Complete Estate Planning

My Parents Refuse to Write a Will — What Happens When They’re Gone?

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Most people know they should have a will, but over half of Americans never get around to it. In this episode, Nick breaks down what really happens when someone passes away without one, and the difficult complications that follow. He also shares guidance for those trying to help aging parents who refuse to finalize their wills and explains how his firm helps families navigate these complex situations.
Here’s some of what we discuss in this episode:
⚠️ Understanding the Risk: what happens legally and emotionally when someone dies without a will
❌ Why People Delay: common excuses and misconceptions that keep families unprepared
🏛️ Dying Intestate: how the state decides who’s in charge and who inherits
📜 Executor & Probate: what the court process looks like and why it’s more complicated without a will
💬 Guidance for Families: how to help loved ones plan ahead, or handle it when they don’t
 
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Beneficiaries, TODs, PODs, and Joint Ownership, How They Interact With Wills and Trusts

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Even the best-written will or trust can be undermined if your beneficiary designations, account titles, or ownership structures aren’t in sync. In this episode, Nick breaks down how these critical details interact and why they ultimately decide where your assets end up. Learn how to avoid common pitfalls and ensure every part of your estate plan works together seamlessly, so your wishes don’t fall by the wayside.
Here’s some of what we discuss in this episode:
📄 Coordinating Documents: making wills, trusts, and accounts work together
🧾 Beneficiary Priority: why designations override your will or trust
🏛️ Will-Based Planning: using beneficiaries to avoid probate delays
👥 Joint Ownership Risks: why adding names can create hidden problems
⚠️ Common Mistakes: outdated or missing designations that derail plans
 
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Phone: 513-463-6789
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Getting Hospitals & Banks To Actually Honor Your Estate Plan

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Navigating the world of power of attorney isn’t as simple as waving a piece of paper, institutions don’t always just take your word for it. Nick breaks down what you need to prepare in advance and shares practical tips to help you turn that “paper” into real power. Don’t let red tape slow you down, get your ducks in a row now, so you’re ready when it matters most.
Here’s some of what we discuss in this episode:
🍬 Candy Tax: Nick’s take on parents “inspecting” their kids’ candy a little too thoroughly
⚖️ Power of Attorney Problems: why having the document isn’t always enough
🚧 Common Roadblocks: what stops banks and hospitals from honoring your authority
🧩 Overcoming Challenges: practical steps to make your POA actually work
🧠 Plan Ahead: preemptive measures and smart tips to avoid future hassles
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com
Schedule your no-cost consultation: https://cincinnatiestateplan.com/contact/
 
Join us for our next workshop: https://cincinnatiestateplan.com/workshops/
Check out our free resources here: https://cincinnatiestateplan.com/free-resources/
 
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Choosing Which Child Should Be Your Executor

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In today's episode, we're tackling a common dilemma: "How do you pick the right executor when you have multiple children?" This question often arises in families with multiple adult children, where feelings of fairness and equality are important. Nick shares his insights on the pros and cons of naming co-executors and why assigning the job to someone capable is essential for a smooth estate process.
Here’s some of what we discuss in this episode:
📝 Executor Role: It's about assigning a responsible job, not showing favoritism
⚖️ Co-Executors: They promote transparency but can complicate the process
💡 Prioritize: Focus on getting the job done, not on avoiding hurt feelings
💸 Family Conflict: Inheritance distribution, not the executor role, is often the real source of tension
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com
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Springing vs. Immediate Power of Attorney – Watch Out For The Wrong Choice

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When it comes to estate planning, one document can make all the difference in protecting your family and finances: the power of attorney. But not all POAs are the same. In this episode, Nick explains the key differences between a springing power of attorney and an immediate power of attorney and why choosing the wrong one can leave your family frustrated, delayed, and even financially vulnerable.
Here’s some of what we discuss in this episode:
📝 Why powers of attorney aren’t all created equal
⚡ The convenience of Immediate POA
⏳ The delays and hurdles of Springing POA
👨‍👩‍👧 The role of trust and family dynamics when making a decision
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com 
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Who Chooses Your Kids’ Guardian If You Don’t?

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When parents pass away without naming a guardian, who decides what happens to their children? In this episode, Nick explains why leaving this decision blank in your will—or not having a will at all—can leave your kids’ future in the hands of the probate court.
Here’s some of what we discuss in this episode:
👶 Not naming a guardian leaves decisions to the court
📝 A “C+ choice” is better than no choice at all
🔄 Use a reverse draft to narrow guardian options
⏳ Revisit decisions every 3–4 years
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com
Check out our free resources here: https://cincinnatiestateplan.com/free-resources/
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Why Some Inheritances Happen Early

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When parents or spouses pass down an inheritance while they’re still alive, families can quickly find themselves in tricky territory. Parents helping with a down payment or a loan to a child can feel generous in the moment, but often raises hard questions. What’s fair? How do we keep the peace? In this episode, Nick shares how to make sure today’s decisions don’t spark tomorrow’s family feud.
Here’s some of what we discuss in this episode:
🏡 Why many parents help with down payments today
⚖️ How to keep inheritance fair among siblings
❤️ Why keeping peace sometimes matters more than “fairness”
📜 Why clear documentation avoids family conflict
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
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Dementia & Estate Planning: How Late Is Too Late?

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More families are facing the difficult reality of cognitive decline in parents or loved ones. What happens if dementia sets in before an estate plan is updated? Can changes still be made, and how do you know when it’s too late? In this episode, Nick breaks down testamentary capacity, the legal standard for whether someone can create or update a will or trust, and shares what options families have when a loved one begins showing signs of decline.
Here’s some of what we discuss in this episode:
📑 How attorneys test for mental capacity
🚫 Why hiding problems from your lawyer backfires
⏰ Why estate plan checkups are essential
🛡️ Steps to ensure documents are legally airtight
🧠 What “testamentary capacity” really means
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com
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When Your Children Are Bad with Money – What You Can Do About It?

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Leaving an inheritance to a child who struggles financially can feel like walking a tightrope. You want to provide support, but you don’t want your hard-earned legacy wasted, mismanaged, or taken advantage of. In this episode, Nick unpacks practical strategies to help parents strike the right balance and explains how to create a plan that protects your children while preserving your peace of mind.
Here’s some of what we discuss in this episode:
🚧 Why trusts provide guardrails for children with money struggles
🎯 Using age milestones or tiered distributions
💵 Monthly stipends to prevent lump-sum waste                                                                               
🛡️ Protections against divorce, creditors, or bad influences
🔑 Balancing structure with flexibility for the future
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com
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Do I Need a Trust or Is the Lawyer Just After Money?

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In this episode, Nick tackles a listener question about estate planning: Is it necessary to set up a trust to impose conditions on how an inheritance is distributed? Is their lawyer just trying to upsell them with unnecessary services? Nick breaks down when a will is sufficient and when a trust becomes essential for controlling the inheritance process.
Here’s some of what we discuss in this episode:
📝 Inheritance Conditions: Why certain conditions need a trust
💵 How a trust can protect your wishes
👨‍👩‍👧‍👦 Tailoring plans to your unique family situation
🤔 What to expect during your first meeting with an Estate Planner
 
Our website: https://cincinnatiestateplan.com/
Phone: 513-463-6789
Contact our team: info@CincinnatiEstatePlan.com
Check out our free resources here: https://cincinnatiestateplan.com/free-resources/
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