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More families are facing the difficult reality of cognitive decline in parents or loved ones. What happens if dementia sets in before an estate plan is updated? Can changes still be made, and how do you know when it’s too late? In this episode, Nick breaks down testamentary capacity, the legal standard for whether someone can create or update a will or trust, and shares what options families have when a loved one begins showing signs of decline.

Here’s some of what we discuss in this episode:

📑 How attorneys test for mental capacity

🚫 Why hiding problems from your lawyer backfires

⏰ Why estate plan checkups are essential

🛡️ Steps to ensure documents are legally airtight

🧠 What “testamentary capacity” really means

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

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Leaving an inheritance to a child who struggles financially can feel like walking a tightrope. You want to provide support, but you don’t want your hard-earned legacy wasted, mismanaged, or taken advantage of. In this episode, Nick unpacks practical strategies to help parents strike the right balance and explains how to create a plan that protects your children while preserving your peace of mind.

Here’s some of what we discuss in this episode:

🚧 Why trusts provide guardrails for children with money struggles

🎯 Using age milestones or tiered distributions

💵 Monthly stipends to prevent lump-sum waste                                                                               

🛡️ Protections against divorce, creditors, or bad influences

🔑 Balancing structure with flexibility for the future

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Check out our free resources here: https://cincinnatiestateplan.com/free-resources/

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In this episode, Nick tackles a listener question about estate planning: Is it necessary to set up a trust to impose conditions on how an inheritance is distributed? Is their lawyer just trying to upsell them with unnecessary services? Nick breaks down when a will is sufficient and when a trust becomes essential for controlling the inheritance process.

Here’s some of what we discuss in this episode:

📝 Inheritance Conditions: Why certain conditions need a trust

💵 How a trust can protect your wishes

👨‍👩‍👧‍👦 Tailoring plans to your unique family situation

🤔 What to expect during your first meeting with an Estate Planner

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Check out our free resources here: https://cincinnatiestateplan.com/free-resources/

Check us out on YouTube: https://www.youtube.com/channel/UCf3WXpR0a-tMvimbMT_lkMA?sub_confirmation=1

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Fifth Third Bank recently made headlines offering “free wills” to customers through an online partner. Sounds great… but as Nick explains, this offer may be more dangerous than helpful. In this episode, Nick breaks down the fine print of the program, reveals how these DIY wills are often riddled with problems, and explains why a one-size-fits-all solution rarely works when it comes to your legacy. Nick shares firsthand stories about online estate documents gone wrong, and what to do instead.

Here’s some of what we discuss in this episode:

💻 Free online wills: What you’re really getting

🚨 False sense of security that could hurt your family

🧾 Validity concerns across different states

🛠️ DIY planning vs. expert legal advice

⚖️ The real cost of getting it wrong

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

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It’s a tough topic, but a common one. In this episode, Nick answers a listener question: Can I disinherit one of my children without creating problems for the others? Nick walks through the right way to do this, and spoiler: leaving them $1 (like in the movies) isn’t the best strategy. In fact, that move could actually give the disinherited child legal rights you’re trying to avoid.

Here’s some of what we discuss in this episode:

📝 The simple clause that protects your wishes

🔒 Why avoiding probate becomes even more important

🧠 Plan ahead, your trustee will thank you

🍿 Estate planning: less Hollywood, more real-life

🤝 Protect your other kids and your executor

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

Check us out on YouTube: https://www.youtube.com/channel/UCf3WXpR0a-tMvimbMT_lkMA?sub_confirmation=1

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A family member dies, and sometime later, you receive legal paperwork in the mail from a probate attorney or court. Maybe you were expecting an inheritance, maybe you weren't—but now you're staring at documents asking you to sign waivers, consents, or acknowledgments. You're unsure what they're for, whether you're legally required to respond, and what could happen if you don’t.

In this episode, we’ll explain why you might receive these documents, what they mean, and how to handle them whether you’re a beneficiary, a legal heir, or just a name on a mailing list. You’ll also hear his reflections on coaching a 1–15 Little League team, as the baseball season wraps up and his blood pressure finally returns to normal.

