Podcasts about Cleland

Acts 16:16-40 presented by David Cleland

Back by popular demand, today we will be discussing SHAPE America's newly minted 2024 National Physical Education Standards.  PETE majors from SUNY Brockport, California State University - Long Beach, and York and Queen's College in New York City will be joining us.  Teacher candidates taking part in today's show are in methods classes with Dr. Seymour, with Dr. Ramsey, and Dr. Michael Ertel.Our first guest is Dr. Ertel (newly hooded) is an Assistant Professor of Physical Education Teacher Education in the Department of Kinesiology at California State University, Long Beach. His research examines the intersections of motor learning, inclusive pedagogy, and teacher education, using intervention-based and meta-analytic approaches to advance motor competence, instructional fidelity, and adaptive teaching competence in physical education. In his teaching, he emphasizes practice-based frameworks that bridge theory and application, preparing teacher candidates to design inclusive, developmentally appropriate programs for all learners. Beyond the classroom, Dr. Ertel serves the profession as a member of the SHAPE America Physical Education Council and a past New York State AHPERD Executive Council member. A former Title I PE teacher and collegiate soccer coach, he brings a deep commitment to research-informed practice, professional leadership, and fostering meaningful movement experiences for every student.We are also excited to introduce one of the foremost experts and scholars in physical education teacher education in the U.S…not to mention one of the key contributors to the new SHAPE America National Physical Education Standards–Dr. Fran Cleland. Dr. Fran Cleland is Professor Emerita from West Chester University where she served as the program coordinator for the Health and Physical Education Teacher Certification program for 28 years. Dr. Cleland previously taught in the HPE program at East Stroudsburg University, PA and the University of New Hampshire. Prior to teaching in higher education Dr. Cleland taught K-12 health and physical education in Indiana, Virginia and Oregon. Dr. Cleland's research focused on critical thinking in physical education, and she is the lead author of Developmental Physical Education for All Children – Theory into Practice (2017) and most recently co-authored Elementary School Wellness Education: An Integrated Approach to Teaching the Whole Child (2022) and the SHAPE America National Physical Education Standards book (2025). She has presented at the state, district, national and international level on topics including but not limited to, motor development, the Spectrum of Teaching Styles, critical thinking in physical education and creative dance. Dr. Cleland served as president of SHAPE PA, the National Association of Sport and Physical Education (NASPE) and SHAPE America. Most recently she served on the SHAPE America taskforce to revise the physical education standards. Dr. Cleland is retired but is working part-time as the SHAPE America Book Production and Acquisitions Manager. .

In this special anniversary episode of Stories from Supertouring, we're joined by 1995 British Touring Car Champion John Cleland to mark 30 years since his iconic title win.Cleland takes us back to one of the most competitive and dramatic seasons in BTCC history — sharing untold stories from the paddock, the rivalries that defined an era, and the moments that made 1995 a true classic of the Super Touring age.From the tension of the title fight to the engineering battles behind the scenes, this is a candid, insightful look at what it really took to win in the golden era of touring car racing.

In this episode, we'll be delving into the work of Professor Jennifer Cleland, a global leader whose work continues to challenge and expand the boundaries of healthcare education. Her work crosses boundaries in numerous ways, across fields (Health Economics, Medical Statistics, Language and Linguistics and Business), methodologies (big data sets and qualitative), institutions (government, universities), etc.Learn more about Dr. Thirusha Naiduhttps://www.uottawa.ca/faculty-medicine/directory/dr-thirusha-naidu

Acts 16:6-15 present by David Cleland

Acts 15:36-16:5 presented by David Cleland

Acts 15:19-35 presented by David Cleland

Sports Daily Full Show 22 September 2025

Acts 14:21-28 present by David Cleland

Acts 15:1-21 presented by David Cleland

Acts 14:1-20 presented by David Cleland

Acts 13:14-52 presented by David Cleland

Sports Daily Full Show 4 September 2025

Acts 13:1-13

NFL Preview series carries on with the NFC East featuring the Super Bowl winning Philadelphia Eagles.Philly sports fanatic Tyler Cleland joins the BFS pod to gloat about the Eagles championship, analyze & talk smack about the rest of the NFC East, and answers a number of fun listener questions at the end.5:15 NFC East/Eagles20:45 Commanders32:20 Cowboys42:00 Giants55:15 Listener QuestionsThanks for listening and supporting the Barnhardt Fantasy Sports podcast. Make sure to subscribe/follow the podcast and stay tuned for the next episode.FORM - Wicked Ways on the tunes

Colossians 2 presented by David Cleland.

