by your 2024 tax return, due to a two-year lag in income reporting. Higher earners could see premiums up to $443.90 per month, so it's critical to strategize IRA distributions and capital gains to avoid unnecessary surcharges. If your financial situation changes, such as a recent retirement, you may appeal IRMAA charges using Form SSA-44. Ryan Morrissey recommends reviewing prior episodes and his blog for more on appealing IRMAA. Social Security Taxes and Retirement Income Limits The maximum wage base for Social Security taxes will jump to $184,500 in 2026 (up from $176,100), meaning any income above this threshold won't be subject to Social Security tax.  Retirees collecting Social Security before full retirement age must monitor their earned income. For 2026, the limit rises to $24,480. Earnings above this cut-off will reduce your Social Security benefit by $1 for every $2 earned. Once you reach your full retirement year, the earnings limit increases sharply to $65,160, and after your birthday, there's no limit. The latest updates to Social Security and Medicare reflect ongoing efforts to help retirees keep pace with inflation and evolving economic conditions. Successful retirement isn't just about knowing the numbers, it's about strategizing your income to minimize taxes, avoid excess premiums, and maximize your benefits.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Did you know that a trust could be taxed at up to 40%? If your trust isn't set up correctly, you could unintentionally send nearly half your estate to the IRS. That is why in this episode, Micah breaks down how inherited TSPs and IRAs are taxed when a trust is listed as the beneficiary and why so many estate plans fail to consider income taxes, not just estate taxes. https://zurl.co/14gpQ

On this feel-good edition of the Trust the Plan Podcast, Nick Hopwood, CFP®, and Jim Pilat, CFP®, of Peak Wealth started with some positive market news. The S&P 500 is up double digits year to date, which has happened about 30 times since 1950 and is usually a good sign for the rest of the year. They encouraged listeners to focus on data like this rather than emotions, especially with distractions such as potential government shutdowns. The main topic of the episode was beneficiary IRAs and the strategy they recommend when taking withdrawals. They also discussed the investment risks involved and how proper planning can help manage them effectively. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

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Visit our website:https://www.thewealthwarehousepodcast.com/Dave and Paul tackle a common stall-out point: starting IBC with one whole life policy and never building the system Nelson Nash intended. They cover when to add policies (spouse/kids/your increased income), how to plan expansions using convertible term, what to do with windfalls, and why loans and investments should originate from and return to your policy ecosystem.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Episode beginning3:31 - IBC = a system, not one policy4:26 - Life changes → expand (income/spouse/kids)6:52 - Case study: don't cancel; CV > premium9:00 - Keep mature policies; avoid 1035 “churn”11:30 - Remember your why: capitalize & control12:31 - 20 years + a system; “accommodate all income”13:36 - How to expand (small adds, spouse/kids)15:03 - Kids' policies & compounding16:25 - Future-proof with convertible term & HLV19:12 - Windfalls → premium/loans/new premium20:55 - Policies as your emergency fund (liquidity)22:14 - Beneficiaries beat probate — update yearly25:03 - Investments start & return to your system28:22 - IBC is ongoing; control your capital29:55 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com