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Aug. 11, 2026

Protect Your Legacy: Wills, Trusts & Small Business Success with Local Leaders

Protect Your Legacy: Wills, Trusts & Small Business Success with Local Leaders
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Season 2

Season 2, Episode 2 of MedicareHour & More with Peter features Peter Patel of Integrity discussing why wills, trusts, and estate planning are essential for protecting your family, preserving your legacy, and creating opportunities for insurance agents. Plus, Vola Rossi, owner of Let's Party Entertainment, shares her entrepreneurial journey and the benefits of the Chino Valley Chamber of Commerce. Expert insights, business growth, and community connections—all in one episode. We Medi CARE!

MedicareHour & More With Peter! is broadcast live Tuesdays at 9AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). MedicareHour & More With Peter! TV Show is viewed on Talk 4 TV (www.talk4tv.com).

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WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial, legal, counseling,

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professional service, or any advice.

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You should seek the services.

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Of confident professionals before applying or trying any suggested ideas.

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Attention individuals, families and caregivers. It's Medicare Hour and More

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with Peter right here on K FORHD Radio. This is

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the podcast for all types of insurance solutions while specializing

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in Medicare. Because we Medicare. Here's your host, Peter R. Joseph.

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Hey, good morning, good morning, good morning. Great to see

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you all this morning. Just want to give a couple

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of announcements real quick. We are live on Facebook Live

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Joseph Insurance Broker, LLC. We're also live on our YouTube

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channel at Medicare Minute with Peter.

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You can find us there.

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We are also on podcasts with Apple and the iHeartRadio

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on Thursdays, you can catch us after the show is

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recorded and then last but not least, K four HD Radio.

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You can download the app or go to KFOURHD dot

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com and watch us live there and you can call

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our text me actually text me is better. Any questions

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and we will answer them live. Nine oh nine two

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one seven two six three zero. Please do and we

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will answer your questions live. We've got a great show

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for you guys this morning. We've got a couple of

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great guests. Vola Rossi a great friend of mine. I've

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known her for years, owner of Let's Party Entertainment and

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she's also part of the local Chamber of Commerce. And

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then Peter Patel, he's a good friend of mine as well.

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He's a realtor locally licensed agent and he's gonna be

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talking to us about trust and will's a very important topic,

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especially for all of us, no matter what age you are.

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Hopefully you get those things in place for yourselves and

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your family. But just before we start, you know, I

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always have to mention sports because that's me. I'm the

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big sports guy. And it's so excited because the Dodgers

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finally won last night, broke that losing streak and it

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is football season. I was excited to watch that Hall

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of Fame game. I hope you guys tuned in for

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a little of it. It was actually an exciting game,

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and my engineer and I were just talking about how

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loose they were out there, and I think it's because

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there's no pressure, it's preseason. Guys were just having fun

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out there. So that was very, very awesome. So anyways,

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let us get on to our first special guest, Vola Rossi.

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Vola, I see that you're on.

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Good morning, Peter.

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Hey, Vola, how are you.

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I'm doing great. How about yourself?

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I'm doing well. I'm doing well.

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I'm so glad you made the time to come on

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our show this morning. I've been I've been trying to

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get you on for a long time, so you'll be fine.

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Don't worry about it, all right, So just give us

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a little bit of background of who you are. You know,

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I did mention you're an owner of a shop out

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here in it's in Chino Hills, right or Gino, No,

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it's in China.

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It's on the target spectrum.

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Yeah, okay, yeah, all right.

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Do you want to mention a little bit about like

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how long it's been around and what it's actually doing.

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Well, if I tell you how long it's been around,

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it means it's dating me. But but yes, we've actually

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been around for over twenty years. I've been doing business,

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but I've been at the Target Spectrum shopping center for

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going on five years. So it's a floral gift shop

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and event planning. So we do everything from planning your

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small parties, events to weddings. We do everything from catering

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to staffing to rentals florals, so we're pretty much like

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a one stop shop for all your IT and catering

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needs and stuff.

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Yeah, and so if you guys are new to our show,

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her info is scrolling on the bottom, so you can

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always find her at that website Let's party now dot net.

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It's got every information piece that you would ever need to.

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You can actually shop online right like you can make

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it absolutely yeah.

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Yeah.

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The only thing you can't shout for is florals because

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it is we're a flower shop. We're not one of

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those like you know. We make seventy four of the

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same items and stuff, so we're very customized. But we

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do have a lot of things that are ready to

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go that have already been designed and set for you.

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So if you have that last minute birthday or a company,

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you know, your boss's birthday, you don't want to forget

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that you know those things are, Yeah, we have lots

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of stuff that's ready to go as well.

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And then is there an area that you cover?

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Is it just all southern California or is it like

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how far out do you go?

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You pay, We'll go wow, Okay, I got very cold.

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No, but yeah, most of the time, you know it's

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but as far as like events and stuff, we travel everywhere.

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So if you guys don't know, Vola does a lot

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of events for our local Chamber of Commerce, which I'm

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actually getting back involved with. I just met with Zev

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a couple of weeks ago. So let's talk about like

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how small.

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Businesses use you guys.

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Is it pretty easy to reach out to you? What

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kind of like events do you advise small businesses to

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reach out to you for?

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Actually any type of events. So even if it's and

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it's one of those things that people don't really realize

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you need a florist or a gift shop or until

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you actually are in that position, but if you think

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even little things you as an insurance agent, let's say

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you land a great, big client, whatever you want to

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send a thank you gift, you do you know, there's

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flowers for every occasion, whether it's you know, unfortunately, people

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passing sympathy arrangements, birthdays, something to celebrate their anniversaries. You know,

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it's not just personal things. It's also business items and

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we do like business gift baskets things like that. So

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you would come and you know, give me a stack

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of your business cards and you'd say, hey, well I

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need this going out. This is a new client real estate,

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does it for a lot They just closed a home

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or or closed a deal or what have you, And

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they're like, hey, we need this arrangement set out, even balloons,

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you know, stuff like that, and then we attach your

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card to it with whatever note you want and it

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goes out and we deliver it for you.

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So that it's nice.

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Yeah, no, it is.

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And we've we've actually used ball quite a bit. Unfortunately

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in the medicare space, we've got a lot of older

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folks and they pass away and so we definitely want to,

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you know, do something special for them.

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So thank you so much.

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Her floral arrangements are beautiful, hands down that she's probably

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one of the best out here.

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So you know, if you want to use her, let's party. Now.

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Dot net is where you go.

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So what made you go into this business, Like, obviously

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this is kind of a niche company and a niche business,

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So what made you go on this journey?

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Well, back in the day when I got married a

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million years ago, thirty four years ago, I actually was

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planning my own wedding out here, which my reception was

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at here at a Prodo golf course, which I recently

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ironically just did the Business Awards dinner there, and that

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was just so so surreal because we just like I

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hadn't been there in quite a bit as far as

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to do a large event, and so I'm like, hey, here,

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I am doing this again. So it was it was

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kind of fun, but I was looking for people to

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for help, and there wasn't that type of service at

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that time unless you were one of the elite. You know.

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I didn't have wedding coordinators. You didn't have event coordinators

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back then unless you were the top of the top.

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And it was like, oh all right. Even then, it

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was like very few and foreign between. So I did

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everything and then I thought to myself, you know, this

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would be kind of crazy, but I do this for

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somebody else.

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So I started doing it.

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For you know, friends and family and doing little events

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and stuff, and honestly it just grew from there.

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Wow, it really did.

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And it was just like that self, that that gratification

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to have somebody enjoy their own event for a change,

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because I know what I went through just to do

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my wedding and actually be in my wedding. You know,

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it's it's it's difficult, and it was one of those

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things where I just said, you know, it's it's fun.

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It's fun, and it's very gratifying to be able to

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have them enjoy their event, enjoy what they're doing, and

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be a part of the celebration as opposed to being

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in the you know, the vaccines you know.

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Yeah, yeah, very cool, very cool.

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Well let's transition a little bit to the Chamber of Commerce.

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Obviously you're on you're on the book and Foundation. Are

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you an ambassador?

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I am? I am.

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I'm an ambassador as.

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Well personal of all hats all right, so crazy yeah, yeah, seriously. Well,

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and we used to be part.

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Of a B and I group if you guys don't know,

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B and I was a business networking group. That's how

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we initially met. So that's that's awesome.

