Avoiding Costly Mistakes in Your Estate Planning with Dahiema Grant

Financially Ever After Widowhood

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تمت الإضافة منذ قبل eight عام

المحتوى المقدم من Stacy Francis. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Stacy Francis أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Species Unite

1
Jeff Kerr: Our First Amendment Right to Receive Communications (from Monkeys) 30:14

منذ 5 أيام30:14

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قوائم

إعجاب

احب

30:14

"It is a scientific fact that these macaques, like all other primates, including humans, are communicating. They communicate in much the same way we do - facial expressions, vocalizations, body postures, those kinds of things." - Jeff Kerr Jeff Kerr is PETA foundations Chief Legal Officer. I asked him to come on the show to talk about one of PETA’s current lawsuits against the National Institutes of Health (NIH) and Nathional Institute of Mental Health (NIMH). PETA is arguing that the monkeys being tested on in a government run facility are capable of communication (or “are communicating”). And that we have a constitutional right under the First Amendment to receive their communications. This could be a game changer in allowing us to see what’s really going on in labs that are funded by taxpayer money, and which have so far been censored from public view. PETA’s lawsuit follows years of NIH’s attempts to deny Freedom of Information requests banning PETA executives from its campus and illegally censoring animal advocates’ speech on NIH’s public social media pages. Through the lawsuit, PETA is seeking a live audio-visual feed to see and hear real-time communications from the macaques who have been kept isolated, used in fear experiments, and had posts cemented into their heads. Anthropologists and other scientists have studied macaque and other primate communications for decades and know that the monkeys communicate effectively and intentionally through lip smacking, fear grimaces, body language, and various cries and sounds—all of which constitute speech under the law. Primatologists can analyze that speech on a deeper level to share their stories with the world.…

منذ عام واحد 42:38

MP3•منزل الحلقة

You'll hear them discuss:

How understanding tax planning can make a huge difference in your financial future, particularly the difference between income taxes, capital gains, and how each affects your investments. Dahiema explains how proactive planning can help reduce your overall tax burden and maximize your wealth.
The importance of estate and inheritance tax planning, and why it’s crucial to understand how your estate will be taxed when it’s passed down. Even if you think your estate is far from the $13.6 million threshold, Dahiema reveals why filing an estate tax return may still be beneficial to capture exemptions that would otherwise be lost.
The "portability provision," which allows the surviving spouse of an estate to use the unused portion of the deceased spouse’s estate tax exemption. This little-known rule can provide a significant benefit by increasing the amount a surviving spouse can pass on tax-free, potentially saving millions.
How different states have vastly different estate tax rules and exemption limits, and why it’s critical to be aware of these when making estate planning decisions. Dahiema highlights examples like New York’s lower exemption levels and explains why some people choose to relocate to states with more favorable tax policies, like Florida.
Why building a team of professionals—including an accountant, tax advisor, and financial planner—can make all the difference when navigating the complexities of taxes, estate planning, and wealth management. You don’t have to go it alone, and Dahiema emphasizes the value of having the right support system.
The strategy of gifting assets during your lifetime to reduce your taxable estate. Dahiema discusses how this can be a powerful tool, especially for those concerned about estate taxes, but also explains how to balance gifting with the need to maintain financial security for yourself.

Resources

Dahiema Grant on LinkedIn I Web

Email: dgrant@dsgadvisorycpa.com

Phone: 917-309-8574

Stacy Francis on LinkedIn | X(Twitter)

Email: stacy@francisfinancial.com

FrancisFinancial.com

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

200 حلقات

#Trading #Business #Kids And Families #Divorce #Divorcesource #Financiallyeverafter #Financialplanning #Future #Stacyfrancis #Wealth #Women #Fitness #Stacy Francis #Finance

Avoiding Costly Mistakes in Your Estate Planning with Dahiema Grant

Financially Ever After Widowhood

16 subscribers

published منذ عام واحد

MP3•منزل الحلقة

You'll hear them discuss:

