WEBVTT - Trusts vs. Wills: The Ultimate Guide to Protecting Your Legacy

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<v Speaker 2>So you talked about a state plan with trust and will,

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<v Speaker 2>So can you explain that a lot a little bit

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<v Speaker 2>because sometimes people get confused what's the difference between the

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<v Speaker 2>trust and the will? And do you even need a

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<v Speaker 2>will or what's it trust? That's another thing that has

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<v Speaker 2>been very popularized on social media, talk about like can

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<v Speaker 2>you just kind of break down the will and trust situation?

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<v Speaker 3>Yeah, you do that, and now I'll talk about difference

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<v Speaker 3>between you revocable and irrevocable. Trust is a testandpoint Yeah

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<v Speaker 3>yeah cool.

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<v Speaker 4>So from a will standpoint at the end of the day,

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<v Speaker 4>you simply want to dictate who is going to get what,

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<v Speaker 4>who's entitled to whatever you.

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<v Speaker 5>Want to leave behind when you're not all here. Right.

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<v Speaker 4>The reason why people like the idea of a trust

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<v Speaker 4>is because you can have a little more control to

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<v Speaker 4>determine when and how those assets get disseminated once you're

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<v Speaker 4>gone right, Because obviously, if you have a will right

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<v Speaker 4>once you once you're gone right, it pretty much dies

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<v Speaker 4>with you. Right, But that could be good in certain situations.

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<v Speaker 4>I don't think everybody necessarily needs a trust, but if

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<v Speaker 4>you want to ensure that your heirs, maybe at eighteen,

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<v Speaker 4>my son has to do this thing before he gets,

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<v Speaker 4>you know, fifteen thousand dollars for a down payment on

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<v Speaker 4>the house, or whatever the case may be, the trust

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<v Speaker 4>can be established in a way to control how that

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<v Speaker 4>much needs disseminated, right, Especially if you have my children

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<v Speaker 4>that are miners and things of that nature, you want

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<v Speaker 4>to really make sure that they get what they're supposed

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<v Speaker 4>to get when they are supposed to get it right.

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<v Speaker 4>So that's the kind of the fundamental difference between trust

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<v Speaker 4>and wills. I think what happens is people like the

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<v Speaker 4>idea of a trust because of the control piece, but

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<v Speaker 4>at the same token, like you don't want to over

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<v Speaker 4>complicate your finances, right, because sometimes with a trust like

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<v Speaker 4>the upkeep right, you know, if you do too much

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<v Speaker 4>like it can be a little bit overwharman. Like I

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<v Speaker 4>know my mother in law before she met me, she

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<v Speaker 4>had a very complicated trust and just decided not to

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<v Speaker 4>do it anymore because it was just too much. Right,

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<v Speaker 4>So making sure that it makes sense relative to your situation,

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<v Speaker 4>what is it that you actually want to achieve, And

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<v Speaker 4>then I will determine if I just need a basic

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<v Speaker 4>will or do I need a trust to make sure

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<v Speaker 4>that I can pass all my assets in a way

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<v Speaker 4>that's a little bit more strategic relative to who I'm

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<v Speaker 4>passing them on to.

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<v Speaker 6>Yeah, And I think the difference between a revocable trust

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<v Speaker 6>and the irrevocable trust is huge, and I don't think

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<v Speaker 6>enough people know the difference. So a revocable living trust,

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<v Speaker 6>which I think everybody should have at some point in

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<v Speaker 6>their life, is like a safe that you have the

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<v Speaker 6>combination too. You can put assets in there, you can

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<v Speaker 6>take assets out. It's you can change. You can change

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<v Speaker 6>the assets in there, you can change the beneficiaries it

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<v Speaker 6>has a lot of flexibility, and the purpose of a

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<v Speaker 6>vocable living trust is so that when you pass away,

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<v Speaker 6>none of your assets go to probate court. Because we

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<v Speaker 6>saw with Chad with Boseman, he didn't have a true

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<v Speaker 6>he didn't have a revocable living trust, so he lost

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<v Speaker 6>almost a million dollars of his estate to probate court.

