Make It Last with Victor Medina - Legal & Financial Retirement Planning

Ever wonder about COVID’s affect on retiree’s? This week Victor and Mark discuss how the 3 million Baby Boomer’s that retired in the past year have affect on the U.S. economy.

What is the sandwich generation? Similar to the meat in an actual sandwich, they’re stuck in the middle…in the middle of raising their kids and taking care of their parents that is.

Victor gives Gen X some serious retirement advice you won’t want to miss on this week’s episode of Make It Last…

For more information, please visit 920taxes.com

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot:  Welcome to “Make It Last” with Victor Medina, Medina Law Group and Palante Wealth. I’m Mark Elliott.

Victor and his teams focus on traditional estate planning, asset protection, retirement distribution, proactive income tax planning. He’s been featured on national television, The Wall Street Journal, The Huffington Post, U.S. News & World Report.

Here’s the deal, if you have any question about anything that we talked about today on the program, you’d like to learn more about, “Why I didn’t know that, I would like to learn more,” you can always call the team, (856) 506 8300.

Or you’re in that timeline of 5 to 10 years out from retirement, you’re like, ”Boy, there’s a lot of moving parts here. I don’t know what my income plan is. Where’s my income coming from? What about my investment strategy? Should I be tweaking that a little bit?

“What about taxes? Taxes go up, what should I be doing? How do I plan for that? What about estate planning? How do I put all this together?” That’s what Victor’s teams are here to help you with, (856) 506 8300.

Today, we’re going to talk a little bit out of the gate about financial literacy, and it’s not a surprising thing to me, Victor. Now, you said your parents were teachers, correct?

Victor Medina:  Correct.

Mark:  Any of them teach math, either one of them?

Victor:  Neither of them.

Mark:  My dad was a math teacher and I don’t really like math. My mom was an English teacher. I did spend one year teaching seventh and eighth grade English. Then my elective that I taught was a history class, like Zachary Taylor was so short, he had to be helped on his horse.

William Taft was the first president with electricity, and I believe the bathtub in the White House. I think he even threw out the first pitch in a major league game.

It was a fun‑filled show or fun‑filled class, if you will, but I’m not surprised that most Americans get a failing grade when it comes to retirement literacy.

This is according to the American College of financial services. They did a test. It was a 38 question quiz. 89 percent of female participants flunked, 72 percent of men failed the quiz.

This week on Make It Last Victor and Mark discuss the client experience at Medina Law Group and what to expect when you sit down with the team.

Then, Victor explains all of the reasons why it pays to keep an open mind when doing your legal and financial planning.

He also talks about the benefits of having an independent financial advisor.

To access additional information, please visit: Are You Paying Too Much In Taxes In Retirement?’ Free Guide

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcript Below

Mark Elliot:  Welcome to “Make It Last” with Victor Medina. I’m Mark Elliot. Victor’s got two companies, so we’re going to talk about both of those companies today on the program ‑‑ Medina Law Group and Palante Wealth.

Victor focuses on traditional estate planning, right? Medina Law Group. He works with Palante Wealth, asset protection, retirement distribution, proactive income tax planning.

Victor has been featured on national television, “Wall Street Journal,” “Hamilton Post,” “US News & World Report.” We are going into depth today. What is the client experience like?

If you want to have your estate planned ‑‑ you don’t really have an estate but you feel like your estate needs a plan…Really, it’s not just for the wealthy, we’ll talk about that today as well. You want to go in to sit down with Victor and the team at Medina Law Group, what’s that like? What’s that experience like?

Maybe you want to find out, “Hey, can I retire? Do I have enough? Will my money last? Will my loved ones be OK if something happens to me? Maybe that’s the Palante Wealth side, the holistic planning for your retirement side. What happens if you go in and sit down with them? What’s it like, what is the experience like?”

Victor, right out of the gate, I’m going to guess this isn’t like going to the dentist and having a root canal. Right?

