• Why Good Powers of Attorney Still Fail
    Mar 3 2026
    Most people think signing a power of attorney is the hard part but the real challenge is making sure it actually works when someone you love needs to use it. In this episode, Jill shares a real-life story of a daughter trying to help her mother and running into unexpected roadblocks with a bank, even though the legal documents were properly signed years earlier. You’ll learn why “good” estate planning can still fail in the real world and the five practical steps you can take now to reduce friction later. This episode is about moving from legal theory to real-life implementation because Death Readiness isn’t just paperwork; it’s making sure your plan works when life gets messy. What You’ll Learn in This Episode First: Understanding the Basics A power of attorney (POA) is the legal document.The person named to make decisions on someone else’s behalf is the agent.The person granting authority is the principal.Capacity matters: once someone loses the ability to understand decisions, the window to create a power of attorney closes.Immediate vs. springing powers of attorney — and why that distinction matters in a crisis. Real-World Lesson: Why Good Documents Still Hit Roadblocks Banks often hesitate to accept older powers of attorney.Financial institutions prioritize fraud prevention and risk reduction.Front-line employees may not feel comfortable interpreting legal documents, even valid ones.A legally sound power of attorney doesn’t always match a bank’s internal expectations. Jill’s Five Real-World Power of Attorney Tips #1 Make effectiveness obvious. Clearly state when the power of attorney becomes effective so no one is guessing in a high-stress moment. #2 Include Third-Party Reliance language. Help banks and financial institutions feel protected when they rely on your document. #3 Get your power of attorney on file early. Don’t wait for a crisis. Ask each financial institution what they need now. And be careful: Agent ≠ Joint OwnerAdding someone as joint owner can change ownership rights and estate outcomes. #4 Meet banks where they are. Banks are cautious for a reason. Proactive conversations and appointments before a crisis can prevent future delays. #5 Refresh documents periodically. Even if nothing changes, updated documents often feel more reliable to third parties and can reduce resistance. Resources & Links Episode 17, How Powers of Attorney Work, When to Use Them, and When It’s Too Late to Get One Power of Attorney – Third Party Reliance Section: https://drive.google.com/file/d/1PlbNW7Ty4VUxgvrRgOnVoGQJDnoc6hol/view?usp=drivesdk Connect with Jill: Website: DeathReadiness.comEmail: jill@deathreadiness.comLearn more about Jill’s solutionsSubscribe to the Death Readiness Dispatch!Submit a question for Tuesday Triage Did you enjoy this episode? Share it with someone you care about. This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy. Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents. Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.
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    21 mins
  • How to Give Without Jeopardizing Government Benefits
    Feb 24 2026
    A grandmother wants to divide her wealth equally among her grandchildren — but one grandchild has Down syndrome, and a simple gift could unintentionally jeopardize eligibility for important government benefits. In this Tuesday Triage episode, Jill walks through required minimum distributions (RMDs), why “equal” doesn’t always mean “fair,” and how thoughtful planning protects both generosity and long-term support. You’ll learn how special needs planning tools like ABLE accounts and third-party special needs trusts help families give with love without causing unintended consequences. What You’ll Learn in This Episode The Real Question Behind the Gift. Why a grandmother’s desire to treat grandchildren equally can create hidden risks, how generosity and fairness sometimes require different planning strategies, and the importance of slowing down before writing checks. Understanding Required Minimum Distributions (RMDs). What an RMD actually is and why age 73 matters, how the IRS calculates your RMD using life expectancy tables, and the difference between a traditional IRA and a Roth IRA when it comes to RMD rules. Family Dynamics Most People Skip. Why conversations with parents matter before giving money to grandchildren, common emotional expectations that quietly attach themselves to gifts, how financial gifts can create tension between generations, even when well intended, and alternatives to cash gifts that still feel meaningful Accounts for Minors Explained Simply. What a 529 account is and when it makes sense, the difference between UTMA and UGMA accounts, and why custodial accounts legally belong to the child. Special Needs Planning Essentials. What “means-tested benefits” actually means,why direct gifts can unintentionally reduce or eliminate SSI or Medicaid eligibility, how eligibility thresholds work and why even temporary increases matter, and the long-term consequences of well-intentioned gifts. Tools That Help Families Give Safely Third-party special needs trusts. Funded by parents or grandparents and assets don’t count against benefits. when properly drafted ABLE accounts. What ABLE stands for (Achieving a Better Life Experience), how these accounts allow savings for individuals with disabilities, 2026 contribution limits and key restrictions, and why coordination with parents is crucial. The Bigger Lesson. Why communication matters as much as the money itself, how mismatched expectations can create family conflict, andwhy thoughtful planning is an act of love, not just a legal exercise. Resources & Links Tennessee Estate Planning Services with Jill Mastroianni: https://www.deathreadiness.com/estate-planning-solution Connect with Jill: Website: DeathReadiness.comEmail: jill@deathreadiness.comLearn more about Jill’s solutionsSubscribe to the Death Readiness Dispatch!Submit a question for Tuesday Triage Did you enjoy this episode? Share it with someone you care about. This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy. Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents. Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.
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    18 mins
  • Why Small Acts of Care Matter More Than You Think
    Feb 20 2026

