Financially Ever After Widowhood

Using Trusts to Protect Your Legacy with Shamisa Zvoma

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Is your money really going where you want it to when you’re gone, or are taxes, outdated documents, and lack of planning quietly deciding for you? In this episode, I sit down with CPA and estate planning expert Shamisa Zvoma to unpack the truths most people miss about trusts, gifting, tax strategy, and why estate planning isn’t just for the ultra-wealthy. We talk about control, protection, legacy, and the narrow window many families are overlooking right now that could cost them millions down the road.

You’ll hear us discuss:

  • Why trusts aren’t just for wealthy families and how they give you control long after you’re gone
  • The biggest misconceptions people have about estate planning and taxes
  • How trusts can protect assets from creditors, divorce, and poor timing
  • Why giving money outright isn’t always the smartest move
  • How lifetime gifting can dramatically reduce future estate taxes
  • The annual gifting limits and how couples can maximize them
  • How paying tuition or medical bills can reduce your estate without triggering gift taxes
  • Why estate plans should be reviewed every 3–5 years (and after major life changes)
  • Real-life examples of what goes wrong when plans aren’t updated
  • How state estate taxes can create major surprises even when federal taxes don’t apply

    • Resources

    Shamisa Zvoma on LinkedIn | Phone: 212-605-3182 | Email

    Stacy Francis on LinkedIn | X(Twitter) | Email

    FrancisFinancial.com

    Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

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    Financially Ever After WidowhoodBy Stacy Francis
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