Everything Estate Planning

Estate Planning at Age 18, 40, 65+...What Everyone Needs to Know

Your estate plan should grow and change right along with your life.

In this episode, Valerie Zammitti explores what estate planning looks like at four very different stages: becoming a legal adult, raising minor children, preparing for retirement, and living in retirement.

You'll hear why turning 18 changes who can legally help you, why parents need more than a guardian designation, how unmarried families can face unexpected legal gaps, and why the years before retirement are often the perfect time to simplify accounts, beneficiaries and ownership.

Valerie also discusses the priorities that become increasingly important later in life, including incapacity planning, long-term care, asset protection, taxes, legacy decisions and regular plan reviews.

Because a meaningful estate plan isn't just about what happens after you die. It's about protecting your choices, reducing uncertainty and making life easier for the people you love.

Zammitti Law, PLLC | New York & New Jersey YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#515 | Estate Planning in 2026: What Families Need to Know Now

Estate planning has changed, and not only because the tax laws changed.

In this episode of Everything Estate Planning, Valerie Zammitti walks through six issues families should be thinking about in 2026, including aging parents, long-term-care costs, inherited IRAs, AI-driven scams, digital property and business succession.

You'll learn why:

• Being someone's child does not automatically give you legal authority to help them
• A $15 million federal estate-tax exemption does not make estate planning unnecessary
• An inherited IRA may come with a 10-year tax clock
• AI scams are becoming an incapacity-planning issue
• Passwords alone may not protect digital assets
• A business may survive its owner legally—but still fail operationally

We not trying to over-complicate things. The goal is to make sure your legal documents, assets, beneficiaries and trusted decision-makers still work together in the world you actually live in today.

Zammitti Law helps New York and New Jersey families create practical estate plans designed for clarity, protection and peace of mind.

Schedule a free consultation: YourPlanningAttorney.com

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🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#514 | Before You Trust the Experts: The 20-Question Test A license or impressive title does not automatically mean someone is the right professional for your family. In this episode, Valerie shares 20 questions that can help you evaluate an attorney, estate-planning attorney, financial advisor, CPA, tax professional or insurance professional...before you entrust them with important decisions.

Learn how to evaluate expertise, compensation, conflicts, communication, long-term support and whether your professionals are truly working together.

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🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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📱 FOLLOW & LISTEN

Instagram: Instagram

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Facebook: Facebook

LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#513 | Adding a Child to Your Deed: The Estate Planning Mistake That Can Cost a Fortune

Adding a child to your home's deed is one of the most common estate planning strategies—and one of the most misunderstood.

In this episode of Everything Estate Planning, Valerie Zammitti explores what really happens when you add someone to your deed, including how it affects ownership, taxes, creditor exposure, family disputes, and long-term planning. She also explains why a properly designed trust often provides greater flexibility and protection than simply adding a name to the title.

Whether you're planning ahead for your family or helping aging parents make important decisions, this episode provides practical education to help you avoid costly mistakes and make informed choices.

Learn more or schedule a complimentary consultation at YourPlanningAttorney.com.

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🌐 Learn More About Zammitti Law, PLLC Zammitti Law, PLLC

🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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📱 FOLLOW & LISTEN

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#512 | The Coverage Gap Hiding in Plain Sight

A trust. An LLC. An umbrella policy.

On paper, that can sound like protection.

But what happens when those pieces don't line up?

That's where families, property owners, business owners, and trustees can discover the most uncomfortable truth: protection is not just what you own. It's how everything connects.

In this episode, Valerie walks through the questions most people never think to ask—until someone else is asking them in a lawsuit.

Listen before you assume the plan is complete.

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🌐 Learn More About Zammitti Law, PLLC Zammitti Law, PLLC

🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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📱 FOLLOW & LISTEN

Instagram: Instagram

TikTok: TikTok

Facebook: Facebook

LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

Spotify: Spotify Podcast

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#511 | Filial Responsibility: Fact, Fiction, and What Actually Happens

One obscure area of state law continues to generate more questions than almost any estate planning topic we've covered.

Can adult children ever be responsible for a parent's care? Does being estranged matter? What happens if siblings disagree? Does living in another state change anything? And can politics really influence these laws?

In this episode, Valerie Zammitti breaks down the most frequently asked questions surrounding filial responsibility laws, separates internet myths from legal reality, and explains the practical risks families should actually be paying attention to.

If you've seen headlines about children paying for their parents' nursing home costs, this conversation will give you the context most people never hear.

