Plan for This Podcast – Full Episodes

What happens when a written “Do Not Intubate” order meets a hospital hallway filled with emotion? In this episode of Plan for This, Marguerite and Ron analyze a powerful scene from The Pitt to explore one of the most difficult end-of-life decisions families face: whether to honor a parent’s written medical directive or attempt life-extending intervention in a crisis. The episode breaks down advanced healthcare directives, fiduciary responsibility, and the emotional conflict adult children experience when faced with letting a parent go. Marguerite explains why documents alone are not enough, you must appoint the right healthcare agent, someone capable of honoring your wishes even when emotions are high. They discuss: Do Not Intubate vs. emotional override The legal authority of written medical directives How children can unintentionally act for themselves instead of as fiduciaries Why professional healthcare agents may protect family relationships The difference between cure and comfort End-of-life planning is not about giving up. It is about sovereignty, dignity, and protecting the people you love from future conflict. If this episode resonates with you, share it with your family and start the conversation before crisis makes the decision for you. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – The Hospital Scene That Sparked This Discussion 01:10 – What “Do Not Intubate” Really Means 03:00 – Can Children Override Written Wishes? 05:00 – Fiduciary Duty vs. Emotional Decision Making 07:30 – When Adult Children Can’t Let Go 09:45 – Why Documents Alone Are Not Enough 10:25 – Choosing the Right Healthcare Agent 12:22 – Should You Appoint a Professional? 14:08 – Protecting Sibling Relationships 16:33 – Cure vs. Comfort: Hospice and Palliative Care 18:00 – A Graceful Exit and Final Reflections ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #EstatePlanning #AdvancedHealthcareDirective #DoNotIntubate #EndOfLifePlanning #FiduciaryDuty #PlanForThis #HealthcareAgent

Is your retirement fund ready for a $36,000 monthly bill? In this episode of Plan for This, Marguerite Lorenz welcomes "Bow Tie" Tom Summers, an independent insurance agent, to pull back the curtain on the staggering costs of aging in California. Using the real-world example of Tom’s 100-year-old mother, they break down the math of 24/7 home care—which can reach over $433,000 per year—and compare it to the more cost-effective alternative of assisted living. They explore the "thought experiment" of your 90-year-old self and how to ensure your preferences for things like pets, plants, and even dark chocolate are respected. Key Takeaways: The ADL Trigger: Understand the 6 Activities of Daily Living (ADLs) and why you only need to struggle with two to trigger insurance benefits. Policy Types Explained: The difference between traditional LTCi, life insurance riders, and hybrid policies that return your premium to your estate. Cash vs. Reimbursement: Why a "cash indemnity" policy might offer more freedom (like taking a cruise!) compared to strict reimbursement models. The Inflation Factor: Why a 3% or 5% compound inflation rider is non-negotiable for long-term protection. Welcome to the Plan for This Podcast—your source for estate planning, insurance, and financial preparedness. Hosted by Marguerite Lorenz, we simplify complex topics into clear, actionable steps that help you protect your legacy. 00:00 – The Thought Experiment: Your 90-Year-Old Self 01:02 – Introduction of "Bow Tie" Tom Summers 02:11 – The Power of Professional Networking & Trust 04:52 – Estate Planning as a Toolbox for Your Family 06:51 – Real-World Realities of Reaching Age 100 08:25 – Why Declining the Executor Role is Sometimes Best 11:40 – Organizing Family Support & Health Care Power of Attorney 13:44 – The $433,000 Annual Reality: Breaking Down At-Home Care Costs 16:12 – California Care Costs vs. Patient Initiative 19:20 – Navigating the Hospice Care System 22:08 – Why Many People Resist Long-Term Planning 24:12 – Marguerite’s Personal Experience with Long-Term Care Insurance 26:45 – How Long-Term Care Benefits are Triggered 28:40 – The 6 Activities of Daily Living (ADLs) Explained 32:03 – Using Insurance to Protect Retirement Assets 36:30 – The Critical Importance of Compound Inflation Riders 40:01 – Price Comparison: Home Care vs. Assisted Living 43:04 – Cash Indemnity vs. Reimbursement Policies 46:31 – Final Thoughts & Contact Information for Tom Summers Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Special Thanks to our Sponsors: Independent Trustee Alliance: trusteealliance.com Estate Sale Warehouse: estatesalewarehouse.com Because when life asks, “Did you plan for this?”—you’ll be ready. #EstatePlanning #LongTermCare #Insurance #FinancialPreparedness #AgingInPlace #PlanForThisPodcast