    In this Friday episode, Jill shares the unexpected lessons she’s learning from fostering a puppy named Boots, and how chaos, inconvenience, and small acts of care reveal what agency really looks like. Through stories about raising a guide dog puppy as a child, parenting, and estate planning, this episode reframes death readiness as something much more human: choosing small, meaningful actions even when the outcome isn’t guaranteed.

    What You’ll Learn in This Episode

    Agency isn’t always big or visible. Sometimes it looks like fostering one dog, making one appointment, or organizing one folder, small actions that still move life forward.

    Discomfort is often part of meaningful care. Whether it’s fostering a puppy or updating your estate planning documents, the things that matter most are often inconvenient, and worth it anyway.

    Preparation creates power. Jill reflects on responding to overwhelming world events by returning to what she knows best: knowledge, planning, and helping others feel more prepared.

    What we model matters. Fostering Boots becomes a way for Jill to show her daughter that small acts still have value, even if they don’t change the whole world.

    Estate planning and fostering share surprising parallels. Both require patience, emotional risk, and planning for a future you may not personally see.

    You don’t have to enjoy something for it to be important. Jill compares updating her records to running: she never regrets doing it, even when she doesn’t feel like starting.

    Small acts compound into legacy. The episode reminds listeners that legacy is built through consistent, imperfect, everyday decisions, not grand gestures.

    Resources & Links

    Detroit Dog Rescue: https://detroitdogrescue.com/

    Connect with Jill:

    • Website: DeathReadiness.com
    • Email: jill@deathreadiness.com
    • Learn more about Jill’s Solutions
    • Subscribe to the Death Readiness Dispatch!
    • Submit a question for Tuesday Triage

    Did you enjoy this episode? Share it with someone you care about.

    This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy.

    Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents.

    Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.

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    13 mins
  • Why You Should Beware of Tax Advice Via Social Media
    Feb 17 2026

    A viral Instagram reel claims California’s Proposition 19 “hijacks your kids’ inheritance.” In this Tuesday Triage episode, Jill walks through the facts behind the fear. Using a real-world example, she explains how California property taxes actually work, what changed under Proposition 19, and why federal tax rules like step-up in tax basis still protect many beneficiaries. This episode is about slowing down, adding context, and replacing social-media sound bites with real understanding.

