Podcasts about trusts

Zingsang an neklohna Tawh kisai thu // Health talk.Kawikawi + Tangthu ngaih pen // Chin Gospel Songs.

From Compliance to Strategy: How Smart Business Owners Build Long-Term Success | Christopher Papin The Entreprenudist Podcast https://entreprenudist.com Episode with Christopher Papin, Owner of Papin CPA In this insightful interview, Christopher Papin breaks down how business owners can shift from basic compliance to strategic, long-term planning by leveraging the power of advisory services, financial insight, and legal integration.

Skip Wilson: The Secret to Scalable Advertising Execution Without Tech Overload The Entreprenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Skip Wilson, CEO of DRAFT Media Partners, to discuss why empathy and operational excellence—not just technology—are the real engines of sustainable success in advertising. With 100+ clients across four locations, Skip shares exactly how his team builds systems that scale, deliver measurable results, and keep humans—not just tools—at the center of every campaign.

This programme is part of our series of impromptu in-the-field podcasts, recorded at Groundswell 2025.In this episode we The Wildlife Trusts' new vision for the future of farming in England. ffinlo Costain is joined by Vicki Hird (Strategic lead on agriculture, The Wildlife Trusts).

Elie Honig is a former Assistant U.S. Attorney and co-chief of the organized crime unit at the Southern District of New York, where he prosecuted more than 100 mobsters, including members of La Cosa Nostra, and the Gambino and Genovese crime families. He went on to serve as Director of the Department of Law and Public Safety at New Jersey Division of Criminal Justice. He is currently Special Counsel at Lowenstein Sandler and a CNN legal analyst.  For a transcript of Elie's note and the full archive of contributor notes, head to CAFE.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Allie and Logan talk about some of the tax consequences of trust accounts and whether it is helpful to put your IRA in a trust after you pass.

From the Onramp Media archives: Michael Saylor on bitcoin as digital capital, the $100 trillion idea reshaping markets, and why bitcoin sets the true hurdle rate for capital allocation. Originally recorded in October 2024.00:00 – Viral Adoption & Exponential Growth02:25 – Bitcoin as Digital Capital04:30 – 24/7 Global Markets & Capital Efficiency11:30 – Bitcoin as the True Hurdle Rate16:15 – Institutional Yield & Counterparty Risk25:25 – Strategic Leverage & Capital Allocation29:55 – The Three Planks of Institutional Adoption34:30 – Custody, Competition & Market Dynamics43:50 – BTC Yield as a Corporate KPI50:55 – Operating Companies vs. Trusts & ETFs53:20 – There Is No Second Best58:05 – Focus, Execution & the Bitcoin EraPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

From humble beginnings as a Nebraska farm girl to becoming a millionaire mentor, Loral, joins host Chris Naugle on The Money School Podcast to share how she built an empire that's helped over 10,000 entrepreneurs secure their futures through smart investing, tax strategy, and family-focused legacy wealth planning.They dive into the truth about trusts, breaking down the critical role of structure and language in making sure your wealth lasts generations. You'll hear about Loral's “I'm Dead. Now What?” legacy document, how she set up Roth IRAs for her kids from birth, and her method of training the next generation to borrow from, not burn through, family money.Throughout the conversation, Loral emphasizes that legacy wealth planning isn't just about money, it's about values, vision, and the systems you put in place while you're still alive because whether you're rich or just getting started, legacy wealth planning begins with education, intention, and action.Loral's Takeaways:Career Transition and Current Focus (01:35)Challenges of Being a Road Warrior (02:51)Journey to Becoming a Millionaire Maker (05:46)Transition to Entrepreneurship and Real Estate (08:51)Importance of Trusts and Legacy Planning (11:25)Challenges of Trust Implementation (40:29)Legacy and Family Education (40:45)Economic Challenges and Financial Strategies (40:57)Meet Chris Naugle:From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be.His success and national acclaim have come in large part to what he's learned first-hand from seeking a better way to wealth creation and preservation than he learned growing up.Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier.His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions.As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be.His success and national acclaim have come in large part to what he's learned first-hand from seeking a better way to wealth creation and preservation than he learned growing up.Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier.His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions.As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.Connect with Chris:

In the second part of the two-part series, Taniel sits down with real estate attorney Orlando Santamaria for an in-depth conversation that unpacks the ins and outs of buying property in Mexico, especially in those high-demand beachfront zones. Whether you're worried about legal pitfalls, anxious about navigating Spanish-language contracts, or just curious about how real estate trusts function, this episode is packed with critical advice for anyone considering making Mexico their retirement destination. Taniel and Orlando dig into the realities of the closing process, the role of notaries, the ins and outs of escrow (or what to do if it's not available), and what every buyer should know about pre-construction risks. They also clear up common fears and misconceptions, such as the notion that foreigners never truly "own" their property in Mexico, and break down the exact steps you should take to protect yourself—like how to vet a reputable developer, and the importance of choosing a local attorney who's truly familiar with the region's property laws. If you've ever dreamed of owning a home in Mexico but felt intimidated by the process, this episode will arm you with knowledge and confidence straight from the experts. So grab your notepad—there's a lot to cover, and you're sure to come away more ready than ever to take the leap.   Key Moments:  01:12 Real Estate Contracts: U.S. vs Vallarta 06:53 Notify Banks Before Large Transfers 09:41 Trust Property Protects Assets 12:22 Preconstruction Real Estate Risks 14:04 Minimizing Development Risks with Trusts 17:27 Confident Pre-Construction Investment 21:28 Local Attorneys for Regional Matters   Don't miss out on a free webinar, where experts cover everything you need to know about relocating to Mexico—from the best places to live to essential healthcare information for expats. Register at dreamretirementinmexico.com/webinar.   Want to own a home in Mexico? Start your journey with confidence – download your FREE Taniel Chemsian Properties Buyer's Guide now for expert tips and clear steps to make it happen! Click here -    https://tanielchemsian.com/buyers-guide-youtube/   https://tanielchemsian.com/buyers-guide-podbean/   Contact Information: Email: info@tanielchemsian.com Website: www.tanielchemsian.com Mex Office: +52.322.688.7435 USA/CAN Office: +1.323.798.8893

