show episodes
 
Educating at every step. Absolute Trust Talk is not your run of the mill general counsel show filled with legal jargon that doesn’t resonate. Through her 20+ years of practice, Absolute Trust Counsel managing attorney Kirsten Howe found herself working with clients who were confused and overwhelmed by the complexity of estate planning and saw a need to help clients with education and specific client-centered estate planning services. Now Kirsten is taking her expertise and experience to a ne ...
 
The Your Wealth and Beyond podcast was created to empower entrepreneurs and individuals with the insight and information they need to effectively manage and control their personal and professional finances. This is NOT just another podcast about money! We will focus on helping you grow your business, build your personal wealth and find purpose in what matters most. Join Andrew Rafal, the Founder of Bayntree Wealth Advisors, as he interviews leading industry experts and entrepreneurs who not ...
 
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show series
 
We all talk about estate planning, and most of us think of it as something we’ll get to next year. Why? It’s simple: estate planning forces us to admit we’re not invincible. For so many of us, it takes a major milestone or a tragic event to get our ducks in a row, and that’s not a good way to plan, no matter how old you are or what stage of life yo…
 
Unfortunately, many today see money as a solution to problems, but that is not always the case. In fact, wealth can be quite damaging to a family dynamic. Planning, in this instance, is vital. When family members have prepared and have learned how to work together, that’s when wealth and inheritance can be used as a tool to benefit a family for gen…
 
There are many great options these days when it comes to senior living communities and long-term care, but that's just it. There are hundreds of options. Finding the best solution for yourself or a loved one is a project and can be a daunting task for families. How do you truly know what the best choice is for elderly parents? In a new episode of A…
 
Whether you’re a startup, a mature company, or a mom-and-pop, without the right marketing and messaging, you are destined to fail. Amanda Rabideau has spent her entire career helping businesses of all sizes avoid this fate. She’s the founder of Arch Collective, where she helps companies create marketing plans and strategies to reach their ideal cli…
 
As family members age, we often find other members becoming involved in caregiving and decision-making. Unfortunately, this can sometimes lead to conflict as communication and relationships deteriorate in disagreement over an issue that impacts the older adult or the family as a whole. In these cases, it can be helpful to have a qualified third par…
 
For so many people, just hearing the word “timeshare” brings chills, angst, and anger to the surface. There are 10 million timeshare owners out there, and as many as 80 percent of them aren’t just unhappy with what they purchased - they don’t know how to get out of it. If you’re one of the many unsatisfied timeshare owners looking for an exit (or k…
 
If you have minor children, nominating a guardian for them in case of your death or incapacity is one of the most important reasons to do an estate plan. For many families, the choice is not easy, and they end up procrastinating. Think of it this way, do you want a judge, who may know nothing about your children or your family, deciding who your ch…
 
Whether you’re an individual working for a company or a business owner, you need to understand your 401(k). Along with Social Security, your savings, and a few other key assets, your 401(k) is probably going to be the single most important account you have. Today’s guest, Brian Hartstein, is the Director of Corporate Development here at Bayntree. F…
 
Because the federal estate tax exemption is so high, currently set to $11,700,000, many people believe their families won’t have to worry about filing a federal estate tax return (IRS Form 706) on their deaths. And while this may be true to a certain extent, there are also benefits that come with filing an estate tax return that could save your fam…
 
Unfortunately, there comes the point in life when the family home becomes a burden, whether that is emotionally, physically, or financially. And, usually, downsizing might seem like the way to go, but it doesn’t come without complications. There is so much more to moving and downsizing in the aging journey. It’s not just about buying and selling a …
 
Proposition 19 is a ballot measure passed in the November 2020 election in the state of California that significantly changes the property taxes on real estate inherited by children from their parents. And not in a good way. Under this proposition, a parent can only transfer the primary residence (either by gift, by inheritance or by sale) without …
 
In the past, reverse mortgages have had a negative connotation associated with them due to high fees and a lack of understanding of what they were and why they are being purchased. Nowadays, we see a rise in popularity among older adults and seniors who have equity in their homes and want to help supplement their income. In a new episode of Absolut…
 
When it comes to planning for a young family, whether it is financial or estate planning, it’s never too early to get started. Typically, young families share the same concerns and characteristics. It can be hard to navigate all the tools, information, and strategies that are out there. Many may put planning off or choose a route, not knowing if it…
 
