"This week, Heidi Olson sits down with her husband's Aunt Shirley and cousin Rock to celebrate Caregiver Awareness Month through a journey of family history, resilience, and gratitude. From stories of growing up in a 100-year-old farmhouse without running water to memories of music-filled evenings and multigenerational caregiving, this episode captures the heart of what it means to honor your roots. Together, they explore how faith, hard work, and togetherness have shaped the Olson family for generations — and why sharing those stories keeps legacies alive."

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In this follow-up episode, Heidi Olson and Attorney Valeska Hermanson continue their discussion to uncover the practical side of Medicaid planning — from eligibility traps to timing mistakes that could cost families their farms. They discuss what counts as a gift, why appraisals matter, how to protect assets without disqualifying yourself, and why starting early is the best move you can make. Whether you're planning for yourself or caring for aging parents, this episode helps you avoid the financial and emotional fallout of poor preparation. Contact information for Attorney, Valeska Hermanson [email protected] Website: HermansonLaw.net My Website: Pathfinderlegacy.com MINNESOTA LINKS: MN Attorney General: POA: MN Short Form Statutory Power of Attorney HCD: Health Care Directives MN Honoring Choices HCD (several languages): Health Care Directives - Honoring Choices NORTH DAKOTA LINKS ND Courts Self Help POA North Dakota Court System - Power of Attorney Advanced Care Planning of ND HCD Health Care Directives – Advanced Care Planning of North Dakota

👉 Policy Ownership & Beneficiary Map: https://pathfinderlegacy.com/wp-content/uploads/2025/09/Week-1-Worksheet-Farm-Policy-Inventory-and-Gap-Checker.pdf

👉 Get your Farm Family Business Meeting Template: https://pathfinderlegacy.com/

In this episode, Heidi Olson sits down with Attorney Valeska Hermanson to break down the basics of Medicaid and long-term care planning—what it is, why it matters, and where to start before a health crisis hits. From essential documents like power of attorney and healthcare directives to common misconceptions about asset protection, Heidi and Valeska share practical steps families can take now to avoid panic later. Whether you're caring for aging parents or planning ahead for yourself, this episode will help you protect both your legacy and your loved ones.

Contact information for Attorney, Valeska Hermanson: [email protected] Website: HermansonLaw.net My Website: Pathfinderlegacy.com MINNESOTA LINKS: MN Attorney General: POA: MN Short Form Statutory Power of Attorney HCD: Health Care Directives MN Honoring Choices HCD (several languages): Health Care Directives - Honoring Choices NORTH DAKOTA LINKS: ND Courts Self Help POA North Dakota Court System - Power of Attorney Advanced Care Planning of ND HCD Health Care Directives – Advanced Care Planning of North Dakota

In this special Halloween episode of the Pathfinder Legacy Podcast, Heidi Olson and her husband, Kirk, open up about the realities of farming as a couple — from communication breakdowns in the tractor cab to late-night bookkeeping at the kitchen table. They share stories, laughter, and lessons on what it really takes to run both a marriage and a farm together. Whether you're farming side by side or balancing business and family life, this episode reminds you that partnership is the best kind of crop insurance.

👉 Policy Ownership & Beneficiary Map: https://pathfinderlegacy.com/wp-content/uploads/2025/09/Week-1-Worksheet-Farm-Policy-Inventory-and-Gap-Checker.pdf 👉 Get your Farm Family Business Meeting Template: https://pathfinderlegacy.com/

When you sell the farm to family at a discount or over time, the paperwork matters more than the handshake. Host Heidi Olsen and attorney Brittany Faust (Neff Law) explain why you should get a real appraisal, file gift tax returns when selling below fair market value, and record/clean up title work so heirs aren't blindsided later. They cover IRS risks (imputed interest/income, penalties), how contracts for deed can spread capital gains and retirement income, deed-recording/escrow best practices, and the role of a CPA, attorney, and financial advisor in a clean transfer. If you want the land to stay in the family—and the family to stay intact—start by documenting everything.

👉 Policy Ownership & Beneficiary Map: https://pathfinderlegacy.com/wp-content/uploads/2025/09/Week-1-Worksheet-Farm-Policy-Inventory-and-Gap-Checker.pdf 👉 Get your Farm Family Business Meeting Template: https://pathfinderlegacy.com/

In this episode of the Pathfinder Legacy Podcast, host Heidi Olson sits down with attorney Brittany Foust of Neff Law to tackle one of the most complex challenges facing today's farm families — how to transfer land to the next generation without jeopardizing retirement, triggering unnecessary taxes, or losing control.

They unpack the differences between a buy-sell agreement and a contract for deed, why proper appraisals matter, and how overlooking key legal and tax details can lead to costly mistakes. Whether you're a retiring landowner or a successor preparing to take over, this episode is packed with real-world insights to help you transition your legacy the right way.

https://www.nefflawnd.com/

👉 Download Estate Planning Reflection Worksheet: https://pathfinderlegacy.com/resources/

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In this episode of the Pathfinder Legacy Podcast, Heidi Olson tackles one of the most painful and costly mistakes farm families make—dying without a plan. From real stories of families torn apart by probate battles to simple steps you can take today, Heidi explains why estate planning isn't about death—it's about direction. Learn what happens when you don't have a will, how to protect your land and legacy, and why even a handwritten plan is better than none at all.

👉 Download Estate Planning Reflection Worksheet: https://pathfinderlegacy.com/resources/

👉 Visit Pathfinder Legacy: https://pathfinderlegacy.com/

In this episode of Pathfinder Legacy, Heidi Olson sits down with Mackenzie Schroeder, who faced the unimaginable—losing both her dad and grandma within one week, neither with a will or estate plan in place. Mackenzie shares her raw experience of stepping up as a personal representative while grieving, the chaos of navigating assets, and the hard lessons she learned along the way. Their conversation highlights why estate planning is not just about money—it's about love, responsibility, and sparing your family from unnecessary stress.

👉 Download Estate Planning Reflection Worksheet: https://pathfinderlegacy.com/resources/

👉 Visit Pathfinder Legacy: https://pathfinderlegacy.com/

In this special mailbag episode of the Pathfinder Legacy Podcast, Heidi Olson tackles real-life scenarios from farm families and business owners. From equalizing heirs to handling sudden debt spikes, Heidi explains what works, what breaks, and how to avoid costly mistakes when it comes to life insurance, trusts, and succession planning. You'll learn how to align your policies with your plan, why liquidity matters, and the simple fixes that can save your farm from unnecessary stress. Policy Ownership & Beneficiary Map: https://pathfinderlegacy.com/wp-content/uploads/2025/09/Week-1-Worksheet-Farm-Policy-Inventory-and-Gap-Checker.pdf Get your Farm Family Business Meeting Template: https://pathfinderlegacy.com/

Life insurance isn't glamorous—but for farm families, it's the glue that holds everything together when life takes an unexpected turn. In this episode, Heidi Olson breaks down the essentials of policy ownership, beneficiary routing, and the real-world consequences of getting it wrong. Through practical examples and cautionary stories, you'll learn how to ensure life insurance dollars land in the right pocket, at the right time, for the right purpose—protecting both your operation and your family's future. Policy Ownership & Beneficiary Map: https://pathfinderlegacy.com/wp-content/uploads/2025/09/Week-1-Worksheet-Farm-Policy-Inventory-and-Gap-Checker.pdf Get your Farm Family Business Meeting Template: https://pathfinderlegacy.com/