This episode, we welcome back estate planning expert Nicole Cleland to discuss important topics such as how property passes after death, the rights of spouses and blended families, challenges minors face when inheriting, and the benefits of avoiding probate. Whether you're single, married, or navigating a complex family dynamic, this episode offers valuable insights to help you protect your legacy and plan effectively for the future.   Learn more about Nicole and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Time once again for another edition of Retirement Planning Redefined with John and Nick from PFG Private Wealth. And once again, we're going to continue our conversation with Nicole Cleland on estate planning. So really happy to have her back on this chat with us. And if you've got questions, need some help when it comes to the legal side of things, reach out to them at legacyprotectionlawyers.com. That's legacyprotectionlawyers.com. And of course, if you've got some questions on the financial side, reach out to John and Nick at pfgprivatewealth.com, pfgprivatewealth.com.   Nicole, welcome back in. Thanks for being here again.   Nicole Cleland: Thanks for having me again.   Marc: Lovely to talk with you. And John, my friend, thanks for being here as we continue this chat with Nicole. We covered a lot of stuff and I want to kind of circle back to a few pieces. We were talking about property, how it passes on death. Who should inherit your assets? I think that's kind of maybe a big question for people in general.   Nicole Cleland: So this is what we call testamentary intent, meaning you can leave your assets to whomever you want. There is no restriction or requirement on who takes from your estate. However, most states, Florida included, has a law that says if you are married, you cannot disinherit your spouse. And sort of the philosophy behind that is if you had, back in the old days, husbands were the breadwinners, wife stayed homemaker. And if husband wanted to leave assets to someone else, his children, a mistress, something like that, the law would not allow you to disinherit that spouse. And that's sole control.   So the law presumes that spouses are meant to be taken care of and you cannot leave your spouse less than a certain percent. In Florida, that percent is 30%. So although you can disinherit the rotten children, you can't disinherit the spouse.   Marc: Okay. I like that.   John: So I'd also say this becomes very important when you have blended families. I'll say that.   Nicole Cleland: Absolutely.   John: Working with clients where it's second marriage, kids. This becomes a very important topic that I think most people I'll say that haven't gone through an estate plan or just haven't made that decision yet to go through it, have no idea this even exists. And also I've even talked to some pretty savvy attorneys that I've talked to and I mention it, like, "What are you talking about?" And they look it up and they're like, "I had no idea."   Nicole Cleland: Yeah, it's one of those things that a lot of people don't realize because again, circling back to that testamentary intent, you should be able to leave your assets to whomever you want, but the law's not going to say that for a spouse. And you're right on the money there, John, with the blended family situation.   And I usually try to even say it's not always that later-in-life marriage couple. So if you've got a husband and wife that get married later in life, they both have children from prior relationships, we usually find that they honor that testamentary intent, meaning, all right, husband, whenever you pass, you can leave your money to your children and then I'm going to leave my money to my children. We don't need to leave anything for each other. We're getting married later in life. We've built our wealth so we don't need to support each other.   But what ends up happening is if my husband passed away and I'm still alive, I might be older and a little bit more vulnerable. And usually I find that it's the kids of the surviving spouse that end up saying, "No, mom, you're entitled to that elective share. You're entitled to that 30%. You need to pursue it." And it's usually the children of that surviving spouse in that blended marriage that end up trying to push for things that that married couple really had no intent to do.   Marc: Is it easier or more complicated for folks on a... I guess if you've never had children and just you're single or whatever, do people feel like, "Well, I don't need any of this stuff because it's just me"? But you still have to leave your stuff somewhere, right?   Nicole Cleland: Right. No, and I think it's where whether you're single, whether you're married, like I mentioned on our last podcast, I made a comment that everyone has an estate plan, you just may not know what it is.   Marc: Right.   Nicole Cleland: So a lot of people where let's say you have a young person who's working out in Silicon Valley, they graduated from an Ivy League school, they're making a ton of money out there, and they were raised by their mom but have no relationship with their father. In that instance, if that single individual passes away, not married, no children, their money's not going to go to the mom that raised them single-handedly. It's going to go 50/50. And I see that. I see those instances where you have money going to estranged family members, family members you had no relationship with because you just did not know what the law was going to presume you wanted.   Marc: Yeah, that makes a lot of sense. And it gets really interesting because it's more complex than I think people realize, but yet it's also something simple to handle. You just need to get it done. And that's where making sure that you're checking off beneficiaries and all those things come into play as well.   