How understanding tax planning can make a huge difference in your financial future, particularly the difference between income taxes, capital gains, and how each affects your investments. Dahiema explains how proactive planning can help reduce your overall tax burden and maximize your wealth.
The importance of estate and inheritance tax planning, and why it’s crucial to understand how your estate will be taxed when it’s passed down. Even if you think your estate is far from the $13.6 million threshold, Dahiema reveals why filing an estate tax return may still be beneficial to capture exemptions that would otherwise be lost.
The "portability provision," which allows the surviving spouse of an estate to use the unused portion of the deceased spouse’s estate tax exemption. This little-known rule can provide a significant benefit by increasing the amount a surviving spouse can pass on tax-free, potentially saving millions.
How different states have vastly different estate tax rules and exemption limits, and why it’s critical to be aware of these when making estate planning decisions. Dahiema highlights examples like New York’s lower exemption levels and explains why some people choose to relocate to states with more favorable tax policies, like Florida.
Why building a team of professionals—including an accountant, tax advisor, and financial planner—can make all the difference when navigating the complexities of taxes, estate planning, and wealth management. You don’t have to go it alone, and Dahiema emphasizes the value of having the right support system.
The strategy of gifting assets during your lifetime to reduce your taxable estate. Dahiema discusses how this can be a powerful tool, especially for those concerned about estate taxes, but also explains how to balance gifting with the need to maintain financial security for yourself.

Resources

Dahiema Grant on LinkedIn I Web

Email: dgrant@dsgadvisorycpa.com

Phone: 917-309-8574

Stacy Francis on LinkedIn | X(Twitter)

Email: stacy@francisfinancial.com

FrancisFinancial.com

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

200 حلقات

#Trading #Business #Kids And Families #Divorce #Divorcesource #Financiallyeverafter #Financialplanning #Future #Stacyfrancis #Wealth #Women #Fitness #Stacy Francis #Finance

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Financially Ever After Widowhood

1
Getting Financially Organized in Life’s Toughest Moments with Jacob and Peter Gordon 38:31

منذ 8 أيام38:31

38:31

What happens when you’re suddenly the one in charge of all the paperwork, passwords, and decisions, but you’re not sure where to begin? In this heartfelt and practical episode, father-and-son duo Peter and Jacob Gordon share how daily money management can be a lifeline for people navigating everything from grief and memory loss to major life changes like retirement, divorce, or moving across the country. They didn’t set out to become financial organizers—but life led them here through personal family experiences, and now they’re helping others find order and peace during some of life’s most overwhelming moments. You’ll hear them discuss: • How their family’s own challenges with elder care inspired them to create a service that supports others in managing the emotional and practical sides of personal finance. • The unexpected transitions that often lead people to seek help—like a partner’s death, a dementia diagnosis, or simply realizing the bills haven’t been opened in months. • What it means to be a daily money manager, and how their work goes far beyond bill pay to include safeguarding personal data, organizing financial records, and helping clients feel less isolated. • Why solo agers—those without family support nearby—often rely on them as trusted fiduciaries to serve as power of attorney, healthcare proxy, or executor when no one else can. • The ways loneliness, memory loss, and vulnerability intersect—and how just having someone to check in weekly can dramatically improve a person’s wellbeing and confidence. • How they collaborate with financial advisers, attorneys, and care professionals to create a wraparound team that protects clients from falling through the cracks. • Their top piece of advice for anyone suddenly managing money on their own: start by finding out exactly where everything is, before trying to make sense of it. Resources Jacob and Peter Gordon on the Web | YouTube | Facebook | LinkedIn | Email: info@nyfo.nyc Jacob Gordon on Email: jacob@nyfo.nyc I Phone number: 917-945-0912 Peter Gordon on LinkedIn | Email: peter@nyfo.nyc | Phone number: 917-279-3972 Other resources mentioned: Article on How to Freeze Credit Card Quicken - Manage Your Finances in One Place You Need a Budget Personal Capital / Empower 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!…

Financially Ever After Widowhood

1
Rebuilding Money Confidence After Loss with Financial Therapist Erika Wasserman 36:21

منذ 22 يومًا36:21

36:21

What if your financial struggles aren’t really about money—but about emotions you’ve never even considered? In this powerful and refreshingly honest episode of Financially Ever After Widowhood , Stacey Francis is joined by Erika Wasserman, one of only 100 certified financial therapists in the U.S. Together, they dive into how fear, overwhelm, shame and even childhood memories can keep you stuck in place financially. Whether you’re recently widowed, divorced, or simply navigating money matters on your own for the first time, this conversation offers hope, practical tools, and a whole new way of thinking about your relationship with money. You’ll hear them discuss: How 90% of our financial decisions are driven by emotion, and why understanding this can help you make better choices moving forward Why your money mindset is shaped by your background, culture, and past experiences—often without you even realising it What financial paralysis looks like, and how to gently move forward with manageable, confidence-building steps How feelings of fear, overwhelm and loneliness can stop you from taking action, and what to do when that happens Why making financial mistakes is completely normal—and how to reframe them as part of your learning journey How Erika’s simple highlighter method can help you understand your spending habits and make joyful, intentional choices What a “sunshine fund” is, and how having one can create space for spontaneous joy and generosity When it might be the right time to work with a financial therapist, especially if you feel emotionally stuck or ashamed about money Resources Erika Wasserman on the Web | Email | Instagram | LinkedIn Pre-order ''Conversations with Your Financial Therapist'' on Amazon 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!…

