The Confident Retirement

“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations”

In this podcast episode, Kris Flammang talks with guest Michele Diglio-Benkiran. Michele is a seasoned attorney with a strong background in business law and over two decades of experience. Growing up in an entrepreneurial family and owning her own businesses, she has developed a unique perspective on the importance of personalized legal advice in business law.

Kris and Michele discuss Michele’s belief that generic forms from online platforms like LegalZoom often lack state-specific provisions and may not adequately protect the interests of businesses. Michele emphasizes the importance of hiring an attorney with experience in both business law and practicalities, as this combination allows for a more holistic approach to assisting clients. She also advises businesses to invest in proper legal setup to avoid future legal complications and litigation.

The episode also touches on the often-overlooked aspect of continuity planning in business. Many business owners fail to consider what would happen if the owners or key individuals were to pass away or become disabled. Diglio-Benkiran stresses the importance of addressing this issue and having a plan in place. Whether it involves learning all aspects of the business or hiring someone else, having a continuity plan can prevent a crisis situation and ensure the business can continue to operate smoothly.

While technology, particularly artificial intelligence (AI), is rapidly advancing in various industries, including law, Michele and Kris discuss the limitations of AI in providing personalized legal advice. While AI can provide information and knowledge, it lacks the wisdom and human touch required to understand individual circumstances and provide tailored legal protection. This highlights the irreplaceable value of human attorneys who can apply their expertise and experience to each unique situation.

Looking ahead, Michele expresses her goal of helping people and assisting them in growing their businesses. She emphasizes the importance of engaging with clients who share the same values and objectives. However, she also acknowledges the challenges that AI technology may pose to the legal profession in the future. The impact of AI on the legal field remains uncertain, but it is a topic that legal professionals need to monitor closely.

Join Kris Flammang and Michele Diglio-Benkiran on this episode of The Confident Retirement podcast to learn more about why there’s no substitute for the right business attorney.

Here is what to expect on this week’s show:

•  The importance of personalized legal advice

•  Avoiding generic legal templates

•  Continuity planning

•  AI’s limitation in providing personalized legal advice

•  The importance of mentorship

Connect with Michele Diglio-Benkiran:

https://legalcounselpa.com/attorneys/michele-diglio-benkiran/

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations”

In this podcast episode, Marco Brown gives a presentation as part of LPF’s Divorce Summit. Marco Brown, owner of the Brown Family Law Firm in Salt Lake City, Utah, is a seasoned expert in family law and has helped countless individuals navigate through divorce. His perspective on improving financial stability in the divorce industry is rooted in his belief that professionals should change their mindset about money and implement a system to ensure they are fully compensated for their work. Drawing from his extensive experience, Marco emphasizes the importance of financial stability, criticizing traditional teachings that prioritize pro bono work over financial success. He suggests that professionals should prioritize their own financial well-being to provide for their families and teams, and advocates for setting rules and boundaries to maintain financial stability.

Join Marco Brown on this episode of The Confident Retirement podcast as they delve deeper into financial stability after a divorce.

Here is what to expect on this week’s show:

•  Shifting the mindset about money

•  Seven steps to financial stability

•  Specialization and its effect on earnings

•  Firing the worst clients

•  Tradeoffs and challenges

Connect with Marco Brown:

https://www.brownfamilylaw.com/

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations”

In this podcast episode, Renee Decker gives a presentation as part of LPF’s Divorce Summit. Renee Decker is a seasoned lawyer with a specialization in estate planning, serving as a reliable advisor to families during difficult times. Renee's passion for this field was ignited by witnessing the unfortunate outcomes of inadequate planning, especially in cases where minor children lost their inheritance due to the lack of a proper plan. She underscores the significance of post-divorce planning, guiding clients to update beneficiary designations, select temporary guardians for their children, and ensure their assets can be accessed by their family members in the event of their passing. Renee's perspective emphasizes the comprehensive and personalized approach needed for estate and incapacity planning for divorce clients, highlighting the importance of considering the beneficiaries and guardians for minor children in the absence of a spouse, and the need to plan for incapacity.

Join Renee Decker on this episode of The Confident Retirement podcast as they delve deeper into estate and incapacity planning after divorce.

Here is what to expect on this week’s show:

Connect with Renee Decker:

https://deckerlegacy.com/renee-decker/

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations”

In this episode of "The Confident Retirement" podcast, host Kris Flammang discusses key financial considerations in divorce, emphasizing the importance of avoiding common mistakes. Topics covered include joint debt responsibilities, tax implications, updating legal documents, retirement planning, and college financial aid changes. Seeking professional advice is vital for making informed decisions and ensuring a fair and secure financial outcome during divorce.