John: And I'll jump in here. Just I'd say that the biggest thing I think doing estate plan, and I'll say guilty where I didn't officially do one until my daughter, my first daughter was two, it was just kind of peace of mind that it was done. Because it was always kind of lingering there like, "Hey, you got to get this done." And finally when I did it was just like, "Hey, I'm good." And then we make updates to it. But it was a relief to get it done and know that my wishes would be taken care of if something happened to me and Jenny.   Nicole Cleland: And I think that type of planning is very important for younger couples that do have children. You can name who you would want to have what I call custodial care for your child, who your children would live with if something happened to you and your spouse. But that also doesn't mean that has to be the same person that's managing the money. So you might have one person that decides whether your child goes to public or private school, whether they go to church or not, but then you can have someone else be the one to manage the checkbook, so to speak.   But the other thing that's wrecking havoc on our world a little bit is ancestry.com, believe it or not. We're having children that no one knew existed come to the forefront. So that's where planning could be even more important is you might have biological children that you did not know about.   John: So I got to ask, I know this isn't a topic we were going to discuss, but how often is that happening and do those surprise kids, let's call it, have any rights?   Nicole Cleland: Great question. So I've had it come up once, and it was in the context of what we call an intestate estate. So there are two different types of probates in the sense of who are your beneficiaries, meaning an intestate estate is a probate administration where the decedent had no will. So the law declares who your beneficiaries are, who your heirs are. A testate estate is a probate administration where you have a will. And so your will that you've created dictates the beneficiaries under your estate administration.   Most wills, at least I will say most good wills define who your children are. So for example, if I was creating a will for someone, I would say, "Okay, your children are A, B, and C. and for purposes of this document we're limiting your descendants or your children to those three kids."   Now, with an intestate estate, the one that I'm speaking of that we had happen is the family sort of was suspicious of this individual being a descendant. And after a paternity test, it was deemed true. But that didn't come to fruition until after the person had passed and the parent of this minor wanted to stake a claim in the estate. And they were successful because they were a biological child, even though there was no relationship at all, the child did not know the other family members. But they were an equal child to all the other children, even though they're technically half sibling. But it was a direct child of the decedent.   Marc: Wow. Yeah, it gets a little sticky there. So we tend to think about that with celebrities or something like that. But I guess, yeah, it can happen anywhere.   Nicole Cleland: Yeah, it really can. And it's not fun to manage because now as the attorney, I'm having to really make sure my clients understand, my executors or my personal representatives, I have to ask them, "Are you sure these are the only children of the decedent?"   Marc: I'm sure you get, "What kind of question is that?"   Nicole Cleland: Correct. Yeah, it's not a fun one, but it's something that I have to say, really make sure we've got the right heirs here.   Marc: Yeah, that certainly, it was a great question by John. I didn't even think about that, kind of kids coming out of nowhere. And maybe this is one reason, Nicole, why people want to avoid probate amongst other reasons, right? Because if you're going to a trust or something like that, you have more privacy, correct? Where probate is out in the open.   Nicole Cleland: That's correct. So trust administrations are typically private, meaning we don't file the trust anywhere. We don't have any sort of public record of the administration process. But probate is the opposite. We have to deposit your will with the court. The probate administration is all public record. So whenever you have a probate proceeding, we talked in our last session about how long it can take. I'm saying now the average is about 12 to 18 months. And a lot of that is, I think directly dependent on your fiduciary, your personal representative that you have serving in that role. Some of it is the court, but a lot of it is that person that you have named.   But a lot of people tend to shy away from probate administrations, not because it's necessarily public and not so much because of the delay, but the cost. The cost for probate proceedings here in Florida are statutory, which means there is a Florida statute dictating the schedule on what is deemed a reasonable fee for not just your personal representative but the lawyer.   And in Florida, 3% of the probate estate is deemed reasonable. So if you've got a million dollar investment account that needs to go through probate, and it could just be the one account, what would be presumed a reasonable fee under Florida law would be 3%, 3% for the lawyer and 3% for your personal representative. So just right there, you've got 6% coming from that million dollar account, $60,000 for a probate administration. So the cost can add up fairly quickly, especially the bigger and the more complex the size of the estate.   John: Yeah. And I'll add to that just kind of personal experience. You don't know what you don't know. And I'll tell you that even though I'm somewhat in the industry, not an attorney, there's a lot of questions that I'm having for helping my wife be the executor of her father's estate. And it's like, "Hey, what about this?" So we're emailing the probate attorney quite a bit of just, "Hey, what about this scenario? What about this?" And there's a lot of nuances that I think the average person just is not aware of.   