    What You’ll Learn in This Episode

    Why estate-planning advice from social media can be misleading without context

    The difference between property taxes and capital gains taxes

    How Proposition 13 created predictable property-tax increases in California

    What Proposition 19 changed about parent-to-child property transfers

    How reassessment works when real estate is inherited

    The primary residence exception under Proposition 19

    Filing requirements for the parent-child reassessment exclusion

    Why step-up in tax basis remains a powerful tax benefit when inheriting property

    Financial options after inheriting a home, including selling or renting

    What property taxes actually fund in local communities

    Resources & Links

    Tennessee Estate Planning Services: https://www.deathreadiness.com/estate-planning-solution

    True Hustle Podcast YouTube Clip re: Proposition 19: Start at 2:35 https://www.youtube.com/watch?v=Az1bbDbiYRo

    Proposition 19: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200ACA11

    Connect with Jill:

    • Website: DeathReadiness.com
    • Email: jill@deathreadiness.com
    • Learn more about Jill’s Solutions
    • Subscribe to the Death Readiness Dispatch!
    • Submit a question for Tuesday Triage

    Did you enjoy this episode? Share it with someone you care about.

    This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy.

    Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents.

    Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.

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    22 mins
  • How to be Fair to Your Children in Your Estate Plan
    Feb 10 2026

    What happens when you give one child a house during your lifetime but want to keep your estate plan “equal” later? In this Tuesday Triage episode, Jill answers a listener question about lifetime gifts, equalizing inheritances, and how beneficiary designations can complicate even the best intentions. Through practical examples, Michigan law, and a real court case, this episode explains why documentation matters when fairness between children is at stake.

    What You’ll Learn in This Episode

    • A lifetime gift to one child does not automatically count toward that child’s inheritance.
    • In Michigan, when a person has a Will, this concept is called ademption by satisfaction.
    • For a lifetime gift to count toward inheritance, there must be written evidence of intent.
    • That writing can come from: (i) the Will itself, (ii) contemporaneous written statement by the parent, and (iii) written acknowledgment by the child receiving the gift
    • Beneficiary designations override the Will, which can make equalization difficult.
    • Equalization clauses in a Will generally cannot control non-probate assets.
    • One strategy to allow equalization is to name the estate as beneficiary of certain accounts, bringing them under the Will’s control.
    • The value of a lifetime gift is typically measured when the recipient receives it, not at death.
    • Appreciation and the time value of money can make “equal” distributions feel unequal later.
    • Clear documentation helps prevent family conflict and litigation.

    Resources & Links

    Sample provision equalization clause: https://drive.google.com/file/d/1sl10acDgZ9hxhwxJGHO17NYbB9DE633A/view?usp=drivesdk

    Episode 59: Why Selling the Lake House Can Rewrite Your Will: https://www.deathreadiness.com/podcast/59

    Connect with Jill:

    • Website: DeathReadiness.com
    • Email: jill@deathreadiness.com
    • Learn more about Jill’s services
    • Subscribe to the Death Readiness Dispatch!
    • Submit a question for Tuesday Triage

    Did you enjoy this episode? Share it with someone you care about.

    This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy.

    Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents.

    Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.