Divorce requires meticulous financial consideration. Rushing decisions, neglecting professional advice, and making short-term choices can lead to costly errors. Understanding shared debt obligations, tax implications, and long-term planning are all essential aspects of a successful divorce process. Seeking professional guidance ensures a fair and financially secure outcome

Join Kris Flammang on this episode of The Confident Retirement podcast as he shares his insights and strategies for avoiding the common financial pitfalls of divorce proceedings.

Here is what to expect on this week’s show:

•  The importance of avoiding hasty decisions

•  Understanding joint debt obligations

•  Considering tax implications

•  Updating legal documents and beneficiary designations

•  Planning for the future

Connect with Kris Flammang:

https://www.lpfadvisors.com/team/kristopher-flammang

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations”

On today’s episode of The Confident Retirement podcast, financial expert Kris Flammang shares his comprehensive approach to financial recovery and empowerment post-divorce. Flammang's method centers on resilience, adaptation, and aligning financial decisions with personal values. He begins by addressing emotional scars and detrimental financial habits that may linger from the marriage, helping individuals recognize and change these patterns to enable personal growth and financial control. Flammang believes that regaining control over finances can provide stability and purpose during a challenging time, achieved by setting both short and long-term financial goals tailored to individual needs and interests.

Moreover, Flammang underscores the importance of discovering personal values during this process, ensuring that financial decisions align with one's priorities and aspirations. To bolster financial literacy, he tailors his guidance to accommodate varying levels of interest and comprehension. Recognizing that tradeoffs are unavoidable in financial recovery, Flammang encourages individuals to make decisions based on their personal values, which can help maintain motivation and commitment to their financial goals. Lastly, he highlights the significance of updating estate documents post-divorce to accurately reflect individuals' wishes and ensure the proper distribution of assets to future generations. In essence, Kris Flammang's holistic approach equips individuals with the tools and mindset needed to regain control over their finances, fostering confidence and independence as they embark on the next phase of their lives.

Join Kris Flammang on this episode of The Confident Retirement podcast as he shares his insights and strategies for financial recovery and empowerment post-divorce.

Here is what to expect on this week’s show:

•  Addressing emotional and financial scars

•  Regaining financial control

•  Values-driven approach

•  Financial literacy

•  Tradeoffs and estate planning

Connect with Kris Flammang:

https://www.lpfadvisors.com/team/kristopher-flammang

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations”

In this podcast episode, Kris Flammang talks with guest Emanuel Galimidi. Emanuel is a dedicated personal injury advocate with a unique background in defense law, having spent over a decade defending insurance companies and manufacturers. Galimidi Law was founded on the idea that everyone should have access to the same level of representation that insurance companies and other large corporations enjoy. After having been hired by some of the world’s largest companies for nearly twenty years, Emanuel made the decision to bring his expertise and experience to those who need it the most, the injured and their families.

Galimidi's perspective on his transition to personal injury advocacy was shaped by his experiences as a defense lawyer. He saw firsthand the positive impact that proper representation could have on the lives of injured individuals and their families. This, coupled with his observation that many individuals were not receiving the full compensation they deserved when dealing with large firms, motivated him to switch sides and represent plaintiffs exclusively. Despite the challenges of scaling his own firm and ensuring the best possible client care, Galimidi is passionate about his decision and has no regrets.

Galimidi highlights the qualities of an ideal personal injury client, emphasizing patience, transparency, and responsiveness. He stresses the importance of selecting the right advocate for personal injury cases, noting that experience alone is insufficient; lawyers should also set reasonable expectations, maintain transparency, and provide responsive communication. Galimidi delves into the complexities of scaling a personal injury practice while ensuring top-notch client service and discusses how recent tort reform in Florida has impacted the personal injury landscape. Ultimately, his commitment to making a positive impact on clients' lives remains at the forefront of his legal career.

Join Kris Flammang and Emanuel Galimidi on this episode of The Confident Retirement podcast to learn more about Emanuel’s transition to personal injury advocacy.