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<v Speaker 6>Because just because you say that your family should get

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<v Speaker 6>something in their wheel doesn't mean they're going to agree

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<v Speaker 6>on it. And the more time they spend arguing in

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<v Speaker 6>probate court, the more money that the lawyers make and

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<v Speaker 6>the more money of the court system makes.

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<v Speaker 3>With the revocable living.

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<v Speaker 6>Trust, it says like it's stamp saying that all my

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<v Speaker 6>assets go to these people.

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<v Speaker 3>This is how they get it, this is when they

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<v Speaker 3>get it.

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<v Speaker 6>So a vocable living trust is huge for voting avoiding

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<v Speaker 6>probate court. Another reason that you want to have a

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<v Speaker 6>revocable living trust is because it helps us with taxes.

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<v Speaker 3>So here's an example.

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<v Speaker 6>If I bought a property at two hundred thousand dollars

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<v Speaker 6>and that was worth a million dollars, and I put

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<v Speaker 6>it in my vocable living trust. When my kids get it,

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<v Speaker 6>they get something called a step up in basis. So

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<v Speaker 6>in my example, I have eight hundred thousand dollars in gains.

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<v Speaker 6>I pay two hundred thousand dollars for it. Now it's

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<v Speaker 6>worth a million, so it's eight hundred thousand dollars built

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<v Speaker 6>in gain that if I was to give it to

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<v Speaker 6>them when I was alive, they would have to pay

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<v Speaker 6>that eight hundred thousand.

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<v Speaker 3>Dollars in capital gains taxes.

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<v Speaker 6>When we put it in our vocable living trust and

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<v Speaker 6>I passed away and passed to my kids, they get

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<v Speaker 6>it what's called a step up in basis, So they

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<v Speaker 6>receive the property with a million dollar fare market value

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<v Speaker 6>and they can sell it the next day and pay

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<v Speaker 6>no capital gains taxes. So by putting the property in

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<v Speaker 6>a revocable living trust, you help your kids avoid unnecessary

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<v Speaker 6>taxes on assets that you're trying to pass down, and

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<v Speaker 6>that's how we build true generational wealth.

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<v Speaker 3>We don't want to just pass down assets. We want

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<v Speaker 3>to pass down.

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<v Speaker 6>Tax free assets, which is very important and irrevocable trust

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<v Speaker 6>is in my opinion, it's only used for estate planning purposes,

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<v Speaker 6>and unless your estate is over thirteen million dollars, you

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<v Speaker 6>probably don't need irrevocable living trust because you don't pay.

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<v Speaker 3>It state taxes until your state reach is that high.

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<v Speaker 6>So you don't want to put things in an irrevocable

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<v Speaker 6>trust before that is because you can't benefit from it

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<v Speaker 6>in your lifetime. If you put a property in an

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<v Speaker 6>irrevocable trust's worth a million dollars and it generates one

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<v Speaker 6>hundred thousand dollars a year in cash flow, you can't

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<v Speaker 6>take that because it's irrevocable. You can't benefit from it.

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<v Speaker 6>So it's just understanding what people need personally. I think

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<v Speaker 6>most people need a revocable living trust until they resett

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<v Speaker 6>thirteen million dollar mark.

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<v Speaker 1>Yeah.

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<v Speaker 7>I was reading an article maybe last week about Rupert Murdoch. Yeah,

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<v Speaker 7>and he's in there in Courtnell because he has an

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<v Speaker 7>irrevocable trust and he I think he is based on

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<v Speaker 7>succession that he doesn't want to pass it down to

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<v Speaker 7>this air.

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<v Speaker 3>Yeah. So like cannot change.

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<v Speaker 6>Cannot change, can change lock, it's a safe throw away

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<v Speaker 6>the key put in a bottom.

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<v Speaker 2>Of the What about an eyelid right where it's a

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<v Speaker 2>life insurance policy inside the trust?