Nicole Cleland: Absolutely. I think for most administrations, we always joke here in the estate planning world in the administration side is there's no easy probate. There's something new in every single probate administration that you have just because the family dynamic could be different, the type of asset that could be different. You could have what I would deem a very easy probate where the only thing we have to transfer title to is maybe the house. But let's say the house isn't selling. Let's say the mortgage is worth more than the house, or there's a special assessment on the condo or one of the beneficiaries doesn't want to consent to the sale. Something, anything can just come up at any time with a probate administration that can turn what I would deem an easy probate into a very, very complicated one.   And like John said, you don't know what you don't know, and sometimes you can't envision or foresee what's going to happen at the end of the probate proceeding. But surprises do often come along. And that's where I think sometimes experience can really matter in terms of the type of attorney that you pick because they're going to have experience dealing with this type of issue, this type of condo that's being sold or this type of family dynamic that's occurring or something like that.   John: Nicole, how about something that comes up a lot with I would say Nick and I is minors. Minors that potentially could or have inherited money that maybe they were listed on a beneficiary account and the person didn't know the rules in Florida with minors inheriting money. How does that work?   Nicole Cleland: Yeah, that is just not great planning, frankly. I think a lot of people who maybe don't have a lot of wealth or have young children, they name their minor children as a default, and it becomes really sticky very quickly. And even in the best of scenarios where let's say you've named your minor as the beneficiary on an account, and let's say we have to do a guardianship for that child because minors can't manage over a certain dollar amount, or let's say you even have a custodial account, even if all of those get teed up perfectly, at the end of the day when those minors inherit the money, they're 18 years old or 21 years old, or even 25 years old. And I don't know about you, but I don't see a lot of financially savvy or financially prudent 18-year-olds or 21-year-olds.   So it ends up being where even in best of scenarios, without proper planning for young kids, it's really hard for someone in their early twenties to inherit any type of money, not just a significant amount.   John: Yeah, I'd say one thing we come across when we're doing initial consults, we'll do reviews of beneficiaries and we'll see minors as contingents. And that's where, going back to who needs an estate plan or why, I think people really need to take a look at that with kids.   Nicole Cleland: They really do. Because that's the one where, again, even if we're able to do the guardianship for that minor or a custodial account or something, it just doesn't work well when you have a young person inheriting.   I've had a minor, no, actually take that back, they were an adult, inherit a life insurance policy, and I think they were 21, what the law presumes financially mature enough to inherit money. And this 21-year-old spent over half a million dollars in life insurance in a year.   Marc: Wow.   Nicole Cleland: And they had nothing to show for it at the end of that year, nothing. It was you almost felt guilty asking them what did you even spend that money on? Because they're just so young. And it wasn't necessarily their fault in the sense that that was not the planning that should have been put in place for that person.   Marc: Yeah, their sneaker collection was amazing.   Nicole Cleland: Yeah, I couldn't even say that. There was no collection to speak of.   Marc: Oh, geez.   Nicole Cleland: I have no idea where the money went.   Marc: Really? Oh, no. Well, that's terrible. That's the importance, right? That's the importance of, and that's a great way to wrap up this episode, Nicole, the importance of planning for the individual, for the situation, just it's paramount. Right?   So get onto the calendar, have a conversation. If you need some help, reach out to Nicole and the team at legacyprotectionlawyers.com, that's legacyprotectionlawyers.com, or call them at 727-471-5868. That's 727-471-5868 to have a conversation about your situation. And of course, as always, don't forget to subscribe to the podcast, Retirement Planning Redefined with John and Nick. You can find that on Apple or Spotify. And of course, if you need to make it easy, just go to their website and get some time with them as well, pfgprivatewealth.com. That is pfgprivateweath.com.   Nicole, what does it look like if people want to reach out to you and the firm?   Nicole Cleland: We would love for clients to reach out and ask to meet with one of our attorneys to get a little bit more of a specific recommendation as to their family and their situation. Everyone is different. There's no cookie-cutter approach to planning, and it's important that people talk to an attorney or a professional that can be a little bit more custom approach to their type of plan. So they can give us a call and we can offer a complimentary consultation to kind of go over that in more detail with them.   Marc: All right, there you go. So thanks so much for listening to the podcast. We appreciate it. Again, reach out to them at legacyprotectionlawyers.com. That's legacyprotectionlawyers.com. And thanks for tuning in to Retirement Planning Redefined with John and Nick.  