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🌐 Learn More About Zammitti Law, PLLC Zammitti Law, PLLC

🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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📱 FOLLOW & LISTEN

Instagram: Instagram

TikTok: TikTok

Facebook: Facebook

LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#510 | What Happens to a Timeshare When You Die? Probate, Inheritance & Family Responsibility Timeshares can create unexpected challenges after death.

In this episode, Valerie Zammitti explores the questions families ask most often when a loved one leaves behind a timeshare, from probate and inheritance concerns to ownership responsibilities and difficult family decisions.

If your family owns a timeshare, this conversation may change how you think about estate planning.

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🌐 Learn More About Zammitti Law, PLLC Zammitti Law, PLLC

🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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📱 FOLLOW & LISTEN

Instagram: Instagram

TikTok: TikTok

Facebook: Facebook

LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

Spotify: Spotify Podcast

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#509 | The Dangers of AI Estate Planning "Advice"

Most people assume estate planning is about documents.

A will. A trust. A few signatures. Done.

But what if the real risks have nothing to do with the documents themselves?

What happens when one child becomes the caregiver while another is absent? When family relationships change? When beneficiary designations don't match the plan? When "equal" turns out to be anything but fair?

And where does AI fit into all of this?

In this episode, Valerie Zammitti explores the difference between knowing the law and applying the law.

You'll learn:

• Why some estate plans fail even when the documents are legally valid • The hidden dangers of DIY and template-based planning • Where AI can be incredibly useful—and where it falls short • Why human judgment still matters when families, emotions, money, and life circumstances collide

One of the most important ideas discussed: "A technically valid document can still create a terrible outcome."

This conversation isn't really about wills, trusts, or AI. It's about people.

Because the biggest estate planning failures are rarely caused by legal problems. They're usually caused by human problems.

Whether you're creating your own plan, caring for aging parents, raising children, managing a business, or simply trying to make life easier for the people you love, this episode may change the way you think about planning forever.

Listen now and decide for yourself: - Can technology replace legal knowledge? - Or is wisdom still the most valuable asset in the room?

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🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

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📱 FOLLOW & LISTEN

Instagram: Instagram

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LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#508 | Should Your Child Own Your House? The Answer Isn't What You Think.

For many families, the home is more than a building—it's years of sacrifice, memories, and financial security.

That's why decisions involving ownership, inheritance, probate, long-term care planning, and family transfers deserve careful consideration.

In this episode, Valerie Zammitti explores one of the most frequently discussed homeowner strategies and examines why the answer is often more complicated than people expect.

If you've ever wondered whether transferring a house during life is a good idea, this conversation will challenge assumptions and provide important questions every homeowner should ask before taking action.

Listen now and decide for yourself.

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🌐 Learn More About Zammitti Law, PLLC Zammitti Law, PLLC

🌐 Schedule a Consultation YourPlanningAttorney.com

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ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

━━━━━━━━━━━━━━━

📱 FOLLOW & LISTEN

Instagram: Instagram

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Facebook: Facebook

LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

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⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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#507 | How "Just a Will" Could Hurt Your Family

Most people assume having a will means their family is protected.

But many families discover too late that a will alone can still lead to court involvement, delays, frozen accounts, confusion, and unnecessary stress during one of the hardest moments of their lives.

In this episode, estate planning attorney Valerie Zammitti breaks down what actually happens in real life when someone passes away with: • No plan • A will only • A trust-based plan

This is not theory. This is what families actually experience.

If you want to better understand estate planning, probate, trusts, incapacity planning, asset protection, or how to avoid common planning mistakes, this episode is for you.

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🌐 Learn More About Zammitti Law, PLLC Zammitti Law, PLLC

🌐 Schedule a Consultation YourPlanningAttorney.com

━━━━━━━━━━━━━━━

ABOUT THE SHOW

Everything Estate Planning is a practical, real-world podcast focused on: ✔️ Estate Planning ✔️ Probate ✔️ Trusts & Asset Protection ✔️ Elder Law ✔️ Business & Family Protection Planning ✔️ Incapacity Planning ✔️ Real-Life Planning Mistakes Families Make Every Day

Our goal is simple: Help families create clarity, control, and peace of mind before a crisis happens.

Hosted by Valerie K. Zammitti of Zammitti Law, PLLC.

━━━━━━━━━━━━━━━

📱 FOLLOW & LISTEN

Instagram: Instagram

TikTok: TikTok

Facebook: Facebook

LinkedIn: LinkedIn

Apple Podcasts: Apple Podcasts

Spotify: Spotify Podcast

━━━━━━━━━━━━━━━

⚖️ DISCLAIMER

This podcast is for educational and informational purposes only and does not create an attorney-client relationship. Zammitti Law, PLLC practices law in New York and New Jersey only.

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