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<v Speaker 5>Is that a good idea?

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<v Speaker 3>It can be?

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<v Speaker 6>I don't I haven't studied eyelists that much, but I

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<v Speaker 6>have heard about him. None of our clients have have

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<v Speaker 6>needed it thus far. But I think it can be

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<v Speaker 6>a powerful policy. See, but it has to be structured

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<v Speaker 6>the right way, and it's going to cost a little

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<v Speaker 6>bit of money to get that set up.

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<v Speaker 5>Yeah, yeah, yeah.

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<v Speaker 7>We were talking about this the other day on Market

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<v Speaker 7>Monday's actually about buying life insurance policies on family members.

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<v Speaker 7>Want thoughts around that and in terms of planning, I

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<v Speaker 7>guess for the future and also wealth creation because we've

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<v Speaker 7>seen this happen in other communities, not so much in ours.

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<v Speaker 5>What's your thoughts, Yeah, I mean.

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<v Speaker 4>I think at the end of the day, if we

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<v Speaker 4>remove a motion from it, right, at the end of

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<v Speaker 4>the day, we know that our loved ones are going

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<v Speaker 4>to pass away, right.

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<v Speaker 5>And if you have if your desires to.

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<v Speaker 4>Create generational wealth right for your family, it's like, hey,

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<v Speaker 4>let's just have a conversation about like what does that

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<v Speaker 4>look like?

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<v Speaker 5>Right?

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<v Speaker 4>So for example, if you have a parent that's aging, right,

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<v Speaker 4>you have life insurance on them. Maybe they didn't have opportunity,

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<v Speaker 4>they didn't have a market mondays they didn't have or

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<v Speaker 4>your leaders didn't have melon and money they didn't have

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<v Speaker 4>opportunity to accumulate a lot of wealth, right. One of

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<v Speaker 4>the great things about life insurance is that it can

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<v Speaker 4>close that gap for putting these on a dollar obviously

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<v Speaker 4>assuming you know you have our in decent health.

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<v Speaker 5>So I think it can be a great strategy.

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<v Speaker 4>Some people even go as far as you know, having

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<v Speaker 4>the family trust right and then the trust being the

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<v Speaker 4>beneficiary of the life insurance and then when you pass away,

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<v Speaker 4>the money goes into the trust and then now that

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<v Speaker 4>can kind of keep the trend going. But I think

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<v Speaker 4>it's I think person is a great stretch. I think

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<v Speaker 4>we're just so emotional about it and we feel like, oh,

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<v Speaker 4>that's blood money waiting for me to die, right, your life,

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<v Speaker 4>But we removed the emotion from it, and we're like, yo,

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<v Speaker 4>like this is what we want our family to look

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<v Speaker 4>like for generations to come. What is the most efficient

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<v Speaker 4>way for us to do that. I think life insurance

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<v Speaker 4>can be a great vehicle to facilitate that.

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<v Speaker 2>You spoke about something earlier that we haven't spoken about

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<v Speaker 2>a lot on disability insurance.

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<v Speaker 3>Yeah, why just talk about that?

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<v Speaker 5>Like why is that important?

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<v Speaker 2>And like what's some details that people should know about

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<v Speaker 2>disability insurance.

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<v Speaker 5>Yeah, so I can speak of personal experience.

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<v Speaker 4>So when I was twenty eight, I got married and

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<v Speaker 4>I was having this crazy random backpain.

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<v Speaker 5>I thought I was like maybe deadlifted too much weight

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<v Speaker 5>or something.

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<v Speaker 4>And then come to find out I had a benign

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<v Speaker 4>tumor and ninth vertebrae right that fractured my spine.

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<v Speaker 5>I had to relearn how to walk. It was a

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<v Speaker 5>whole whole.

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<v Speaker 4>Situation, right, wife had to like lock into the valves

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<v Speaker 4>very early sixty days. You know what I'm saying, and

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<v Speaker 4>people don't realize is that you are three times more

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<v Speaker 4>likely to become temporarily disabled than you are adoptrey maturely.