In this special episode of Retirement Planning Redefined, John and Nick welcome their first-ever guest, Nicole Cleland of Legacy Protection Lawyers, to kick off a new estate planning series. Nicole shares key insights into what estate planning really involves, who needs it (hint: it's not just for the wealthy), and how proper planning can help avoid confusion and conflict later. They cover the differences between estate planning and elder law, the importance of incapacity planning, and how assets actually pass after death.   Learn more about Nicole and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Once again for another edition of Retirement Planning Redefined with John and Nick from PFG Private Wealth, and we've got a special show this week. We're going to be talking about understanding estate planning. We've got a little series planned around this. We've got some special guests coming up also. So really looking forward to today's conversation. John's going to be joining me along with Nicole Cleland, who is our special guest from Legacy Protection Lawyers based outside of St. Petersburg, Florida. And we're going to have a great conversation around understanding those estate planning basics and some other details and information. So it's going to be an excellent episode, so stay tuned and we'll get right into it. John, my friend, how are you this week, buddy? What's going on?   John: Hey, I'm doing all right. I'm excited to have Nicole as our first guest that we've ever had on our podcast here.   Marc: Yeah, our very first guest here on this, so it's excellent to have Nicole here. Nicole, welcome in. How are you?   Nicole: I'm doing great. Thank you both for having me. I'm really excited to be here today.   Marc: Absolutely. So we'll jump in real quick. Just tell us a little bit about you and your firm, what you guys do.   Nicole: Sure. So we are a boutique trust and estates firm, meaning this is all we practice is trust and estates. We do primarily planning, and secondary administrations of estate planning documents, and we also do a little bit of litigation and a little bit of tax planning as well. So we do have a trust and a estates only litigation lawyer and a tax lawyer with us too.   Marc: Okay, excellent. And Bill McQueen is going to be joining us as well on probably the next episode, so we'll get into some conversation with him. But for now, let's just kick things off and get started. Although I do have to ask, I was looking at the website and I see that you are a super lawyer. What is a super lawyer?   Nicole: Yeah, it means that we get a cape every year.   Marc: Nice.   Nicole: No, a super lawyer designation is a designation that you receive from other lawyers in the area and about 5% of practicing attorneys get this designation. So I'm very honored to have been a rising star super lawyer for seven years now, I think.   Marc: Awesome.   Nicole: And yeah, it's nice to know that the professionals that I work with enjoy working with us in our firm too.   Marc: Yeah, that's great. John, you need something like that? You need super advisor or something.   John: I don't know if there's a super advisor, but if there is one, I'm about to see how I can get that.   Marc: There you go.   John: I feel like got as much work as I do, I need a cape as well.   Marc: There you go. Yeah, capes are good. Well let's get into our conversation here. So I wanted to kick things off with just a really simple question for you, Nicole, because a lot of people, I think it's probably changed through the years and you can maybe talk about that as well, but people, I think around estate planning, even financial advisors, tend to think that, well, this is for the ultra wealthy. Those kinds of things are for people that really have a lot of money, and I don't think that's the case. So explain, do you really need an estate plan and if so, why? Can you give us some kind of parameters and some breakdowns on that?   Nicole: Yeah, that's a really great question. And I think a lot of people do think estate planning means you have to have a large estate, but that's really not all estate planning is, I kind of think of it as twofold, you've got planning on the incapacity side and then you've got planning on the after-death side. So you don't really have to have a lot of wealth, or really any wealth, to do estate planning, because if you're incapacitated, you might have very specific wishes on your care, whether that's through any sort of long-term incapacity, through any end-of-life care wishes, whether it's where you want to live, how you would like to be buried, things like that. So it's not necessarily always based around dollar amounts, and I'm sure you all see this and sometimes you have the most complex cases that really aren't the super ultra-high net worth people.   It could just be your run-of-the-mill, middle-class American that has very specific wishes in terms of they've got a blended family, or stepchildren, or maybe a child that has addiction issues. So it can really be more broad than, "Hey, I have all this money and I need a plan for taxes." It's really more complex than that.   Marc: Gotcha. Okay. Is there a difference between estate planning attorneys and elder law? I think people get those confused as well.   Nicole: Oh my gosh, yes, there is a difference. And that's a big one we get too. And for us, the estate planning is planning for... What I say is, you've got tax planning, you've got incapacity planning, asset protection planning, and kind of encompassing all of that, just your run-of-the-mill estate planning, meaning how you would want to plan for things after your passing. But elder law is a little bit more on the incapacity side and planning for one day potentially needing Medicaid, so thinking more of the disability planning. That's how I sort of equated in my mind is you've got an elder law lawyer that's a little bit more on the disability planning side, but a lot of elder law attorneys still do estate planning, but there is a slight distinction between the two and that is important to note.   Marc: Great point. All right, good. What makes an effective estate plan?   Nicole: Oh, that's a fun one too because I like to say the one that works is the one that we have no hiccups with after the testator, or the creator of the plan, has passed away. And that's sort of the hard part on estate planning is my best witness is no longer here to verify that this is what they wanted. So I would say that the best estate plan is one that you can keep family harmony at the end, as much as possible, at least preserve it or maintain that family harmony as much as possible, and administer and execute that settler or that testator's intent. Really kind of making sure that that is the theme throughout the whole administration.   John: So Nicole, you mentioned incapacity, what type of planning goes into that because that comes up quite a bit with Nick and I's clients, where it's coming up where we'll talk about beneficiaries and the estate stuff, but I'll say the incapacity planning is not my strong suit. So I think from our listeners standpoint it'd be good to hear, what does that include?   