Can you really leave your entire fortune to your dog? 🐶 In this episode of Plan for This, Marguerite Lorenz and Ron Greenwald dive into the infamous case of Leona Helmsley—the "Queen of Mean"—who famously bequeathed $12 million to her Maltese, Trouble, while disinheriting her own grandchildren. They break down the legal realities of pet trusts, the thin line between personal sovereignty and mental incompetence, and why "controlling from the grave" often leads to years of expensive litigation. Whether you're a "pet parent" wanting to ensure your animal's care or someone reconsidering a family inheritance, this conversation highlights the importance of planning with a "cooler head". Key Takeaways: The Reality of Pet Trusts: In states like California, pet trusts are legal, but they require a human guardian to manage the funds. Capacity & Competence: If you plan on making "unusual" requests, getting a doctor’s letter of competence can protect your wishes from being challenged. Legacy vs. Control: Is your estate plan a gift to help your family thrive, or a "bomb" dropped behind you?. Welcome to the Plan for This Podcast—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. ⏱️ Chapter Timestamps 00:00 – The $12 Million Dog: The Leona Helmsley Story 01:45 – When Courts Overrule Your Will 04:30 – Proving Competence for Unusual Requests 06:05 – How Pet Trusts Actually Work (Legal Requirements) 08:00 – The Ethics of Pet Guardianship & Maintenance Costs 09:30 – Planning for Long-Lived Pets (Birds & Tortoises) 11:15 – Real-World Case: Transitioning Pets for Seniors 13:15 – The Risks of Disinheriting Family Members 15:20 – How Attorneys Assess Mental Capacity 17:05 – Loving vs. Controlling from the Grave 18:30 – When to Review and "Dust Off" Your Plan 19:10 – Become a PlanFan and Join the Community ✨ What You’ll Learn on This Channel: Estate planning basics (wills, trusts, probate, and more) Executor and trustee responsibilities explained Family caregiving, financial preparedness, and legacy planning Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Special Thanks to our Sponsors: Independent Trustee Alliance: trusteealliance.com Estate Sale Warehouse: estatesalewarehouse.com Because when life asks, “Did you plan for this?”—you’ll be ready. #EstatePlanning #PetTrust #LeonaHelmsley #WillsAndTrusts #LegacyPlanning #PlanForThisPodcast

What happens when caregiving, aging, and cognitive decline are handled in isolation instead of with a plan? In this episode of Plan for This, Marguerite and Ron examine a troubling real-world situation involving Gene Hackman and Betsy Arakawa, using it as a lens to discuss how shame, privacy, and avoidance can quietly escalate into serious safety risks. They break down the dangers of relying on a single caregiver, especially when the healthier or younger spouse unexpectedly dies first, leaving the impaired partner alone without oversight. The conversation explores dementia, isolation, hoarding conditions, and why “we’ll handle it ourselves” often prevents the very help that could protect someone’s dignity and safety. This episode is a direct reminder that estate planning is not just about documents, it’s about building a care team, assigning real authority, and ensuring someone is truly checking in before a situation becomes dangerous. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 00:00 – The Shame Around Not Being Able to Keep Up 01:20 – Aging, Isolation, and Cognitive Decline 03:05 – When One Spouse Becomes the Only Caregiver 05:10 – Why Privacy Can Block Needed Help 07:25 – Dementia, Safety, and Hidden Red Flags 09:50 – What Happens When the Caregiver Dies First 12:10 – Why “Handling It Ourselves” Fails 14:35 – The Importance of a Real Care Team 17:05 – Trustee Responsibility and Checking In 19:10 – When Adult Protective Services Is Appropriate 21:35 – What This Case Teaches Families 23:40 – Final Takeaways 24:30 – Become a PlanFan and join the community ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast

Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: What happens when estate planning details are unclear, incomplete, or assumed instead of confirmed? In this episode of Plan for This, Marguerite and Ron respond to a real PlanFan question that reveals how quickly everyday uncertainty can turn into legal, financial, and emotional stress. They break down how gaps in authority, outdated documents, and unspoken assumptions create delays and unintended consequences during moments of crisis. The conversation focuses on why “almost planned” is often more dangerous than not planning at all, and how clarity, not complexity, is the goal of effective estate planning. This episode is a practical reminder that planning is not about perfection, it is about removing uncertainty so families are not forced to make high-stakes decisions under pressure. Timestamps: 00:00 – The PlanFan Question That Starts It All 00:20 – Why Small Planning Gaps Become Big Problems 01:10 – When No One Has Clear Authority 02:05 – “We Thought We Had That Covered” 03:00 – How Assumptions Replace Real Planning 03:55 – The Emotional Cost of Uncertainty 04:55 – Clarity Matters More Than Complexity 05:55 – What Proactive Estate Planning Looks Like 06:55 – Key Takeaways for PlanFans 07:35 – How to Take the First Step (PlanFan CTA) ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #estateplanning #planforthispodcast #planfan #lifeplanning #FamilyClarity #incapacityplanning