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    18 mins
  • Why Knowing Your Rights Isn't Enough
    Feb 6 2026
    After her daughter attends a student-organized ICE protest at school, Jill steps back to examine the legal framework behind immigration enforcement, protest, and constitutional rights. This episode walks through what ICE can and cannot legally do, how the Fourth, Fifth, Sixth, and Second Amendments apply in real-world encounters, and why preparation matters even when you understand your rights. The goal isn’t to tell listeners what to do; it’s to help them understand the law well enough to make informed decisions in uncertain moments.Key TakeawaysUnderstanding ICE and local cooperationImmigration and Customs Enforcement (ICE) is a federal agency within the Department of Homeland Security responsible for immigration enforcement.State and local governments cannot be forced to enforce federal immigration law.However, they can voluntarily cooperate through agreements under Section 287(g) of the Immigration and Nationality Act.The Supreme Court’s decision in Printz v. United States confirms the federal government cannot commandeer state officials to enforce federal programs.Sensitive locations and changing enforcement policyFor decades, federal guidance discouraged immigration enforcement in “sensitive locations,” including: schools, hospitals, places of worship, social-service locations, demonstrations and community gatheringsThat guidance was revoked in January 2025.Agency policies can change but constitutional protections remain constant.The Fourth Amendment protects everyone, citizens and non-citizens, from unreasonable searches and seizures.Key distinctions:Public spaces: ICE generally may enter without a warrant.Private spaces: ICE typically needs consent, or a judicial warrant signed by a judge.Important differences:Judicial warrant → issued by a judicial court; can authorize entry/search.Administrative warrant → issued by DHS; does not authorize entry into private space.Reasonable suspicion vs. probable causeReasonable suspicion allows officers to briefly stop and question someone.Probable cause allows officers to arrest someone or obtain a warrant.Warrantless arrests and the 2026 ICE memoFederal law allows warrantless arrests if a person is believed to be undocumented and “likely to escape.”A January 2026 ICE memorandum broadened the interpretation of “likely to escape.”This change may lead to more frequent warrantless arrests.The Fourth Amendment also regulates how arrests are carried out, including use of force.Courts evaluate the severity of the suspected crime, the immediate threat to officers or others, and whether the person is resisting or fleeing.Force is unconstitutional when it is objectively unreasonable under the circumstances.This episode also explores:The Second Amendment right to possess firearmsThe Fifth Amendment guarantee of due processThe Sixth Amendment right to a jury trial and legal counselThe role of grand juries and jury nullificationThese protections apply broadly, including to undocumented immigrants, because the Constitution protects persons, not just citizens.Constitutional safeguards shape what happens after legal encounters begin — but they do not eliminate risk. Preparation can reduce chaos in difficult situations.Practical steps include organizing identification and legal documents, sharing document access with a trusted person, memorizing an attorney’s phone number, and creating a care plan for children if detention or deportation occurs.Resources & LinksNational Immigration Law Center: Judicial Warrant v. Immigration Warrant.pdf - Google DriveImmigrant Safety Plan (Legal Counsel for Youth and Children):https://lcycwa.org/ispConnect with Jill:Website: DeathReadiness.comEmail: jill@deathreadiness.comLearn more about Jill’s solutionsSubscribe to the Death Readiness Dispatch!Submit a question for Tuesday TriageDid you enjoy this episode? Share it with someone you care about. This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy. Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents. Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to ...
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    32 mins
  • How Geography Can Wreck Your Estate Plan
    Feb 3 2026
    Where you live can cost, or save, your estate hundreds of thousands of dollars. In this Tuesday Triage episode, Jill Mastroianni breaks down a listener question about estate taxes, domicile, and owning property in multiple states. Using a real-world scenario involving Washington, D.C., Maine, Georgia, and Kentucky, Jill explains how state estate and inheritance taxes actually work, why domicile is more than just a mailing address, and where people get tripped up when geography and estate planning collide. This episode helps separate fear from facts so you can make informed decisions about where, and how, you live.What You’ll Learn in This EpisodeWhy “where you live” is a legal decision, not just a lifestyle choice. Domicile is about intent and objective facts, not where you’d prefer to be.What domicile really means for estate tax purposes. Courts look at factors like driver’s licenses, voting registration, and where you actually spend your time, not just property ownership.Why federal estate taxes aren’t the real issue for most people. With a 2026 exemption of $15 million per person, most estates won’t owe federal estate tax.How state estate taxes can create very different outcomes. The same $10 million estate can trigger dramatically different tax bills depending on whether you live in Washington, D.C., Maine, Georgia, or Kentucky.Why owning property in