Nicole: Yeah, that's also a great question because a lot of people, when they think of themselves in the incapacitated context, they think of themselves more in, there was an emergency, I had a bad accident and now I'm on life support for a week and then I'm deceased and then I've passed. And the reality is that's not what happens to most people, especially as we're aging and living longer, more people are experiencing longer bouts of incapacity. And with that, a lot of family members don't really know what that person wanted, where they would've wanted to live, what kind of care they would've wanted to receive.   So when I'm talking to clients about incapacity planning, I try to tell them, don't think of yourself in the context of, "Oh, there was an emergency, I'm out for a week and then I'm gone. I want you to think of it as you've developed some sort of dementia, you've developed some sort of condition where we're going to have long-term incapacity.So when you're thinking about who should be making those types of decisions on your behalf, think about it in the context of you've just signed these people up for a part-time job, if not full-time job." When you're thinking of these individuals, a lot of people default to their children, which is usually best for most people, but it isn't for everyone. And I think it's important for people to sort of think of themselves, which is really hard to do in the situation that they've gotten, they will need long-term care, not the short-term one-week care, but really that long-term care piece, and it's really hard to think of yourself in that boat.   Marc: That makes sense. And documentation has got to be crucial in all of this, right?   Nicole: Absolutely. There's no statutory authority or person that can make any sort of financial or legal decision if you become incapacitated. There is a healthcare statutory order, but it's just spouse, then parents, then children, there's no one after that. So if you're an elder person with no children, not married, you don't have that default person, so it's really important that you do have documents in place. But for most people, whenever you're thinking of who to name in this role and what documents you should have in place, it's so important that you really have a robust plan and documents that really spell out all of the things that you want your named agent to do because there are certain types of statutory forms. So you can look on Florida Statute and just look online and find a statutory form for a living will, but if you present that form that was created by lawyers to a doctor, that doctor's not going to be able to honor that living will. It's not clear enough, it doesn't really express what someone's true intent might be.   So sometimes there is a disconnect between what the lawyers prepare and what the doctors are executing, or what the bank is executing under a durable power of attorney or something like that. And it's important you have a lawyer that's preparing your documents that knows both, that really can make the connection between the different areas of your life in any sort of end-of-life care incapacity situation.   John: When you're meeting with clients, I'm assuming this comes up quite a bit, when someone's having an issue picking who their power of attorney or health care surrogate is, what kind of advice could you provide for that?   Nicole: Yeah, great question too. I tell clients, think of two things when you're considering who you should name in these roles. And the first condition I say, is you want someone who's going to have the time because most people want to name their more intelligent child or, "This child is very smart, they're a doctor, they're a lawyer, they're going to know what to do. They're very smart." But those people typically don't have the time. They're too busy, they've got a family of their own, full-time career, other obligations outside of their job and family that even though they could probably do and be fine with it, they usually don't have the time that's needed to devote to something like this. So I always say, look for someone who's going to have the time. And then two, you're going to want someone who's going to know when to ask for help.   And I always tell clients too, is when we have people do things that are bad, it's not because they're a bad person. Most people aren't doing things to be evil or have any bad intent behind the action, but it's because they didn't know when, or they didn't want to ask for help. I think people still have that, "I want to save money, I don't ask the professional for help." Or, "I think I can do it. I don't need to ask all of these people for advice and things like that." And I think if you have someone who's going to know their limitations, then they're going to get advice, they're going to get opinions from people, and they're going to get a little bit more well-rounded approach on how to provide for mom or dad's care, or whatever it is, or whatever person that we've got here, making decisions on your behalf.   So I would say those two things is, someone who's going to have time, someone who's going to know when to ask for help, because again, it's not always our children, but usually it can be, but it's something where they really need to, if they're comfortable, have that conversation with that person. And that's sort of sometimes a hard conversation to have, especially if you have children that are, "I don't want to talk about it, we don't need to talk about this." But it's really important that you do talk about it because what you don't want is you don't want to name John Doe, and then when John Doe is being called to serve, he's completely taken off guard, he has no idea what to do, he's not prepared. So it's nice to kind of have these conversations with your prospective agents just so that they can start asking questions that they might need to know the answer to one day.   Marc: Yeah, that makes a lot of sense. I mean, certainly you want to get people in the loop on these things and when you're setting up all your documentation and putting the basics together, I guess we should probably switch and talk a little bit about some of the assets then, because that's where people get confused and kind of wonder about the different rules that are in place. So how does property pass at your death? I guess we can start there.   Nicole: Whenever someone dies, there's really three ways that property can be transferred. The first way is by operation of law, and a good example of that is if you own something jointly with rights of survivorship with someone. So for example, if I own my house joint with my husband, when I die, by operation of law, he will own the home. Nothing else has to occur. He doesn't have to record anything, that's his house.   