Whether you’re an executive speaking in front of your colleagues, an entrepreneur leading a sales presentation, or even just talking with your friends, at some point or another, you’re going to have to speak in public. If you’re like a lot of people, it might terrify you – and the COVID-19 pandemic requiring almost all of our meetings to be virtual…
 
Do you want to give more, but feel like you need hundreds of millions of dollars to be a great philanthropist? Are you wondering how to be a more effective giver in your community and the world at large? Are you wondering how to teach the younger generation the value of giving? If so, today’s episode of the podcast is for you. On this Giving Tuesda…
 
When it comes to life insurance, most of us think of it as a death benefit when someone dies too soon. However, when used strategically, it can do so much more. In estate and retirement planning, it can be used as a complementary financial tool to help you meet specific goals or help secure financial protection. In a new episode of Absolute Trust T…
 
No matter who you are or where you grew up, there’s a pretty good chance that you didn’t learn enough about financial literacy in schools. Whether you own a business or you’re a young professional considering starting one, knowing how to avoid the mistakes that will haunt you for years to come is incredibly important in the early stages of running …
 
Taking over control of finances and your financial future can be overwhelming, especially for women who may be experiencing divorce, a spouse's death, or another major life event. However, it can be done smoothly and with peace of mind. In a new episode of Absolute Trust Talk LIVE, Kirsten welcomes guest Mary Ballin. Mary is a Certified Financial P…
 
More than ever before, local businesses and small business owners need your support. If you’re a business owner, I’m sure you know this by now; if you’re a consumer, you’re probably wondering what you can do to help your community and stop big chains from taking over even more of the landscape. For the last 15 years, Thomas Barr has been helping co…
 
Fraudulent schemes aren’t uncommon, especially among our senior populations. Since COVID began, we’ve seen a few interesting twists pop up. Scammers have become even more creative at seizing opportunities as they arise. That’s why it is vital to take the necessary steps to protect yourself, your loved ones, and your assets. In a new episode of Abso…
 
Most people are better at planning a vacation than they are planning for retirement. People think of it as something far off that they ignore for years or decades. They make major mistakes, choose products that don’t suit their needs or meet their goals, or fail to take advantage of the opportunities provided to them. Sarah Holden understands well …
 
It's easy to say, "when disaster strikes, be prepared," but how easy is it to move hundreds or thousands of long-term care residents when a fire or flood is bearing down on a facility? How do you know a family member will be safe and taken care of? The good news is that facilities are required to have an emergency plan in place, but we also need to…
 
The Retirement Red Zone is a critical point for those getting closer to retirement. Similar to the distance from the 20-yard line to the end zone in football, this is a place where it’s so important not to make mistakes. This phase is crucial to ensure that your retirement will be stable and you’ll have a chance to truly enjoy your “golden years,” …
 
Estate planning is an interesting topic, usually because most people immediately think we're talking about planning for their death. But what happens if you are unable to make decisions for yourself? Incapacity planning is one of the most critical planning strategies you can implement because things can be challenging for your family without it. In…
 
We’ve all been there: you’re at a business conference or a dinner. You get introduced to a handful of people, you introduce yourself, you hear their names, and within two minutes, you completely forget all of them. One person who hasn’t had this problem for years is Chester Santos. Chester won the US Memory Championship over a decade ago and has sp…
 
The elder care journey is called a journey for a reason. It’s not linear, and many times people won’t know what will happen to them as they age. And while it is hard to predict, it’s not impossible to plan for, but it is essential to recognize that the type of care needed and how that care is paid for is a large part of the journey to help an older…
 
To say that we’re living in interesting and unpredictable times is an understatement. For business owners and leaders, this is especially true. However, no matter what industry you’re in, or what you do, there’s still no tool more powerful than a team that’s ahead of you and allows you to focus on your unique ability. They give us the power to grow…
 
For any business owner who’s taken a PPP Loan, you know exactly how challenging the application process was. Now that you may be looking to get that loan forgiven, unfortunately, the forgiveness application isn’t any less challenging or confusing. On top of that, if you don’t apply correctly, you will have to pay all the money back. In a new episod…
 