What happens when your past creates heirs you never planned for? In this episode of Plan for This, Marguerite and Ron unpack a complicated estate planning scenario involving anonymous sperm donation, hidden heirs, and the long-term consequences of silence in relationships. Using Brian’s story, they explain how heirs at law differ from named beneficiaries, why wills and trusts can still be challenged, and how fear of unknown claimants can quietly limit life decisions, including marriage, home purchases, and retirement planning. The episode also explores late-in-life relationships, separate versus shared trusts, and why honesty with a spouse is essential to effective planning. A PlanFan question closes the episode, addressing tenant rights when a long-time landlord passes away and why renters also need clarity around estate planning and legal protections. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Introduction and overview of the case 01:20 – Anonymous donation and unintended heirs 03:05 – Heirs at law vs named beneficiaries 05:10 – Why trusts and wills can still be challenged 07:00 – The cost of silence with a spouse 09:10 – Late-in-life relationships and estate risk 11:20 – Separate trusts vs shared planning 13:30 – Fear of unknown heirs limiting life choices 15:10 – PlanFan question: tenant rights after death 17:05 – Why renters still need estate planning 18:50 – Key takeaways 20:05 – Standard PlanFan CTA ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #EstatePlanning #HiddenHeirs #PlanForThis #HeirsAtLaw #LegacyPlanning #LateLifePlanning #PlanFan #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast

Most families never clearly talk about care-giving until someone is already overwhelmed. In this episode of Plan for This, Marguerite and Ron open with a short comedic clip from Joe DeVito to highlight a serious truth: many parents assume their children will “just take care of things,” while adult children assume they will figure it out later. From there, the conversation deepens into the real cost of silence. Marguerite explains how care-giving often begins gradually, how capacity loss quietly triggers legal and financial authority, and why relying on family alone can create burnout, resentment, and unintended tax and planning consequences. Ron adds perspective on how guilt replaces clarity when expectations are never discussed. This episode is a compassionate but direct reminder that care-giving is not a moral obligation, it is a logistical reality that requires honest conversations and proactive planning to protect everyone involved. Welcome to the *Plan for This Podcast* your trusted source for estate planning, wills, trusts, care-giving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Opening clip and the humor behind care-giving assumptions 01:18 – Why families avoid care-giving conversations 02:45 – “My kids will take care of me” and other unspoken beliefs 04:10 – How care-giving quietly begins 05:40 – When help turns into responsibility 07:05 – Caregiver burnout and emotional toll 08:35 – Capacity loss and legal authority triggers 10:05 – Fiduciary roles and financial consequences 11:40 – Tax and income implications of care-giving 13:05 – Why relying only on family creates risk 14:40 – How silence becomes guilt 16:10 – Turning obligation into clarity 17:45 – What families should discuss now 19:05 – Key takeaways 20:10 – Standard PlanFan CTA ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family care-giving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #caregiving #EstatePlanning #FamilyConversations #PlanForThis #IncapacityPlanning #CaregiverBurnout #AgingParents #PlanFan #LifePlanning #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast

What happens when someone with immense wealth, influence, and creativity dies without a will or trust? In this episode of Plan for This, Marguerite and Ron unpack the estate planning fallout following the death of Tony Hsieh, founder of Zappos, and why his lack of formal planning led to years of probate chaos, public scrutiny, and emotional strain on his family. They explain how handwritten notes, verbal promises, and informal records failed to hold up in court, leaving Tony’s parents navigating complex probate proceedings, disputed assets, and unresolved questions about ownership. The conversation also expands into modern planning realities, including digital passwords, intellectual property for creators and entrepreneurs, and why estate planning is not about age, but responsibility. This episode is a powerful reminder that without clear documents, your legacy can become a legal mess, no matter how good your intentions were. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, care-giving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Introduction: why Tony Hsieh’s estate matters to everyone 01:10 – Who Tony Hsieh was and why his case is unique 02:40 – Dying without a will: what actually happens 04:05 – Probate court explained through the Hsieh case 05:35 – Handwritten notes, sticky notes, and verbal promises 07:10 – Real estate bought for friends and ownership confusion 08:55 – Why probate becomes public and expensive 10:20 – The emotional toll on surviving parents and families 12:00 – Digital passwords and access problems after death 13:30 – Why password managers matter in estate planning 15:05 – Intellectual property and creator estates 16:40 – Estate planning is not about age or net worth 18:05 – What Tony’s case teaches entrepreneurs and creatives 19:35 – How planning protects privacy and legacy 21:00 – Final thoughts and key lessons 21:55 – Standard PlanFan CTA ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #estateplanning #willsandtrusts #caregiving #financialpreparedness #PlanForThisPodcast #estateplanning #TonyHsieh #probate #planforthispodcast #NoWill #legacyplanning #digitalassets #entrepreneurlife #ipprotection #podcast #planfan