The second way that property passes is through contract law, and a good example that would be a beneficiary designation. So if you've got a life insurance policy, you could have a contract with that company that says when you die, whatever the death benefit that life insurance policy would be, that would be paid to your named beneficiaries. Another example of a contract is A trust. A trust is a contract you have with typically yourself as trustee, and we could talk a little bit more about trusts later today too. But the third way that property passes is through probate, and probate is really just a fancy court-supervised process of transferring assets out of someone's individual name to your heirs. And if you have a will, then your will says who your beneficiaries are. But if you don't have a will, then the state of Florida tells you who your beneficiaries are.   So really rounding out, how does property transfer whenever someone dies? Those three things are in order of priority, so joint ownership usually supersedes beneficiary designations or other types of contracts, and then both of those items supersede your will. So a lot of people don't realize this, but your will only governs assets that go through probate, and your will would only kick in if you have probate assets. So that's why sometimes when we talk about estate planning, it may be where you really need to confirm with a professional what your estate plan is, because whether you have a will or not, you have an estate plan in place, you just may not know what it is.   Marc: You have the state's plan, right?   Nicole: Correct.   Marc: Yeah, I was always taught, and tell me if this is accurate, that a will just means you will go through probate.   Nicole: I love that. Actually, that's a great phrase there that I should probably start using.   Marc: There you go. You're welcome.   Nicole: Absolutely. Yeah. Your will only is going to govern those assets that have to go through probate, which if you've done other type of planning, you may not need probate, and so you may not need your will. There are, of course, other reasons to do one, but yeah, that phrase is right on point.   Marc: You can jot that down.   John: And Nicole, I think going to get onto some of this stuff deeper in the podcast or maybe next week, but something that always comes up, is how long does someone expect probate to last?   Nicole: Yeah, really good question. I used to say most probates are anywhere from 6 to 12 months. Since COVID, it's been more 12 to 18 months, and I used to kind of say that the 6 to 12 month mark was really dependent on the court process and where the court's cue is and how backlogged they are. I am finding, I think the longer I practice, that your probate administration is probably 60% to 80% indicative of how efficient, and organized, and on top of it your executor or personal representative is. Because if you've got someone who's going to take charge, hop on things, get things done, it can be more on the 12-month mark. But if you have someone who's sort of dragging their feet, and it's, again, part of the grieving process for people. Some people need to dive into stuff, others need to take time to process before they can dive into stuff.   But I would say now probably more 12 to 18 months because I think people are busy, I think people sign up for a lot of things and maybe don't necessarily know they've been signed up for this, but it definitely can take I think more 12 to 18 months now.   Marc: All right, well I want to ask, is a will part of that advanced directive as part of that incapacity conversation? Is that part of that documentation you want to have?   Nicole: A will is what we call an ambulatory document, meaning it actually isn't a valid document until after the testator has passed away. So I sort of joked earlier that when you have an estate plan, your best witness is gone by the time we're effectuating that estate plan, and that's sort of the case with the will. So when it comes to most people's estate plan, when we think about what's included in all of those documents, those legal documents we would prepare, the will is the after-death document, the advanced directives are the pre-death documents. And most estate plans are going to have, at the very least, a durable power of attorney and a healthcare surrogate, with the durable power of attorney being the person that makes financial or legal decisions on your behalf, and your healthcare surrogate being the document where you name someone to be your healthcare proxy or who's making healthcare decisions on your behalf.   So part of a robust advanced directive packet, you should really have those two documents, and a few more if it is your wish to have the additional documents. One of the probably more common questions I get on the incapacity planning side is people generally don't want to be kept on life support, they want that pull the plug document, which we call your living will. That's a document where if you have no cognitive function that you do not want any life-prolonging procedures. You want all of those heroic measures withdrawn so that you can pass naturally, but a lot of clients get that confused with a DNR. A DNR is different, that is what I call heart function. So a DNR is also on yellow paper, it's signed by your doctor, and a lot of doctors typically don't like to sign those types of, Do Not Resuscitate or DNR documents, unless you have some sort of terminal condition.   So that's why, circling back to the beginning, really kind of making sure that your client, if they have a lot of these end of life or incapacity specific wishes, that they're talking to all of their professionals, not just a lawyer but their doctors and things like that.   Marc: Well look, we're doing this multiple part series on estate planning, obviously a wealth of information here from Nicole. So if you've got some questions, you need some help, definitely make sure that you're reaching out and having conversations with qualified professionals and talking about the situations that you're in and what you might need. So if you'd like to get in touch with the team at Legacy Protection Lawyers, visit them online at legacyprotectionlawyers.com, or call them at (727) 471 5868. Again, (727) 471 5868. And don't forget to subscribe to the podcast, you can catch future episodes as they come out because we are doing a multi-part series on this so there'll be more information to come. And you can find all of that, of course, at John and Nick's website, pfgprivatewealth.com. And don't forget to subscribe to us on whatever podcasting app you like using, like Apple or Spotify and so on and so forth. Nicole, thank you so much for being here and sharing a lot of great information with us.   Nicole: Thanks for having me. This has been fun.   Marc: Been excellent. And John, of course, thank you for being here, my friend, and facilitating as well. Hope you have a great week.   John: Thanks, appreciate it. Have a good one.   Marc: We'll see you next time here on Retirement Planning Redefined with John and Nick.  