Send us a textThe Smart Divorce Podcast has joined forces with Stowe Talks Podcast for this special collaborative episode! We are delighted to be joined by special guest Rhiannon Gogh, who is a SEND specialist financial planner. This is an area I am asked about more and more. It was great to have Matt Taylor, host of Stowe Talks, with us to answer the legal questions when it comes to ensuring that SEND families have the help they need. Rhiannon Gogh FPFSRhiannon Gogh is an award-winning Chartered Financial Planner, a Fellow of the Personal Finance Society and a SEND (Special Educational Needs and Disability) Financial Planner. She is the Director of PlanIt Future, the UK's first special needs only advisory firm and the Carers Academy, an online training and consultancy provider for parent carers. In 2024 she founded SENDA, the UK Alliance of Special Educational Needs and Disability Advisers, an independent working group of legal, financial and charity professionals. She has presented for charities and the national network of parent carer forums for nine years and provided financial adviser training for SOLLA, the CII and the PFS. In 2025, she released her first book, Planning With Love, A Guide to Wills and Trusts for Parents of Children With Special Needs. She lives in Somerset with her husband, and two sons, one of whom has profound autism.The book  https://bit.ly/PlanningWithLoveBookhttp://www.carersacademy.co.uk/www.planitfuture.co.ukInstagramLinkedInEventbrite Matthew TaylorMatthew is a Partner at Stowe Family Law. He has been the co-host of Stowe talks, the Stowe Family Law podcast since its inception in 2022. Matthew is a financial specialist, focusing on resolving financial difficulties following divorce and separation, including high-net-worth cases. He has extensive expertise in nuptial agreements and cohabitation agreements and often advises clients on TOLATA matters. He is one of Stowe's pension experts, regularly working on cases involving complex pension structures as well as business assets. Matthew is a Legal 500 Leading Partner.Find out more about the Stowe talks podcast at stowetalks.co.ukand further support at Stowe Support https://www.stowefamilylaw.co.uk/stowe-support/ Tamsin CaineTamsin is a Chartered Financial Planner with over 20 years experience. She works with couples and individuals who are at the end of a relationship and want agree how to divide their assets FAIRLY without a fight.You can contact Tamsin at tamsin@smartdivorce.co.uk or arrange a free initial meeting using https://bit.ly/SmDiv15min. She is also part of the team running Facebook group Separation, Divorce and Dissolution UKTamsin Caine MSc., FPFSChartered Financial PlannerSmart Divorce LtdSmart DivorceP.S. I am the co-author of “My Divorce Handbook – It's What You Do Next That Counts”To learn more about our podcast sponsor Ampla Finance – access their product guide here: https://bit.ly/3IeqmucOr complete enquiry form https://bit.ly/3W4J7pz and one of the team will be in touch.Support the show

In this compelling episode, we sit down with Ayo Noble, a renowned financial protection advisor who has captured the attention of millions with his insightful advice on building and safeguarding family wealth. Ayo shares his powerful journey from personal tragedy to building a thriving business and a 100K+ online audience in just 90 days. Join us for this enlightening conversation and discover how you can protect your family's future and build a lasting legacy. Whether you're just starting out or planning your estate, this episode is packed with valuable insights and practical advice to help you on your financial journey. What You'll Discover: * How to go from 0 to 100K followers: The real tactics behind explosive audience growth and going viral. * Monetisation strategies that work: Learn how to turn your content and community into real income. * Personal branding secrets: Why being relatable, jargon-free, and authentic is the key to standing out. * Inspiring stories and actionable advice: From overcoming setbacks to building generational wealth, Ayo's journey will motivate you to take action. * The truth about life insurance and legacy: How a simple decision can change your family's future forever. Chapters 00:00:00 Introduction & Personal Story 00:01:25 What Is Financial Protection? 00:03:47 Inheritance, Trusts & Tax 00:05:05 Why Don't More People Protect Themselves? 00:12:02 Costs & Accessibility of Insurance 00:15:54 Why Early Action Matters 00:19:55 Trusts & Tax-Free Payouts 00:24:13 Comfort Now, Struggle Later: Mindsets & Money Mistakes 00:29:00 Building Wealth in Your 20s & 30s 00:36:21 Exposure, Networking & Vehicles for Success 00:40:32 Insurance Myths & The Truth About Payouts 00:45:24 Content Creation & Educating at Scale 01:00:17 Practical Tips for Aspiring Advisors & Entrepreneurs 01:05:54 Quickfire Round & Final Reflections

Dom talks with Rural Health Advocate Craig 'Wiggy' Wiggins about Club Connect, the government's plans to relax anti-money laundering checks and recent changes at Federated Farmers. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

A Bolt-On WA State Estate Tax Strategy.

An Estate Planning Lesson from Jimmy Buffett.