Victor Medina:  No.

[laughter]

Victor:  No, not at all. The thing about it is that most people don’t think about contacting their lawyer, contacting their financial advisors, side of like the thing that they want to do for fun and enjoyment. Understanding that we focus on in the client experience of shifting that around.

When you’re thinking about scripting that client experience so that people feel welcomed, and they’re put at ease from the moment they contact us to the moment that they walk into the office, the moment that their plan is complete.

That every moment of that drifts things through their eyes to make sure that they’re feeling comfortable and welcomed, understood, and cared for all along the way. The biggest source of pride that we get, when clients reflect back on what their experience is like, just how they were treated like family all the way through.

They would think, “This is what I would hope that my child w...

This week on Make It Last Victor and Mark discuss different factors to consider when mapping out your road to retirement.

Potholes in retirement- what are the things you can’t see coming/can’t avoid and how do you plan around them?

Utilizing the right navigation system- how an experienced attorney acts like a personal GPS.

What are some guardrails that you can put on your retirement plan to make sure you feel safe and confident?

Find all of this and more on this week’s episode of Make It Last.

To access additional information, please visit: Are You Paying Too Much In Taxes In Retirement?’ Free Guide

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot:  Welcome to “Make It Last” with Victor Medina. I’m Mark Elliot. Now, Victor has two companies, the Medina Law Group and Palante Wealth. Medina Law Group started back in 2006. You can find out more on our website, medinalawgroup.com.

Palante Wealth came from the clients of Medina Law Group, going, “How can Make It can help us with all of our retirement stuff?” Hence, Palante Wealth came to be in 2014 palantewealth.com, P‑A‑L‑A‑N‑T‑E, palantewealth.com. Victor also is the author of three books on retirement planning under his acclaimed Make It Last series.

He’s been featured on national television, “The Wall Street Journal,” “The Huffington Post,” “US News & World Report.” Look, Victor’s probably going to say some things today that you’re like, “Wow, I didn’t know that. I’d like to learn more.” Or, “Wait, I don’t have a retirement plan. I don’t know how to build my financial house. What do I do? How do I come up with some help in this area?”

It’s easy. You just call the team, 856‑506‑8300. There’s no cost, there’s no obligation. There’s no pressure, there’s no judgement, 856‑506‑8300. Glad you’re with us today.

Victor, there’s a lot of moving parts when it comes to retirement. Most of us think about our investments, that’s our retirement world. One of the things is a cool kind of analogy, is to compare our retirement planning with building our home.

We’re going to build a financial house today on the program. I know you told your kids the story. “The Fairy Tale,” “The Three Little Pigs,” and “The Big Bad Wolf,” right?

Victor Medina:  Yeah. I bet they knew it.

Mark:  Back in the day. The wolf would huff and puff and blow every house down, except for the last one. It was made of…What was it made of?

Victor:  Brick.

Mark:  We had a straw.

Victor:  What else did we have? We had sticks. Then, we had brick.

Mark:  Then, we had the red brick. Exactly. The brick house, the wolf couldn’t blow it down, because it was strong. That’s what we’re talking about today....

This week on Make It Last, Victor explains the difference between an elder law attorney and a general law attorney.

Then, Victor talks about all of the documentation you need in order to have a sustainable retirement plan.

Find out why it’s important that you establish a plan before taxes (potentially) go up in 2026.

To access additional information, please visit:

‘Will Your Money Last As Long As You Do?’ Free Guide

‘Are You Paying Too Much In Taxes In Retirement?’ Free Guide

‘Don’t Let a Health Crisis Threaten Your Retirement’ Elder Law Free Guide

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot:  Welcome to “Make it Last” with Victor Medina, I’m Mark Elliot. Glad you’re with us today. Victor’s got two companies that are here to help you regardless of which area you need? You need some “Elder‑law advice”. We’re going to talk “Elder Law” on the program today.