Financially Ever After Widowhood

1
[Replay] Taking Control of Your Finances After Widowhood 33:37

منذ 5 weeks33:37

33:37

In honor of Financial Literacy Month, we’re revisiting one of our most powerful episodes of Financially Ever After: Widowhood, a conversation that underscores why financial knowledge is essential, especially during life’s most difficult transitions. You’ll hear from Kathy Gleason, a widow, author, and host of the podcast As I Live and Grieve. Kathy shares her deeply personal journey of navigating grief and the overwhelming financial aftermath that followed the loss of her husband. This episode is a powerful call for women to not just be emotionally prepared, but financially informed. Are you struggling to cope with the loss of a spouse and the financial challenges that come with it? In this episode of Financially Ever After Widowhood, host Stacy Francis speaks with Kathy Gleason, an author and grief support expert with a deep understanding of the struggles that come with losing a spouse. Kathy is also co-host of the As I Live and Grieve podcast. Kathy details her personal journey of loss, including the challenges of managing the paperwork and red tape that come with it. She also shares valuable insights and practical advice on how to navigate the financial challenges of widowhood. Losing a spouse is a complex and devastating loss that brings many unique challenges, including the loss of future plans and the added responsibility of managing all the paperwork and red tape that come with it. It's important to surround yourself with supportive people who understand what you're going through and can offer emotional and practical support. If you are not the partner who manages the finances, it's important to make yourself aware of what accounts and assets you have in case you need to take over in the future. It's common for married couples to not make long-term financial decisions together, but this can leave one partner at a disadvantage if they need to take over after a spouse's passing. Prioritizing tasks and taking care of practical matters can help you begin to work on yourself and heal after a loss. Resources Kathy Gleason Facebook | Instagram Email: info@asiliveandgrieve.com As I Live and Grieve Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!…

Financially Ever After Widowhood

1
Emotional Resilience in a Volatile Market with Matt Haertzen 35:13

منذ 7 weeks35:13

35:13

What if doing absolutely nothing during a market downturn was actually the best financial move you could make? In this episode of Financially Ever After , Stacy Francis sits down with Matt Haertzen - Chief Investment Officer at Francis Financial - to dive deep into how to handle market volatility without letting fear drive your decisions. When markets dip, it's easy to panic, but Matt and Stacy highlight how staying calm and sticking to your investment plan can help you not just weather the storm, but come out ahead. They explore the importance of staying invested through the ups and downs, how to avoid making emotional mistakes, and why focusing on the long-term can ultimately be more rewarding. In a world full of uncertainty, it’s more important than ever to know how to make smart decisions that will benefit your future, even if the road to get there feels a little bumpy. You’ll hear them discuss: Why reacting emotionally during a market drop could cost you more in the long run and why staying calm is key Why markets have historically bounced back and why it's essential to focus on the bigger picture, especially when things feel uneasy The importance of staying invested for the long haul and how volatility can be an opportunity if you’re prepared How strategies like tax-loss harvesting and Roth conversions can actually work in your favor when markets are down The psychological impact of market swings and how to manage your emotions to avoid costly mistakes Simple yet effective steps to manage your finances during uncertain times without sacrificing your goals Why diversification is crucial and how expecting every part of your portfolio to perform perfectly all the time is unrealistic Real-life insights into why reacting to market drops, like during the 2008 financial crisis, can leave you worse off in the long run Resources Matt Haertzen on the Web | LinkedIn 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!…