In today's episode Warren Ingram & Pieter de Villiers speak to the intricacies of trusts, exploring their significance in estate planning and wealth preservation, discussing the different types of trusts, including living and testamentary trusts, and the importance of asset management within these structures. They also highlight the tax implications and costs associated with setting up and maintaining trusts, as well as the role of trustees. TakeawaysTrusts serve as a foundation for financial security.The primary purpose of a trust is to facilitate the transfer of wealth across generations.Understanding the types of trusts is crucial for effective estate planning.Asset management is key to minimizing estate costs through trusts.Tax implications can significantly affect the benefits of trusts.Setting up a trust involves various costs that should be carefully considered.Offshore trusts can provide advantages in terms of tax and asset protection.The role of trustees is vital in managing trusts and ensuring compliance with legal requirements.Testamentary trusts are essential for parents to secure their children's financial future.Consulting a legal expert is necessary when establishing a trust to avoid pitfalls. Learn more about Prescient Investment Management here.Send us a textReal Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

A Sneaky WA State Estate Tax Strategy.

In this special AMA Mailbag episode, Jean sits down with two thoughtful guests navigating how to prepare for the future as single moms. First up is Rebecca, a mom of two in Oregon, about 15 years out from retirement. She's wondering if she's doing enough to get there. Then we hear from Sarah, a mom in Virginia with a big question: If something happens to her, how can she ensure her assets go directly to her daughter, not her ex? 

A Simple Irrevocable Trust WA State Estate Tax Strategy.

Sally Gimon reveals how a personal tragedy led her to discover a powerful IRS-approved trust that shields assets and slashes taxes, especially for women investors ready to take back control of their financial future.See full article(00:00) - Introduction to United States Women in Real Estate Investing(00:23) - Meet Sally Gimon: From Insurance Agent to Trust Educator(01:05) - How a Family Tragedy Triggered a Financial Awakening(02:42) - The IRS Seizure That Changed Everything(04:36) - Discovering the Power of Spendthrift Trusts(06:11) - Wholesaling a Property and Saving $9,000 Instantly(07:58) - Saving Over $100K in Federal Taxes With the Right Structure(09:33) - How a Business Couple Saved $600,000 in Capital Gains(11:12) - What Most People and CPAs Get Wrong About Trusts(13:19) - Scott and Asher on Trusts: The Legal Textbook Behind the Strategy(15:00) - Bronx Real Estate: A Case Study That Turned a CPA into a Believer(17:14) - Who Needs a Trust? Why This Applies to Everyday Women(19:27) - Understanding the 1041 Tax Form and IRS Code 643(21:39) - Giving Back: Sally's Personal Commitment to Charity(23:10) - Your House Is More Than a Home—It's a Tax Shield(25:44) - Stop Thinking Trusts Are Just for the Wealthy(28:09) - Building a Legacy That Can't Be Touched by Creditors or Courts(30:33) - How to Talk to a CPA Who Doesn't Believe You(32:45) - When Clients Cry: The Emotional Relief of Financial Security(35:00) - Why Women Need to Be Aggressive With Their Protection(37:12) - The Trust That Keeps on Giving—Year After Year(39:48) - Q&A Highlights: Most Common Misconceptions Answered(42:21) - From Kentucky to New York: Real Stories of Transformation(45:03) - Final Words of Empowerment for Women Ready to Rise(48:22) - How to Learn More and Get Started With SallyContact Sally Gimon: https://thetrustisyou.com/Contact Jeune Ortiz: https://www.linkedin.com/in/jeuneortiz/United States Women In Real Estate Investing is the show that brings you closer to amazing women in the investing world who help make this industry so valuable to our nation's economic growth and stability.Come along for a conversational journey of real-life trials, tribulations, and triumphs that many times only women in business experience.With real conversations about strategy, business relationships, actionable steps, financial goals, and more, you've just found your tribe.Empowering and elevating women through conversation in the world of investing.If you'd like to get started in investing, download our free guide: 5 Step Beginners Guide To Real Estate InvestingFollow us on social: Facebook Instagram Twitter LinkedIn TikTok SpotifyHelping you achieve financial freedom through media, networking, and knowledge.Enjoy listening to United States Real Estate Investor content to gain more knowledge and strategies in investing, finance, landlording, property wholesaling, property rehabbing, entrepreneurship, to build wealth, learning, teaching, professional networking, property law, tips and tricks, inspiration, motivation, and creating true financial freedom.United States Real Estate Investor: https://unitedstatesrealestateinvestor.comUniverse Media Mastering: Your audio, more listenable. https://universemediamastering.com/Advertise with us! https://www.unitedstatesrealestateinvestor.com/advertisingMusic Disclaimer: This episode features music by Harris Heller / StreamBeats, which is copyright-safe, DMCA-free, and created specifically for content creators. All music is curated and produced by Harris Heller.

Attention! New Inherited IRA Rules.

Zola Cossie, head of Fiduciary at Standard Bank Wealth and Investment in South Africa, discusses what trusts are, how to use them, and their importance when it comes to estate planning. SAfm Market Update - Podcasts and live stream

This evening we dive into market movements with Momentum Securities we speak to Gibs about Treasury opposing the proposed nationalisation of the Reserve Bank, Standard Bank helps us understand the role of trusts in estate planning, we speak to Outa about the City of Johannesburg securing a R2.5bn loan, we discuss the impact of the SAB Social Innovators Foundation, and in this week's SME, we speak to Credipple, a online talent and recruitment platform aiming to bridge Africa's digital skills divide. SAfm Market Update - Podcasts and live stream

Do Deathbed Gifts Avoid Estate Taxes?