Here’s some of what we discuss in this episode:

📬 Why probate paperwork might show up unexpectedly

🧾 What those scary legal forms actually mean

🕵️ When to be suspicious and when not to worry

🕰️ The deadlines and risks of doing nothing

📞 When it’s worth hiring your own lawyer

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

Check us out on YouTube: https://www.youtube.com/channel/UCf3WXpR0a-tMvimbMT_lkMA?sub_confirmation=1

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Thinking about starting your estate plan but holding off because you might buy a business, inherit money, or move across the country? According to Nick, waiting is a mistake, and he’s got a great analogy to explain why. In this episode, he walks through what to do when you know big life changes are on the horizon.

Just like you wouldn’t buy a two-seater sports car if triplets were on the way, you shouldn’t build a short-term estate plan you’ll have to throw away. But that doesn’t mean doing nothing either. Nick explains how to plan ahead intelligently by building in flexibility and “future-proofing” your documents. Waiting for life to settle down is tempting, but estate planning isn’t something you leave to chance.

Here’s some of what we discuss in this episode:

🔑 How to “future-proof” for business, inheritance, or real estate

📅 Why checkups every 3–4 years are essential

🛠️ Add flexibility now, amend later

🤝 Communication with your attorney

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

Check us out on YouTube: https://www.youtube.com/channel/UCf3WXpR0a-tMvimbMT_lkMA?sub_confirmation=1

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Jimmy Buffett left behind a $275 million legacy, a boatload of beach vibes, and—surprise, surprise—a full-blown legal mess. In this episode, Nick digs into the estate drama brewing between Buffett’s wife and his longtime business manager. On paper, it looked like a smart setup: a co-trustee arrangement designed to keep things running smoothly. In reality? Let’s just say the blender’s been on high speed.

Here’s some of what we discuss in this episode:

⚖️ Wife vs. business manager: co-trustee clash

💰 $1.7M trustee fee—ripoff or reasonable?

🎧 Cassette tape memories & Buffett beach trips

🧾 Missing income, withheld info, and growing suspicions

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Here’s a situation most people don’t really think about: what happens if one of your beneficiaries dies before you do? It’s not just a legal formality, it’s a scenario that can create confusion, delay, and unintended consequences for your estate plan. If your plan doesn’t account for this possibility, state law might decide where the money goes, and the results could be far from what you intended.

In this episode, Nick breaks down what actually happens in these cases and why your estate documents need clear, thoughtful instructions for life’s unexpected turns.

Here’s some of what we discuss in this episode:

⚠️ What happens when your plan doesn’t have a backup

📜 How to properly structure contingencies in your will

👨‍👩‍👧‍👦 Why most people want assets to stay “in the family”

🛑 The legal dangers of outdated documents

📞 When a death should prompt a check-in with your estate attorney

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

Join us for our next workshop: https://cincinnatiestateplan.com/workshops/

Check out our free resources here: https://cincinnatiestateplan.com/free-resources/

Check us out on YouTube: https://www.youtube.com/channel/UCf3WXpR0a-tMvimbMT_lkMA?sub_confirmation=1

A family business is often more than just an asset—it’s a legacy. But passing it on after the death of the owner can create big challenges, especially when some heirs want to keep it running and others want out. In this episode, we dig into the legal and practical issues of transferring ownership of a family business through an estate plan. We’ll look at common scenarios where one child is involved in the business while others are not, how to handle buyouts fairly, and how to avoid turning your business succession into a battleground. Spoiler alert: planning ahead is key.

Here’s some of what we discuss in this episode:

🤝 How to keep things fair when only one child is interested

🛑 The co-ownership risks that can tear families apart

💸 Why cash (or lack of it) complicates everything

🧠 The importance of setting expectations before there’s a problem

Our website: https://cincinnatiestateplan.com/

Phone: 513-463-6789

Contact our team: [email protected]

Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/

Join us for our next workshop: https://cincinnatiestateplan.com/workshops/

Check out our free resources here: https://cincinnatiestateplan.com/free-resources/

Check us out on YouTube: https://www.youtube.com/channel/UCf3WXpR0a-tMvimbMT_lkMA?sub_confirmation=1