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<v Speaker 5>Right.

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<v Speaker 4>And so what disability insurance does. It's an insurance coverage

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<v Speaker 4>on your income. Like we have insurance on everything. We

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<v Speaker 4>have insurance on our cell phones, we do have hope

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<v Speaker 4>some of us have insurance on our lives. But what's

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<v Speaker 4>the insurance if you get hurt or sick and can't work,

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<v Speaker 4>what's the insurance on that?

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<v Speaker 5>Right? And so disability insurance bridges that gap.

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<v Speaker 4>Sometimes, if you're employed, you might have insurance and it

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<v Speaker 4>might cover fifty to sixty percent, right, but that's also

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<v Speaker 4>going to be a taxable benefit.

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<v Speaker 5>So always ask.

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<v Speaker 4>People, are you if I cut your check and half

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<v Speaker 4>right now? Because you live off fifty or sixty percent

0:09:45.640 --> 0:09:47.760
<v Speaker 4>of the income, They probably like, no, I can't, right.

0:09:47.880 --> 0:09:51.120
<v Speaker 4>And so having disability insurance and or supplemental disability insurance

0:09:51.400 --> 0:09:53.280
<v Speaker 4>can kind of close that gap so that if you

0:09:53.320 --> 0:09:55.920
<v Speaker 4>get hurt or you get sick, you have the ability

0:09:56.000 --> 0:09:58.199
<v Speaker 4>to still meet your knees. Because you can't call American Express,

0:09:58.280 --> 0:10:00.320
<v Speaker 4>you can't call a mortgage company saying hey, I can't

0:10:00.360 --> 0:10:00.839
<v Speaker 4>work right now?

0:10:00.880 --> 0:10:02.800
<v Speaker 5>Can I defer these bills? They're going to say, and

0:10:02.920 --> 0:10:03.840
<v Speaker 5>know what we can do for you?

0:10:03.920 --> 0:10:07.200
<v Speaker 4>Right, So disability insurance bridges that gap to ensure that

0:10:07.200 --> 0:10:09.200
<v Speaker 4>if anything happens to you, you're okay.

0:10:10.160 --> 0:10:10.480
<v Speaker 5>Now.

0:10:11.000 --> 0:10:13.120
<v Speaker 4>Some of the features and benefits of disability insurance that

0:10:13.160 --> 0:10:15.360
<v Speaker 4>you want to think about are like, there are certain

0:10:15.920 --> 0:10:19.600
<v Speaker 4>policy benefits that they call writers, right, And basically the

0:10:19.600 --> 0:10:21.480
<v Speaker 4>way they work is like, for example, let's say that

0:10:21.559 --> 0:10:25.160
<v Speaker 4>you are a surgeon, right, and you make your money

0:10:25.160 --> 0:10:27.880
<v Speaker 4>with your hands, right, So what you probably want to

0:10:27.920 --> 0:10:29.800
<v Speaker 4>do is you want to get special provisions in the

0:10:29.840 --> 0:10:32.000
<v Speaker 4>disability policy to ensure that hey, look.

0:10:31.920 --> 0:10:34.280
<v Speaker 5>I can still go be a professor, right, And teach

0:10:34.320 --> 0:10:34.719
<v Speaker 5>what I do.

0:10:34.760 --> 0:10:37.240
<v Speaker 4>But because I can't use my hands, right, I need

0:10:37.280 --> 0:10:39.120
<v Speaker 4>to be able to still receive income because that was

0:10:39.120 --> 0:10:41.760
<v Speaker 4>my primary source of income. Because with disability insurance it

0:10:41.760 --> 0:10:44.240
<v Speaker 4>does create a little bit of a moral hazard. The

0:10:44.240 --> 0:10:46.079
<v Speaker 4>reason why they don't like, let you get ninety percent,

0:10:46.160 --> 0:10:47.720
<v Speaker 4>like we'll shoot you know, people don't game the system,