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So why should because we have small businesses.

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That listen in why should a small business get involved

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with the Chamber of Commerce?

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You know, I get asked that a lot, and I'm

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going to tell you the same thing is connections, connections, networking.

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I don't think a lot of us business owners know

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what we're getting into, not in a sense of not

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like you know, but you don't understand the value of

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your business till you see what the value is and

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other people's businesses with you. And I think the connections,

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the camaraderie, just knowing kind of like what I just

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explained earlier, Like you know, maybe a dental office would

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be like, well, we don't we don't need a florist

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or we don't need an event coordinator on a daily basis.

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But you know what, when they're top client, or their

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their medical rep comes in or things like that that

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they're doing and they want to send a small gift,

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how easy is it for them to pick up the

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phone and say, hey, Wela, can you send this over

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to the And those are the different things, you know,

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when they're doing their annual Christmas parties, when they're doing

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their you know open we do all of through the Chamber.

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I do all of the ribbon cuttings for the City

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of Chino and Chinno Heals. So that's that's part of

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my you know, contribution both to the city and our

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local community our business growth, just to make sure that

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they know that they do have that support for sure.

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For sure, and.

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What kind of I guess, like, how easy is it

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to join the chamber? Is there a cost to it?

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You know, like anything that would be helpful for people

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out there? There is?

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There is definitely a cost to it. It's an annual

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fee depending on the size of your business and such.

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That's all the logistics part. But if you go on

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Tunabali chamber dot com, you can go in there, to

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the to the app, you can even do it. The

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advantage is you honestly get marketing with this. I mean

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you can put up if I wanted to, I can

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get on there and go and say, hey, you know

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what I need a an air conditioning person. I get

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on there and look at our members and and that's

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the other thing. If we just focused as members on

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using our own community and our own stuff, imagine how

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much more business we give to our own community. And

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that creeds, you know, again, that camaraderie, that that closeness

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and you know, one person does it, the other person

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does it, and then they pass it along and you

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know that's that's really just the basis of the entire thing.

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It's it's a.

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Networking very cool, very cool, but it.

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Is not a get rich quick scheme. I'm to tell

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you that right now. You do have to put in

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your work. You have to be the face of your company.

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You have to be out there representing. And like I've

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always said, when you're top of mind, when you're in

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people's faces all the time, you become eventually top of mind.

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And that's what gets your business going. You can't just

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sign up and throw in your money and then expect,

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you know, millions of dollars of customers coming in because

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it's not going to happen.

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Would have done it again?

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No, really, Now, it takes a long time.

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You got to develop those relationships and those friendship I know. Yeah,

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I'm my first client is actually from the Chamber. So

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I did a lot of good for my business, especially

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and being I did too, it helps, especially because it

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was around COVID, so yeah, easier to connect with evil

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on zoom. So yeah, but let's let's kind.

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Of pivot to his last part, what do you do

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for film?

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Bro?

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Know you said you're married. Do you have any kids?

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I do? I do.

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I have a twenty nine year old and a thirty

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year old. My thirty year old, which is kind of

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weird because I'm only twenty nine. So that's funny how

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that happened. My thirty year old is married. My daughter

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in law's amazing. She is a pharmacist, she just graduated.

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And my son is an HR and my other son

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is works for the Orange County Sheriff's Department. Wow. So yeah,

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I'm where.

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We go to the river.

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We have a boat, we go to the we go

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to have a sue a lot for vacations. My family

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are hunters, so they you.

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Know, I know, they love to do Oh.

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Yeah, yeah, wow, Okay, you know it's that.

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Middle Eastern and US right.

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I love the fact that you guys are big Dodgers

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and Lakers fans.

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So yeah. Oh yeah.

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My husband is dev Yes, we do ow another company

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as well, so yeah, and his his logo is definitely

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the Lakers Country.

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Yeah, I could tell.

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I know.

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All right, Well, let's kind of end on this note.

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What's the best bone number to reach out to?

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You guys.

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The shop number is nine oh nine six two seven

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zero one five to one, and or you can email

287
00:14:11.960 --> 00:14:15.600
me through social media as well. We have a Facebook

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page on Instagram. It's all in your let's party now.

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But yes, even if you are planning an event and

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you just need help, I'd be more than happy because

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you know, a lot of people don't realize they need

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a coordinator till it's too late, right, you know, and

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you end up spending nicol and diming yourself for everything.

294
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So we could definitely go over your event and see

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if it's a good fit.

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For you and Bullet, I mean she she asks for

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your budget. She stays very close to what you guys

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ask for, so yeah, no, she's wonderful in that way.

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All right, Well, thank you so much.

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I know you are nervous coming on, but I appreciate

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you so much, and I appreciate our friendship. Thank you

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so much for making the.

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Time with this.

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Well, Peter, thank you so much for inviting me. I

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really had a great time, and I hope everyone that's

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just something a little out of it.

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Yeah for sure, all right, take care of it.

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Wonderful day. Thank you you as well.

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Bye. But but.

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All right, that's my good friend Vulla. And uh, you know,

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if you've just kind of tuned into our show recently,

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you're like, well, what does that have to do with

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medicare and insurance? And while we do all things on

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this show, we talk all things insurance, and we want

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to bring on small businesses that we do business with ourselves,

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and so, like I shared, you know, we've got clients

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who pass away and we use Vola for sending flooral arrangements,

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which she does a wonderful job on. We also use

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her for you know a lot of times I use

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my time to coach youth sports, and so right now I'm.

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Coaching youth basketball.

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I've coached soccer in the past, and if kids have

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a birthday coming up, you know, she arranges balloon arrangements

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for those kids. So we use her for quite a

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bit of things as a small business are so I

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you know, I would not bring anyone on that we

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don't trust inherently. And like I said before, she's one

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of the best. She's here in China and China Hills,

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but she does cover all southern California. So I encourage

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you to reach out to her for any product needs.

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She also caters. Her food is excellent as as she

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mentioned on the show. She is Middle Eastern, just like me.

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If you don't know, my family's from Egypt, she's Lebanese,

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so we have that connection in common as well.

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So I'm glad that you guys got just a little

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tidbit of.

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Vola and everything that she does. Let me go ahead,

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and we're waiting on our second guests, So while we

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wait for Peter to come on board, just kind of

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share a little bit about Peter Patel. We just connected recently.

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Like I said, he's a licensed insurance agent. He's also

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a realtor even offers mortgage help, so so he's kind

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of a man of all trades and he's very huge

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in this community. A lot of people know him and

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trust him, and so we kind of just started on

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our endeavor of doing trusts and wills for our clients.

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Now.

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The reason we're doing that and taking that on is

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that if you don't know, trust and wills are very

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expensive if you go through an attorney. Attorneys usually cost two, three,

351
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sometimes four thousand dollars to write up the trust for

352
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you guys, So this is very inexpensive. This software program

353
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has been written by attorneys from all fifty states, so

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it's legitimate and it's seen and reviewed by an attorney.

355
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If you are looking to do something more complicated in

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terms of like a family trust that's irrevocable, we do

357
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connect you with attorneys that will charge you an hourly fee,

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but at least you'll have that peace of mind that

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you are doing things in the right manner. So we'll

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be sharing a little bit of information on that. I'm

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going to go ahead and share my screen here again.

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So this is our.

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00:18:13.480 --> 00:18:16.000
Website and we show this a little bit last week.

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00:18:16.720 --> 00:18:20.000
You'll find all our information here. A couple of things

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00:18:20.039 --> 00:18:22.079
I want to point out too, is that if you

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00:18:22.200 --> 00:18:25.920
click join our team, Yes, we are always looking for

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agents and brokers to join our agency. You would just

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00:18:30.240 --> 00:18:33.359
click that and then there's a sheet that you would

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fill out right here, so you put your information and

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00:18:38.279 --> 00:18:42.559
that comes directly to us. The other thing to keep

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in mind, let's here if you click get a quote,

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then you can actually send this information to us, and

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we have all the products that you can choose from Medicare,

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advantage supplement, health insurance, long term care, auto, property, small

375
00:19:03.839 --> 00:19:05.839
business group. And I mean we're a one stop shop

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00:19:05.880 --> 00:19:09.839
as well. You just click the item that you're looking

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00:19:09.920 --> 00:19:13.119
for help on and we will reach out to pretty

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00:19:13.160 --> 00:19:15.400
quickly or admin will reach out to you and we'll

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give you the quote and work with you in that process.