Listen to two TEXCOM members in this podcast where Kim McGhee, a legal specialist in Estate Planning, Trust & Probate Law by the California State Bar, certified Elder Law attorney and VA accredited attorney, discusses key incapacity issues with respect to estate planning, as hosted by Kimberly Strand. While people are living longer than ever before, incapacity later in life is also growing more prevalent, and elder abuse is on the rise.  In this podcast, we review the documents necessary for thorough incapacity planning — the considerations involved in creating them and, importantly, when and how to implement them.  Why planning in advance so importantHow to handle clients when you see a slipping of capacityThe cross-over between incapacity and elder abuseCurrent challenges with conservatorships Kimberly R. McGhee, is the principal attorney at Black & McGhee, A Professional Law Corporation. She is a Certified Elder Law Attorney by the National Elder Law Foundation, a Certified Specialist in Estate Planning, Trust & Probate Law by the State Bar of California Board of Legal Specialization, V.A. Certified Accredited Attorney, and member of the California Lawyers Association, Trusts and Estates Executive Committee (TEXCOM). She is the Past-President of the Southern California National Academy of Elder Law Attorneys, Member of the Thomson Reuters Practical Law Trusts & Estates Advisory Board, and contributing author and editor for CEB's Trusts & Estates practice guide. She is licensed in California and Nevada. Kimberly A. Strand, Esq. is a shareholder at Ellerman Strand, a Professional Law Corporation in Cameron Park, California. She received her J.D. degree, with honors, from the State University of New York at Buffalo. She practices in the areas of estate planning, trust and probate administration, and conservatorships. She also represents private fiduciaries and public administrators in probates, trust administrations, and conservatorship matters.  She serves on the Executive Committee of the Trusts and Estates Section of the California Lawyers Association (TEXCOM).Thank you for listening to Trust Me!Trust Me is Produced by Foley Marra StudiosEdited by Cat Hammons and Todd Gajdusek

Transfer on Death Deed Failure Story.

Stephen Grootes speaks with Warren Ingram, Co-Founder of Galileo Capital, about the relevance of unit trusts in today's investment landscape, discussing their benefits, such as diversified portfolios and expert management, while also exploring potential drawbacks like high fees. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/CapeTalk702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/Radio702CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

In this episode, Warren Ingram and Pieter de Villiers discuss the complexities and costs associated with estate planning, understanding the importance of forward planning to minimize financial burdens on loved ones after death. They explore various strategies for efficient estate planning, including the role of retirement funds, the benefits of donations, and the implications of offshore assets. TakeawaysUnderstanding the costs involved in estate planning is crucial.Estate duty can significantly impact the value of an estate.Professional help is essential for effective estate planning.Retirement funds can be a tax-efficient way to pass on wealth.Donating to beneficiaries during your lifetime can reduce estate size.Life insurance policies can help avoid executor fees.Offshore assets require careful planning to avoid high taxes.Marital status affects estate planning strategies.Trusts can be beneficial but should not be solely for tax savings.Starting estate planning early can save time and money later.Learn more about 10X Investments today: https://bit.ly/4hiEscGSend us a textReal Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Attorney Diane Clair. A Georgia-based legal expert specializing in: Real Estate Law Estate Planning & Probate Business & Contract Law She also teaches real estate law at Kennesaw State University and offers a Real Estate Investing Masterclass.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Attorney Diane Clair. A Georgia-based legal expert specializing in: Real Estate Law Estate Planning & Probate Business & Contract Law She also teaches real estate law at Kennesaw State University and offers a Real Estate Investing Masterclass.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Attorney Diane Clair. A Georgia-based legal expert specializing in: Real Estate Law Estate Planning & Probate Business & Contract Law She also teaches real estate law at Kennesaw State University and offers a Real Estate Investing Masterclass.

Wills that don't work. Trusts that get tangled. Heirs scrambling to figure out who gets what—and when. If you've got U.S. investments but live in Israel, your estate plan might be headed for a legal mess without even realizing it. This episode unpacks the real-world problems that come up when your legal documents aren't built for cross-border life—and how you can avoid costly, confusing mistakes by getting your financial and legal teams to actually talk to each other. You'll learn how to set up your plan so your heirs don't need a PhD in international law to carry out your wishes—and why a little proactive planning now can save everyone a lot of headaches later. Key takeaways and action points: Don't assume your U.S. will works in Israel (or vice versa)—get it reviewed Loop your financial advisor in before you finalize estate documents Leave your heirs a roadmap, not a scavenger hunt Work with pros who understand both sides of the ocean

Hi This is Brad Weisman - Click Here to Send Me a Text MessageZach Tsakiris, founder of FastWill.com, explains how his online platform makes creating wills and trusts accessible and affordable compared to traditional legal services that often overcharge for basic estate planning documents.• Approximately 60% of Americans don't have wills, leaving critical decisions about children, assets, and healthcare to the government • Without a will or trust, the state decides who raises your children and how assets are distributed when you die• Revocable living trusts aren't just for the wealthy - they help bypass probate court and offer more control• Estate planning includes customizable options for pets, social media accounts, and even funeral song selections• Remote notarization ensures documents can't be disputed and eliminates the need to visit a bank• Users can store documents digitally, make updates as life changes, and access a nationwide network of attorneys• FastWill also offers a B2B platform for financial advisors to provide estate planning services to clientsVisit FastWill.com today to create, sign and notarize your estate planning documents from home.#fastwills #trusts #wills #estateplanning #thebradweismanshow ---Welcome to The Brad Weisman Show, where we dive into the world of real estate, real life, and everything in between with your host, Brad Weisman!