0:10:47.760 --> 0:10:50.120
<v Speaker 4>and like I'm not going to work an injury, right,

0:10:50.200 --> 0:10:53.240
<v Speaker 4>So you just got to be mindful of the writers

0:10:53.240 --> 0:10:55.800
<v Speaker 4>and the clauses that allow you to take advantage of it,

0:10:56.040 --> 0:10:58.200
<v Speaker 4>like if you have like a special skill set to

0:10:58.200 --> 0:11:00.720
<v Speaker 4>be able to still benefit from benefit from but potentially

0:11:00.760 --> 0:11:02.480
<v Speaker 4>still are an income in other ways, like you know,

0:11:02.520 --> 0:11:08.320
<v Speaker 4>being a teacher or a professor, even own occupation, Yes, yes, you.

0:11:08.400 --> 0:11:08.960
<v Speaker 3>Still got it.

0:11:09.000 --> 0:11:15.760
<v Speaker 6>Brother, got it underwrite y'all, I need that.

0:11:16.400 --> 0:11:17.199
<v Speaker 3>I don't know about that.

0:11:17.840 --> 0:11:21.360
<v Speaker 7>But as business partners, right, what about having insurance on

0:11:21.360 --> 0:11:21.719
<v Speaker 7>each other?

0:11:22.000 --> 0:11:24.440
<v Speaker 3>Right or buy sell agreements? People don't talk about that.

0:11:24.800 --> 0:11:28.480
<v Speaker 7>Yeah, but if something happens to Carter yep, you know,

0:11:28.679 --> 0:11:31.480
<v Speaker 7>what what happens to the business, what happens to the income.

0:11:31.800 --> 0:11:33.680
<v Speaker 5>These things need to be discussed one hundred percent.

0:11:34.000 --> 0:11:34.640
<v Speaker 3>Let's talk about it.

0:11:34.640 --> 0:11:38.560
<v Speaker 6>We're talking with our h our lawyers about that in

0:11:38.559 --> 0:11:40.280
<v Speaker 6>the making right now, because and like one thing I

0:11:40.280 --> 0:11:41.520
<v Speaker 6>love about our relationship, we have.

0:11:41.440 --> 0:11:42.800
<v Speaker 3>The tough conversations on the front end.

0:11:42.920 --> 0:11:45.520
<v Speaker 6>Yeah, like bro, like if you do something crazy or

0:11:45.600 --> 0:11:48.000
<v Speaker 6>you're not you're not around like every like you know,

0:11:48.040 --> 0:11:49.680
<v Speaker 6>love is cool, but everything needs to be in writing.

0:11:50.080 --> 0:11:53.400
<v Speaker 6>So we are working with our lawyers on our by

0:11:53.400 --> 0:11:55.559
<v Speaker 6>selling agreements and things like that because it's so important

0:11:56.240 --> 0:11:59.080
<v Speaker 6>because we want this business to be generational and we

0:11:59.080 --> 0:12:01.040
<v Speaker 6>don't want to lose it just one generation with us.

0:12:01.080 --> 0:12:04.559
<v Speaker 6>So we are putting those things in place literally as

0:12:04.559 --> 0:12:06.320
<v Speaker 6>we speak, to make sure we protect our business and

0:12:06.320 --> 0:12:07.160
<v Speaker 6>protect ourselves.

0:12:07.240 --> 0:12:09.079
<v Speaker 4>Yeah, and from about just for those for the benefit

0:12:09.080 --> 0:12:11.120
<v Speaker 4>of the listeners. Like when it comes to about sell agreement,

0:12:11.160 --> 0:12:12.560
<v Speaker 4>the reason why you want to have that is because,

0:12:12.840 --> 0:12:14.600
<v Speaker 4>let's say something does happen to me, right, like if

0:12:14.600 --> 0:12:17.400
<v Speaker 4>I own fifty percent of the business, right and technically

0:12:17.440 --> 0:12:19.160
<v Speaker 4>that you know my wife in here is that my

0:12:19.200 --> 0:12:20.160
<v Speaker 4>wife is great, I don't.