Your estate plan is not “set it and forget it,” and in this episode of Plan for This, Marguerite and Ron walk us through the case of Lila and Jerry, a couple whose trust and documents are more than 25 years old. What begins as a simple review quickly reveals risks: outdated language, missing successor trustees, unclear incapacity provisions, banking limitations, and amendments stacked on amendments. Marguerite explains why major life changes, aging, blended families, property shifts, and even evolving laws can render an estate plan ineffective if it is never updated. Ron highlights emotional realities, like a spouse who resists change, fears losing control, or clings to outdated instructions without realizing the consequences. Listeners learn the differences between amendments and restatements, how to prepare for a trust attorney's visit, why incapacity triggers must be explicit, and what conversations spouses should have before crisis strikes. This episode is a practical roadmap for anyone wondering whether their estate plan is still serving them, or quietly putting their family at risk. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Introduction to Lila & Jerry’s outdated estate plan 01:02 – Why 25-year-old documents are a problem 02:20 – Life changes that require updating a trust 03:40 – How amendments differ from restatements 05:12 – Emotional resistance: “Why change what isn’t broken” 06:30 – Preparing for an attorney’s home visit 08:05 – Reviewing incapacity provisions and triggers 09:18 – Successor trustees: who, when, and why 11:10 – Banking issues and access to accounts 12:50 – Protecting the healthy spouse when one declines 14:15 – House title, refinancing complications, and old language 15:30 – Why reviewing documents every few years is essential 17:00 – Avoiding conflict between children and second spouses 18:22 – What Lila should ask Jerry before the lawyer arrives 19:40 – Final recommendations for aging couples 20:45 – Standard PlanFan CTA ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #estateplanning #OutdatedTrust #planforthispodcast #SuccessorTrustees #incapacityplanning #familytrust #planfan #legalplanning #agingparents #TrustRestatement

Talking about end-of-life wishes is not morbid, it is compassionate. In this powerful episode of Plan for This, Marguerite and Ron walk through the Go Wish card deck, a tool designed to spark honest conversations about what matters most in a person’s final weeks. Each card represents a priority people often struggle to say aloud, such as relief from pain, being with family, maintaining dignity, having spiritual support, or resolving unfinished business. Marguerite explains how these conversations prevent fear and conflict, while Ron shares real client stories that reveal how powerful it is when families know exactly what a parent or partner wants. This episode emphasizes that end-of-life planning is not about focusing on decline. It is about preserving dignity, easing emotional pressure, and giving loved ones the clarity they will desperately need in difficult moments. The Go Wish deck becomes a simple, approachable tool that turns a hard conversation into a meaningful one. Welcome to the *Plan for This Podcast* your trusted source for estate planning, wills, trusts, care-giving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Introduction: why end-of-life planning matters 00:42 – What the Go Wish Cards are designed to do 02:05 – Turning difficult conversations into meaningful clarity 03:20 – Card examples: comfort, dignity, relief from pain 04:35 – Why people struggle to express their true end-of-life wishes 05:52 – The emotional impact of knowing someone’s priorities 07:12 – How couples, family members, and caregivers can use the deck 08:24 – Card: “To have my family with me” and navigating family conflict 09:40 – Card: “To be free from pain” and medical decision authority 11:10 – Card: “To have human touch” and care-team communication 12:35 – Card: “To laugh or maintain humor” 13:50 – Hospice stories: what families wish they had known sooner 15:10 – How the cards help resolve guilt and uncertainty 16:22 – When adult children disagree: the role of the healthcare agent 17:40 – How end-of-life wishes reduce trauma for survivors 19:05 – Using Go Wish in planning sessions and family meetings 20:00 – Final reflections: clarity is a gift ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #endoflifeplanning #GoWishCards #planforthispodcast #healthcaredecisions #lifeplanning #legacyplanning #advancecareplanning #caregiversupport #hospicecare #PlanFan #estateplanning #willsandtrusts #caregiving #financialpreparedness #planforthispodcast

Facing mortality is difficult, however preparing for it brings clarity, comfort, and peace of mind. In this insightful episode of Plan for This, Marguerite welcomes author Greg Barnsdale, whose book Do Not Ignore Your Mortality challenges families to embrace honest conversations long before crisis moments arrive. Together, they explore why people delay estate planning, how unresolved fears block meaningful dialogue, and the emotional freedom that comes when your affairs are in order. Greg shares how, shortly after publishing his book, he was unexpectedly diagnosed with a large brain tumor — a life-altering moment that reaffirmed everything he teaches about planning early, building a trusted team, and reducing the burden on loved ones. Marguerite and Greg also cover blended families, choosing successor trustees, digital access, charitable giving, and why planning is ultimately an act of love. Whether you are updating your plan, thinking about your legacy, or supporting aging parents, this conversation offers the clarity and motivation you need to act now. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Opening: why most people avoid thinking about mortality 00:52 – Introducing guest Greg Barnsdale 02:03 – Greg’s inspiration behind Do Not Ignore Your Mortality 03:45 – Why planning early relieves stress for everyone 05:10 – Emotional barriers: fear, guilt, and avoidance 06:42 – How loved ones react when you finally get things organized 08:05 – The brain tumor diagnosis that changed everything 09:58 – How sudden health events reshape priorities 11:21 – Planning for blended families and second marriages 12:48 – Choosing successor trustees and understanding responsibility 14:02 – Digital access, passwords, and modern planning needs 15:20 – Why estate planning is an act of love, not control 16:45 – Charitable giving and long-term intentions 18:15 – Preparing documents so family isn’t scrambling 20:04 – What most people regret waiting too long to address 21:18 – Greg’s advice for those feeling overwhelmed 22:40 – Why your plan is a gift to the people who love you 23:58 – Closing thoughts from Marguerite ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #EstatePlanning #DoNotIgnoreYourMortality #LegacyPlanning #PlanForThis #EndOfLifePlanning #BlendedFamilies #TrusteeAdvice #FinancialPlanning #LifeOrganization #PlanFan #MortalityMindset