We've managed to cobble together another themed Q&A episode, this week dealing with questions around Inheritance Tax, Trusts and Care planning. Lots for Roger and Pete to get stuck into! Shownotes: https://meaningfulmoney.tv/QA18  00:48  Question 1 Hi Pete, Hi Rog, Thanks for your ongoing work on the Podcast, I've been listening for many years and have learned a great deal from you both. Keep up the good work! My question is in relation to trusts. My parents, both aged 70, have recently got round to updating their wills, putting POA in place for finance and health and have been in discussion with a solicitor about putting a trust in place, primarily to safeguard their assets from being used up in the event of them having to go into care in later life. At present I believe their estate to be approximately £600,000 including their house which I would imagine is worth approximately £250,000. The rest is made up of savings. I don't believe their estate would be subject to inheritance tax so I don't believe this is the reason for setting up a trust. I have listened back to your previous episodes on trusts but I was wondering, firstly whether much has changed since these podcasts in relation to the general setting up and management of a trust? Secondly I wondered if you could explain the negatives to my parents putting the majority of their assets into trust, namely are there any ongoing fees, can my parents take assets out of the trust should they need to and what are the tax implications for the beneficiaries when my parents pass away? Would any of these things change in the period where only one of them has passed away? I appreciate this is a huge topic and you may not be able to address all of these queries but it appears they have been advised of the positive parts of this process but I would like to ensure we are aware of the potential pitfalls. Thanks once again! Jon 11:10  Question 2 Hi Pete and Roger, Still loving the show and I'm enjoying the current variation in format - keep up the fantastic work! My question relates to estate planning: My wife and I own our home (mortgage free) 50/50 as tenants in common. We have up-to-date wills, LPAs, expressions of wishes and "Dead Files" set up. Each half of the house will be left to our daughter as and when, with the appropriate "right to reside" wording in place for the remaining partner. We are both in our late fifties, so hopefully not needed for many years yet. The IHT side is fine as it's just numbers - allowances and values etc. What I can't quite get my head around is any potential CGT liability for our daughter following the second death. Not so much for the financial impact, as she is already comfortable in her own right (with my and - via the podcast - your encouragement over the years) and will inherit further monies when we pass, but more from a planning perspective. I have looked online and disappeared down several rabbit holes, but from what I can gather although she inherits half the house on the first death, essentially because the surviving partner continues to live in it and therefore any actual money can't be realised, CGT is only calculated from the date of the second death (assuming she sells the house at that point). Is this correct, or will her CGT liability on half of the value start on the first death and be based on (half of) the house valuation at that time, as obtained for that probate? Maybe I'm taking the planning a little too far, but I like to be prepared. These circumstances will be more and more relevant to families over time, I'm sure. Your usual wisdom and common-sense views would be very much appreciated (even if the answer is "...it depends!"). Thank you again for the information and humour the two of you provide each week - long may you continue! Best wishes, Glen 16:11  Question 3 Hi guys Thank you both for a great podcast, big shout-out to Rog because he gets missed off sometimes in these testimonials – genuinely wish I had found this podcast years ago. Have made so many past mistakes but now correcting them one by one! I have a question about care costs which I hope you could answer. My mum is suffering from late stage dementia and my dad who is her 24/7 carer is struggling to cope (they are both 80yo). I have PoA for my mum and am trying to involve myself more in her care plan going forwards. Care (in the home initially) is going to be required and I was wondering how this is paid for. My parents worked hard and have reasonably large savings and investments in both their individual names and in joint names and the extent of these means they would have to pay for care. What we are not clear on is whether money or investments in my mum's name would ONLY be used to pay for her care or whether jointly held money or investments would be used or whether anything in my father's name would also be used to pay for care? I've tried to find the answer to this online but cannot find a clear answer so remain confused! Also are there things that we should be doing to manage this better – end of life planning, trusts etc etc? My dad worked incredibly hard to provide something to his grandchildren and he is actively putting off getting help and harming himself for fear that he won't be able to pass something down to his grandchildren – this is incredibly sad and feels cruel. Any advice that you could give would be much appreciated. Keep up the great work David R 23:30  Question 4 Hello Pete & Roger, Firstly I want to say thank you so much for all the work you do to teach all us mere mortals how to navigate the world of personal finance. I have a question: Everyone talks about merging finances with a partner and then having children. I am in my mid 40s and my children are early 20s. I have a partner and I hope to move in with him one day (he has no children) I might move in with one of mine. How do I protect what I currently have and ensure that goes to my boys? He has considerably more than I do and I don't expect him to support or pass anything on to my boys. I understand I don't want to do a mirror will but would I do a “prenup”? We aren't getting married. Is there a cut off point “moving in day” where everything after that is split 50/50 with the new partners? Or am I over thinking this? I have been through one divorce and don't want to again but I do want to protect what is mine for the sake of my boys. Any advice would be very welcome. Thank you and keep up the AMAZING work. Kind regards, Carla. 28:56  Question 5 Hi Pete, Roger, Nick, Ruth and everyone else in your fantastic team. I have a few questions around a niche scenario that I can't find answers to online. I'm hoping you can point me in the right direction. My parents-in-law were convinced to transfer their home into an asset protection trust in the past before I met them (more than 10 years ago, as I think that's relevant). They were told it would help avoid having to pay care costs. They now know this was never going to be suitable for them, and are looking to mitigate the damage. I suspect the names McLures Solicitors, Jones Whyte, Andrey Robertson and Cynthia Duff might be depressingly familiar to you. The ownership of the house was changed to tenants in common, and each of them transferred their half of the house to a separate trust. So there was the Mr M trust and the Mrs M trust. The trusts were set up such that Mr M and 2 financial advisers were the trustees of the Mr M trust; Mrs M and the 2 financial advisers were the trustees of the Mrs M trust. The trust deed gave the settlors the right to add or remove trustees during their lives. When I started to look at this, I felt there were 3 stages to resolve this: 1. Change the trustees to a more sensible arrangement. 2. Update the land registry with the correct trustees. 3. Decide whether to end the trusts. I knew the first 2 steps were going to need a solicitor, who my parents-in-law found. However, the first 2 stages have now been resolved. So, they're now looking at the final stage - deciding whether to end the trusts. It's clear their current solicitor isn't going to be right for them for this part. I think the disadvantages to leaving the trusts in place are: - If either of them need care in the future, I don't think the trusts will make any difference in the local authority's means assessment. - The property is likely unmortgageable if they should need any kind of equity release in the future, for example to pay for care. - Neither trust has been registered with HMRC due to the original solicitors ceasing trading. There might therefore be a tax charge/penalty charge, and an obligation to file periodic tax returns for the trusts. Their preference is to wind up the trusts, but are there any pros to leaving them in place? And are there any cons I haven't thought of already? Knowing that "should" is a dirty word in financial advice, I'm trying to find out whether ending the trusts might have any drawbacks or tax liability. My understanding is that they each transferred their share of the property to the trust when the house was valued at £X. If the trusts are ended, they'll receive the property back at a value of £Y. My questions are: - Is there any tax liability, based on the difference in property value between £X and £Y? - Could they be entitled to any tax reliefs based on their circumstances? - Are there any other drawbacks you can think of that we might not have considered? I know you can only give general information and guidance, but I couldn't work out an answer to this myself. I couldn't even work out which type of professional they should speak to - a solicitor, accountant or financial adviser. I'd be really grateful if you could point us in the direction to get some personalised help. Many thanks, Mathew 33:55  Question 6 Hi Pete, Roger, As a long-time listener and viewer of your channel, I appreciate your insights on keeping costs low, investing in global funds, ensuring tax efficiency, and the benefits of long-term investing. My wife and I have recently become a grand-aunt and grand-uncle. Rather than giving the usual presents, we'd like to do something more practical by investing regularly (£100/month) for our grandniece—after all, there's no better time to start long-term investing than from birth. Likewise, we're comfortable investing 100% in equities, given the long time horizon. On the surface, I suspect you'd recommend a Junior SIPP or a Junior ISA. However, the challenge is that she (and her parents) are French citizens, living in France and paying taxes there. While I appreciate that you focus on UK matters, are you able to provide any pointers on how we could invest in a low-cost global fund for her under these circumstances? Many thanks for your time and any guidance you can offer. John

