#404 | When Transfer of Death (TOD) Deed is Not Available in Your State ### 𝗗𝗼𝗻'𝘁 𝗟𝗲𝘁 𝗣𝗿𝗼𝗯𝗮𝘁𝗲 𝗛𝗼𝗹𝗱 𝗨𝗽 𝗬𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 Concerned about your home getting tied up in probate? Not all states offer a Transfer on Death (TOD) Deed, (which we rarely suggest anyway) but there's a practical solution that can give you and your family more control and less stress now and in the future. Listen to this quick breakdown on how you can still pass your home smoothly and securely… even without a TOD Deed. ➡️ Click to watch. Then share it with someone who needs to hear this.

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

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#403 | Debt After Death - What Every Spouse Should Know

💳𝗗𝗲𝗯𝘁 𝗔𝗳𝘁𝗲𝗿 𝗗𝗲𝗮𝘁𝗵: 𝗪𝗵𝗮𝘁 𝗦𝘂𝗿𝘃𝗶𝘃𝗶𝗻𝗴 𝗦𝗽𝗼𝘂𝘀𝗲𝘀 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗞𝗻𝗼𝘄

💡 Think you're automatically off the hook when your spouse passes away? Think again. Navigating credit card debt after the death of a spouse isn't always straightforward. The rules can vary based on your involvement with the account, state regulations, and the nature of the charges. In this short but important video, we uncover the surprising exceptions that could leave you legally or financially tangled—even if your name wasn't on the card.

Listen 𝗻𝗼𝘄 𝘁𝗼 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗰𝗹𝗮𝗿𝗶𝘁𝘆 𝘆𝗼𝘂 𝗱𝗲𝘀𝗲𝗿𝘃𝗲 𝗮𝗻𝗱 𝗮𝘃𝗼𝗶𝗱 𝗺𝗶𝘀𝘀𝘁𝗲𝗽𝘀 𝗱𝘂𝗿𝗶𝗻𝗴 𝗮𝗻 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗱𝗶𝗳𝗳𝗶𝗰𝘂𝗹𝘁 𝘁𝗶𝗺𝗲.

It could save you (or someone you love) serious stress down the road.

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

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#402 | "One Today is Worth Two Tomorrows" - Benjamin Franklin

𝗣𝗮𝘂𝘀𝗲. 𝗕𝗿𝗲𝗮𝘁𝗵𝗲. 𝗔𝗻𝗱 𝗧𝗿𝘂𝗹𝘆 𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝗧𝗵𝗶𝘀:

In a world constantly pulling us into the next thing—next task, next goal, next worry—what if the real value lies in this moment? This evening, I pulled a quote from an old favorite book off my shelf and shared a quick reflection.

It's a personal take, but it might just resonate with you too—especially if you're the type who finds yourself juggling a million tomorrows.

👉 Take two minutes. Listene to the clip. Ground yourself in today.

(𝘈𝘯𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘧𝘪𝘯𝘥 𝘪𝘵 𝘩𝘦𝘭𝘱𝘧𝘶𝘭, 𝘱𝘢𝘴𝘴 𝘪𝘵 𝘰𝘯. 𝘠𝘰𝘶 𝘯𝘦𝘷𝘦𝘳 𝘬𝘯𝘰𝘸 𝘸𝘩𝘰 𝘯𝘦𝘦𝘥𝘴 𝘵𝘰 𝘩𝘦𝘢𝘳 𝘪𝘵.)

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

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#401 | When NOT to Use a Trust

💡 𝗧𝗵𝗶𝗻𝗸 𝗮𝗹𝗹 𝗲𝘀𝘁𝗮𝘁𝗲 𝗽𝗹𝗮𝗻𝘀 𝗻𝗲𝗲𝗱 𝗮 𝘁𝗿𝘂𝘀𝘁? 𝗧𝗵𝗶𝗻𝗸 𝗮𝗴𝗮𝗶𝗻.

Sometimes, the best plan is the simpler one. And yes, even a seasoned estate planning attorney will tell you that a trust isn't always the right answer. Whether you're embarking on your estate planning journey, navigating a significant life change, or uncertain about the best course of action — this is a must-watch.

👉 Discover when not to use a trust — and why that might actually protect your time, money, and peace of mind.

🎥 Watch now and learn how to choose the right estate plan for your life stage.

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If you want to talk more about anything estate planning, elder law or probate related:

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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#400 |💡 𝗔 𝗧𝗿𝘂𝘀𝘁 𝗗𝗼𝗲𝘀𝗻'𝘁 𝗦𝗵𝗶𝗲𝗹𝗱 𝗬𝗼𝘂 𝗙𝗿𝗼𝗺 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 When selling a home held in trust, tax implications can catch families off guard—especially if you're assuming the trust structure does all the heavy lifting. 👀 In this quick but essential episode, we break down: - When capital gains tax applies - Crucial details in grantor trusts - Common misconceptions about replacing a home - A strategy to potentially delay the tax impact—when it fits your situation ⚠️ Planning to sell real estate held in trust? Ensure you understand the full picture before proceeding. 🎥 Listen now to avoid costly surprises.

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If you want to talk more about anything estate planning, elder law or probate related:

https://zammittilaw.com

http://yourplanningattorney.com

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

--

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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#399 | Trusts: Not Just for the Wealthy

🔔 Quick Reality Check: If something happened to you today, would your loved ones face a smooth transition… or a legal headache?

Too often, people assume that if they have "just a will" or "not much saved," they don't need a trust. But the truth might surprise you.

Whether you've built a small nest egg or just started planning ahead, the structure you choose now could determine how much time, money, and stress your family deals with later.

Take a quick listen to learn why a trust might be worth considering — even if your estate isn't massive.