When faith, family, and finances collide, elders can become vulnerable in ways they never expected. In this episode of Plan for This, Marguerite and Ron share the story of Dolores, a 78 year old widow whose increasing church gifts and pastor recommended reverse mortgage left her exposed when a serious accident changed everything. As her son Gary steps in to help, Marguerite walks through the real reverse mortgage risks that often get glossed over, from high upfront costs to eroding home equity and forced sale when someone can no longer live in their house. She explains why big financial decisions should never be made on the advice of a single voice, and why elders need a team that includes a CPA, estate planning attorney, and, when needed, a professional fiduciary. Later, a PlanFan asks what to do with extra GoFundMe money after a daughter’s health improves. Marguerite and Ron explore tax issues, ethical questions, and creative “pay it forward” options that still respect the intent of donors. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness. Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most. 📌 In this episode: 00:00 – Opening: giving, generosity, and how cons really work 00:40 – Show intro and theme: “Did you pray for this, or did you miss?” 01:18 – Meet Gary and Dolores, her church life, and missed family holidays 02:05 – The accident, the pastor as emergency contact, and moving in with Gary 03:15 – Discovering Dolores’s tithes and the pastor recommended reverse mortgage 04:03 – Is this financial elder abuse, or is Dolores simply making choices 04:50 – Where pastors and faith leaders should (and should not) get involved 05:11 – Reverse mortgages as serious financial products, not quick fixes 05:42 – The real costs: fees, compounding interest, and borrowing from yourself 06:05 – Marguerite’s case story: a reverse mortgage months before an elder’s passing 07:31 – Health information, honesty, and the need for holistic planning 08:24 – Why a neutral CPA or advisor should read the reverse mortgage contract 09:14 – Fine print, senior living contracts, and the value of professional review 09:40 – Back to Gary: where has he been, and how much should adult children know 10:33 – “None of my kids’ business” and why elders still need a team 11:22 – Talking about tithing with a neutral third party instead of alone 11:44 – Shame, scams, and why cons rely on secrecy and embarrassment 12:32 – Is Gary really in charge, or does the pastor still hold authority 13:10 – Health care agents, hospital forms, and matching documents to the plan 14:21 – Practical steps: sharing your healthcare directive with your doctor and hospital 15:21 – If Dolores never plans, Gary could end up in probate court 16:25 – Independence versus logistics, planning while you are still clear 17:12 – Clergy, donations, and the line between generosity and exploitation 18:27 – Reverse mortgage basics: age, staying in the home, and care costs 19:36 – What happens when you can no longer live in the home 20:40 – Equity erosion, compounding interest, and forced sale scenarios 21:06 – Dolores’s likely shortfall and the importance of building a care team now 22:08 – How Gary can start the conversation: get your own estate plan first 23:22 – Marguerite’s personal story about her father and blended family planning 26:10 – Fiduciary duty, conflict of interest, and being honest about money thoughts 29:21 – Bringing it back to Gary: can he serve if the church inherits everything 31:21 – Building a team that may or may not include family members 31:47 – PlanFan invitation: share stories, comment, and anonymize if needed 32:28 – Sponsor mentions: Independent Trustee Alliance and Estate Sale Warehouse 33:18 – PlanFan question: extra GoFundMe funds after daughter’s cancer remission 34:04 – What “extra cash” really means, and options for paying it forward 35:12 – Tax questions, CPAs, and donor deductibility issues 36:09 – No perfect answer, more questions, and the power of honest community 37:08 – Closing reflections and reminder to plan for your own future ✨ What You’ll Learn on This Channel: - Estate planning basics (wills, trusts, probate, and more) - Executor and trustee responsibilities explained - Family caregiving, financial preparedness, and legacy planning - Real stories, expert insights, and practical tools 👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/ Because when life asks, *“Did you plan for this?”*—you’ll be ready. #ReverseMortgageRisks #estateplanning #FinancialElderAbuse #elderprotection #faithandfinances #planforthispodcast #fiduciaryduty #agingparents #ChurchGiving #GoFundMeEthics #seniorfinance #lifeplanning