In this episode, Angela discusses the implications of the SECURE Act and its amendments on retirement accounts, particularly when trusts are named as beneficiaries. She emphasizes the importance of reviewing trusts written before July 2024 to ensure compliance with the IRS's final RMD regulations and to avoid unintended tax consequences. The episode aims to educate listeners on the complexities of tax laws and the need for professional guidance in estate planning. Key Takeaways

The Trust Myth That's Sabotaging Your Leadership (Hint: It's Not What You Think) Time to bust the biggest leadership lie out there: that consistency automatically builds trust. Spoiler alert – it doesn't. In fact, if you're being consistent with the wrong things, you're actually destroying trust faster than a Captain Jack Sparrow con job. The Consistency Trap Here's where most leaders go wrong: they think being consistent means sticking to someone else's playbook no matter what. Following strategic plans religiously. Borrowing character traits that aren't authentically theirs. Sound familiar? You're basically cosplaying as a leader instead of actually leading. The Captain Jack Sparrow Truth Bomb "I'm dishonest, and you can always trust a dishonest man to be dishonest. It's the honest ones you have to watch out for." Harsh? Maybe. True? Absolutely. There's honor among thieves because they're consistent with their actual values, not some borrowed blueprint. Why Your Team Doesn't Trust You (And It's Not Your Fault... Yet) When 45% of people lack trust in leadership, the problem isn't time or consistency – it's authenticity. Your team can smell inauthenticity from a mile away. They're watching your actions, not listening to your words. And if your values flip-flop based on convenience? Game over. The Courage Connection Here's the real secret sauce: courage beats time every single day. It takes guts to admit when something isn't working. It takes backbone to align your leadership style with your actual values instead of what you think leadership "should" look like. And it takes serious bravery to reach out for help when you're feeling isolated. The Bottom Line: Stop playing leadership dress-up. Start showing up as your authentic self, even if it's messy. Your team would rather follow an imperfect leader who's genuine than a perfect leader who's fake. Tune in for: Why consistency without authenticity is leadership suicide The Captain Jack Sparrow approach to building unshakeable trust How to spot when you're borrowing someone else's character The courage-based framework that transforms struggling leaders into trusted guides Real talk about reaching out for help (spoiler: it's not weakness, it's wisdom) Ready to trade the leadership costume for authentic influence? This episode is your permission slip to be real.