Here is what to expect on this week’s show:

•  Emanuel’s transition to personal injury advocacy

•  Ideal client qualities

•  Choosing the right advocate

•  The challenges of scaling a practice

•  Impact of tort reform

•  Referring complex cases

Connect with Emanuel Galimidi:

https://galimidilaw.com/

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In this podcast episode, Vicky Townsend gives a presentation as part of LPF’s Divorce Summit. Vicky is is the President and founder of Divorce Right, a professional development and employee assistance program company. Vicky is also the co-founder of the National Association of Divorce Professionals, an association for all the licensed professionals that work with clients before, during, and after divorce. Vicky has worked for years in the divorce industry, but also knows first hand how painful and frustrating the divorce process is. After going through it herself in 2013, Vicky experienced a labyrinthe system that is costly, filled with errors and difficult to navigate. Realizing there needs to be radical change to improve a broken family law system, Vicky decided to revolutionize the divorce process by founding Divorce Right. Divorce Right caters to Fortune 1000 companies and government agencies to help their employees through this grueling process.

Vicky’s presentation centers on divorce as a challenging and often overwhelming process that can have a significant impact on individuals and their families. However, it is not just a personal crisis; it also affects the workplace and can cost companies billions of dollars each year. Divorce Right aims to make the divorce process easier on families and mitigate its impact on the workplace. Townsend highlights the staggering cost of divorce to companies, which can reach up to $150 billion annually according to a study by the Harvard Business Review. This cost includes lost productivity, decreased effectiveness, and increased employee turnover. Divorce Right offers products and services to support employees going through divorce, including specialized divorce coaches and divorce awareness and sensitivity training for HR managers.

Townsend also highlights the importance of considering the impact of divorce on employees when making decisions. More than 50% of employees will go through a divorce during their careers, primarily between the ages of 35 and 54. These are often the employees in upper and middle management positions who are on a trajectory for career advancement. However, divorce can diminish their productivity and effectiveness by about 40% for three to five years. This not only affects the individuals going through divorce but also impacts their coworkers, management, and the company's bottom line.

To address these challenges, Divorce Right offers divorce coaching, which is a flexible and goal-oriented process to support individuals going through divorce. Divorce coaches provide guidance, motivation, and assistance in making the best possible decisions for the future based on each individual's unique needs and concerns. This personalized approach helps individuals navigate the complex divorce process and find the support they need.

In addition to divorce coaching, Divorce Right offers a suite of digital divorce solutions called "Plan Right." This includes a book, a workbook, and a ten-hour video course that covers various aspects of divorce, from deciding if the marriage is truly over to understanding different divorce options. By providing comprehensive resources, Divorce Right empowers individuals to make informed decisions and navigate the divorce process more effectively.

Join Vicky Townsend on this episode of The Confident Retirement podcast as they delve deeper into divorce’s impact on the workplace.

Here is what to expect on this week’s show:

•  Divorce Right’s mission

•  The mental health impact of divorce in the workplace

•  Divorce’s career impact

•  Divorce Right’s holistic approach to support

•  The financial impact of divorce

Connect with Vicky Townsend:

https://divorcerightinc.com/

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In this podcast episode, Kris Flammang talks with guest Carmen Dellutri. Carmen is the Founder and President of The Dellutri Law Group, PA. He is certified by the American Board of Certification Consumer in Bankruptcy Law. He is also a Florida Supreme Court Certified Circuit Court and Family Law Mediator and a Qualified Arbitrator. He has multiple degrees and is licensed to practice in multiple states. Carmen is a distinguished attorney and advocate in the field of personal injury law, with a reputation for relentless determination and compassionate representation. As the founder and president of Dellutri Law, he has dedicated his career to assisting individuals who have suffered from car accidents, slip and falls, and medical procedures. His perspective on his legal career and advocacy in personal injury cases is driven by a strong desire to help people and make a positive impact. He expanded his practice to include bankruptcy law and estate planning, recognizing the need to help clients navigate financial difficulties and protect their assets. His approach is shaped by his own experiences and mistakes, and he uses this knowledge to provide effective legal representation and support to his clients.

Kris and Carmen discuss the importance of work ethic in the service industry. Work ethic and the service industry go hand in hand, as seen in Carmen's upbringing in his parents' gas station. From a young age, Carmen learned the importance of providing exceptional service to customers. His father taught him to go above and beyond, checking customers' cars regardless of the weather. This dedication to service shaped Carmen's work ethic and laid the foundation for his successful legal career. Carmen's father also emphasized the significance of working with both the head and heart, which inspired Carmen to pursue law and make a difference in people's lives.