With schools, camps, and colleges either closed or reassessing the safety of operating as we navigate the COVID-19 pandemic, many of us have been spending more time with our kids than ever before. My 14-year-old daughter, Winter, has been helping me out at Bayntree, and has taught me a lot about TikTok, YouTube and how Gen Zers think about money al…
 
Reasons to move out of California, or if you’re thinking more local, out of the Bay Area, may range from a lower cost of living, lower taxes, less crowding, retirement, following family, or simply a change of pace. But it’s no secret that the extensive list of things that need to be done for moving can be overwhelming. How do you start? Where do yo…
 
Like never before in our lives, the COVID-19 pandemic has us facing the same challenges, no matter who we are or where we live. Virtually everything about how we live and work has been changed by the pandemic, and it can be harder than ever to feel like you have control over your life. For years, Dr. Jen Hartstein has been helping people get and st…
 
Being named as the executor or trustee of an estate is a big job. There are many tasks and responsibilities to take care of. And on top of that, it’s hard to imagine being able to make these important financial and legal decisions while grieving. A lot of times, people have no idea where to start or what to do. Without basic knowledge of the trust …
 
Individuals with special needs and their families face unique challenges when it comes to living, working, and even participating in their community, but it doesn’t mean that they can’t find independence. In a new episode of Absolute Trust Talk Live, Executive Director of East Bay Innovations, Tom Heinz joins Kirsten to discuss his organization and…
 
Social Security is a massively important asset to build a comfortable retirement. You don’t want to outlive your money or your lifestyle, and it’s very possible to do both. The Social Security code is even longer than the tax code, there’s so much misinformation out there, and there are countless tricky situations you can end up in if you don’t pos…
 
When a loved one is diagnosed with Alzheimer's or Dementia, a spouse, partner, or family member is thrust into the caregiver role. They are just expected to know what to do and how to do it. There is no conversation about it. The caregiver's journey is lonely and challenging, taking on more and more responsibility as their loved fades away. You may…
 
Most parents of children with special needs understand how important it is to plan ahead. While there are many vital parts to this planning, a special needs trust should be at the top of the list. Utilizing a special needs trust will ensure that after the parents pass away, the child will not lose any government benefits due to inheritance. But wha…
 
Now that we've settled into somewhat of a new normal for the time being, people are thinking about getting things in order. There is still a sense of urgency, but many are taking the time to review their estate plans to make sure everything is in place, or are taking steps to put a new plan in place. In California, one of the key tools we use is a …
 
Are you looking for a solution to keep the stay at home senior in your life safe during the COVID-19 pandemic? In-home caregivers are considered frontline, essential personnel, and have been prepared to care for seniors in place since long before the worst of Coronavirus. "Our caregivers, that are working in these communities are staying in those c…
 
It’s no secret that our most vulnerable population during this COVID-19 pandemic has been our seniors and older adults. They need extra protection and closer oversight because of the isolation they have been put in. The questions that remain include things like, “Who is there to make sure necessary care doesn’t fall through the cracks?” “How can I …
 
Are you a health care worker, or do you have a loved one who is? Then this episode is for you. Health care workers are very special, and we all owe them our gratitude for the work they do, but it's important, especially now, that they do not allow their instinct to help others get in the way of supporting themselves. Statistics are showing that the…
 
Do You Have a Plan That Would Enable a Trusted Family Member to Step in to Protect You from Predators? It’s hard to believe we are living in such scary and uncertain times. Unfortunately, there are still those out there who are taking advantage of that for their financial benefit. The coronavirus has resulted in new twists on common scams that main…
 
In uncertain times, like those we’re facing now, we tend to go into panic mode, worrying about everything all at once. With so much on our minds, we don’t realize that there is still an opportunity to take control and be prepared. Have you thought about what would happen if you or a loved one is impacted by coronavirus? Will your loved ones be prot…
 
The CARES Act has made massive, sweeping changes to our tax system and our business landscape. Whether you’re an entrepreneur, an employee, someone who was recently laid off, or a retiree, you probably have big questions about the programs available to you. How can you best use your money to get through this trying time, and how will you keep up wi…
 
Congress just passed the biggest stimulus bill of our lifetime. The CARES ["Coronavirus Aid, Relief and Economic Security] Act is a massive bill of all bills, totaling in the trillions of dollars, and it’s going to have significant impacts on us as business owners and individuals as we work together to get through this tough time. Today, I want to …
 
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