In this episode of Founder Talk, we sit down with Blake Harris—an asset protection attorney, founder of the nation's largest exclusively offshore asset protection law firm, and a creator with over 250,000 followers across social platforms.We go deep into the powerful intersection of content, credibility, and business growth. Blake breaks down how building a personal brand transformed his firm, why he ditched traditional marketing agencies to build an in-house content team, and how offshore trusts are becoming a must-know tool for founders looking to protect their assets.Here's what you'll learn from Blake:✅ Why offshore asset protection trusts are exploding in popularity and how they work✅ Why building a strong personal brand isn't optional if you want to stay relevant and dominate your market✅ How to build an in-house content machine that actually drives revenue (and saves money)✅ What most B2B professionals get dead wrong about social media—and how to fix it✅ How Blake combines in-person relationship building with video content to drive long-term business growth✅ The real ROI of content creation for founders (hint: it's not just clients)✅ How crypto and AI are reshaping the legal world—and what it means for business owners✅ The mindset shift that separates leaders who win from those who get left behindWhether you're a founder, service-based entrepreneur, or professional looking to build real authority and protect what you've built, this conversation is loaded with real talk, practical lessons, and founder-to-founder perspective.Hit subscribe for more founder conversations that give you real insights, no fluff.Where to Find Blake HarrisLinkedIn: https://www.linkedin.com/in/blake-harris-08a106b/Website: https://blakeharrislaw.comWant to work with us?At Impaxs Marketing we partner with 7-8 figure B2B companies to help them build their own internal content team, take control of their brand, and grow their business through video content and social media marketing. No need to outsource your content to an agency ever again! We do this by implementing our proven 5-step process we call, “Brand5 Content System”. Check out pricing and services here: ⁠https://impaxs.com⁠Subscribe to my weekly CMO briefing for unfiltered insights on the biggest marketing shifts, real-life strategies I'm using to scale companies fast, and key lessons from real-world experience—what's working, what's not, and why. No fluff, no filler, just actionable insights you can use immediately. Sign up now to stay ahead: ⁠https://impaxs79863.activehosted.com/f/12⁠

God is glorified when the power to be holy comes from humble faith in future grace.

Today, I'm excited to speak with Amy Wirtz, Senior Consultant with The Family Business Consulting Group. Amy works closely with families to identify their goals around values, ownership, and financial wealth, and helps them establish family offices, councils, and enterprise governance systems to support these goals. She served as a lawyer for 27 years, with the last 10 years practicing collaborative law. In addition, Amy is a trained mediator and skilled facilitator in conflict resolution, communication, and listening skills. She serves on multiple family business advisory boards and frequently teaches and speaks at business forums, including YPO, YPO Family Office, Private Company Governance Conference, and The Exit Planning Institute. In today's conversation, we'll zoom into generation-skipping trusts, which are both powerful and popular estate planning vehicles deployed by UHNW families and their advisors. We start with the basics, and Amy providing a definition of what generation-skipping trusts are and why are they so commonly utilized by families of wealth. Like all estate planning, risk management, and tax optimization strategies, there are both pros and cons and complexities associated with generation-skipping trusts. Amy talks about the long-term implications for families who establish and subsequently must live within these legal structures. Amy offers some practical tips and suggestions for families who are just starting to consider generation-skipping trusts, helping outline what they should know and beware, and how they should prepare the family for these structures. Amy then offers some pointers and advice for families who already have established generation-skipping trusts, sharing her insights into how they can live their lives in accordance with their goals and preferences while still managing and complying with the complexities of these existing legal structures. Please enjoy this deeply insightful conversation with one of the leading practitioners and consultants in the area of trust and estate planning for UHNW families.

Interview recorded - 6th of June, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Clive Thompson. Clive has years of experience in the wealth management industry & a unique insight into central banks.During our conversation we spoke about what Clive is seeing in the economy, financial repression, changing system, US dollar and what industries Clive is watching. I hope you enjoy! 0:00 - Introduction2:35 - What is Clive seeing in the economy?6:13 - Financial repression?9:21 - Changing system11:48 - BRICs vs Western system?13:38 - FED mistake?15:47 - US Dollar18:13 - Capital flows19:40 - Europe vs US21:12 - Strong industries?23:20 - AI eliminating corporate workers?27:12 - The Fourth Turning32:35 - Investing in AIClive has 47 years of experience in finance & wealth management. This encompasses structuring and advice relating to quoted investments, Private Equity investments, family businesses, tax, residency, real estate, inheritance, Wills, legal, lending, Trusts, Companies and Foundations and all kinds of personal and private advice. He has been actively involved for decades in the arena of Trust structures. This often involved negotiating and discussing the contracts relating to the sale of family companies.Clive's latest position before retirement was as Managing Director in the Anglophone Private Clients Department of Union Bancaire Privée, UBP SA, based in Geneva. He was responsible for wealth management services provided to a small number of wealthy English and French speaking families.Clive continues to remain very active in the world of wealth, with a strong focus on Private Equity, and direct Equity Investing via the global stock markets. His passion is the financial analysis of Balance Sheets, P&Ls, Cash Flow and business projections. Clive loves examining business opportunities, like Private Equity, and digging into the fundamentals of quoted companies to achieve a market beating performance.Clive Thompson - YouTube -  @clivethompson-jc9my  LinkedIn - https://www.linkedin.com/in/clive-thompson-661997251/Video - https://www.youtube.com/watch?v=L9aye4wQ8OkWTFinance - Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

In part two of this three-part series, Colleen welcomes back Jennifer Williams to explore the financial power behind Employee Ownership Trusts (EOTs). This isn't just a values-based feel-good exit. EOTs now offer significant tax advantages that can rival, and even exceed, traditional business sale routes. From how to qualify for the new $10M lifetime capital gains exemption to why Canada introduced this legislation, Jennifer breaks it all down - plus, the importance of doing it right with guidance from experts.   ✨ Key Highlights and Timestamps  