What is the difference between Elder Law and a general law person, a general lawyer? We’re going into a lot of things, what about all the documents you need for retirement in that world of Elder Law and Certified Elder Law Attorneys that Victor is. We’re going to talk about that in segments two and three. We’re going to get a lot of stuff in today on the program as we always do.

Of course, Victor has “Medina Law Group” and “Palante Wealth”, which is your holistic planning company for your retirement when you talk about income, investments, taxes, “How do we handle all of that going forward into retirement?” The estate planning is a part of that holistic planning for your retirement and as practicing at estate planning at Certified Elder Law Attorney, Victor and the team are ready to help you.

You can always go to the websites to find out more, medinalawgroup.com. M‑E‑D‑I‑N‑A, medinalawgroup.com, Palante Wealth, P‑A‑L‑A‑N‑T‑E, palantewealth.com. There’s a lot of options for you.

The easiest thing might just be to call if you have questions, 856‑506‑8300. No cost, no‑obligation, no pressure for this. The team’s here to help. Just don’t know if they can, until they hear your situation, 856‑506‑8300.

We’re going to kick off today’s program because it’s one of those things that we all remember, where we were on 9/11. Do you remember this? Here’s George W. Bush. You remember him standing on the big pile of rubble talking to the workers, the searchers?

President George W. Bush:  I can hear you. The rest of the world hears you.

[applause]

President Bush:  The people who knocked these buildings down will hear all of us soon.

[applause]

This week on Make It Last Victor and Mark discuss how the Biden Administration’s plans to make tax changes within the estate planning world, and how it could affect you if you fail to make your own plan.

Then, Victor talks about the importance of maintaining your mental health in retirement, and finding your purpose outside of your career.

Finally, buckle-up for a trip back to 1990! Victor and Mark will make some significant financial/retirement comparisons between then and now.

920taxes.com

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot:  Welcome to “Make it Last,” with Victor Medina. I’m Mark Elliott. Victor has two companies to help you and whatever needs you may have. Medina Law Group, which obviously can help you with estate planning, legacy planning, the elder law attorney type stuff, the powers of attorney, healthcare, finances, they’re just a lot of moving parts.

Certainly with the Biden administration talking about maybe changing taxes in the estate planning world, the legacy world, it’s important to have your own plan so that it’s not dictated what you can leave to your family and how you do it and not letting Washington dictate all of that, but you’d certainly have to follow the laws, that’s for sure.

Medina Law Group is here to help you with all of that. The estate planning, legacy planning. Then, there’s Palante Wealth. Palante Wealth is about holistic planning for your retirement. Victor is a certified financial planner as well as a certified elder law attorney, registered investment advisor. Palante Wealth is here to help you come up with that plan for your retirement, the income strategies, investment strategies, taxes, estate, all of that.

If you have any questions about where you are on your road to retirement, you’d like to chat with the team there’s no cost it’s 856‑506‑8300, no cost, no obligation for this. The team’s here to help, just don’t know if they can until they hear your situation. 856‑506‑8300.

You can find out more about Medina Law Group by going to the medinalawgroup.com, M‑E‑D‑I‑N‑A, medinalawgroup.com. On the retirement planning side, it’s palantewealth.com, P‑A‑L‑A‑N‑T‑E, palantewealth.com. I do want to tell you and your wife, Jennifer, the school psychologist, happy anniversary, 20 years, congratulations.

Victor Medina:  Thank you very much. We got a chance to get away. We were in ‑‑ I know that people are going to feel bad for me ‑‑ but we were in Hawaii. I will tell you this’ my first time there. It was everything everyone said it was supposed to be. We had a great time. We visited three islands.

We got the opportunity to say, “Well listen, if this is where we are after 20 years, where are we going to be 20 years from now?” Then we did the math. We said, “Well, let’s make sure we’re still mobile at...

This week on Make It Last Victor and Mark give you a little insight into who Victor is and how he got to where he is now.

