Jerry welcomes financial advisor Grace to unpack smart gifting and simple estate-planning moves. They clear up gift-tax myths (down-payment help, Form 709, annual exclusions), when direct payments avoid gift tax (tuition/medical), and why POD/TOD designations, updated beneficiaries, wills, POAs, and living directives keep loved ones out of probate chaos. Real talk on naming guardians/trustees, step-families, dementia documentation, and why an annual review saves heartbreak. 

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