When Debbie Reynolds and her daughter Carrie Fisher passed away just one day apart, the world mourned their loss—but estate planners saw another story beneath the headlines. What happens when two generations pass in rapid succession? Who inherits first, and how does the law determine ownership, timing, and taxes? In this episode of Plan for This, Marguerite and Ron unpack the estate planning lessons from the Reynolds–Fisher family. They discuss how timing, titling, and successor planning can drastically alter outcomes for beneficiaries, and why every family—celebrity or not—should prepare for the unexpected. Through empathy and expertise, Marguerite explains how joint ownership, trusts, and proper documentation can prevent family turmoil. This case study is more than Hollywood history—it’s a masterclass in love, legacy, and the importance of planning ahead. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com to join our community and take control of your legacy with confidence. Timestamps: 00:00 – Remembering Debbie Reynolds and Carrie Fisher 01:30 – The emotional and legal realities of simultaneous passing 03:00 – How timing affects inheritance and asset distribution 05:10 – Understanding “chain of title” in estate law 07:05 – Successor trustees: who steps in and when 09:20 – How to handle joint accounts and real property 11:15 – Managing intellectual property rights and royalties 13:45 – Fiduciary duties during grief 16:20 – Protecting family harmony through transparency 19:15 – Lessons for every generation 22:00 – Closing reflections: love, legacy, and preparation

What can we learn from Tom Hanks and Rita Wilson’s family story? In this episode of Plan for This, Marguerite and Ron dive into the unique estate planning challenges that blended families face—especially when fame, business, and legacy all overlap. Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness.   Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most.   📌 In this episode:  Through humor, real-world examples, and heartfelt storytelling, they explore co-trusteeship, charitable giving, and family harmony—using Tom and Rita’s blended family as a relatable case study. From choosing the right successor trustee to balancing cultural traditions, Marguerite breaks down what every family should consider when creating a plan that actually works. This episode reminds us that estate planning isn’t just about documents—it’s about love, communication, and the courage to have the tough conversations before life forces them. *Timestamps* 00:00 – Tom Hanks & Rita Wilson: Blended family dynamics 02:00 – Ron’s childhood story about growing up with Rita Wilson 05:30 – Celebrities are people too: love, loss, and planning 07:30 – Co-trusteeships explained: why they often cause conflict 10:00 – How family relationships affect fiduciary choices 12:00 – Why birth order and personality matter when naming a trustee 15:00 – Cultural & religious considerations in planning 18:30 – Charitable intent and family foundations 22:00 – Planning for business succession and legacy 26:30 – Final reflections: communication, compassion, and courage ✨ What You’ll Learn on This Channel:   - Estate planning basics (wills, trusts, probate, and more)   - Executor and trustee responsibilities explained   - Family caregiving, financial preparedness, and legacy planning   - Real stories, expert insights, and practical tools   👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/  Because when life asks, *“Did you plan for this?”*—you’ll be ready.   #EstatePlanning #BlendedFamilies #TrusteeTips #FiduciaryDuty #FamilyHarmony #PlanForThis #LegacyPlanning #CharitableGiving #CulturalValues #PlanFan #EstateLaw #FamilyBusiness

When comedy legend Jay Leno petitioned the court to become conservator for his wife Mavis, the headlines caught everyone’s attention. But behind the celebrity story lies a universal truth—conservatorship can happen to any family that doesn’t have a complete estate plan in place. In this episode of Plan for This, Marguerite and Ron unpack the Leno case to explain how conservatorships work, what capacity means, and how simple documents—like a durable power of attorney and an advance healthcare directive—can prevent families from being forced into court. They also explore the responsibilities of trustees, the difference between probate and conservatorship, and how to make sure your trust is properly “funded” so it actually works when needed. If you’ve ever wondered how to keep your family’s privacy and dignity protected, this is a must-listen. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com to join our community and take control of your legacy with confidence. Timestamps: 00:00 – Why it’s awkward but essential to talk about family finances 00:50 – Jay & Mavis Leno: petitioning for conservatorship 02:00 – What is conservatorship, and why does it exist? 03:20 – Guardianship vs. conservatorship (California vs. other states) 05:22 – How health emergencies can trigger the need for court involvement 06:41 – Understanding capacity and legal consent 08:00 – What makes a trust work: title changes and funding 09:45 – How outdated documents can cause legal complications 12:00 – Durable Power of Attorney and Advance Healthcare Directive explained 15:00 – Why a will alone isn’t enough 17:30 – Conservatorship as the “court of last resort” 20:00 – Fiduciary duties and why they matter 22:30 – How to stay out of court through proactive estate planning 24:45 – Final thoughts: protect your privacy, plan your peace of mind