Then, Victor and Mark go on to discuss Social Security and how it is, in essence, the corner stone of your retirement plan.

Finally, the guys wrap up the show with a fun game of “Would You Rather?”

920income.com

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot: Maybe you’ve heard Victor’s radio show before. You’ve heard him but have you seen him? Victor, you’re probably on billboards all over the New Jersey and Pennsylvania areas, right? New York City, you’re there. Time Square.

Victor Medina: I think today’s billboards are probably going to be on my YouTube channel. I think that’s the only thing that anyone is staring at these days. I don’t know anybody that’s looking at billboards any longer.

Mark: I will say though, that people might have seen you as the local director of the a cappella group.

Victor: Oh my goodness, you didn’t warn me that you were going to embarrass me this way off of it. Yeah, one of the things that I do for fun is I’m the musical director of local a cappella group, which is great because I will tell you, what we do for fun is every Wednesday, we start singing at 7:30 at somebody’s house in the area.

Everyone’s from general Mercer county, New Jersey area, so we meet at somebody’s house at 7:30. We sing from 7:30 to 10:00 and then we drink wine and eat cheese until we get kicked out of that person’s house from 10 o’clock on. It’s really a cover for being able to hang out with some great people and I just have the privilege of leading talented musicians. A lot of fun.

Mark: I will tell you, one of my favorite movies of all time, and there’s like three of them, “Pitch Perfect,” Anna Kendrick. That’s what you do…

Victor: …the musical director that was on it, this guy named Deke Sharon, who actually went to my college New England Conservatory of Music and somebody that I knew personally. He’s somebody that’s sent arrangements to my a cappella group called, “Jersey Transit,” which is a cool connection that that music made it to Hollywood movie level.

They had TV shows called “The Sing-Off.” It’s cool to watch somebody that I went to college with turn that into something that’s almost mainstream accepted.

Mark: Yeah, absolutely. Well, that’s cool. That’s what we’re going to talk about. We’re going to get to know Victor a little bit because I think it’s important that we do a radio show. We’re talking about retirement, we’re talking about some of the challenges, some of the what ifs.

What if this happens? What if that happens? How are we going to handle it?

This week on Make It Last, Mark and Victor discuss financial literacy and how the education system has failed in teaching it.

Then, Victor goes on to discuss the challenges behind guiding his clients through their estate planning and the three stages of life -the Go-Go Years, the Slow-Go years, and the No-Go years.

Did your parents leave you stuff you didn’t want after they passed? Victor and Mark discuss all of the stuff they would put in their “Keep” and “Throw-Away” piles.

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot:  Welcome to “Make It Last” with Victor Media of Medina Law Group and Palante Wealth. I’m Mark Elliot. Victor and his teams focus on traditional estate planning, asset protection, retirement distribution, proactive income, tax planning.

Here’s the deal. If you have questions about anything that we talked about today on the program, you’d like to learn more about, “Well, I didn’t know that. I would like to learn more.” You can always call the team. 856‑506‑8300.

Or, you’re in that timeline of five to 10 years out from retirement and you’re like, “Oh, there’s a lot of moving parts. I think, you know, I don’t know what my income plan is. Where’s my income coming from?”

“What about my investment strategy? Should I be tweaking that a little bit? What about taxes? Taxes go up. What should I be doing? How do I plan for that. What about estate planning? How do I put to all these together?”

That’s what Victor’s teams are here to help you with, 856‑506‑8300. Today, we’re going to talk a little bit out of the gate about financial literacy. It’s not a surprising thing to me, Victor, you said your parents were teachers, correct?

Victor Medina:  Correct.

Mark:  Any of them teach Math, either one of them?

Victor:  Neither of them.

Mark:  My dad was a Math teacher, and I don’t really like Math. My mom was an English teacher, and I did spend one year teaching seventh and eighth grade English.