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00:19:18.480 --> 00:19:21.599
So all this is free to you to access, and

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we educate you guys. We don't push anything onto you, guys.

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We want to make sure that you're on the best

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path and you've got the best plan for you. All right,

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I'm going to come back here to our studios, so

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00:19:36.000 --> 00:19:39.359
it doesn't look like Peter's on yet. So the other

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thing I want you guys to keep in mind that

387
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AEP annual Enrollment period is just around the corner for

388
00:19:45.119 --> 00:19:50.200
Medicare that opens up October fifteenth through December seventh. That

389
00:19:50.319 --> 00:19:54.880
is an opportunity for people to change their Medicare advantage

390
00:19:54.880 --> 00:19:59.720
plan once a year, and so you're gonna be bombarded

391
00:19:59.720 --> 00:20:03.759
with phone calls, ads, stuff in the mail. People are

392
00:20:03.799 --> 00:20:06.200
just going to continually try to reach out to you.

393
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You want to get with a trusted agent like myself,

394
00:20:09.599 --> 00:20:12.359
who knows the ins and outs of Medicare, who knows

395
00:20:12.440 --> 00:20:15.440
the plans that are changing, who knows you know the

396
00:20:15.480 --> 00:20:18.880
benefits that are going to be cut from certain plans,

397
00:20:19.319 --> 00:20:21.599
the plans that are exiting the market that could affect

398
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you personally, so we help navigate that all for you. Again,

399
00:20:27.279 --> 00:20:31.039
we educate first. That's our motto is we medicare and

400
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we strive to get you through the education process and

401
00:20:35.720 --> 00:20:39.119
then you know, you decide for yourselves what's the best

402
00:20:39.160 --> 00:20:41.680
option for you. We lay that out for you and

403
00:20:41.720 --> 00:20:43.880
then we walk you through that and then sign you

404
00:20:43.960 --> 00:20:47.279
up for the appropriate plan. So again we're not a

405
00:20:47.400 --> 00:20:51.799
salesy type of agency and brokerage. We will even review

406
00:20:51.880 --> 00:20:53.960
the plan you're currently on and make sure that you're

407
00:20:54.000 --> 00:20:56.319
on the right plan, and if you are, we'll leave

408
00:20:56.319 --> 00:20:58.640
it at that. We want to make sure that you're

409
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well taken care of. That's the most important thing that

410
00:21:01.920 --> 00:21:06.440
we really care about. So the other thing to keep

411
00:21:06.480 --> 00:21:10.039
in mind too, is that in September, you get what's

412
00:21:10.039 --> 00:21:13.880
an annual notice of change from the carrier that you're with. So,

413
00:21:14.640 --> 00:21:17.279
you know, let's say you're on a United Healthcare plan.

414
00:21:17.720 --> 00:21:20.079
United Healthcare will send you in the annual notice of

415
00:21:20.240 --> 00:21:23.880
change showing you your plan that you're currently on, and

416
00:21:23.920 --> 00:21:26.400
then the benefits that are changing for next year. Like

417
00:21:26.440 --> 00:21:28.880
I said, benefits change year and in year out they

418
00:21:28.920 --> 00:21:32.680
don't stay the same. Depends on the carrier too. Some

419
00:21:32.839 --> 00:21:37.799
will allow you to have benefits increase, and then there

420
00:21:37.839 --> 00:21:40.680
are some carriers or insurance company out there that will

421
00:21:41.680 --> 00:21:44.359
cut those benefits out for the following year. So you

422
00:21:44.400 --> 00:21:46.160
want to make sure that you're well aware of what

423
00:21:46.200 --> 00:21:48.480
you're getting and what you're not getting for the following year.

424
00:21:49.160 --> 00:21:51.440
So look for those notices in the mail, do not

425
00:21:51.519 --> 00:21:54.640
throw them away, read them over. If you don't understand

426
00:21:54.640 --> 00:21:56.640
what it's saying, you know that. Again, that's where you

427
00:21:56.680 --> 00:21:59.519
reach out to a brokerage like ourselves that can help

428
00:21:59.559 --> 00:22:03.559
you understand what the notice is talking about. And then,

429
00:22:04.039 --> 00:22:06.240
last but not least, you know, just a reminder if

430
00:22:06.279 --> 00:22:08.920
you are turning sixty five, you want to start the

431
00:22:09.000 --> 00:22:12.480
process three months prior to your sixty fifth birthday. And

432
00:22:12.559 --> 00:22:16.240
then you want to actually start the process with Social Security.

433
00:22:16.680 --> 00:22:18.920
So you can either go into your local Social Security

434
00:22:18.920 --> 00:22:21.160
office and fill out a form for Medicare Parts A

435
00:22:21.240 --> 00:22:24.359
and B, or you can go online to SSA dot

436
00:22:24.400 --> 00:22:27.839
gov create an account there. We do have a tutorial

437
00:22:28.000 --> 00:22:30.960
video on our YouTube channel Medicare Minute with Peter that

438
00:22:31.000 --> 00:22:33.480
you can check out to help you navigate that and

439
00:22:33.960 --> 00:22:36.400
answer any questions you might have in terms of signing

440
00:22:36.480 --> 00:22:37.480
up for.

441
00:22:39.279 --> 00:22:41.960
Medicare. So we have those forms available as well.

442
00:22:42.000 --> 00:22:44.119
We can email those to you or mail them out

443
00:22:44.160 --> 00:22:46.519
to you so that you're not having to search the

444
00:22:46.599 --> 00:22:51.920
internet for those forms. All right, So I'm going to

445
00:22:51.960 --> 00:22:54.640
come back to sports again until we're went for Peter here.

446
00:22:54.720 --> 00:22:59.119
So I just want to share quickly that I am

447
00:22:59.200 --> 00:23:02.839
excited about this Dodger season. I'm a huge Dodgers fan.

448
00:23:03.000 --> 00:23:05.480
They can do something very special this year and three pet.

449
00:23:05.920 --> 00:23:07.799
I know there's a lot of haters out there saying,

450
00:23:07.839 --> 00:23:10.759
you know, it's not fair, that's why the lockout's going

451
00:23:10.799 --> 00:23:14.079
to happen, and I sure hope it doesn't. But again,

452
00:23:14.759 --> 00:23:17.079
you know, Dodgers are doing what they think is best

453
00:23:17.119 --> 00:23:20.519
for their players. That's why people come to the team.

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00:23:21.200 --> 00:23:23.960
Most owners out there have the money to pay the players,

455
00:23:24.000 --> 00:23:26.720
trust me, and yet they just choose to hoard that

456
00:23:26.799 --> 00:23:30.599
money to themselves or you know, make TV media deals.

457
00:23:31.799 --> 00:23:34.039
If they followed the same script that the Doughters did,

458
00:23:34.160 --> 00:23:36.759
you know they would do well. And here's an example.

459
00:23:36.839 --> 00:23:41.480
The Mets are a team that pays millions of dollars

460
00:23:41.480 --> 00:23:43.680
for players. They're up there with the Dodgers, and yet

461
00:23:43.720 --> 00:23:46.440
they're in last place. And the reason they're in last

462
00:23:46.440 --> 00:23:49.480
place is their management just doesn't know how to manage

463
00:23:49.480 --> 00:23:51.839
their team, and they don't have a very good farm

464
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system that they've cultivated like the Dodgers have. And so money,

465
00:23:55.720 --> 00:23:58.319
it's not all about the money. It's about the leadership

466
00:23:58.359 --> 00:24:02.240
that's in place to make that team successful. So just

467
00:24:02.279 --> 00:24:04.200
like in small businesses, right, I mean, you have to

468
00:24:04.240 --> 00:24:07.000
have the right leaders in place to make your business successful.