They also discuss personal injury cases in Florida, bankruptcy, financial planning for the elderly, flaw firm culture, and the topic of the “personal why”.

Join Kris Flammang and Carmen Dellutri on this episode of The Confident Retirement podcast as they delve deeper into the importance of exceptional service.

Here is what to expect on this week’s show:

•  The importance of a strong work ethic and commitment to service

•  Advocacy in personal injury cases

•  Expertise in multiple legal areas

•  The importance of continuous learning and improvement

•  Mentorship and knowledge sharing

Connect with Carmen Dellutri:

https://www.dellutrilawgroup.com/

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In this podcast episode, Kris Flammang talks with guest Marie Banks. Marie Banks is a personal injury attorney based in Gainesville, Florida, known for her unique approach and community engagement. With a background in TV production, Marie initially worked for ABC Network's primetime show 20/20 in New York City. However, after taking a telecom law and regulation class, she became intrigued by the legal process and decided to pursue a career in law. Graduating in 2008 during a presidential election, Marie faced the challenge of name recognition in a field dominated by big firms. Determined to provide a personal, service-oriented experience for her clients, Marie and her firm have implemented a marketing campaign to establish their place in the community and differentiate themselves from other personal injury attorneys.

Kris and Marie discuss Marie’s journey to becoming a personal injury attorney, which was not a straight path. Originally studying TV production, she had a change of heart after experiencing the high demands and costs of the entertainment industry. Kris and Marie get into the challenges of name recognition in the personal injury field and competition with larger firms. They also discuss the importance of educating the public about the value of personal injury attorneys. Additionally, Marie is actively involved in mentoring college women and has spoken to law students about work-life balance. She values work-life balance herself and chose her current firm because they prioritize family life and have a lower volume of cases. Marie's ultimate goal is to give back to the community by offering free planning sessions and creating a more community-focused law practice.

Join Kris Flammang and Marie Banks on this episode of The Confident Retirement podcast as they delve deeper into Marie’s passionate approach to personal injury law.

Here is what to expect on this week’s show:

•  The challenges of name recognition for smaller firms in personal injury industry

•  Marie’s unique path to becoming a lawyer

•  The importance of prioritizing work-life balance

•  Educating the public about insurance policies and dispelling misconceptions about personal injury attorneys

•  Focusing on community engagement and digital marketing

•  Mentoring college women

Connect with Marie Banks:

https://www.lawschack.com/attorneys-staff/marie-banks/

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In this podcast episode, Kris Flammang talks with guest Chad Hastings. Chad Hastings is a highly experienced attorney with a focus on personal injury and commercial litigation cases. With over two decades of experience, Chad has built a strong reputation for his expertise in navigating medical care, insurance, and legal challenges. After graduating with a finance degree from UCF, Chad interned at a personal injury law firm in South Florida, which ignited his passion for helping individuals in difficult situations. As a partner at a Florida-based law firm with a history spanning over 95 years, Chad and his colleagues specialize in handling catastrophic injury cases, nursing home cases, product liability, and aviation crashes. They prioritize excellent client service and maintain open communication, relying on word-of-mouth referrals rather than billboard or television advertising. Chad is licensed to practice law in both Florida and Georgia and is actively involved in nonprofit work within the community.

Kris and Chad discuss the importance of guiding clients through the health system, ensuring they receive quality medical care, and alleviating the financial burden of medical bills that are not their fault. Chad also discusses compensating his clients for their lost time, work, pain, suffering, and emotional distress, and remains optimistic despite the challenges posed by recent changes in tort reform laws. Chad sheds light on the various insurance coverages that come into play. He explains that in the state of Florida, there is a no-fault insurance called PIP, which provides up to $10,000 in health insurance coverage. However, there are other options like health insurance, Medicare, and Medicaid that can partially or fully cover medical expenses. Hastings emphasizes the importance of understanding the insurance coverages of the defendant as well, as it affects the compensation available. He also highlights the challenges of finding doctors willing to deal with personal injury cases and the need to protect clients from potential future liens.

Join Kris Flammang and Chad Hastings on this episode of The Confident Retirement podcast as they delve deeper into Chad’s commitment to client justice.

Here is what to expect on this week’s show:

•  The importance of medical care

•  Dealing with insurance coverage

•  Common fears and concerns amongst personal injury attorneys

•  The importance of making good business decisions

•  The biggest challenges facing a personal injury attorney today

Connect with Chad:

https://lesserlawfirm.com/our-lawyers/chad-hastings/

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