Financially Ever After Widowhood

1
Surviving the IRS: Innocent Spouse Relief and Other Solutions with Megan Brackney 53:30

منذ 9 weeks53:30

53:30

Is skimping on employment taxes worth the risk? Think again! The IRS is watching, and the consequences could be severe. From personal liability to potential criminal charges, tax attorney Megan Brackney breaks down what you must know about payroll tax compliance—and what happens if you get it wrong. Think an IRS notice is something you can ignore? Not so fast. Failing to respond could mean escalating penalties, wage garnishments, or even asset seizures. Failing to pay your taxes—or even unknowingly making mistakes—can lead to serious consequences. In this episode of Financially Ever After Widowhood , Stacy Francis sits down with Megan Brackney, a leading tax controversy attorney, to unpack the dangers of employment tax issues, IRS audits, and how to handle tax troubles before they spiral out of control. Whether you’re a business owner, someone dealing with tax issues from a former spouse, or just trying to stay on the right side of the IRS, this episode is packed with invaluable insights and actionable advice. You'll hear them discuss: Why employment tax fraud is taken more seriously than personal tax evasion – When you withhold payroll taxes, you’re holding money in trust for your employees and the government. Failure to pay is viewed as theft, making it one of the IRS’ top enforcement priorities. The IRS’ six-year (or even unlimited!) statute of limitations on tax fraud cases – Just because you haven’t been caught yet doesn’t mean you’re in the clear. The IRS has years to investigate, and in cases of fraud, there’s no time limit at all for them to come after you. How unpaid payroll taxes can personally impact business owners, CFOs, and controllers – The IRS can go after individuals within a business under the responsible person penalty , making them personally liable for unpaid taxes. If you’re in a leadership role, you must ensure payroll taxes are properly handled. The real-life regrets of those who got caught—and why it never pays off – Megan shares stories from 20+ years in tax law, revealing how every client who thought they could outsmart the IRS deeply regretted it once they faced penalties, legal fees, and sleepless nights. Innocent Spouse Relief—what it is and how it can protect you from a former spouse’s tax mistakes – If you’re facing tax liabilities from an ex-spouse’s wrongdoing, you may not have to pay. Learn what qualifies for Innocent Spouse Relief and how to apply. Practical steps to take if you receive an IRS notice (hint: open it, don’t panic! ) – Ignoring IRS letters only makes things worse. Megan explains how to read your notice, understand what’s being asked, and take action before penalties escalate. How to communicate with the IRS to avoid aggressive collection tactics – Many people fear bank levies and wage garnishments, but staying in contact with the IRS and showing good faith can often prevent the harshest consequences. Taxpayer rights you didn’t know you had – The U.S. has strong taxpayer protections, but many people don’t realize what they’re entitled to. Megan covers important rights, including appeal options, installment agreements, and offers in compromise. Why procrastination makes tax problems exponentially worse – The longer you wait, the more interest and penalties pile up. Megan shares key steps to take immediately if you suspect a tax issue, even if you can’t afford to pay the full amount. How tax issues can impact your financial future, credit, and even your passport – Owing the IRS isn’t just a money problem—it can affect your ability to get business loans, travel, and plan for retirement. Learn how to mitigate long-term consequences. Resources Megan Brackney on the Web | LinkedIn 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!…

Financially Ever After Widowhood

1
Navigating Mental Health Law: Supporting Families Through Crisis with Lisa Herman 37:52

منذ 11 weeks37:52

37:52

How do you navigate the overwhelming challenges of supporting a loved one dealing with mental illness or substance abuse when the systems meant to help are failing? And how can you be sure you’re making the right choices when it feels like everything is stacked against you? In this powerful episode of Financially Ever After , Stacy Francis sits down with Lisa Herman, a seasoned mental health attorney who guides families through some of life’s most difficult situations—mental health crises, substance abuse struggles, and complex family dynamics. Lisa shares her personal journey and professional insight, revealing the emotional and legal challenges that families often face. Together, they discuss the crucial resources and strategies that can make a difference when dealing with a loved one’s mental health or addiction issues. Lisa’s experience gives a unique perspective on how to act quickly, thoughtfully, and with care in times of crisis. You’ll hear them discuss: The challenges of navigating mental health and substance abuse systems, and why it often feels like families are flying blind without proper guidance. Lisa’s personal journey of losing her husband to cancer and how it shaped her understanding of crisis and family support. The importance of acting quickly and seriously when a loved one expresses harmful intentions, and how to identify when immediate intervention is needed. The legal mechanisms available to families, including guardianship, Kendra’s Law, and the assisted outpatient treatment law to help manage loved ones with severe mental illness. How to avoid enabling destructive behavior while still showing love and support for a family member going through a crisis. The delicate balance between helping someone get the treatment they need while preserving family relationships and communication. Practical advice for reaching out to the right resources, including psychiatric case managers, security personnel, and legal professionals who can step in during critical moments. Resources Lisa Herman on LinkedIn | Email I Phone: 914-607-7010 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!…