another state can still trigger taxes. States like Maine can impose estate tax on non-residents who own real estate there and may place liens until a return is filed.The difference between estate taxes and inheritance taxes. Estate taxes are paid by the estate. Inheritance taxes are paid by the beneficiary.Why beneficiary relationships affect tax outcomes. In states like Kentucky, close family members may be exempt, while friends or non-relatives could face significant inheritance tax bills.How multi-state property ownership can create multiple probates. Without planning, your estate could be probated in every state where you own real estate.One common strategy to avoid ancillary probate. How revocable trusts can help consolidate administration when property is spread across states.Resources & LinksChange of Domicile Checklist: https://www.deathreadiness.com/domicile-change-checklistEpisode 5: Why You Shouldn’t Worry About the Estate Tax:https://www.deathreadiness.com/podcast/why-you-shouldnt-worry-about-the-estate-taxEpisode 19: Why You Need (or Don’t Need) a Trust:https://www.deathreadiness.com/podcast/episode-19-how-to-know-if-you-need-a-trustGet organized with The Death Readiness Playbook:https://www.deathreadiness.com/playbookSubmit a question for a future Tuesday Triage episode:https://www.deathreadiness.com/tuesdaytriageConnect with Jill:Website: DeathReadiness.comEmail: jill@deathreadiness.comLearn more about Jill’s solutionsSubscribe to the Death Readiness Dispatch!Submit a question for Tuesday TriageDid you enjoy this episode? Share it with someone you care about. This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy. Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents. Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.
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    23 mins
  • How to Avoid Mistakes with Debt After Death
    Jan 27 2026
    When someone dies, their bills don’t generally become yours, but the wrong step can make them yours. In this episode, Jill Mastroianni breaks down what really happens to debt after death, when you can walk away, when you can’t, and why the order in which you pay bills matters more than the amount you owe.Using a real client story, listener Tracy’s question from Virginia, and clear legal examples, Jill explains how fear, grief, and misinformation lead people to pay debts they don’t legally owe, and how to protect yourself instead. What You’ll Learn in This Episode1. The general rule: You are not personally responsible for a loved one’s debts, even if you’re the surviving spouse. That doesn’t mean the estate isn’t responsible. It just means creditors usually can’t come after your money.2. The four exceptions that can make you personally liable. You may be responsible if: (i) You co-signed the debt, (ii) You are a joint account holder (not just an authorized user), (iii)You’re a surviving spouse in a “Doctrine of Necessaries” state, or (iv) You’re a surviving spouse and you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin)3. Student loans: what dies and what doesn’t. Federal student loans are discharged at death. Private student loans depend on the contract. Private student loan co-signers may be released on the death of the student borrower only if the loan was signed on or after November 20, 2018.4. Why even “non-probate” accounts can be pulled back. In Virginia, joint and P.O.D. accounts can still be used to pay estate debts if probate assets run out. This means “avoiding probate” does not always mean “protected from creditors.”5. Who gets paid first when there’s not enough money. Each state sets a strict priority order.Resources & LinksThe Death Readiness Playbook: www.deathreadiness.com/playbookCode of Virginia § 64.2-528. Order in which debts and demands of decedents to be paid.Code of Virginia § 6.2-611. Liability of surviving party for debts and other liabilities of decedent's estate.Code of Virginia § 64.2-309. Family allowance.Code of Virginia § 64.2-310. Exempt property.Code of Virginia § 64.2-311. Homestead allowance.Discharge Due to Death | Federal Student AidEconomic Growth, Regulatory Relief, and Consumer Protection Act. Public Law 115–174—MAY 24, 2018, 132 STAT. 1296Connect with Jill:Website: DeathReadiness.comEmail: jill@deathreadiness.comLearn more about Jill’s solutionsSubscribe to the Death Readiness Dispatch!Submit a question for Tuesday TriageDid you enjoy this episode? Share it with someone you care about. This podcast provides estate planning guidance for women and discusses real, practical issues, from caregiving, pre-planning a funeral, how to avoid probate using beneficiary designations, planning for individuals with special needs (and special needs trusts), whether you need a professional fiduciary (trustee or executor), how the estate tax works and how to preserve your legacy. Tuesday Triage episodes answer questions from listeners like you, from powers of attorney, healthcare advance directives (and whether they work when you’re pregnant), what a Last Will and Testament really is, whether you need a trust, how Medicaid works and how to have senior and elder care conversations and how to care for aging parents. Disclaimer: This podcast and all related content are for educational purposes only and do not constitute legal advice. No attorney-client relationship is established here. Use of this information without careful analysis and review by your attorney, CPA, and/or financial advisor may cause serious adverse consequences. For legal guidance tailored to your unique situation, consult with a licensed attorney in your state.
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    19 mins