0:12:20.160 --> 0:12:20.760
<v Speaker 5>I don't think.

0:12:22.320 --> 0:12:24.479
<v Speaker 4>Like yo, all right, so I'm gonna start managing these portfolio.

0:12:24.600 --> 0:12:28.440
<v Speaker 3>Yeah, yeah, the same thing. She might not be the

0:12:28.440 --> 0:12:28.840
<v Speaker 3>best person.

0:12:29.800 --> 0:12:31.319
<v Speaker 5>It might not be the best person to do that, right.

0:12:31.400 --> 0:12:33.000
<v Speaker 4>So and one thing you can also do is you

0:12:33.000 --> 0:12:35.280
<v Speaker 4>can get by sell agreements funded with life insurance. Right,

0:12:35.320 --> 0:12:37.360
<v Speaker 4>so that way it's like, all right, well, something happens

0:12:37.400 --> 0:12:39.240
<v Speaker 4>to you, right my wife, I mean I would trust

0:12:39.280 --> 0:12:40.679
<v Speaker 4>and believe that's happened to my wife will be good

0:12:40.679 --> 0:12:41.199
<v Speaker 4>at Yeah.

0:12:41.040 --> 0:12:43.000
<v Speaker 3>Yeah, you'd be good. But I got you man, I gotcha.

0:12:43.120 --> 0:12:43.280
<v Speaker 1>Man.

0:12:44.080 --> 0:12:47.360
<v Speaker 3>He's been documented right on it's own record.

0:12:48.000 --> 0:12:49.679
<v Speaker 4>But being able to say, okay, cool, the buy sell

0:12:49.720 --> 0:12:51.640
<v Speaker 4>agreement is funded by life insurance. Something happens to you

0:12:52.160 --> 0:12:54.600
<v Speaker 4>that I buy you out and then your wife gets

0:12:54.640 --> 0:12:55.320
<v Speaker 4>those proceeds.

0:12:55.360 --> 0:12:55.520
<v Speaker 3>Right.

0:12:55.559 --> 0:12:58.240
<v Speaker 4>So but it's important, right, like from day one when

0:12:58.240 --> 0:13:00.920
<v Speaker 4>we formally locked in, like we made sure that everything

0:13:01.000 --> 0:13:03.760
<v Speaker 4>was solidified, all the documentation was squared away because I

0:13:03.760 --> 0:13:06.720
<v Speaker 4>had started the brand first. He was and I was like,

0:13:06.840 --> 0:13:08.520
<v Speaker 4>I said, I think it's time for us to you know,

0:13:08.559 --> 0:13:09.760
<v Speaker 4>go further with this. He's like, Bell, let's do it.

0:13:09.800 --> 0:13:11.720
<v Speaker 5>I was like, okay, cool, and then yeah, it's sit

0:13:11.800 --> 0:13:12.360
<v Speaker 5>up some paperwork.

0:13:12.880 --> 0:13:13.360
<v Speaker 3>But we did it.

0:13:13.360 --> 0:13:14.400
<v Speaker 4>But we did it on the front end so we

0:13:14.440 --> 0:13:17.240
<v Speaker 4>could just documentation beats conversation. Those things have to be

0:13:17.280 --> 0:13:19.440
<v Speaker 4>in place if you want to make sure that your

0:13:19.480 --> 0:13:21.480
<v Speaker 4>business is little ye, And I think business structure is

0:13:21.520 --> 0:13:24.000
<v Speaker 4>really important as well. I don't think enough people talk

0:13:24.040 --> 0:13:25.040
<v Speaker 4>about because.