Financially Ever After Widowhood

1
Who Will Support You as You Age? Smart Planning for Solo Agers with Marni Blank 33:48

منذ 13 weeks33:48

33:48

Are you really prepared for solo aging? Have you thought about who will care for you as you get older? What about where you’ll live, how you’ll afford care, and who will manage your finances if you’re unable to? Too many people wait until an emergency forces them to make these decisions, but planning ahead can give you control over your future and peace of mind. What if you could make choices now that ensure your later years are filled with security, independence, and dignity? In this episode of Financially Ever After , Stacy Francis is joined by Marni Blank, founder of Begin With The End , to discuss the essential steps solo agers (and everyone else!) should take to prepare for the future. From financial planning to housing choices to organizing your digital life, this conversation is full of critical insights. You'll hear them discuss: A powerful way to leave a legacy through handwritten letters and how this simple but meaningful act can create deep connections that last beyond a lifetime. Solo aging realities and why it’s crucial to proactively plan for healthcare, housing, and financial needs before unexpected circumstances force rushed decisions. The importance of choice in aging and how making key decisions early allows you to maintain control, rather than having others step in when it may be too late. Where you will live as you age, whether staying in your home, moving to assisted living, or considering other options, and how to determine the right fit for your needs. Financial planning for long-term care, breaking down the true costs, what options exist, and why starting early can make all the difference in affording quality care. The digital side of aging, including organizing passwords, documents, and financial accounts so your loved ones aren’t left struggling to access important information. Why waiting lists matter when choosing senior living communities and how long delays in availability could leave you scrambling for a less ideal option in an emergency. Resources Marni Blank on the Web | LinkedIn | Instagram | Email Free Plan Well Organizer Free Legacy Project Ideas 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!…

Financially Ever After Widowhood

1
Grief-Proof Your Assets with Claire Schwartz 42:18

منذ 15 weeks42:18

42:18

When facing the loss of a loved one, is there anything worse than being blindsided by legal battles and financial chaos? The last thing you need while grieving is to be buried under probate paperwork, unexpected family conflicts, or financial uncertainty. In this episode, Stacy Francis speaks with grief coach Claire Schwartz about how to prepare ahead of time so that loss doesn’t turn into a crisis. They discuss the importance of trusts, delaying big financial decisions, and leaning on the right professionals to help you navigate both grief and financial security with clarity and confidence. Claire also shares insights on managing family conflicts that may arise after a loss and how to approach them with a clear mind and a steady heart. You’ll hear them discuss: How probate can be costly and emotionally draining, and why setting up a revocable trust can help assets pass smoothly without legal disputes. Why grief can cloud judgment and the importance of delaying major financial decisions, like selling a home or changing investments, until you're emotionally ready. The role of self-care in maintaining both mental and financial clarity—why staying hydrated, eating regularly, and getting rest is non-negotiable during grief. How breaking legal and financial matters into small, manageable steps can help prevent overwhelm and keep you in control. The benefits of seeking professional guidance from estate attorneys, financial advisors, and grief coaches to bring clarity and peace of mind. Why having a neutral, outside support system—whether a professional, friend, or therapist—can help process emotions and navigate difficult family dynamics. The reality that grief is a long journey, and how thoughtful planning and the right support can make it smoother and less overwhelming. How to handle family conflicts over assets or decisions with preparation, boundaries, and professional support to maintain peace. Resources Claire Schwartz on the Web | LinkedIn | Facebook | Email: miriamswellhealing@gmail.com or youcanhealyourgrief@gmail.com Phone: 973-826-2682 Book: Putting out the Fire by Claire Schwartz Schedule a No-Cost Client Consultation Fearless Grieving to Fearless Living 3-Month Portal Program Organizational Support Stacy Francis on LinkedIn | X(Twitter) | Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!…

