Gray divorce is the fastest growing divorce demographic in America. Adults over 50 now account for 36 percent of all divorces. The rate has doubled since 1990. And women’s standard of living drops an average of 45 percent in the year following a gray divorce.

45 percent. Not a temporary adjustment. A permanent restructuring of a woman’s financial life at the exact moment when she has the least time and the fewest options to rebuild.

In Episode 3 of The Inner Circle, The Oracle and The Architect go inside gray divorce — not the emotional story, the tactical one. The specific financial and real estate decisions that determine whether a woman comes out of a long marriage with her wealth intact — or with 45 percent less of it.

Meet Patricia. Married 34 years. Divorcing at 61. A $1.8 million home she was terrified to sell. And the two-hour financial analysis that changed everything. She sold the house. Bought a condominium. Walked away with $800,000 in liquid assets — and more financial security at 63 than she had at any point in her marriage.

Not because the divorce was easy. Because she walked in prepared.

What we cover:

 The thirty-year entanglement — why gray divorce is exponentially more complex than any other kind, and where the largest values and most expensive mistakes live The retirement account trap — the QDRO, the pension benefit that disappears if it is not specifically preserved, and the $720,000 gap that determines the architecture of her retirement The healthcare cliff — the $120,000 to $168,000 in ongoing costs that never appear in the asset division and must be on the table in every gray divorce settlement The Social Security strategy — the ten-year marriage rule, the claiming decision worth $800 to $1,200 a month for life, and why your divorce attorney is probably not running this analysis The three moves that change the outcome — independent appraisals on every property, the post-divorce financial model, and the Social Security claiming optimization

The 20-year question:

What do you want your financial independence to look like in 20 years — and does the settlement you are considering actually build toward that? Or does it just feel fair in the room today?

New episodes every Wednesday at 5AM. Season 2: The Inner Circle — the conversation that happens behind closed doors.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

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🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

California has the highest state income tax in the nation. One of the most complex property tax systems in the world. And a capital gains structure that — combined with federal taxes — can take between 30 and 37 cents of every dollar you made on a property sale.

Most high-net-worth women find out what that means after the transaction closes. After the divorce settlement is signed. After the probate sale closes. After the property transfers.

This episode exists so you find out before.

In Episode 2 of The Inner Circle, The Oracle and The Architect go deep into the California tax battlefield — the rules that were written in 1978 and have been amended so many times that most accountants don’t fully understand them, the capital gains liability hiding inside your divorce settlement, and the one tax tool most women navigating high-stakes real estate have never used.

What we cover:

 Proposition 13 — what it actually is, how it works, and why the difference between a well-structured and a poorly-structured transfer can mean tens of thousands of dollars per year in property taxes permanently Proposition 19 — how it changed parent-child transfers in 2021 and why families still operating under the old assumptions are about to get an expensive surprise Capital gains in California — the woman who sold a $2.8 million house and wrote a check for $777,000 to the government the same day The three divorce tax traps — the basis that transfers with the property, the exclusion that drops by $250,000 the moment you are single, and the retirement account vs. real estate comparison that destroys value in almost every settlement negotiation The 1031 exchange — your most powerful tax deferral tool, how it works, and why the time to understand it is before you inherit, before you divorce, before you decide to sell The step-up in basis — the most powerful wealth transfer advantage in the tax code that most people don’t know about until it’s too late to use it

The 20-year question:

If you sold every piece of California real estate you own or expect to inherit today — do you know, with specificity, what you would actually keep after taxes? And does your current plan account for that number?

New episodes every Wednesday at 5AM. Season 2: The Inner Circle — the conversation that happens behind closed doors.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

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🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Season 1 ended with a pattern. Season 2 opens with the women who lived it — and won. Not because they were lucky. Because they made one specific decision differently from everyone else in the same room.

Welcome to The Inner Circle.

In Episode 1 of Season 2, The Oracle and The Architect go inside the one move that separates the women who come out of high-stakes real estate situations — divorce, probate, estate transfers — with their wealth not just intact but grown. Not the inspirational version. The tactical one. The specific move. The exact moment. The thing she did that everyone else in the same situation did not do.

Three real women. Three real victories.

Victoria — the twenty-two year marriage, the real estate portfolio nobody had ever laid out in one place, and the settlement her attorney called the cleanest high-asset divorce she had ever seen. Margaret — the widow who called the right person before she signed anything — and walked away with everything her husband built, intact, producing income, in her name. And Claire — the sixty-one year old who almost liquidated four point two million dollars in debt-free inherited real estate based on advice from a financial advisor who had never run the tax analysis.

What we cover: The one decision that separates the women who win from the women who don’t — and it has nothing to do with luck What independent counsel actually means — and why most women think they have it when they don’t Why knowing your number — the actual independently appraised current market value — changes everything in a negotiation The stepped-up basis advantage Claire almost gave away — and what it means for every woman who inherits real estate The Season 2 curriculum — eight episodes, zero basics, all inner circle

The Season 2 promise:
Not inspiration. Tactics. The specific moves that changed everything.

New episodes every Wednesday at 5AM. Season 2: The Inner Circle — eight episodes of the conversation that happens behind closed doors.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

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Email: [email protected]

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Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

Ten estates. Eleven episodes of war. One verdict.

Michael Jackson’s unfunded trust. Aretha Franklin’s couch will. Prince’s missing documents. Tupac’s record contract. Stan Lee’s power of attorney in the wrong hands. Tony Bennett’s son holding every role with no oversight. Matthew Perry’s bank account that slipped through. Shannen Doherty’s settlement signed the day she died. Lisa Marie Presley’s amendment that was never delivered. Ray Charles’s children and the federal law that could not be signed away.

Ten cases. Ten lessons. And one question that runs through every single one of them: what would have changed if the plan had been in place before the crisis arrived?

In Episode 12 of Celebrity Estate Interrupted — the series finale — The Oracle and The Architect close the vault and deliver the complete protection framework. Not one action. Not one document. The full architecture. Six structural protections that make every case in this series impossible to replicate in your life. The funded trust. The properly executed will. The independent trust protector. The mandatory accounting provision. The independent legal counsel for every contract. And the communicating inner circle that cannot be isolated, replaced, or silenced.

This is the episode that turns eleven cases of loss into one framework for protection.

What we cover: The thread that runs through every case in this series — and the single gap that made each one possible The six structural protections — complete, specific, and actionable The funded trust vs. the created trust — and why the difference between them is everything The mandatory accounting provision — the one document that changes the Tony Bennett, Stan Lee, and Brooke Astor cases entirely The complete protection framework — everything you need to leave this series prepared

The series verdict:
The estate war is not something that happens to other people. It happens to the people who built everything and planned for nothing. And it happens to the families they leave behind.

Celebrity Estate Interrupted Volume I — ten estates, eleven episodes, one verdict. Thank you for being in the vault with us.

Celebrity Estate Interrupted Volume II drops August 12, 2026. Subscribe now so you do not miss Episode 1.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

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⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

He sold tens of millions of records. He was one of the most gifted lyricists in the history of American music. He was also, at the moment of his death at twenty-five years old, effectively broke. Not because he was careless. Because the contract he signed to get out of prison consumed everything he earned before he could touch it.

And then his mother — a former Black Panther Party member who had never managed a music estate in her life — inherited nothing and built everything.

In Episode 11 of Celebrity Estate Interrupted, The Oracle and The Architect open the case of Tupac Shakur — the contract that trapped him, the two hundred thousand dollars he had left when he died, the forty million dollars his estate has generated since, and Afeni Shakur’s extraordinary transformation from grieving mother to one of the greatest estate managers in the history of the entertainment industry. And the new war — the 2024 cease-and-desist to Drake for using an AI-generated Tupac voice — that proves the battle over his legacy is far from over.

What we cover: The Death Row Records contract — what Suge Knight’s $1.4 million bail really cost Tupac and why the contract consumed every dollar he earned The $200,000 estate — and the $40 million it has generated since his death in 1996 The 2024 Drake cease-and-desist — AI-generated voices, likeness rights, and the new frontier of estate law Afeni Shakur — how a mother with no industry experience built a legacy empire from nothing The war inside Afeni’s own estate — her sister Sekyiwa’s 2022 lawsuit alleging $5.5 million in executor fees The one action every woman needs to take this week

The 20-year question:
Does anyone in your life have a contract over your earnings, your creative work, or your assets that you have not had independently reviewed — and do you know exactly what it says about what happens if you die?

Celebrity Estate Interrupted Volume I — new episodes every Wednesday at 5AM through August 5, 2026.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

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⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

He controlled everything in life. His music. His masters. His image. His name. His studio. His vault of eight thousand unreleased recordings. Prince Rogers Nelson fought harder than any artist in the history of the music industry to own what he created.

He did not have a single estate planning document. Not a will. Not a trust. Not a beneficiary designation. Nothing.

In Episode 10 of Celebrity Estate Interrupted, The Oracle and The Architect open the case of Prince — the most controlling artist in the history of American music, and the man whose estate became the most expensive lesson in what happens when you protect everything in life and plan for nothing in death. Six years of probate. Six half-siblings chosen by Minnesota law. A $156 million estate. A catalog sold to Primary Wave. And litigation that is still running ten years after his death.

What we cover: What happens when someone dies intestate — and how Minnesota law chose Prince’s heirs for him The $156 million estate — and the six years of probate that made every detail public record The eight thousand unreleased recordings in the Paisley Park vault — and who controls them now The 90-day survivorship clause Prince never had — and the family conversation that never happened How Primary Wave acquired approximately fifty percent of the estate from heirs who needed liquidity The one action every woman needs to take this week

The 20-year question:
If you died today — exactly who would the law give everything you have built to? Is that who you would choose?

Celebrity Estate Interrupted Volume I — new episodes every Wednesday at 5AM through August 5, 2026.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

Apple Podcasts | Spotify | Amazon Music | iHeartRadio | Podchaser

⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

He had a career spanning seven decades. He sold over fifty million records. He won twenty Grammy Awards including a Grammy Lifetime Achievement Award. His final album with Lady Gaga went platinum. And when Tony Bennett died in July 2023 at the age of ninety-six — his daughters were told the estate was worth less than seven million dollars.

The math does not add up. And that is exactly the point.

In Episode 9 of Celebrity Estate Interrupted, The Oracle and The Architect open the case of Tony Bennett — the voice of a generation, a son who held every role simultaneously, two daughters who were told the money was gone, and the lawsuit that is still being fought in 2025. The trustee who was also the manager who was also the power of attorney who was also the business owner collecting commissions on deals he arranged for his own father. One person. Every role. No oversight.

What we cover: The 1994 family trust — what it was designed to do and what it allowed to happen over thirty years The $100 million+ career — and the seven million dollar estate his daughters were shown The four overlapping roles Danny Bennett held simultaneously — and why that concentration of authority is the most dangerous structure in estate planning The mandatory accounting provision — the structural protection that makes the Tony Bennett situation impossible The sale of his music catalog and name and likeness rights — and the conflict of interest allegation at the center of the lawsuit The one action every woman needs to take this week

The 20-year question:
If one person in your family holds your trust, your power of attorney, manages your business interests, and collects commissions on deals they arrange — who holds them accountable?

Celebrity Estate Interrupted Volume I — new episodes every Wednesday at 5AM through August 5, 2026.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

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⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

He created Spider-Man. The X-Men. Iron Man. Thor. The Hulk. The Fantastic Four. Black Panther. The Avengers. His creations generated an estimated $25 billion in box office revenue. And when his wife of sixty-nine years died in 2017 — when the man who built the Marvel Universe was ninety-four years old and grieving — the people who moved into the vacuum were not there to help him.

In Episode 8 of Celebrity Estate Interrupted, The Oracle and The Architect open the case of Stan Lee — the most beloved creator in the history of American comics, and the man whose final years became a case study in what happens when the wrong people are in the room and nobody is checking their work. The business manager who held the power of attorney. The estimated twenty-one million dollars that disappeared. The daughter who could not get to him. And the lawsuit that named names — but never delivered justice.

What we cover: What a power of attorney actually does — and why it is the most dangerous document in an estate plan in the wrong hands How POW! Entertainment was sold to a Hong Kong entity without Stan Lee’s knowledge or consent The estimated $21 million that disappeared from his accounts — and what the lawsuit alleged about how it was taken The daughter J.C. Lee who was cut off from access to her own father The communicating inner circle — the structural protection that makes the Stan Lee situation impossible to replicate The one action every woman needs to take this week

The 20-year question:
Who holds your power of attorney right now — and is there anyone in your life whose job it is to make sure that person is using it correctly?

Celebrity Estate Interrupted Volume I — new episodes every Wednesday at 5AM through August 5, 2026.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · Host & Producer · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

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⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

He brought his twelve children together. He explained his plan. He had them sign documents waiving any further claim to his estate. He gave each of them $500,000. He thought he had closed every door.

He had not counted on the federal backdoor built into the 1976 Copyright Act.

In Episode 7 of Celebrity Estate Interrupted, The Oracle and The Architect open the case of Ray Charles — the Genius of Soul, twelve children by ten women, and the estate plan that was airtight on paper and completely overridable by federal law. The termination right that cannot be signed away. The foundation that was supposed to receive everything. And the litigation that has run for over twenty years and is still not fully resolved.

What we cover: What Ray Charles actually planned — the $500,000 trusts, the waivers, and the Ray Charles Foundation Section 203 of the 1976 Copyright Act — the federal backdoor that no contract can close How seven of his twelve children filed copyright termination notices on fifty-one of his songs — including Georgia on My Mind What the litigation has looked like for over twenty years — and why it still is not over Why estate planning for artists, creators, and anyone with intellectual property requires specialized copyright counsel — not just a standard trust The one action every woman needs to take this week

The 20-year question:
Do you own any intellectual property — music, creative work, a business you built — and does your estate plan specifically address what happens to it under federal law, not just under your will?

Celebrity Estate Interrupted Volume I — new episodes every Wednesday at 5AM through August 5, 2026.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

Apple Podcasts | Spotify | Amazon Music | iHeartRadio | Podchaser

⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.

Welcome to Celebrity Estate Interrupted — the special series from Wealth, War & Real Estate where The Oracle and The Architect open the vault on the celebrity estates that changed the law, divided families, and left fortunes in the hands of courtrooms instead of the people they were built for.

She updated her trust. She named her daughter as trustee. She signed the amendment in 2016.

She just never delivered it to anyone.

In Episode 6 of Celebrity Estate Interrupted, The Oracle and The Architect open the case of Lisa Marie Presley — the last Presley, the heir to Graceland, and the woman whose trust amendment sat unsigned in a drawer for seven years while the person it removed had no idea it existed. The amendment that triggered a war between a grandmother and a granddaughter. The settlement that ended it. And the one communication step that would have prevented every moment of it.

What we cover: What The Promenade Trust was — and why Lisa Marie updated it in 2016 Why the amendment was never delivered to Priscilla — and what that single failure cost the family The settlement between Priscilla Presley and Riley Keough — the $1 million, the $100K per year, and the burial rights at Graceland What happened to the estate — and how Riley Keough became the sole trustee The communication requirement that every trust amendment must include The one action every woman needs to take this week

The 20-year question:
Does everyone who needs to know about your estate plan actually know about it — or are there amendments sitting in a drawer that nobody has ever received?

Celebrity Estate Interrupted Volume I — new episodes every Wednesday at 5AM through August 5, 2026.

Hosted by Alexis Nassif, DRE# 00778778, CIPS, Broker Associate at Compass · Dame Natalie Francinne, KM · AN & Associates Luxury Real Estate Group at Compass · Studio City, CA · wealthwarandrealestate.com

For Women. By Women. 

What's your 20 year question?

Support the show

📩 Connect With Us

Email: [email protected]

🎙️ Subscribe & Listen

Apple Podcasts | Spotify | Amazon Music | iHeartRadio | Podchaser

⭐ Leave a Review

Love the show? Leave us a review on Apple Podcasts — it helps other women find this conversation.

📲 Share This Episode

Know a woman navigating a divorce, an inheritance, or a real estate decision right now? Send her this episode. It might change everything.

🌐 AN & Associates Luxury Real Estate Group

Presented by Alexis Nassif, DRE# 00778778, CIPS & Dame Natalie Francinne, KM

Wealth, War and Real Estate is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult a qualified professional for your specific situation.