Then my elective that I taught was a History class, like Zachary Taylor was so short, he had to be helped on his horse. William Taft was the first president with electricity, and I believe a bathtub in the White House. I think he even threw out the first pitch in a major league game.

It was a fun‑filled show or fun‑filled class, if you will, but I’m not surprised that most Americans get a failing grade when it comes to retirement literacy. This is according to The American College of Financial Services.

They did a test, it was a 38 question quiz. 89 percent of female participants flunked, 72 percent of men failed the quiz. The challenges in school and I had a business math class or something, I had general math class or whatever. I wasn’t the calculus person, so I didn’t go into the really deep, deep math classes.

To me, Victor,

This week Victor and Mark discuss the client experience at Medina Law Group & Palante Wealth, and what we can provide to you!

Then, Victor gives a heartwarming narrative about his employees who make Medina Law Group & Palante Wealth Advisors feel like family.

Finally, Victor gives us more info about how he can help you clean out your financial junk drawer and get your legal ducks in a row.

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

Full Transcription Below

Mark Elliot: Welcome to "Make It Last" with Victor Medina, I'm Mark Elliott. Victor's got two companies. We're going to talk about both of those companies today on the program, Medina Law Group, and Palante Wealth.

Victor focuses on traditional estate planning, Medina Law Group. He works on, with Palante Wealth, asset protection, retirement distribution, proactive income tax planning. Now, Victor has been featured on national television, "The Wall Street Journal," "The Huffington Post," "U.S. News and World Report".

We're going to go into depth today. What is the client experience like? if you want to have your estate plan, you don't really have an estate but you feel like your estate needs a plan, and not just for the wealthy. We'll talk about that today as well.

You want to go sit down with Victor, and the team in the Medina Law Group. What's that Like? What's that experience like? Hey, maybe you want to find out, "Hey, can I retire? Do I have enough? Will my money last? Will my loved ones be OK if something happens to me?"

Maybe that's the Palante Wealth side. The holistic planning for your retirement side. What happens if you go in and sit down with them? What's it like? What is the experience like? Now, Victor. Right out of the gate I'm going to guess this isn't like going to the dentist and having a root canal, right?

Victor Medina: No. Not at all.

Mark: [laughs]

Victor: The thing about it is that most people don't think about contacting their lawyer, contacting their financial advisor. It's the thing that they want to do for fun and enjoyment, and understanding that. We're focused in the client experience of shifting that around. When you're thinking about scripting that client experience so that people feel welcome and they're put at ease.

From the moment they contact us, the moment they walk into the office, and the moment their plan is complete. That every moment of that is seen through their eyes to make sure that they're feeling comfortable and welcomed, understood, and cared for all along the way.

The biggest source of pride that we get when clients reflect back on what their experience is like is how they were treated like family all the way through. They would think, "Hey, this is what I would hope that my child would have done for me if they were an estate planner or a financial advisor for what they were doing."

The very beginning part of that reaching out to us and making sure that you...

On this week’s episode of Make It Last Victor & Mark give us a special “Part 2” to Episode 133 “Building Your Financial House.”

You already have the foundation, but what’s a house without walls and a roof? Victor gives you all the materials you need to make sure the Big Bad Wolf doesn’t blow your house down.

Then, Victor answers real questions from people off the street!

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.

For more information, visit Medina Law Group or Palante Wealth Advisors.

This week Mark and Victor discuss how much money you need for retirement and how to make sure it will last.

Go to 920taxes.com for the free guide: “Are You Paying Too Much In Taxes In Retirement?”

Then, they will dive into what tools you need your retirement tool kit and an exciting game of “Would You Rather?”

Also available on Spotify, Apple Podcasts, & Google Podcasts

Make It Last with Victor Medina is hosted by Victor J. Medina, an estate planning and Certified Elder Law Attorney (CELA) and Certified Financial Planner professional (CFP). Through his law firm and independent registered investment advisory company, Victor provides 360º Wealth Protection Strategies for individuals in or nearing retirement.