469
00:24:07.359 --> 00:24:10.000
It's not just about getting all this money or having

470
00:24:10.079 --> 00:24:12.440
this money to spend. You can always spend it the

471
00:24:12.480 --> 00:24:15.359
wrong way and your business will falter. So it's the

472
00:24:15.359 --> 00:24:18.519
same thing with sports. But anyways, like I said, they

473
00:24:18.559 --> 00:24:20.960
could do something very special. I hope they do. I

474
00:24:20.960 --> 00:24:26.359
think that would be amazing. First National League team to threepeat,

475
00:24:26.400 --> 00:24:31.400
that would be an unbelievable feat. But we'll see what happens. Again,

476
00:24:31.440 --> 00:24:34.559
I'm also excited about football season. There's a lot of

477
00:24:34.559 --> 00:24:37.440
great teams out there. It should be pretty competitive for

478
00:24:37.480 --> 00:24:39.599
the Super Bowl this year. I love the fact that

479
00:24:39.640 --> 00:24:42.640
it's out here in LA So I'm excited about that

480
00:24:42.960 --> 00:24:46.400
and hoping on my rams make it like they did

481
00:24:46.400 --> 00:24:47.880
a couple of years ago. When it was in La

482
00:24:47.960 --> 00:24:51.079
So we'll see what happens. But you know, whatever team

483
00:24:51.079 --> 00:24:53.480
you're in for, I hope you enjoy this football season.

484
00:24:53.960 --> 00:24:56.559
I'm just glad it is the fall. I'm hoping the

485
00:24:56.559 --> 00:24:59.920
weather turns and starts getting cooler. It has been extreme,

486
00:25:00.480 --> 00:25:05.160
extremely hot out here in California, muggy, just strange weather,

487
00:25:05.200 --> 00:25:07.640
and it's been close to one hundred degrees the whole

488
00:25:07.640 --> 00:25:11.279
month of July. So not loving that weather. Hoping that

489
00:25:11.319 --> 00:25:13.720
it gets cooler. They are saying that it's gonna be

490
00:25:13.720 --> 00:25:16.519
el Nino season this year out here, so we'll see.

491
00:25:16.960 --> 00:25:20.119
You know, obviously California needs that rain, but not too

492
00:25:20.200 --> 00:25:23.720
much and so hopefully it doesn't cause a lot of damage.

493
00:25:23.759 --> 00:25:25.759
You know, Obviously I'm in the insurance space, so I'm

494
00:25:25.839 --> 00:25:28.039
keeping an eye out on that because we do homeowners

495
00:25:28.079 --> 00:25:32.680
insurance and flood insurance, and we definitely don't want insurance

496
00:25:32.720 --> 00:25:35.519
companies to exit the market because of those kind of

497
00:25:35.599 --> 00:25:38.599
natural disasters. So we'll keep you appraised of all that

498
00:25:38.799 --> 00:25:41.799
on our show as we get into the fall season.

499
00:25:42.359 --> 00:25:44.480
So let me I'm going to text Peter here. He

500
00:25:44.519 --> 00:25:54.400
should be on by now. Let's see what's going on. Oh,

501
00:25:54.440 --> 00:25:56.680
he's coming on. I think he's trying to find a link.

502
00:25:57.200 --> 00:26:00.920
All right, So as we wait for Peter, if you

503
00:26:00.960 --> 00:26:03.599
have any questions, you can text me at nine o

504
00:26:03.759 --> 00:26:07.039
nine two one seven two six three zero and we

505
00:26:07.119 --> 00:26:10.160
will answer those questions live on our show. Again, you

506
00:26:10.200 --> 00:26:12.799
can text us at nine oh nine two one seven

507
00:26:13.039 --> 00:26:16.960
two six three zero and we will answer those questions live.

508
00:26:17.279 --> 00:26:22.440
Right now, I got one question and I won't name

509
00:26:22.519 --> 00:26:25.160
the person just because I don't want to put them

510
00:26:25.160 --> 00:26:28.400
on the spot, but they're asking me, you know, do

511
00:26:28.440 --> 00:26:31.359
you do more than just medicare and health insurance. Yes,

512
00:26:31.440 --> 00:26:34.799
we just talked about that earlier in the show. We

513
00:26:34.880 --> 00:26:40.519
do home insurance, earthquake insurance, auto insurance, small business liability,

514
00:26:40.960 --> 00:26:44.480
business owners policies, we do life insurance. We do annuities,

515
00:26:44.799 --> 00:26:48.079
annuity rollovers. You know, some of you might have all

516
00:26:48.160 --> 00:26:51.279
four to one k's where you want to have that

517
00:26:51.359 --> 00:26:54.400
stability of the market, you know, and you're looking at

518
00:26:54.680 --> 00:26:57.799
six sometimes seven percent on annuities, believe it or not,

519
00:26:58.400 --> 00:27:01.920
and it's not guaranteed on most products. But there are

520
00:27:01.960 --> 00:27:05.279
some products out there that do guarantee that return. And

521
00:27:05.720 --> 00:27:07.400
you know I always ask my clients, you know, you've

522
00:27:07.440 --> 00:27:09.839
got your hands in the stock market and real estate

523
00:27:10.240 --> 00:27:15.079
and investments. So how much of that money would you

524
00:27:15.200 --> 00:27:18.519
want to put away in a secure spot. It doesn't

525
00:27:18.559 --> 00:27:21.279
have to be you know, millions of dollars if you're

526
00:27:21.319 --> 00:27:25.160
investing all that. Usually we have clients who just put

527
00:27:25.200 --> 00:27:27.559
one hundred thousand dollars into annuity because they want that

528
00:27:27.640 --> 00:27:30.440
money to be safe and guaranteed to get a return

529
00:27:30.480 --> 00:27:33.480
on investment as opposed to Yeah, the stock market's doing

530
00:27:33.519 --> 00:27:34.880
really well, and it has been doing really well for

531
00:27:34.920 --> 00:27:39.599
the past probably eight years now that you know, we

532
00:27:39.759 --> 00:27:42.480
know in terms of the history, stock markets don't always

533
00:27:42.519 --> 00:27:45.440
do well. They jump up and down right now, Yes,

534
00:27:45.480 --> 00:27:48.839
we're doing a huge return of investment on our stocks,

535
00:27:49.559 --> 00:27:51.880
but at the same time, that doesn't last and there

536
00:27:51.920 --> 00:27:54.279
will be a dip at some point. And so you

537
00:27:54.319 --> 00:27:56.000
want to make sure that you've got some money in

538
00:27:56.039 --> 00:27:58.960
a secure place that makes more than a CD does,

539
00:27:59.680 --> 00:28:03.440
and that you have as you know, income for life.

540
00:28:03.960 --> 00:28:06.920
And we used to have pensions in this country, you know,

541
00:28:07.000 --> 00:28:09.880
unfortunately we're just we're not getting that as often as

542
00:28:10.200 --> 00:28:13.599
we used to, and you know a lot of companies

543
00:28:13.640 --> 00:28:16.319
are doing away with pensions. So and then we actually

544
00:28:16.400 --> 00:28:19.680
acts like a pension plan because you get that income

545
00:28:19.720 --> 00:28:22.759
for life, So that's a great security to have, you know,

546
00:28:22.839 --> 00:28:25.119
reach out to me. If you have more questions on that,

547
00:28:25.839 --> 00:28:34.480
we see if we have any other questions. All right,

548
00:28:34.680 --> 00:28:39.599
we do have one other question. This person's asking if

549
00:28:40.240 --> 00:28:44.200
they're on a Medicare plan and I'm not there, broke er,

550
00:28:44.319 --> 00:28:45.640
can I still review their plan?

551
00:28:45.759 --> 00:28:46.000
Yes?

552
00:28:46.039 --> 00:28:48.119
Of course, you know, that's what we're here for. Like

553
00:28:48.160 --> 00:28:51.359
I said, we educate. And so if you are on

554
00:28:51.480 --> 00:28:53.920
a current Medicare plan and you're thinking of changing it,

555
00:28:54.039 --> 00:28:55.640
or you just want to make sure you're on the

556
00:28:55.720 --> 00:28:59.000
right path and you're getting all the benefits that you deserve,

557
00:28:59.559 --> 00:29:01.359
then you know, you reach out to me and we

558
00:29:01.400 --> 00:29:05.160
will look over those benefits and make sure that you're

559
00:29:05.160 --> 00:29:07.640
happy with what you have, and you know we would

560
00:29:07.640 --> 00:29:09.799
compare them with plans in your area and make sure

561
00:29:10.400 --> 00:29:11.799
again that you're on the right plan.

562
00:29:12.440 --> 00:29:17.079
So do you see that. My friend Peter Patel is on.

563
00:29:19.039 --> 00:29:19.839
And good morning.