Psalm 83 by David Cleland

You've heard about it, but do you know what it is, or why people do this? Let's figure out if it's right for you (and us) with Dr. Ryan Cleland of Infinite Vitality.

Psalm by David Cleland

Acts 12

Proverbs 17

"God is Sovereign: You can't do it all" by David Cleland

Sports Daily Full Show 26 June 2025

Concrete is Ruth Cleland's second solo exhibition of new and previously unexhibited works, currently on at Sumer Gallery. Cleland is known for her photorealistic depictions of everyday subjects and scenes, with this exhibition exploring concrete flooring in locations and sites she regularly encounters. The works are more than representations of concrete, but a collection representative of equanimity, eliciting a state of quietude within the viewer. This body of work shows a subtle but significant development in Cleland's practice, whereby more emphasis has been placed on the interrelationship between her gridded paintings and photorealistic concrete floor depictions, and how they respond to one another. As in previous works, this exhibition continues Cleland's ‘sustained inquiry into image and grid—of subject, time, and value—as she traverses the hyperreal and abstract.' Sofia had a kōrero with Ruth about Concrete, as well as her practice and process more generally.

Sports Daily Full Show 25 June 2025

Sports Daily Full Show 13 June 2025

Acts 11

Sports Daily Full Show 2 June 2025

Acts 10:24-48

Acts 10:1-23

1 Corinthians 10:13

On this week's episode, Jenn connects with Jes Cleland to talk about the importance of early childhood music education and her upcoming album 'Out There in the Wild'. Jes shares her passion for making music education accessible for our youngest students and how that shapes their journey going forward.

Acts 9:31-42

Good Friday Service

Easter Sunday

John 18:1-11

Acts 9:20-31

Sports Daily Full Show 8 April 2025

Sports Daily Full Show 7 April 2025

Acts 8:9-25

Acts 8:26-40

Staffing expert Mike Cleland joins Brad Bialy to break down why the staffing industry is underperforming despite strong GDP. They explore the breakdown of sales accountability, the danger of a complacent culture, and how to rebuild a resilient, growth-minded team. Discover how executive leadership, peer accountability, and strong sales systems can reignite performance in today's staffing landscape. Mike also shares real stories and proven frameworks from decades of consulting experience. If you're leading a team or trying to scale your staffing firm, this episode is your blueprint.   5 Key Takeaways from This Episode: ✅ Who is accountable for the staffing industry's underperformance?   ✅ Become a sales team, not order takers ✅ How should you address toxic high-performers? ✅ Common traits of a company poised for growth ✅ Can small firms compete with the Goliaths in the room?   Chapters & Key Moments 00:00 – Why the staffing industry is underperforming 01:25 – The accountability gap in staffing 03:56 – From order takers to proactive sales teams 06:31 – Sales rejection, resiliency, and realignment 08:05 – Leadership's role in resetting accountability 09:53 – Coaching high-performers and learning from them 11:28 – Top-down and peer-to-peer accountability 13:41 – Culture and the power of peer influence 15:13 – Addressing toxic high-performers 18:17 – Red flags in staffing firm culture 20:45 – Traits of a company poised for growth 26:32 – Can small firms compete with Goliaths? 28:21 – About Charted Path and Mike's work 29:29 – The book that changed Mike's business mindset 34:06 – Advice for those starting in staffing    About the Speakers Brad Bialy has a deep passion for helping staffing and recruiting firms achieve their business objectives through strategic digital marketing. For over a decade, Brad has developed a proven track record of motivating and educating staffing industry professionals at over 100 industry-specific conferences and webinars. As a visionary leader, Brad has helped guide the comprehensive marketing strategy of more than 300 staffing and recruiting firms. His keen eye for strategy and delivery has resulted in multiple industry award-winning social media campaigns, making him a sought-after expert and speaker in the industry. With over 30 years of experience in the staffing industry, Mike Cleland helps executives achieve their growth goals through leadership development and organization design.  As the founder of Charted Path, Mike has worked with owners and executives on optimizing organizational structure, company governance, business planning, sales strategy, process improvement, performance management, and compensation plan development.   Mike has worked with over 140 companies ranging from start-up to $600 million in every major staffing vertical. As a former president of a $60 million IT staffing company, Mike understands the practical challenges of execution and helps clients develop focused and feasible solutions that management teams can implement. When not working with his clients, Mike shares his knowledge through various articles and speaking engagements.  His latest book Breaking Through: Leadership Disciplines from Top Performing Staffing Firms,  was co-authored with Barry Asin, President of SIA, as a follow-up to Behind the Wheel: Driving Excellence in Staffing Operations. Mike was named to the Staffing Industry Analysts Top 100 in Staffing for many years. He is also an Everything DiSC and Five Behaviors of a Cohesive Team Partner as well as a Certified Contingent Workforce Professional through Staffing Industry Analysts.    

Acts 6:8-15, David Cleland, 2-16-2025

Acts 7:1-53, David Cleland, 3-2-2025

Acts 7:54-60, 8:1-8, David Cleland, 3-9-2025

Send us a textIn this inspiring episode of the Starter Girlz podcast, host Jennifer Loehding interviews Alyssa Cleland, an amputee advocate and influential social media creator. Alyssa shares her powerful journey of disability advocacy, resilience, and authentic content creation. The conversation explores disability representation, breaking stigmas, social media authenticity, and inclusive content strategies. Listeners will learn about navigating challenges as a person with a disability, building an engaged online community, and the importance of disability education and awareness. Alyssa's story demonstrates how embracing your unique journey can create meaningful impact and opportunities for positive change in the digital landscape.TakeawaysAuthenticity on social media creates genuine connections—Alyssa's real-life experiences as an amputee resonate deeply with her audience.Breaking disability stigmas through education and visibility is central to Alyssa's mission as an advocate.Living with a disability presents challenges but also unique opportunities for impact and personal growth.Creating positive online communities requires balancing vulnerability with boundaries.Alyssa's journey from para-dressage athlete to disability advocate demonstrates how embracing your unique story can lead to meaningful influence.

Sports Daily Full Show 27 February 2025

Acts 6:1-7