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationWelcome to our latest episode!Ready to fast-track your journey to millionaire status? Join host Bronson Hill and co-host Nate Hambrick for an electrifying conversation with Loral Langemeier, a six-time New York Times bestselling author and founder of Integrated Wealth Systems. Recorded in mid-May 2025, this episode dives into Loral's 25-year legacy of mentoring millionaires, from her Nebraska farm roots to building 272 fitness centers for Chevron's oil rigs and distributing 25,000 Cashflow games globally. A master of wealth creation, Loral shares insights from her books, The Millionaire Maker and Make Your Kids Millionaires, revealing how to shift from a make-and-spend cycle to a make-and-invest mindset. Discover why 86% of millionaires are self-made, how to leverage debt for 15-18% returns, and why alternative assets like oil and gas, aviation, and crypto in Roth IRAs outperform traditional mutual funds. Loral also unpacks tax strategies—using trusts, LLCs, and depreciation schedules to slash taxes—and the art of brokering deals to solve high-value problems.Loral's actionable steps, including her “Three Days to Cash” workshop, will inspire you to build wealth boldly.TIMESTAMPS00:48 - Guest introduction: Loral Langemeier 02:03 - Loral's journey: From Nebraska to millionaire mentor 07:17 - Millionaire mindset: Make and invest, not spend 09:23 - Fast cash: Three Days to Cash workshop success 11:53 - Teaching kids: Pressure washing to millions 14:01 - Brokering deals: Solving high-value problems 16:18 - Deal pitfalls: Designing your divorce upfront 18:23 - Trusts and LLCs: Building a Rockefeller legacy 21:48 - Asset protection: When to start trusts 24:39 - Alternative assets: Oil, gas, and aviation 27:07 - King Air strategy: 100% depreciation in five years 31:54 - AI and CPAs: Why strategists still win 32:37 - Roth IRA hacks: Crypto and real estate deals 37:41 - How to connect: Free tickets and gap analysisConnect with the Guest:Website: https://askloral.com/The Millionaire Intensive: https://askloral.com/event/Instagram: https://www.instagram.com/askloral/?hl=en#MillionaireMindset#TaxStrategy#AlternativeInvesting#RealEstate#OilAndGas#RothIRA#WealthBuilding

The Leadership Legacy: Estate Planning with Purpose In this insightful series, I sit down with Sara Ecklein, a California-based professional fiduciary, to unpack the often-overlooked leadership responsibility of estate planning. We explore how proactive planning—through trusts, wills, and end-of-life directives—is not just about assets, but about clarity, care, and legacy.

This week, Todd Lutsky explains how an irrevocable trust protects your assets from nursing homes and why it might be the best estate planning path for you.

What is probate and why do people hate it? We do estate planning. We do probate. We do it well. If you are in Washington State and need help, you can get a free strategy session at the link in our bio. #estateplanning #probate #realestate #wealth #trusts #legacy #estatetaxes

In this episode, hosts Tait Duryea and Ryan Gibson sit down with attorney Amanda Wynalda from Anderson Advisors to unpack everything pilots and high-income earners need to know about trusts, wills, and asset protection. From revocable vs. irrevocable trusts to layering LLCs and avoiding the due-on-sale clause, this episode is a blueprint for protecting your wealth while staying legally compliant. Amanda Wynalda is a licensed attorney and executive at Anderson Business Advisors, where she leads the land trust and deed department. With a background in tax law, estate planning, and a personal history in a multi-generational real estate business, Amanda brings practical and legal expertise to asset protection. She's also a dynamic speaker, educator, and trusted advisor for high-income professionals looking to protect and structure their wealth.Show notes:(0:00) Intro(04:51) Amanda's legal and real estate background(08:13) Key differences between wills and trusts(12:41) Importance of funding your trust properly(20:41) Choosing the right trustee and backup(23:11) Real estate structure for everyday pilots(32:58) Liability risks with and without entities(46:17) Protecting your mortgage from acceleration(54:28) OutroConnect with Amanda Wynalda:Website: https://andersonadvisors.com LinkedIn: https://www.linkedin.com/in/amanda-fletcher-wynalda-a1a6373 — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

In this episode, Jack Sharry talks with Allie Carey, Chief Strategy Officer, SEI Private Banking and Wealth Management. Allie focuses on strategic planning, global wealth management industry assessment, global go-to-market strategies, channel partnerships, and M&A opportunities. Jack and Allie talk about the role of bank trusts and private banks in wealth management. Allie shares how banks can harness their vast client base to drive organic growth, the opportunities in private banking, and how technology and data transform how banks serve their clients.  In this episode: (00:00) - Intro (01:51) - Allie's role at SEI (03:10) - The need for evolving skill sets in the industry (04:19) - How SEI serves clients (08:03) - Opportunities for wealth management in the bank channel (13:00) - SEI's growth strategies (16:45) - Allie's thoughts on UMH (18:14) - The future of private banks (24:25) - Allie's key takeaways (25:08) - Allie's interests outside of work Quotes "Banks have a massive client base across their different business lines. A wealth management business inside a bank can work with its commercial colleagues. They can work with their retail colleagues and their lending colleagues." ~ Allie Carey "We're getting to the point where we could have some real advice across the lifecycle of someone delivered via technology, where humans are curating that, not creating it." ~ Allie Carey  "Banks are well-positioned to win in wealth management. They have that near-end client base. They have the breadth of services to really serve the whole client." ~ Allie Carey Links  Allie Carey on LinkedIn SEI Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

“ We might need only 10% of the population to have a tipping point into a brighter future — to change lives for the better at scale by recognizing your potential to calm others. We're in this thing together.”  Life right now seems chaotic, but there's a method to the madness — welcome to the challenge of our generations. It sucks, it's not fair, it's been going on too long, and it feels like we're sacrificing our children to some golem of change—with no relief in sight. We need something to believe in and something to do about it, so longtime friend of the pod - and personal mentor Bob Gilbreath shares what works for him in a recent essay from his Substack, the Workaround.This hit me in a moment when I needed it most. It might help you handle the stress, and maybe even convince you to be the tiny pair of butterfly wings that delivers positive change. LEARN MORE: behearty.substack.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices