Estate planning becomes more difficult when an American has non-American heirs. Listen to this financial podcast to find out about the most useful tools for cross-border estate planning, which strategies may be available to you, and what you need to know if your heirs are not U.S. citizens. Financial and estate planning is difficult enough for individuals; imagine how much more challenging it is for countries planning their budgets. Governments also seek strategies to prevent future economic problems and market crashes. Geoff Mulgan, former director of the UK Prime Minister’s Strategy Unity and Chief Executive of NESTA (National Endowment for Science Technology and the Arts) discusses whether democratic governments have made any changes in their planning since the market meltdown of 2008. What should have been done to improve existing financial systems, and was a useful opportunity for change lost? Follow Geoff Mulgan at www.nesta.org.uk/ and on Twitter @geoffmulgan.