0:13:26.640 --> 0:13:28.600
<v Speaker 6>The way our business is structured, we could have just

0:13:28.600 --> 0:13:31.320
<v Speaker 6>been a traditional partnership, which is which is fine, but

0:13:31.360 --> 0:13:34.520
<v Speaker 6>there are some tax limitations by having a traditional partnership,

0:13:34.520 --> 0:13:38.480
<v Speaker 6>because if he wants to go to a conference and

0:13:38.600 --> 0:13:40.880
<v Speaker 6>deduct and the and deduct the expense in our taxes,

0:13:41.080 --> 0:13:42.840
<v Speaker 6>I'm like, well, I don't want to go to that conference.

0:13:43.120 --> 0:13:44.839
<v Speaker 6>I don't want to I don't want the business to have.

0:13:44.760 --> 0:13:45.839
<v Speaker 3>To pay for that right.

0:13:45.920 --> 0:13:47.520
<v Speaker 6>And so if you and your if you have a

0:13:47.559 --> 0:13:50.440
<v Speaker 6>traditional partnership and you and your partner are not agreeing

0:13:50.559 --> 0:13:53.760
<v Speaker 6>on a specific deduction, then you can't take it right.

0:13:54.120 --> 0:13:55.840
<v Speaker 6>So the way we set it up is that we

0:13:55.920 --> 0:13:58.480
<v Speaker 6>have our LLC, which is our melon of money, and

0:13:58.559 --> 0:14:01.240
<v Speaker 6>then we have our s corpse fifty percent owner of

0:14:01.240 --> 0:14:04.000
<v Speaker 6>that company. So now I can take all the deductions

0:14:04.000 --> 0:14:06.240
<v Speaker 6>I want to take in my escort. He can take

0:14:06.280 --> 0:14:08.480
<v Speaker 6>all the deductions that he wants his escort, and we

0:14:08.520 --> 0:14:12.280
<v Speaker 6>can only we only take group biss deductions in our

0:14:12.559 --> 0:14:15.679
<v Speaker 6>LLC for melon and money. And I see a lot

0:14:15.720 --> 0:14:19.800
<v Speaker 6>of new partnership business owners lose out on tens of

0:14:19.840 --> 0:14:23.560
<v Speaker 6>thousands of dollars in deductions because their financial structure is

0:14:23.600 --> 0:14:26.360
<v Speaker 6>not the way it should be to maximize their tax savings.

0:14:26.400 --> 0:14:30.040
<v Speaker 8>An illegal alien from Guatemala charged with raping a child

0:14:30.080 --> 0:14:33.880
<v Speaker 8>in Massachusetts. An MS thirteen gang member from Al Salvador

0:14:34.120 --> 0:14:38.240
<v Speaker 8>accused of murdering a Texas. Man of Venezuelan charged with

0:14:38.320 --> 0:14:42.200
<v Speaker 8>filming and selling child pornography in Michigan. These are just

0:14:42.320 --> 0:14:46.080
<v Speaker 8>some of the heinous migrant criminals caught because of President

0:14:46.080 --> 0:14:49.640
<v Speaker 8>Donald J. Trump's leadership. I'm Christine Noman, the United States

0:14:49.680 --> 0:14:54.440
<v Speaker 8>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:14:54.520 --> 0:14:58.080
<v Speaker 8>crossings are at the lowest levels ever recorded, and over

0:14:58.120 --> 0:15:01.600
<v Speaker 8>one hundred thousand illegal aliens been arrested. If you are

0:15:01.640 --> 0:15:05.560
<v Speaker 8>here illegally, your next you will be fine nearly one

0:15:05.600 --> 0:15:10.160
<v Speaker 8>thousand dollars a day, imprisoned and deported, you will never return.

0:15:10.480 --> 0:15:13.520
<v Speaker 8>But if you register using our CBP home app and

0:15:13.600 --> 0:15:16.920
<v Speaker 8>leave now, you could be allowed to return legally. Do

0:15:17.080 --> 0:15:22.160
<v Speaker 8>what's right. Leave now. Under President Trump, America's laws, border

0:15:22.360 --> 0:15:24.160
<v Speaker 8>and families will be protected.

0:15:24.280 --> 0:15:26.440
<v Speaker 3>Sponsored by the United States Department of Homeland Security,