👉 Listen now and protect your peace of mind.

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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#398 | Do This Before, During & After You Plan!

##You did the hard part—you made a plan.

But here's the question no one wants to answer: If something happened tonight, 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗸𝗻𝗼𝘄 𝘄𝗵𝗲𝗿𝗲 𝘁𝗼 𝗳𝗶𝗻𝗱 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴?

Wills, trusts, insurance documents, deeds, business records—if these crucial elements are scattered, unclear, or missing, even the best estate plans can become chaotic.

𝗢𝗿𝗴𝗮𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻 𝗮𝗳𝘁𝗲𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝘀𝗻'𝘁 𝗮 𝗻𝗶𝗰𝗲-𝘁𝗼-𝗵𝗮𝘃𝗲. 𝗜𝘁'𝘀 𝗮 𝗺𝘂𝘀𝘁.

Watch this quick video for a few simple, powerful ways to give your loved ones clarity, not confusion.

✅ Easy tips ✅ Real-world examples ✅ One smart tool to start using today

Listen now—and give your family the peace of mind they deserve.

𝘗𝘙𝘖 𝘛𝘐𝘗: 𝘖𝘳𝘨𝘢𝘯𝘪𝘻𝘪𝘯𝘨 𝘉𝘌𝘍𝘖𝘙𝘌 𝘺𝘰𝘶 𝘱𝘭𝘢𝘯, 𝘸𝘪𝘭𝘭 𝘮𝘢𝘬𝘦 𝘺𝘰𝘶𝘳 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘦𝘷𝘦𝘯 𝘦𝘢𝘴𝘪𝘦𝘳!

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If you want to talk more about anything estate planning, elder law or probate related:

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http://yourplanningattorney.com

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

--

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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#397 | ⚠️ Your Home. Your Legacy. Someone Else's Paycheck?

Homeowners with a trust—Avoid This Critical Trustee Mistake!

Imagine this: The very person you entrusted to protect your home quietly profits after you're gone, leaving your family blindsided. It sounds unreal, but this is a real situation that recently crossed my desk, and I couldn't stay silent.

If you or someone you love has an irrevocable trust—especially one with a professional named as trustee—this is must-see information.

🎥 Watch this video now to find out what crucial elements you need to review in your trust before it's too late.

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http://yourplanningattorney.com

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

--

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Instagram = https://www.instagram.com/zammittilaw/

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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#396 | Inheritance Tax Secrets Every Family Should Know 𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅: 𝗡𝗼𝘁 𝗔𝗹𝗹 𝗛𝗲𝗶𝗿𝘀 𝗔𝗿𝗲 𝗖𝗿𝗲𝗮𝘁𝗲𝗱 𝗘𝗾𝘂𝗮𝗹

💭 Think your family is in the clear when it comes to inheritance tax? Think again.

Even if you don't possess substantial wealth, your location and the nature of your beneficiaries can significantly impact what gets passed on and what gets taxed.

🎥 In this video we share key insights every New Yorker and New Jerseyan should hear — especially if your beneficiaries include anyone outside your immediate family.

👉 Don't assume you're automatically protected. Watch this to potentially save your loved ones considerable money and stress.

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We're here to help you learn more! Please comment and let us know if you found this additional knowledge useful to you…and plus, it would be awesome if you would SUBSCRIBE too! It would mean a lot to us. 😊

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If you want to talk more about anything estate planning, elder law or probate related:

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http://yourplanningattorney.com

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

--

Facebook = https://www.facebook.com/zammittilaw

Instagram = https://www.instagram.com/zammittilaw/

TikTok = https://www.tiktok.com/@everythingestateplanning

YouTube = https://www.youtube.com/channel/UC4qXqymg6T_Ha_QzALXgcbQ

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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#395 | 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗕𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝗶𝗲𝘀: What is Taking So Long? It should be simple. 𝗬𝗼𝘂'𝗿𝗲 𝗮 𝗯𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝘆—you're supposed to receive something, right? So 𝘄𝗵𝘆 𝗰𝗮𝗻 𝗶𝘁 𝗳𝗲𝗲𝗹 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂'𝗿𝗲 𝘀𝘁𝘂𝗰𝗸 waiting, worrying, and wondering what's going on?" Whether you've been named in a will or anticipate an inheritance in the future, our short video might surprise you. 👉 Watch now to learn what no one tells you about the real experience of being a beneficiary—and discover ways to simplify the process for your loved ones. #EverythingEstatePlanning #ZammittiLaw #EstatePlanning #Beneficiaries #ProbateReality #Trusts #InheritanceInsights #PlanAhead #PeaceOfMind

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If you want to talk more about anything estate planning, elder law or probate related:

https://zammittilaw.com

http://yourplanningattorney.com

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We provide PEACE OF MIND to families through estate planning, elder law and probate matters.

Our firm rests on three core pillars:

1. Family protection

1. Simplicity and efficiency for our clients

1. Minimizing taxes and spend down of your hard-earned assets

If you need assistance with estate planning, elder law, or probate matters, we are happy to speak with you. Valerie K. Zammitti is the owner at Zammitti Law, PLLC. She started her firm with one goal – to help individuals and families protect themselves, their loved ones, and their hard-earned assets thereby finding PEACE OF MIND!

Our informational videos and podcasts will cover topics on revocable living trusts, irrevocable trusts, wills, trusts, incapacity planning, power of attorney, health proxy, living will, asset protect trusts, minimizing tax liabilities, elder law, probate, among many other related topics.

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LinkedIn = https://www.linkedin.com/in/valerie-k-zammitti-jd-mba-llm-2b593821?original_referer=https%3A%2F%2Fwww.google.com%2F

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This podcast is intended for educational purposes only and does not create an attorney-client relationship.

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