If your child or loved one has special needs, how you leave them money matters. In this episode, Ken and Jeremy break down special needs trusts in plain English and why a direct inheritance can accidentally create problems with certain government benefits. They also cover practical, real world considerations like who should serve as trustee, when a corporate trustee can help, and why this planning step is often more affordable and manageable than most families expect. If you are over 50 and thinking through your family plan, this is a conversation worth hearing.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

If your child or loved one has special needs, how you leave them money matters. In this episode, Ken and Jeremy break down special needs trusts in plain English and why a direct inheritance can accidentally create problems with certain government benefits. They also cover practical, real world considerations like who should serve as trustee, when a corporate trustee can help, and why this planning step is often more affordable and manageable than most families expect. If you are over 50 and thinking through your family plan, this is a conversation worth hearing. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

If your child or loved one has special needs, how you leave them money matters. In this episode, Ken and Jeremy break down special needs trusts in plain English and why a direct inheritance can accidentally create problems with certain government benefits. They also cover practical, real world considerations like who should serve as trustee, when a corporate trustee can help, and why this planning step is often more affordable and manageable than most families expect. If you are over 50 and thinking through your family plan, this is a conversation worth hearing.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

How To Leave Money To A Disabled Child

Most people think “inheritance” means money, property, or accounts. In this episode, Ken Moraif and Jeremy Thornton share why the most valuable legacy you can leave your children and grandchildren is something far more lasting: your values, your morals, your life lessons, and your wisdom. If you’re over 50 and retired or retiring soon, this conversation will help you think differently about legacy and how to intentionally pass it forward, even in simple, practical ways. Visit rpoa.com to explore more retirement planning resources and upcoming events. Like, subscribe, and share this with someone who’s thinking about their legacy. 0:00 Intro and why this topic matters 0:52 The big misconception about “inheritance” 1:35 The #1 legacy: values, morals, and wisdom 3:05 Why money alone does not build a lasting legacy 4:18 Work ethic and character as the real “wealth” 6:12 Simple ways to pass down life lessons 8:02 Stories, family history, and documenting wisdom 10:08 Recording messages and preserving memories 12:28 Where to store and pass down digital memories 13:40 Wrap up and next steps RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

Most people think “inheritance” means money, property, or accounts. In this episode, Ken Moraif and Jeremy Thornton share why the most valuable legacy you can leave your children and grandchildren is something far more lasting: your values, your morals, your life lessons, and your wisdom. If you’re over 50 and retired or retiring soon, this conversation will help you think differently about legacy and how to intentionally pass it forward, even in simple, practical ways. Visit rpoa.com to explore more retirement planning resources and upcoming events. Like, subscribe, and share this with someone who’s thinking about their legacy. 0:00 Intro and why this topic matters 0:52 The big misconception about “inheritance” 1:35 The #1 legacy: values, morals, and wisdom 3:05 Why money alone does not build a lasting legacy 4:18 Work ethic and character as the real “wealth” 6:12 Simple ways to pass down life lessons 8:02 Stories, family history, and documenting wisdom 10:08 Recording messages and preserving memories 12:28 Where to store and pass down digital memories 13:40 Wrap up and next steps RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

Most people think “inheritance” means money, property, or accounts. In this episode, Ken Moraif and Jeremy Thornton share why the most valuable legacy you can leave your children and grandchildren is something far more lasting: your values, your morals, your life lessons, and your wisdom. If you’re over 50 and retired or retiring soon, this conversation will help you think differently about legacy and how to intentionally pass it forward, even in simple, practical ways. Visit rpoa.com to explore more retirement planning resources and upcoming events. Like, subscribe, and share this with someone who’s thinking about their legacy. 0:00 Intro and why this topic matters 0:52 The big misconception about “inheritance” 1:35 The #1 legacy: values, morals, and wisdom 3:05 Why money alone does not build a lasting legacy 4:18 Work ethic and character as the real “wealth” 6:12 Simple ways to pass down life lessons 8:02 Stories, family history, and documenting wisdom 10:08 Recording messages and preserving memories 12:28 Where to store and pass down digital memories 13:40 Wrap up and next steps RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

The Executor Vs The Trustee - What You Should Know

What’s the most important inheritance you can leave your kids and grandkids? Ken Moraif says it probably isn’t money, a house, or “stuff.” In this episode, Ken and Jeremy talk about the values, lessons, and life stories that actually shape future generations, plus a simple way to preserve them using the phone you already carry every day. If you’re over 50 and retired or retiring soon, check out more education and resources at rpoa.com. 00:00 The “most important inheritance” surprise 00:45 If it’s not money, what is it? 01:20 Values, morals, and life lessons as true legacy 02:20 Why “values” beat money long term 03:20 The simple phone method to preserve your story 04:25 “Sweep the corners” and the power of sayings 05:35 Why this matters across generations 06:20 Letters, recipes, and how families used to pass wisdom down 07:15 Imagine hearing from your great grandparents 08:10 Hardships, resilience, and why stories help most 09:15 What to do with the recording next 09:45 Wrap up and next topic tease: digital assets RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

What’s the most important inheritance you can leave your kids and grandkids? Ken Moraif says it probably isn’t money, a house, or “stuff.” In this episode, Ken and Jeremy talk about the values, lessons, and life stories that actually shape future generations, plus a simple way to preserve them using the phone you already carry every day. If you’re over 50 and retired or retiring soon, check out more education and resources at rpoa.com. 00:00 The “most important inheritance” surprise 00:45 If it’s not money, what is it? 01:20 Values, morals, and life lessons as true legacy 02:20 Why “values” beat money long term 03:20 The simple phone method to preserve your story 04:25 “Sweep the corners” and the power of sayings 05:35 Why this matters across generations 06:20 Letters, recipes, and how families used to pass wisdom down 07:15 Imagine hearing from your great grandparents 08:10 Hardships, resilience, and why stories help most 09:15 What to do with the recording next 09:45 Wrap up and next topic tease: digital assets RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

What’s the most important inheritance you can leave your kids and grandkids? Ken Moraif says it probably isn’t money, a house, or “stuff.” In this episode, Ken and Jeremy talk about the values, lessons, and life stories that actually shape future generations, plus a simple way to preserve them using the phone you already carry every day. If you’re over 50 and retired or retiring soon, check out more education and resources at rpoa.com. 00:00 The “most important inheritance” surprise 00:45 If it’s not money, what is it? 01:20 Values, morals, and life lessons as true legacy 02:20 Why “values” beat money long term 03:20 The simple phone method to preserve your story 04:25 “Sweep the corners” and the power of sayings 05:35 Why this matters across generations 06:20 Letters, recipes, and how families used to pass wisdom down 07:15 Imagine hearing from your great grandparents 08:10 Hardships, resilience, and why stories help most 09:15 What to do with the recording next 09:45 Wrap up and next topic tease: digital assets RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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