Are you prepared for the financial future you envision? In this episode of Buried in Work, host Jared Rizzi delves into essential estate planning strategies with Steven Wagner, a Certified Financial Planner (CFP) and Certified Exit Planning Advisor (SEPA) with over 30 years of expertise. Estate planning is a crucial step toward financial stability and peace of mind, yet it can often feel overwhelming. Whether you’re approaching retirement or just beginning to plan for the future, having a solid strategy can secure wealth transfer, address challenges like inflation and longevity, and ensure a smooth transition of assets.

Steven shares his insights on the financial tools that matter most—such as wills, living trusts, and life insurance—and the importance of creating a legacy that aligns with your values. Join us as we explore practical estate planning tips to make your financial future more secure and manageable.

Key Takeaways:

• Understand Wealth Transfer Tools: Learn how wills, living trusts, and life insurance play a crucial role in transferring wealth and protecting your family’s legacy.

• Plan for Longevity and Inflation: Discover strategies to address the growing challenge of outliving your retirement savings and adapting to changing interest rates.

• Estate Planning for Small Business Owners: Learn how to prepare for business continuity and ensure a smooth succession plan to protect your business and loved ones.

• Find the Right Financial Advisor: Steven shares what to look for in a financial advisor, focusing on a holistic approach to estate and financial planning.

Show Links:

• Connect with Steven Wagner: Visit his website to learn more on making wise financial decisions at https://iwaplan.com/

If you found this episode helpful, please consider subscribing to Buried in Work, leaving a review, or sharing it with a friend. For more estate planning resources, visit buriedinwork.com. Your support helps us continue bringing expert insights to help you simplify estate planning and secure your financial future.

What if your dream retirement plan could be derailed by a single overlooked detail? In this episode of Buried in Work, host Adam Zuckerman interviews financial planning expert Gregory Kurinec, founder of Pennant Planning, who shares crucial steps to achieve a secure and fulfilling retirement. Gregory, a Certified Financial Planner (CFP) with years of experience in retirement and estate planning, guides listeners through everything from setting impactful retirement goals and managing assets to tax-saving strategies, Medicare choices, and preparing an estate that aligns with your values. This episode is a must-listen for anyone wanting to simplify complex financial topics and protect their legacy. Gregory also discusses his nonprofit, Gene's Journey for Hope, which supports families affected by cancer, adding a heartfelt perspective on community support.

𝐊𝐞𝐲 𝐓𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬:

• Starting with Goals: Why clearly defining your retirement goals lays the groundwork for effective financial planning.

• Organizing Assets and Legacy: How taking inventory of your assets and planning your estate can give you and your family peace of mind.

• Retirement Tax Strategies: Insights on Roth conversions, charitable distributions, and tax-efficient tactics to maximize retirement income.

• Medicare Planning: Understand the key differences between Medicare Advantage and original Medicare to ensure you’re covered as you age.

• Reliable Income Streams: Ways to create dependable retirement income using Social Security, annuities, and flexible withdrawal strategies.

𝐀𝐛𝐨𝐮𝐭 𝐆𝐞𝐧𝐞'𝐬 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 𝐟𝐨𝐫 𝐇𝐨𝐩𝐞:

Gregory’s nonprofit, Gene's Journey for Hope, honors his mother’s memory by providing flexible financial support to local families affected by cancer, allowing them to focus on what matters most during tough times. For more information or to donate, visit genesjourneyforhope.org.

Show Links:

• Pennant Planning: To learn more about Gregory's services or to explore retirement planning strategies, visit pennantplanning.com.

• Visit Buried in Work for more episodes and resources at https://buriedinwork.com/

Don’t miss out on future episodes! Subscribe to the Buried in Work podcast to get expert tips and insights from professionals in the estate planning industry.

Are you unknowingly making financial missteps in divorce that could cost you for years to come? In this episode of Buried in Work, host Adam Zuckerman welcomes Jamie Lima, founder of Woodson Wealth Management and Allegiant Divorce Solutions. Jamie shares his journey through a financially and emotionally complex divorce that inspired him to help others avoid common financial pitfalls during divorce. As a Certified Divorce Financial Analyst (CDFA), Jamie explains the critical role of financial analysis in divorce settlements, emphasizing the importance of sound asset division, understanding tax implications, and the value of early financial planning. Jamie provides practical advice on protecting assets, planning for future financial needs, and making empowered decisions in divorce proceedings.

As you listen, you will gain valuable insights into the role of a CDFA, the common financial mistakes in divorces, the impact of financial abuse, and key steps to establish a stable post-divorce financial foundation. This episode offers essential advice for anyone facing divorce or looking to understand its long-term financial implications.

Key Takeaways:

• CDFA vs. CFP: Jamie explains the distinct roles of Certified Divorce Financial Analysts and Certified Financial Planners in managing life-long financial stability and addressing immediate divorce-related needs.

• Financial Abuse Awareness: Jamie discusses common signs of financial control in relationships and how divorce can reveal financial inequities.

• Asset Division and Tax Strategy: Avoiding costly mistakes in asset division, such as overlooking the after-tax value of 401(k)s vs. home equity, is essential for a fair settlement.

• Prenuptial and Postnuptial Agreements: Jamie emphasizes the importance of prenuptial agreements as “marriage insurance” to secure assets and prevent lengthy legal disputes.

• Post-Divorce Estate Planning: Updating beneficiaries, creating a new will, and preparing essential estate documents are vital steps to ensure financial legacy protection.Having a buy-sell agreement is essential for business owners to ensure a smooth transition and avoid potential conflicts.

• Planning for the future and having a succession plan in place provides peace of mind for business owners and their key players.

Show Links:

• Connect with Jamie Lima: Visit Allegiant Divorce Solutions to explore how Jamie’s team can support you during divorce proceedings at https://allegiantds.com/ or head over to Woodson Wealth Management for broader wealth management and financial planning services at https://woodsonwm.com/

• Visit Buried in Work for more episodes and resources at https://buriedinwork.com/

Don’t miss out on future episodes! Subscribe to the Buried in Work podcast to get expert tips and insights from professionals in the estate planning industry.