Financially Ever After Widowhood

1
5 Financial Resolutions for Widows with Natalie Colley 31:00

منذ 17 weeks31:00

31:00

After losing a spouse, how do you regain financial confidence and ensure long-term security? Losing a spouse can leave widows feeling overwhelmed, especially when it comes to finances. But taking control doesn’t have to be daunting—it can be empowering. In this episode, Stacy Francis and Natalie Colley share five key financial resolutions to help widows navigate money decisions with confidence in 2025. From understanding cash flow to making smart investment choices, they break down practical steps for creating financial security and peace of mind. You’ll hear them discuss: Why estate planning mistakes can be costly and how to choose the right executor and attorney to avoid complications. How tracking cash flow (rather than strict budgeting) helps widows feel more in control and prepared for financial changes. The 50/30/20 rule as an easy framework for balancing needs, wants, and savings, ensuring a sustainable spending plan. Helpful budgeting tools like You Need a Budget and Good Budget to simplify tracking expenses without feeling overwhelmed. Why reviewing your investment portfolio is crucial after a spouse’s passing and how to ensure it aligns with your new financial needs. The hesitation many widows feel about managing investments and how taking control of their portfolio leads to greater financial empowerment. Why 80% of widows leave their late spouse’s financial advisor and how to find a fiduciary, fee-only, independent advisor who truly supports your goals. Studies and data - studies show a widow’s income drops on average by 35% after the loss of a spouse, 56% of widows feel less financially secure after their spouse passes away and 80% of widows leave their husband’s financial advisor within one year, often due to feeling unheard or not involved in the relationship. Key financial decisions that need attention sooner rather than later, including tax-saving opportunities widows should be aware of. Resources Natalie Colley on the Web | LinkedIn Recommendations Fee Only Network | NAPFA | Five Financial Resolutions for Widows 2025 | YNAB | Good Budget 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!…

Financially Ever After Widowhood

1
Avoiding Costly Mistakes in Your Estate Planning with Dahiema Grant 42:38

منذ 19 weeks42:38

42:38

Ever wondered if there’s a secret recipe for reducing your tax burden without sacrificing your long-term financial health? Could your estate planning be leaving money on the table? In this episode of Financially Ever After , Stacy Francis is joined by the brilliant Dahiema Grant, CPA and tax expert, to unravel the intricacies of tax planning and estate strategies. From the basics of income taxes and capital gains to the more complex topics like estate taxes and inheritance planning, Dahiema walks us through strategies that can help you optimize your financial future—whether you're a female entrepreneur or someone navigating personal tax scenarios. With practical advice and a clear focus on the green zone of financial health, Dahiema ensures that you don't have to do it alone when it comes to taxes and estate planning. You'll hear them discuss: How understanding tax planning can make a huge difference in your financial future, particularly the difference between income taxes, capital gains, and how each affects your investments. Dahiema explains how proactive planning can help reduce your overall tax burden and maximize your wealth. The importance of estate and inheritance tax planning, and why it’s crucial to understand how your estate will be taxed when it’s passed down. Even if you think your estate is far from the $13.6 million threshold, Dahiema reveals why filing an estate tax return may still be beneficial to capture exemptions that would otherwise be lost. The "portability provision," which allows the surviving spouse of an estate to use the unused portion of the deceased spouse’s estate tax exemption. This little-known rule can provide a significant benefit by increasing the amount a surviving spouse can pass on tax-free, potentially saving millions. How different states have vastly different estate tax rules and exemption limits, and why it’s critical to be aware of these when making estate planning decisions. Dahiema highlights examples like New York’s lower exemption levels and explains why some people choose to relocate to states with more favorable tax policies, like Florida. Why building a team of professionals—including an accountant, tax advisor, and financial planner—can make all the difference when navigating the complexities of taxes, estate planning, and wealth management. You don’t have to go it alone, and Dahiema emphasizes the value of having the right support system. The strategy of gifting assets during your lifetime to reduce your taxable estate. Dahiema discusses how this can be a powerful tool, especially for those concerned about estate taxes, but also explains how to balance gifting with the need to maintain financial security for yourself. Resources Dahiema Grant on LinkedIn I Web Email: dgrant@dsgadvisorycpa.com Phone: 917-309-8574 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!…