What happens when grief, aging, and fear of dependence collide? In this episode of Plan for This, Marguerite and Ron walk through the story of Meredith, a 73-year-old widow facing cognitive decline, lingering grief, and the difficult question of who will care for her as she grows older. With her daughter Eliza stepping in as a natural caregiver, Meredith struggles with the tension between wanting independence and needing support. Marguerite explains how families can prepare before crisis hits—through clear estate planning, honest conversations, and bringing in professionals when family dynamics get complicated. This heartfelt discussion offers practical steps for addressing elder care, property titling, caregiving roles, and how to reframe estate planning as an act of love rather than loss. Whether you’re a parent, caregiver, or adult child, this episode is a roadmap for maintaining dignity, independence, and harmony through life’s later chapters. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com to join our community and take control of your legacy with confidence. Timestamps: 00:00 – Meredith’s story: widowhood, grief & cognitive decline 02:00 – Why families avoid estate planning conversations 04:11 – Caregiving vs independence: when roles blur 05:47 – Bringing in professionals & third-party mediators 08:34 – Reframing incapacity & the fear of losing control 10:45 – Sibling dynamics in elder care 12:21 – The importance of being the “CEO of your life” 16:19 – Independence vs interdependence: redefining support 18:52 – How property titling impacts inheritance 23:35 – Caregiver boundaries & fiduciary duty 26:07 – Safety concerns & medical evaluations 28:50 – How professionals protect dignity and fairness 31:55 – Property ownership and chain of title explained 34:44 – Couples, remarriage, and inheritance realities 35:50 – Advocating for yourself as you age 38:13 – Socialization vs isolation: the key to aging well 43:10 – Senior communities, companionship & dignity 46:29 – Finding love again: planning for romance later in life 48:28 – Closing reflections

Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness.   Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most.   📌 In this episode:  What happens when a remarried couple with a blended family dies without an estate plan? In this episode of Plan for This, Marguerite and Ron unpack the story of Gerald and Edna, a couple in their 90s whose sudden passing exposed the dangers of leaving no instructions behind. With children from both sides—Mark, Susan, and Rachel—the family finds itself in conflict. Probate court, the Simultaneous Passing Act, and missing fiduciary duties complicate matters, while grief collides with resentment and legal battles. Marguerite explains how professional trustees, clear documents, and honest conversations could have prevented chaos, ensuring fairness for everyone involved. This cautionary case study shows why every family—wealthy or not, first marriage or blended—needs a plan. Estate planning is not just about assets; it’s about protecting love, dignity, and family harmony. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com  to join our community and take control of your legacy with confidence. Timestamps: 00:00 – Gerald & Edna’s story: remarriage, blended family, no plan 00:41 – The tragedy: sudden passing and no instructions 02:00 – How probate and the Simultaneous Passing Act apply 04:11 – Why families avoid estate planning conversations 05:24 – Assumptions vs. legal reality in probate 07:16 – Rachel’s perspective: stepchildren left out 08:27 – Fiduciary duty & breach of responsibility 11:08 – Sole & separate property in second marriages 13:53 – Multiple trusts: his, hers, and joint 16:54 – Step one: finding the right estate planning attorney 17:36 – Proactive planning tips for blended families 19:01 – Understanding the Simultaneous Passing Act 23:39 – Fiduciary duty: serving the estate, not yourself 26:12 – Rights of heirs and grandchildren 27:16 – Role of professional trustees as investigators 30:03 – Ethical and legal responsibilities of trustees 31:59 – Lessons from Marguerite’s personal experience 33:38 – Closing reflections: every family needs an estate plan ✨ What You’ll Learn on This Channel:   - Estate planning basics (wills, trusts, probate, and more)   - Executor and trustee responsibilities explained   - Family caregiving, financial preparedness, and legacy planning   - Real stories, expert insights, and practical tools   👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/  Because when life asks, *“Did you plan for this?”*—you’ll be ready.   #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast

Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness.   Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most.   📌 In this episode:  What happens when your estate plan relies on a will and a testamentary trust—only for your attorney and successor trustee to pass away before you do? In this episode of Plan for This, Marguerite and Ron examine a real case study of Douglas, a widower who believed a simple will was enough. His story reveals the risks of incomplete planning, outdated documents, and not having successor trustees in place. Marguerite explains the differences between wills, testamentary trusts, and revocable living trusts—highlighting how each tool works, where they fall short, and why updating your plan matters. The discussion also explores blended family dynamics, prenuptial agreements, life estates, and why naming the wrong trustee can cause lasting family conflict. Whether you’re new to estate planning or revisiting an old plan, this episode delivers the practical insights you need to make confident choices about your future. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com to join our community and take control of your legacy with confidence. Timestamps:  00:00 – Introduction & case study setup  01:00 – Douglas’s story: will, testamentary trust & missing successor trustee  02:07 – What is a testamentary trust?  04:24 – The role and limits of a will  06:36 – Why Douglas must update his plan now  07:57 – When was your trust last reviewed?  08:13 – Laws change, so should your documents  09:36 – The importance of revisiting estate plans regularly  11:40 – Blended families: new challenges for estate planning  13:27 – Listener Q&A: Separate finances and blended families  15:23 – Trusts, prenups, and life estate considerations  17:14 – Successor trustee conflicts in blended families  20:57 – Why co-trustees are risky for family harmony  22:50 – Final thoughts: everyone needs an updated estate plan ✨ What You’ll Learn on This Channel:   - Estate planning basics (wills, trusts, probate, and more)   - Executor and trustee responsibilities explained   - Family caregiving, financial preparedness, and legacy planning   - Real stories, expert insights, and practical tools   👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/  Because when life asks, *“Did you plan for this?”*—you’ll be ready.   #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast

Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness.   Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most.   📌 In this episode:  Ever wondered what really happens during an estate cleanout? In this episode of Plan for This, Marguerite and Ron welcome Todd Stephenson, owner of Estate Sale Warehouse, to uncover the truth about estate sales, consignment, and how fiduciaries and families can make the right choices when dealing with a house full of belongings. From classic cars and mid-century furniture to thrift shop finds and hidden treasures, Todd shares his 31 years of experience helping families downsize, clear estates, and avoid common pitfalls in the resale market. You’ll learn why not everything is as valuable as it seems, the surprising risks of traditional estate sales, and how modern consignment models create transparency and fairness for beneficiaries. Whether you’re a trustee, fiduciary, or a family member simply preparing for life’s transitions, this episode delivers expert insight with compassion and real-world stories. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com to join our community and take control of your legacy with confidence. Timestamps:  00:00 – Introduction & sponsor messages  01:19 – Meet guest Todd Stephenson (Estate Sale Warehouse)  03:00 – From thrift shops to classic cars: Todd’s early story  08:46 – Walking into a house: how estate evaluations begin  10:58 – What has value (and what doesn’t) in today’s market  13:22 – How consignment works & why it’s transparent  15:54 – The risks of traditional estate sales  18:37 – Why you should never throw anything away  21:05 – Hidden treasures & surprising finds  24:51 – The true costs of estate sales  26:41 – Generational shifts in resale demand  28:18 – Can Todd help outside California?  30:55 – Consulting, transparency & fiduciary responsibilities  33:39 – Security, emotions & family dynamics  34:38 – Passion for helping families solve estate challenges  37:20 – Closing reflections ✨ What You’ll Learn on This Channel:   - Estate planning basics (wills, trusts, probate, and more)   - Executor and trustee responsibilities explained   - Family caregiving, financial preparedness, and legacy planning   - Real stories, expert insights, and practical tools   👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/  Because when life asks, *“Did you plan for this?”*—you’ll be ready.   #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast

Welcome to the *Plan for This Podcast*—your trusted source for estate planning, wills, trusts, caregiving, and financial preparedness.   Hosted by Marguerite Lorenz and Ron Greenwald, we simplify complex topics into clear, actionable steps that help you protect what matters most.   📌 In this episode:  Life doesn’t always go as planned—and that’s exactly why planning ahead matters. In this episode of Plan for This, Marguerite and Ron share powerful stories and professional insights about the importance of life planning through estate planning. From unexpected health crises to the realities of probate court, they uncover why every adult—regardless of age, wealth, or family size—needs a plan in place. Marguerite draws on decades of experience as a professional trustee and executor to explain how tools like advanced healthcare directives, powers of attorney, and thoughtful conversations with loved ones can protect both your independence and your family’s harmony. You’ll discover why planning is about more than legal documents—it’s about creating peace of mind, reducing fear, and ensuring your legacy reflects the life you want to be remembered for. 👉 Become a PlanFan today and get access to our First Steps Toolkit, member-only support, and reminders to keep your plan current. Visit www.PlanForThis.com to join our community and take control of your legacy with confidence. Will you be ready when Life asks, “Did you plan for this?” Timestamps:  00:00 – Facing life’s unknowns: why we avoid planning  02:09 – What “being ready” really means  03:30 – Why most people avoid estate planning  05:57 – Defining your legacy and choices for the future  07:37 – The challenge of talking with family about planning  10:45 – How probate code affects those without a plan  12:49 – Why planning isn’t just for the wealthy or elderly  15:13 – Lessons from family experiences  16:28 – Resources, attorneys, and where to begin  17:52 – 9 out of 10 people lack documents: a medical perspective  19:06 – Why “just being married” isn’t enough  20:51 – Unmasking the mystery of life planning  22:29 – Relief and empowerment from getting documents done  24:07 – Building family harmony through proactive planning  25:49 – Sibling rivalry, tough conversations, and family dynamics  27:12 – Why leadership means getting your own plan done  28:28 – Estate planning as your “oxygen mask”  29:56 – The caregiver’s burden and why planning matters  31:16 – Estate planning as practical self-love  33:11 – 100% of families face this reality  34:38 – Marguerite’s final message: protect love, protect family ✨ What You’ll Learn on This Channel:   - Estate planning basics (wills, trusts, probate, and more)   - Executor and trustee responsibilities explained   - Family caregiving, financial preparedness, and legacy planning   - Real stories, expert insights, and practical tools   👉 Subscribe for weekly episodes: @PlanForthis 👉 Join our PlanFan community: https://planforthis.com/  Because when life asks, *“Did you plan for this?”*—you’ll be ready.   #EstatePlanning #WillsAndTrusts #Caregiving #FinancialPreparedness #PlanForThisPodcast