564
00:29:19.880 --> 00:29:23.480
Good morning, Hey Peter, how are you, my friend? I

565
00:29:23.519 --> 00:29:25.519
am blessed to be in front of you, my friend,

566
00:29:25.519 --> 00:29:27.319
and everybody that's on here this morning.

567
00:29:27.359 --> 00:29:30.119
I'm absolutely blessed. And look at that smile. Oh my god.

568
00:29:30.200 --> 00:29:33.079
Yeah, hey, I'm so excited to have you on, and

569
00:29:34.319 --> 00:29:36.440
it wasn't. I didn't feel like I was pulling teeth.

570
00:29:36.680 --> 00:29:38.559
I just asked, and you said, yeah, I'll show up.

571
00:29:38.640 --> 00:29:41.839
So I appreciate that. Do you want to tell the

572
00:29:41.880 --> 00:29:43.759
audience a little bit about yourself and what you do?

573
00:29:44.480 --> 00:29:47.359
Absolutely? Thank you, I appreciate it. Just quit me on

574
00:29:47.359 --> 00:29:50.920
the phone. So, ladies and gentlemen, my name is Peter Patel,

575
00:29:51.119 --> 00:29:55.880
I entrepreneur that currently is in this space of real

576
00:29:56.000 --> 00:29:58.920
estate and mortgage finance. I'm a realistate company and a

577
00:29:58.920 --> 00:30:02.680
mortgage finance company and some of the stuff like Tilado

578
00:30:02.680 --> 00:30:08.799
ice cream, good stuff, but also in the financial sect

579
00:30:08.920 --> 00:30:13.279
of educating people of some very very important strategies of

580
00:30:13.480 --> 00:30:16.519
protections for our own selves, our families, our ssets.

581
00:30:16.240 --> 00:30:16.680
Et cetera.

582
00:30:17.599 --> 00:30:21.319
Awesome, awesome and more. Are you based out of I

583
00:30:21.440 --> 00:30:23.880
mean Chino, California awesome.

584
00:30:23.599 --> 00:30:26.359
And as your reach like all over southern California in

585
00:30:26.519 --> 00:30:28.920
the US, or do you just focus on Chino?

586
00:30:29.480 --> 00:30:31.599
I actually focus all over the US.

587
00:30:31.640 --> 00:30:35.359
So in reference to the financial aspects, it's all over America.

588
00:30:36.039 --> 00:30:39.440
I am licensed to do real estate and mortgages in

589
00:30:39.480 --> 00:30:44.200
the state of California, but the odd loans investment loans,

590
00:30:44.240 --> 00:30:44.599
et cetera.

591
00:30:44.640 --> 00:30:46.039
I can do it all over America.

592
00:30:45.880 --> 00:30:47.400
Yeah, wow, very cool.

593
00:30:48.319 --> 00:30:52.240
All right, So I did get your file, so I'm

594
00:30:52.240 --> 00:30:54.799
going to share and you just tell me when to move.

595
00:30:55.160 --> 00:30:57.240
Peter is going to share a little bit about wills

596
00:30:57.240 --> 00:30:59.839
and trust, as we alluded to earlier in the show.

597
00:31:00.480 --> 00:31:02.880
So I'm gonna go ahead and share my screen here.

598
00:31:04.319 --> 00:31:05.400
Quickly to.

599
00:31:16.079 --> 00:31:17.720
All right, pull this up?

600
00:31:20.759 --> 00:31:22.039
All right? Can you see my screen?

601
00:31:23.240 --> 00:31:25.680
Not yet? Now there you go, yes, sir?

602
00:31:25.880 --> 00:31:33.319
All right, okay, okay, yeah, so if you want to

603
00:31:33.359 --> 00:31:36.519
go to the first slide place just to make page

604
00:31:37.559 --> 00:31:38.079
this one.

605
00:31:37.960 --> 00:31:41.799
Here, yes they all right. Well, good morning ladies and gentlemen.

606
00:31:41.839 --> 00:31:43.720
Thank you Peter Joseph for this.

607
00:31:43.680 --> 00:31:48.240
Opportunity to be on your show makes super super excited,

608
00:31:48.440 --> 00:31:51.359
and not only that, but more excited to the fact

609
00:31:51.359 --> 00:31:56.279
that I truly believe in educating the community and the

610
00:31:56.319 --> 00:31:59.799
people around so they make they make wise decisions when

611
00:31:59.799 --> 00:32:04.119
it comes to finances and when it comes to protections

612
00:32:04.160 --> 00:32:05.559
for themselves and their families.

613
00:32:06.880 --> 00:32:07.920
I think it's very very.

614
00:32:07.839 --> 00:32:13.200
Important now, you know, Unfortunately we're all human. We have

615
00:32:13.319 --> 00:32:17.319
this procrastination element about us. I do myself as well

616
00:32:17.400 --> 00:32:21.160
many many times, but this one particular topic of wills

617
00:32:21.200 --> 00:32:25.279
and trust. It's absolutely essential that we have something in

618
00:32:25.400 --> 00:32:30.039
plan for our future. Now many people think that, oh,

619
00:32:30.480 --> 00:32:32.240
only if I own a home do I need a

620
00:32:32.279 --> 00:32:33.000
will and a trust.

621
00:32:33.920 --> 00:32:37.839
Actually that is not true. It's extremely important.

622
00:32:37.359 --> 00:32:40.640
That you protect all the assets that you have to

623
00:32:40.759 --> 00:32:46.759
avoid what is called an ugly ugly word probate. Probate

624
00:32:46.839 --> 00:32:51.279
is a process where the state will adjudicate everything that

625
00:32:51.359 --> 00:32:55.519
you have in your assets accordingly. But it's a lengthy process,

626
00:32:56.759 --> 00:32:59.279
and so I will as I go through it slize.

627
00:32:59.319 --> 00:33:02.000
It won't take long. You'll see the process of it.

628
00:33:02.039 --> 00:33:04.440
So I just want to educate everybody this morning in

629
00:33:04.519 --> 00:33:06.920
reference to this, and then if you should have any

630
00:33:06.960 --> 00:33:10.440
further questions, you can reach out to Peter, Joseph or myself.

631
00:33:10.720 --> 00:33:13.039
You can see my number scrolling at the bottom, and

632
00:33:13.079 --> 00:33:16.359
then we can certainly address your issues accordingly. Right, So

633
00:33:16.440 --> 00:33:20.519
WI doesn't trust, Thank you, Thank you Peter essential. Right,

634
00:33:20.599 --> 00:33:23.039
So what are we looking at here? What is this

635
00:33:23.119 --> 00:33:25.640
state planning? As you can see here, it's important to

636
00:33:25.720 --> 00:33:29.720
have that plan. It's a crucial element right that ensures

637
00:33:29.759 --> 00:33:33.759
your assets are managed and distributed according to your wishes. Now,

638
00:33:33.799 --> 00:33:36.000
many people think that, oh, well, I have a will.

639
00:33:36.519 --> 00:33:39.960
Okay, well, a will is good, but a will is

640
00:33:40.000 --> 00:33:43.839
a wish list and in order to carry out your

641
00:33:43.880 --> 00:33:46.519
wish list, there has to be a process.

642
00:33:46.720 --> 00:33:48.759
It's not an immediate beneficiary aspect.

643
00:33:48.839 --> 00:33:52.279
So the process is you go to court and guess

644
00:33:52.279 --> 00:33:53.839
what if you only have a will.

645
00:33:54.079 --> 00:33:55.160
You sit into approbate.

646
00:33:55.440 --> 00:33:57.359
Right, So what it does is you have to have

647
00:33:57.400 --> 00:34:01.480
a trust as well, which now will take your wishes

648
00:34:01.880 --> 00:34:06.000
and provide the legal documentation so that you can actually

649
00:34:06.839 --> 00:34:11.199
take over those assets and also transact with those assets

650
00:34:11.199 --> 00:34:14.280
as well and avoid probate, avoid that one year two

651
00:34:14.360 --> 00:34:18.920
year timeline. But the biggest thing is you're going to

652
00:34:18.960 --> 00:34:23.119
avoid expenses, huge expenses in the court. Right, So it

653
00:34:23.559 --> 00:34:26.760
was making a decision today that you'll protect your lowers

654
00:34:26.760 --> 00:34:28.400
and provide a peace of mind.

655
00:34:28.679 --> 00:34:29.800
So in centuries you.

656
00:34:29.719 --> 00:34:32.400
Can see on the left hand side what it is

657
00:34:32.480 --> 00:34:35.280
in the planning bright and then the key tools are

658
00:34:35.360 --> 00:34:37.400
the wheels. It's a document, as you can see, a

659
00:34:37.480 --> 00:34:40.960
trust a legal arrangement where assets are held and managed

660
00:34:40.960 --> 00:34:41.840
for the beneficials.

661
00:34:42.079 --> 00:34:43.119
Right.

662
00:34:43.480 --> 00:34:46.400
It's not about it's not just for the wealthy, it's

663
00:34:46.440 --> 00:34:47.039
for everyone.

664
00:34:47.360 --> 00:34:50.239
Right. So yeah, you can go on to the next slide.

665
00:34:50.360 --> 00:34:57.880
Thank you. So here we have some definitions.

666
00:34:58.440 --> 00:35:02.440
A last will and truestament is a ego document author outlining,

667
00:35:02.440 --> 00:35:07.239
which is for asset distribution and asset sorry estate management

668
00:35:07.320 --> 00:35:10.519
after death. So the important factor here is that you

669
00:35:10.559 --> 00:35:14.320
are protecting yourself after you leave us and God calls you.

670
00:35:14.639 --> 00:35:17.000
So it's important that we have this and for the

671
00:35:17.039 --> 00:35:19.760
protection of your families. And there are key functions of

672
00:35:19.800 --> 00:35:21.880
a will, as you can see here. You have the

673
00:35:21.920 --> 00:35:25.960
asset distribution element, you have the executor appointment.

674
00:35:27.159 --> 00:35:28.760
Guardianship is a very.

675
00:35:28.639 --> 00:35:30.960
Very big topic for those of you that are listening

676
00:35:31.079 --> 00:35:34.440
here today. If you have children under the age of eighteen,

677
00:35:35.239 --> 00:35:38.280
is extremely extremely important that you put this into place

678
00:35:38.320 --> 00:35:42.920
as soon as possible because for many reasons, and we

679
00:35:42.960 --> 00:35:45.400
can get into very details on that. And then obviously

680
00:35:45.440 --> 00:35:47.800
the final arrangements of what happens at the end of

681
00:35:48.840 --> 00:35:52.119
life for your funeral arrangements and so on. So sometimes

682
00:35:52.159 --> 00:35:54.239
you know in life, you know that that we have

683
00:35:54.320 --> 00:35:57.679
all these thoughts as fathers, as mothers, as brothers, sisters

684
00:35:57.719 --> 00:36:00.559
and so on, and we don't always relay our thoughts

685
00:36:00.920 --> 00:36:05.159
in life. Right, we have many wishes, our own personal wishes, right, Peter, Yeah,

686
00:36:06.079 --> 00:36:08.079
I'm sure with you own there are things that you

687
00:36:08.199 --> 00:36:11.360
think about your daughter so much, but you cannot say

688
00:36:11.400 --> 00:36:16.519
to them those words. The emotional factory is or everything

689
00:36:16.519 --> 00:36:18.760
that you've persevered in life that you want to share

690
00:36:19.119 --> 00:36:21.559
and at the end, you know, this is what I'd like,

691
00:36:21.760 --> 00:36:24.239
So this is the element that you can utilize for

692
00:36:24.280 --> 00:36:25.519
that at that moment.

693
00:36:25.639 --> 00:36:25.800
Right.

694
00:36:26.199 --> 00:36:30.079
So remember this will only takes effect after the death

695
00:36:30.119 --> 00:36:33.599
of the test at all. Right, So yeah, next one, please,

696
00:36:35.800 --> 00:36:39.360
So what's the process? So here we have what is probated.

697
00:36:39.719 --> 00:36:45.039
It courts legal procedure that validates a will and oversees

698
00:36:45.079 --> 00:36:49.679
the administration distribution of a deceased person's estate. So the

699
00:36:49.760 --> 00:36:51.960
will is there, they're going to validate it, but the

700
00:36:52.159 --> 00:36:55.119
estate now through the process, this is what's going to

701
00:36:55.159 --> 00:36:59.679
happen without a will, State laws or intestation will determine

702
00:36:59.679 --> 00:37:03.119
how assets are distributed. Okay, and you can see the

703
00:37:03.199 --> 00:37:07.480
key characters is of just having that only the probate process.

704
00:37:07.840 --> 00:37:11.480
Here are the steps validation of the will, asset inventory

705
00:37:11.519 --> 00:37:16.559
and appraisal, debt and tax payment, asset distribution. Now do

706
00:37:16.760 --> 00:37:21.599
remember when someone when you pass away, it's actually public knowledge.

707
00:37:22.119 --> 00:37:22.559
Correct?

708
00:37:22.960 --> 00:37:26.960
Correct, And Peter, you're in the health.

709
00:37:26.079 --> 00:37:27.880
Space as well as well. As life space.

710
00:37:27.920 --> 00:37:30.559
And you know the elements of what happens when someone

711
00:37:30.599 --> 00:37:33.920
gets passes away, right, not only the fact that it's

712
00:37:34.599 --> 00:37:37.000
public key out there, but then you get all these

713
00:37:37.039 --> 00:37:40.079
other people that somehow tend to appear now and then,

714
00:37:40.559 --> 00:37:45.199
and so it's important that these protections are there. Obviously

715
00:37:45.239 --> 00:37:47.159
we have the creditors and so on, so you need

716
00:37:47.239 --> 00:37:50.519
protections from all these elements. On the next slide you'll

717
00:37:50.559 --> 00:37:56.760
see you'll see the advantages of what we are talking

718
00:37:56.760 --> 00:38:02.239
about this morning. The asset distribution can specify exactly where

719
00:38:02.280 --> 00:38:08.239
everything is. The executor appointment extremely important for you to

720
00:38:08.320 --> 00:38:11.719
say that when I am deceased, who is going to

721
00:38:11.760 --> 00:38:14.239
take over my wishes and my assets and what I

722
00:38:14.280 --> 00:38:17.320
want them and how they're going to distribute. Okay, and

723
00:38:17.400 --> 00:38:21.960
that that includes your spouse. Now you can have a

724
00:38:22.039 --> 00:38:26.320
joint will, but you can also have a joint will.

725
00:38:27.239 --> 00:38:30.400
With what we have to propose today, you can actually

726
00:38:30.480 --> 00:38:33.519
have two separate wills in one. Now, why would I

727
00:38:33.559 --> 00:38:36.480
say that, Well, let's just say, Peter, in your marriage,

728
00:38:36.559 --> 00:38:39.280
you know you got married and your wife previously did

729
00:38:39.320 --> 00:38:44.039
have another property or some assets, and you know, well,

730
00:38:44.280 --> 00:38:46.840
you may want the separation or that she may say

731
00:38:46.880 --> 00:38:48.840
that I want to leave it to ex personal X

732
00:38:48.920 --> 00:38:52.159
charity and that and you come into mutual agreement and

733
00:38:52.199 --> 00:38:54.440
so we have the aspects of doing that as well.

734
00:38:54.480 --> 00:38:57.280
It's very important and then who that how that's split

735
00:38:57.320 --> 00:39:00.320
is done. So executors a play a huge, huge role

736
00:39:00.920 --> 00:39:03.679
in a will and trust. Not only that you have

737
00:39:03.760 --> 00:39:06.760
to you should always state one, two or three executors

738
00:39:07.239 --> 00:39:09.599
because you never know in life. You should never have

739
00:39:09.719 --> 00:39:13.280
one executor, so they'll come subsequently if something happens to

740
00:39:13.320 --> 00:39:16.599
the other one, or you may have a main executor

741
00:39:16.920 --> 00:39:20.159
who says, okay, right, Peter's now left us, but I

742
00:39:20.159 --> 00:39:21.400
don't wish to handle this.

743
00:39:21.519 --> 00:39:23.360
Trust is no problem.

744
00:39:23.679 --> 00:39:26.639
They then hand off to the second executor. So it's

745
00:39:26.679 --> 00:39:33.000
important that we have those excuse me moment. Guardianship I

746
00:39:33.199 --> 00:39:33.679
mentioned to.

747
00:39:33.639 --> 00:39:36.599
You earlier, very very important to designate.