Financially Ever After Widowhood

1
Finding Balance in Caregiving with Debbie Weiss 34:16

منذ 21 weeks34:16

34:16

What if learning to say “no” could be the most powerful form of self-care you ever practiced? In this inspiring episode of Financially Ever After , Stacy Francis chats with Debbie Weiss, author of On Second Thought, Maybe I Can and The Sprinkle Effect , about the power of setting boundaries, prioritizing self-care, and living with greater intention. Debbie shares her personal journey of caregiving while pursuing her own growth, offering practical advice for anyone feeling overwhelmed or stretched too thin. You’ll hear them discuss: Why saying "no" can be one of the most powerful forms of self-care, especially for caregivers, people-pleasers, and those who feel stretched too thin. Debbie explains how to recognize when it’s time to decline requests — and how to do it without guilt. How the 24-hour rule for commitments can stop you from over-scheduling yourself. Instead of agreeing on the spot, Debbie suggests giving yourself space to reflect on what truly aligns with your priorities. Why self-care isn't just massages and manicures. Debbie's decision to learn something new during a caregiving crisis led to an unexpected sense of fulfillment and purpose. She shares how learning and growth can be a powerful form of self-care. The hidden cost of attending social events you don’t want to go to. If you've ever said "yes" to a dinner only to regret it the moment you arrive, you'll relate to Debbie's story. Learn how to gracefully say no and avoid the "why did I agree to this?" feeling. How to live intentionally, even when life is chaotic. Debbie shares how she committed to writing her book during one of the most challenging times of her life. Her story shows that even in tough seasons, small, consistent steps can lead to big results. Why taking care of yourself is the opposite of selfish. Debbie reminds us that if you burn out, the people who rely on you suffer too. Her advice will reframe the way you think about self-care. How to break free from people-pleasing tendencies. If you struggle to say no because you don’t want to disappoint others, Debbie’s simple strategies — like not over-explaining your "no" — will give you a new perspective. An inside look at Debbie’s new books, The Sprinkle Effect and its companion workbook. These hands-on tools offer exercises and reflections to help you create a more colorful, fulfilling, and intentional life. Resources Debbie Weiss on the Web | LinkedIn | Facebook | Facebook Group | Instagram | TikTok | YouTube | Maybe I Can Podcast | Email Debbie’s Books: The Sprinkle Effect Book , On Second Thought…Maybe I Can 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!…

Financially Ever After Widowhood

1
[Replay] Honoring Traditions and Making New Ones This Holiday Season with Jordan Schwartz Hendin 39:13

منذ 23 weeks39:13

39:13

Welcome to Financially Ever After Widowhood . As we’re in the heart of the holiday season, we know this time of year can bring both cherished memories and difficult emotions, especially for widows navigating loss. Today, we’re bringing back one of our most impactful episodes from last year, featuring Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin. We hope this special replay offers comfort, guidance, and a reminder that you’re not alone. Thank you for tuning in, and we wish you peace and support this holiday season. Let’s revisit this incredible episode. Jordan draws from her personal experiences with grief, having lost her own mother at a young age and supporting her widowed grandmother through multiple losses. Now a professional coach, she works with women struggling with grief and major life transitions. In this week’s show, Jordan and Stacy explore handling loss and loneliness, honoring traditions, and staying financially sound. The holidays can bring up complex emotions such as sadness, anger, and loneliness. This is normal after a major loss. Avoid unhealthy coping strategies like becoming an "isolator" or "doer." Don't overcommit to events or hide away alone. Reflect on your core values. Focus on traditions that align with what matters most, like family time. Make new memories and experiences, especially with children. Gift experiences rather than material items. Have open conversations with family about your grief. Don't pretend to be okay if you're not. Manage your finances by focusing on your values, not material possessions. Stick to a budget for holiday gifts and activities. You don't have to navigate the holidays alone. Seek support from family or a grief counselor during this difficult time. Resources Jordan Schwartz on Website | Instagram | Email | Phone: 917-947-6037 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!…

Financially Ever After Widowhood

1
Navigating the Holidays: Setting Boundaries and Budgets After Loss with Kim Murray 44:51

منذ 25 weeks44:51

44:51

How can you navigate the emotional complexities of the holiday season, set financial boundaries, and plan for a secure financial future after the loss of a spouse? In this insightful episode, Kim Murray, founder of Widow411 , shares valuable financial strategies and emotional insights for widows. She discusses how to handle holiday spending, set healthy financial boundaries, and plan for long-term financial goals, all while coping with the challenges of grief. You’ll hear them discuss: The emotional pressure to overspend during the holidays and making clear boundaries around gift-giving and social events are crucial. By being intentional about your spending, you can avoid financial stress and emotional burnout during a challenging time. How material gifts or excessive spending cannot heal emotional pain. Kim encourages widows to be mindful of emotional spending during the holidays and to focus on meaningful ways to celebrate without breaking the bank. The importance of "paying yourself first." By automating savings (such as maxing out your 401(k) or contributing to an emergency fund), you ensure that your financial goals are a priority, even before paying other bills. This sets a solid foundation for long-term security. Having separate accounts for specific purposes—such as travel or holiday spending - gives you peace of mind. It helps keep track of your funds and ensures that you don't overextend yourself financially while trying to fund multiple priorities. Planning for future expenses like car maintenance and retirement. Breaking down long-term financial goals into manageable chunks, like setting aside money for a Roth IRA or emergency savings, makes them feel more achievable. The importance of having an emergency fund to avoid relying on credit cards when unexpected expenses arise. This is an essential step in gaining control over your finances and avoiding unnecessary debt. Funding an HSA and how HSAs can be a valuable tool for saving money for medical expenses. HSAs grow tax-free and can also be used in retirement, making them a flexible savings option. Resources Kim Murray on the Web | LinkedIn | Instagram | Pinterest | Email The Ultimate Survival Guide for Widows - helps widows manage and complete the crushing list of to-dos after a spouse dies. It offers step-by-step instructions for essential tasks like managing finances, closing accounts, and navigating Social Security benefits, taxes, and insurance. Practical tools like fillable templates, checklists, and worksheets to simplify complex tasks empower widows to take control and get things done. 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!…

Financially Ever After Widowhood

1
The Election Effect: Navigating Tax Changes and Policy Shifts with Deborah Schaub 40:55

منذ 27 weeks40:55

40:55

What steps can you take to prepare for potential tax changes and secure a financially stable future? In this episode of Financially Ever After Widowhood , Stacy Francis sits down with tax expert Deborah Schaub to break down the complexities of the Tax Cuts and Jobs Act and share actionable strategies to maximize savings and navigate tax planning in a rapidly shifting economic landscape. From understanding current laws to preparing for future uncertainties, this conversation equips you with the tools to make smarter financial decisions today. Listen in as they discuss: Key provisions of the Tax Cuts and Jobs Act, how they impact individuals and business owners, and what might change in the coming years. Why Roth IRA conversions are powerful tools for tax-free growth and how to use them strategically. The importance of analyzing your tax bracket to avoid costly mistakes, such as unexpectedly higher taxes or penalties. Capital gains tax rates: what they are now, what could shift, and how to plan for potential increases. How inflation continues to bite into budgets and the role taxes play in financial planning. Balancing today’s tax advantages with future uncertainties through effective tax deferral or realization strategies. Proactive tax planning tips for individuals and small business owners to save money now and minimize risks later. Resources Deborah Schaub on LinkedIn | CNB Accounting Website Phone: +201-787-6542 Email: cfo@deborahschaub.com Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! TCJA Overview: IRS tax reform…

Financially Ever After Widowhood

1
Estate Planning After a Wrongful Death with Mary Beth Heiskell 38:03

منذ 29 weeks38:03

38:03

What rights do families truly have when a loved one’s death might have been preventable? In this insightful episode of Financially Ever After , Stacy Francis sits down with Mary Beth Heiskell, a seasoned legal expert in wrongful death cases, to unravel the often-hidden financial and legal challenges families face when tragedy strikes. From the rights of estranged family members in estate claims to practical tips on managing assets and legal appointments, Mary Beth shares indispensable guidance to help families protect their financial future and avoid common pitfalls. Listen in as they discuss: How estate rights can affect you. For example, New York state law grants parents, including estranged ones, a potential share of the estate in certain cases, impacting surviving spouses and heirs. When a spouse wants to serve as the estate administrator, certain family members, such as estranged parents, may need to formally approve the appointment. Planning these steps in advance can help avoid disputes and smooth the process for surviving family members. Steps for proactive asset management, such as transferring ownership of specific assets—such as vehicles, firearms, or real estate—before a loved one’s passing can greatly simplify the estate process for survivors. Navigating the complex landscape of wrongful death and estate administration requires specialized knowledge, making expert assistance essential to avoid costly mistakes. Resources: Mary Beth Heiskell on LinkedIn Email: mbheiskell@gmail.com and info@healthcarepathfinder.com NY - Advance Directories - Make your wishes known and honored NY - Appoint your healthcare proxy 9.11 World Trade Centre Health Program WTC Victim Compensation Fund Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com 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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