748
00:39:36.159 --> 00:39:40.199
The legal guardians for children under nineteen eighteen and what

749
00:39:40.239 --> 00:39:42.920
your wishes are for them and then your final arrangements

750
00:39:43.000 --> 00:39:45.360
right on the right hand side. You have the disadvantage,

751
00:39:45.400 --> 00:39:50.519
it's time consuming process, it's costly, public record, limited privacy.

752
00:39:50.599 --> 00:39:55.039
If you don't have this right A real quick interject

753
00:39:55.079 --> 00:39:57.360
that if you do happen to have to go to court,

754
00:39:57.639 --> 00:40:00.280
you have to employ an attorney, which costs you bit

755
00:40:00.320 --> 00:40:02.840
of money. Now you have the court fees as well.

756
00:40:02.880 --> 00:40:05.639
But what the court does is they also assess their

757
00:40:05.719 --> 00:40:08.800
fees and everything based on the asset worth of.

758
00:40:08.840 --> 00:40:09.320
What you have.

759
00:40:10.320 --> 00:40:12.760
And that's that can be a chunk of money. Right,

760
00:40:13.440 --> 00:40:16.599
It's not just a sty straightforward feed basis. Yeah, so

761
00:40:16.760 --> 00:40:20.920
important elements here to take. Look at the advantages and

762
00:40:20.960 --> 00:40:23.400
the disadvantages of having a will and a trust.

763
00:40:23.880 --> 00:40:27.320
Next one, Peter so structure.

764
00:40:27.880 --> 00:40:32.719
What is a trust legal arrangement where one party transfers

765
00:40:32.800 --> 00:40:37.199
assets to another who holds and manages that then for

766
00:40:37.280 --> 00:40:40.280
the benefit of a third party. Now it says here

767
00:40:40.400 --> 00:40:43.000
one party because it is a trust. It can be

768
00:40:43.000 --> 00:40:45.800
a joint trust, but we use the word party. The

769
00:40:45.880 --> 00:40:48.920
grand tour is a person who's going to transfer assets

770
00:40:48.960 --> 00:40:53.840
to the trust. The trustee is one who manages the

771
00:40:53.960 --> 00:40:57.360
assets to the beneficiares. So if you form a trust,

772
00:40:57.480 --> 00:40:59.679
you are the grand tour and you are the trustee

773
00:40:59.679 --> 00:41:00.000
as well.

774
00:41:01.400 --> 00:41:02.679
I hope that makes sense traveling.

775
00:41:02.760 --> 00:41:07.159
Yeah, And then the beneficiaries are the people they're going

776
00:41:07.239 --> 00:41:10.480
to receive the elements of the trust in your assets,

777
00:41:11.239 --> 00:41:14.679
and there is a relationship involved here. Trusty has a

778
00:41:14.760 --> 00:41:18.000
legal ethical obligation to act in the best interest of

779
00:41:18.079 --> 00:41:18.920
the beneficiary.

780
00:41:21.559 --> 00:41:25.199
And in the assets you can include real estate.

781
00:41:26.039 --> 00:41:33.800
Bank accounts, investments, life insurance policies, business interests, and collectibles.

782
00:41:34.679 --> 00:41:37.079
One of the things about collectibles is that you know,

783
00:41:37.760 --> 00:41:39.880
just a tip is that people would say, okay, I

784
00:41:39.920 --> 00:41:43.880
have some gold let's say have some gold angles. What

785
00:41:43.960 --> 00:41:46.639
I recommend is that in the description is that hey,

786
00:41:46.679 --> 00:41:49.880
six bangles need to go to marry, right, But what

787
00:41:49.960 --> 00:41:52.639
I recommend also is that you say, there's a six

788
00:41:52.760 --> 00:41:57.199
bangles that weigh this much in prams or whatever they are.

789
00:41:57.599 --> 00:42:02.880
Why is that because that description is the value portion?

790
00:42:03.639 --> 00:42:03.920
Right?

791
00:42:04.280 --> 00:42:05.000
Does that make sense?

792
00:42:05.320 --> 00:42:08.719
Yeah, six bangals is six bangals. Six bangals that are

793
00:42:08.760 --> 00:42:12.880
at ten grams is a little bit different. So it's

794
00:42:12.960 --> 00:42:16.679
just a little description but also helps with evaluation aspect

795
00:42:16.719 --> 00:42:20.920
as well. Just multiply and the same thing. You know, cars,

796
00:42:20.960 --> 00:42:23.760
you could have multiple cars and so on. Most people

797
00:42:23.840 --> 00:42:26.840
don't have exactly the same car in the house, same color,

798
00:42:28.360 --> 00:42:30.440
but you can put a car says this, make this

799
00:42:30.559 --> 00:42:33.840
license plate whatever, and then you know, it just distinguishes

800
00:42:33.880 --> 00:42:37.239
it according So the structure is very very important, and

801
00:42:37.280 --> 00:42:39.440
this is the main criteria of the structure of the

802
00:42:39.800 --> 00:42:40.599
will in the trust.

803
00:42:41.400 --> 00:42:45.280
Our next competer Okay, the types of trust.

804
00:42:45.400 --> 00:42:48.400
So you're here here, see here that they are revocable

805
00:42:48.440 --> 00:42:52.440
trusts and it's an irrevocable trust that the very most

806
00:42:52.480 --> 00:42:57.119
common trust is the revocable trust. Why because you can

807
00:42:57.199 --> 00:43:01.199
revoke it and revoke it means that you can make changes,

808
00:43:01.800 --> 00:43:04.480
and that's very very important if you have a.

809
00:43:06.480 --> 00:43:07.480
Very vocable trust.

810
00:43:08.119 --> 00:43:12.960
Now that trust is set, science sealed, and when something happens,

811
00:43:12.960 --> 00:43:15.719
it's going to be delivered. So whatever you put in

812
00:43:15.760 --> 00:43:18.880
that there are no changes to be made whatsoever, should

813
00:43:18.960 --> 00:43:21.519
you want to make changes, then you would have to

814
00:43:21.559 --> 00:43:22.559
dissolve that trust.

815
00:43:23.000 --> 00:43:26.360
In form any trust, Okay, for.

816
00:43:26.360 --> 00:43:28.880
The essence of time, I won't highlight many many things here,

817
00:43:29.480 --> 00:43:32.000
but as you can see that you can make changes,

818
00:43:32.079 --> 00:43:35.559
you avoid probate and maintains Coctorpia assets, etc.

819
00:43:35.840 --> 00:43:36.000
Etc.

820
00:43:36.440 --> 00:43:39.719
So it's important to have a revocable trust and we

821
00:43:39.840 --> 00:43:44.519
have the perfect solution for that in that the services

822
00:43:44.519 --> 00:43:48.039
that we provide give you a complete will and a

823
00:43:48.079 --> 00:43:50.960
trust with the hip ho lord, medical aspects of it.

824
00:43:53.199 --> 00:43:56.719
The final objective when you pass away and what you'd.

825
00:43:56.599 --> 00:43:58.159
Like to do if you're in a life support system,

826
00:43:58.159 --> 00:44:04.800
et cetera power attorney with unlimited revisions, unlimited you can

827
00:44:04.800 --> 00:44:08.039
make as many changes as you want and no extra charge.

828
00:44:08.360 --> 00:44:11.280
So it's a it's an important element when you have

829
00:44:11.320 --> 00:44:12.320
a revokeable trust.

830
00:44:13.480 --> 00:44:16.320
My friend, I've got a six minute warning, so let's uh,

831
00:44:16.719 --> 00:44:18.119
let's get through these last.

832
00:44:17.920 --> 00:44:20.360
Yes, yeah, but only if you more. Thank you, Peter,

833
00:44:20.440 --> 00:44:21.679
I appreciate that. Right.

834
00:44:21.960 --> 00:44:24.039
And here we are the different types of trust that

835
00:44:24.119 --> 00:44:27.800
you can see that they're out there and you can

836
00:44:27.840 --> 00:44:30.679
form any one of these trusts there. Some of them

837
00:44:30.679 --> 00:44:37.920
are a compliment, compliment, complicated, but the primary primary one

838
00:44:38.039 --> 00:44:40.800
is the living trust that we're going to do here right.

839
00:44:41.880 --> 00:44:42.679
Next one.

840
00:44:45.000 --> 00:44:47.480
Features or will and a trust that you can see

841
00:44:47.840 --> 00:44:50.079
on the left, you've got the probate subject to court

842
00:44:50.199 --> 00:44:53.679
supervise probate process. With a trust, you can avoid that.

843
00:44:53.960 --> 00:44:56.639
You have a privacy element that protects you as well.

844
00:44:57.199 --> 00:45:00.119
The cost factor is huge, so then initial car so

845
00:45:00.239 --> 00:45:03.079
you consider the right is a trust is a good

846
00:45:03.119 --> 00:45:05.840
one that you want to have, not have keep ongoing

847
00:45:05.880 --> 00:45:11.639
expenses and the implementation can be implement during the primaries lifetime,

848
00:45:11.679 --> 00:45:14.079
so you again you can make changes while you're alive,

849
00:45:14.960 --> 00:45:21.320
all right, And so deciding between a will and trust

850
00:45:21.440 --> 00:45:24.920
or combination of both depends on individual circumstances.

851
00:45:25.039 --> 00:45:27.800
As you can see here. Consider these key factors.

852
00:45:27.840 --> 00:45:29.679
As you can see so I alluded to some of

853
00:45:29.719 --> 00:45:34.679
these at the beginning, the size, US state, the privacy concerns,

854
00:45:35.639 --> 00:45:37.360
et cetera, protections programs on.

855
00:45:37.840 --> 00:45:39.000
So with that in.

856
00:45:39.039 --> 00:45:43.039
Mind, this is a unique opportunity this evening, this morning.

857
00:45:43.159 --> 00:45:46.280
Thank you so much beautiful allowing this now, if ladies

858
00:45:46.280 --> 00:45:50.280
and gentlemen, should you wish to consider this opportunity and

859
00:45:50.360 --> 00:45:54.039
getting a will and trust, Your typical costs if you

860
00:45:54.320 --> 00:45:56.840
go out there with an attorney can be any range

861
00:45:56.840 --> 00:45:58.480
anyway between three thirty.

862
00:45:58.199 --> 00:46:00.360
Five hundred five thousand plus.

863
00:46:01.239 --> 00:46:04.440
Today we have an opportunity reach out to us that

864
00:46:04.519 --> 00:46:07.199
you will get a complete will and a trust with

865
00:46:07.320 --> 00:46:10.159
all the elements that I mentioned to you for a

866
00:46:10.280 --> 00:46:12.079
very very low amount.

867
00:46:11.960 --> 00:46:16.519
Of eight hundred dollars one time, just one time. That's it.

868
00:46:16.880 --> 00:46:19.679
There's no additional charges on top of that, and we'll

869
00:46:19.840 --> 00:46:22.599
talk to you step by step. I'll show you how

870
00:46:22.880 --> 00:46:26.159
the system works. It's a great online system. We'll build

871
00:46:26.199 --> 00:46:28.960
the trust for you. We have a bank of lawyers

872
00:46:29.000 --> 00:46:34.519
that will review this and they've also created the software.

873
00:46:34.960 --> 00:46:38.440
And the last thing, Peter is this opportunity is available

874
00:46:38.599 --> 00:46:40.239
in all fifty states.

875
00:46:40.480 --> 00:46:41.280
Wow wow.

876
00:46:42.079 --> 00:46:44.639
So for those of you listening, if you have friends

877
00:46:44.639 --> 00:46:48.559
and family, please reach out to them this valuable information

878
00:46:49.000 --> 00:46:50.480
and then let us know if we can help you

879
00:46:50.519 --> 00:46:51.760
in any other way whatsoever.

880
00:46:52.239 --> 00:46:56.079
All right, that's a huge discount, Peter, comparison. That's that's

881
00:46:56.239 --> 00:46:56.679
very good.

882
00:46:57.119 --> 00:47:01.280
Absolutely, yes, indeed, that's that's good. And know there's as

883
00:47:01.360 --> 00:47:03.079
you know, I mean real estate, the mortij is. We

884
00:47:03.079 --> 00:47:05.599
can maybe touch upon that next time, but I don't

885
00:47:05.599 --> 00:47:07.440
want to take up much too much of the time

886
00:47:07.480 --> 00:47:07.960
this morning.

887
00:47:08.280 --> 00:47:09.920
Yeah, yeah, I know, I appreciate.

888
00:47:10.000 --> 00:47:13.119
We can definitely talk about that next time. But that

889
00:47:13.280 --> 00:47:17.039
was very very good information. As Peter alluded to, his

890
00:47:17.239 --> 00:47:20.840
information is scrolling on the bottom of our screen. So

891
00:47:21.559 --> 00:47:25.239
we both can help you with wills and trust. You know,

892
00:47:25.320 --> 00:47:27.639
I would refer out to Peter first if you can.

893
00:47:28.159 --> 00:47:29.440
If you can't get a hold of him, then you

894
00:47:29.480 --> 00:47:32.280
can reach out to me. But that's his information. His

895
00:47:32.400 --> 00:47:36.119
phone number is there, his email address. Is it better

896
00:47:36.159 --> 00:47:37.360
to email you or call you?

897
00:47:37.440 --> 00:47:37.679
Peter?

898
00:47:38.639 --> 00:47:42.800
Email is the best element if you and if you wish,

899
00:47:42.840 --> 00:47:43.920
you could text me as well.

900
00:47:44.480 --> 00:47:47.880
Okay, well, Peter, it was such a pleasure having you

901
00:47:47.960 --> 00:47:48.719
on this morning.

902
00:47:48.800 --> 00:47:49.119
Thank you.

903
00:47:49.159 --> 00:47:54.639
My friends appreciate you and appreciate everything about you. Peter

904
00:47:54.880 --> 00:47:58.639
is someone you can trust inherently without a doubt. He

905
00:47:58.719 --> 00:48:01.960
knows his stuff. So I appreciate the knowledge you've been

906
00:48:02.039 --> 00:48:03.679
parted on all of us this morning.

907
00:48:04.360 --> 00:48:06.599
I appreciate you more than anything you don't know. So

908
00:48:06.639 --> 00:48:06.960
thank you.

909
00:48:07.440 --> 00:48:10.800
Blessings to everybody, have a terrific day, but more importantly,

910
00:48:11.280 --> 00:48:12.480
have a beautiful life.

911
00:48:12.800 --> 00:48:18.440
Thank you, take care, goodbye my friends. All right, so

912
00:48:18.559 --> 00:48:24.079
we've heard from two wonderful guests this morning, way different topics,

913
00:48:24.159 --> 00:48:27.760
but hopefully you got a little bit of knowledge and

914
00:48:28.280 --> 00:48:31.119
feel like you've been supported and maybe something you're going

915
00:48:31.159 --> 00:48:34.880
through currently. If you're looking to plan an event, you

916
00:48:34.920 --> 00:48:37.000
know Villa Rossi would be the person to reach out to.

917
00:48:37.280 --> 00:48:38.960
If you're looking to do a well and trust, you

918
00:48:38.960 --> 00:48:41.880
can reach out to Peter Patel or myself and eight

919
00:48:41.920 --> 00:48:45.440
hundred dollars. That's a deal, Honestly, if you go to

920
00:48:45.480 --> 00:48:48.639
an attorney, it can be twenty five hundred dollars all

921
00:48:48.639 --> 00:48:51.559
the way up to five thousand, and some people just

922
00:48:51.599 --> 00:48:55.039
don't have that money lying around. I guarantee you This

923
00:48:55.320 --> 00:48:59.599
is vetted and reviewed by all fifty states and attorneys,

924
00:49:00.119 --> 00:49:04.440
so definitely check that out. And thank you so much

925
00:49:04.480 --> 00:49:06.480
for joining us this morning on our show.

926
00:49:07.239 --> 00:49:10.360
We do this because we Medicare.

927
00:49:11.519 --> 00:49:15.360
Thanks for listening. Tune into Medicare Hour and More with

928
00:49:15.519 --> 00:49:19.519
Peter every Tuesday at nine am Pacific times right here

929
00:49:19.559 --> 00:49:24.320
on k FORHD Radio at KFOHD dot com for more

930
00:49:24.440 --> 00:49:28.800
real life stories from experts in medicare about you and

931
00:49:28.920 --> 00:49:33.440
protecting your health, your finances, and your future. See you

932
00:49:33.519 --> 00:49:34.119
next week