Absolute Trust Talk
Absolute Trust Talk is your navigational compass that brings together the business of trusts, estate planning, and aging – your home base to find the knowledge you’re seeking on what lies ahead. With over 27 years of experience, Kirsten has seen her fair share of clients confused and overwhelmed with the complexity of estate planning and the challenges and obstacles that life can throw your way. On a mission to take her vast expertise and experience to a new level, Absolute Trust Talk host Kirsten Howe brings a thought-provoking, approachable, friendly voice to a wide variety of life and legacy planning topics. Through this series of podcasts, the Absolute Trust Talk team will connect with like-minded business professionals, industry leaders, and luminaries to spotlight how listeners can make educated and informed lifestyle and planning decisions. Living your best, quality life while preparing for the future doesn’t have to be stressful or hard, but it does have to be smart.
info_outline
195: Bitcoin Demystified (Part 2): The 3 Ways to Own Bitcoin
11/12/2025
195: Bitcoin Demystified (Part 2): The 3 Ways to Own Bitcoin
Ready to own Bitcoin but not sure where to start? In Part 2 of our cryptocurrency series, host Kirsten Howe continues her conversation with Jirayr Kembikian, CFP® and Managing Director of Citrine Capital, to break down the three distinct ways to acquire and hold Bitcoin—each with its own unique trade-offs. Jirayr walks through everything from Bitcoin ETFs (the easiest and most familiar option) to exchange custody and self-custody, explaining why he believes "the only wrong answer for Bitcoin allocation is zero." He reveals the critical phrase Bitcoin purists use—"not your keys, not your coins"—and why understanding custody matters for your financial security. You'll discover why Bitcoin-only exchanges are safer than multi-crypto platforms, learn about the estate planning risks of keeping Bitcoin on exchanges, and understand why a 2-3% allocation keeps you market neutral. Perhaps most surprising: you don't need $112,000 to get started. Bitcoin is divisible into 100 million Satoshis, meaning you can start with as little as $10 through dollar-cost averaging. Whether you're considering your first Bitcoin purchase or evaluating your current approach, this episode provides the practical guidance you need to make informed decisions about cryptocurrency ownership. Time-stamped Show Notes: 0:00 Introduction 1:58 Bitcoin ETFs approved last year—the easiest approach using familiar brokerage accounts. 2:57 ETF advantages: Clean titling for trusts, beneficiary designations, and zero complexity beyond buying and holding. 3:58 ETF trade-offs: Not actual Bitcoin in your possession, custodial risks, and varying expenses depending on the fund. 4:41 Buying Bitcoin on exchanges—the historically most common method before ETFs existed. 5:23 Critical recommendation: Bitcoin-only exchanges minimize attack vectors compared to multi-crypto platforms. 6:23 Exchange custody risks: Customer lockouts, poor service, theft, and loss of funds plaguing the space. 7:22 The worst form of ownership: Keeping Bitcoin on exchanges presents maximum vulnerability. 7:54 "Not your keys, not your coins"—the phrase that defines Bitcoin security philosophy. 8:35 Estate planning dangers: Exchanges often restrict account titling and lack beneficiary options. 10:00 Self-custody—the superior method that requires responsibility and practice, like learning to drive. 10:45 The wallet analogy: Cash in your possession versus cash floating in cyberspace at the bank. 11:15 Self-custody advantages: Complete control means only you have access to your Bitcoin. 11:45 Self-custody risks: Lost passwords mean lost Bitcoin forever with no password reset option. 12:35 How Citrine Capital has allocated Bitcoin since 2020 for clients who didn't opt out. 13:56 Surprising reality: Most clients use ETFs despite self-custody being theoretically superior. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/39009980
info_outline
194: Bitcoin Demystified (Part 1): Why 1 in 7 Americans Own Bitcoin
10/28/2025
194: Bitcoin Demystified (Part 1): Why 1 in 7 Americans Own Bitcoin
Did you know that 1 in 7 Americans now own Bitcoin? If you've been curious about cryptocurrency but don't know where to start, this episode is for you. Host Kirsten Howe sits down with Jirayr Kembikian, CFP® and Managing Director of Citrine Capital, to demystify Bitcoin and explain why it's fundamentally different from every other cryptocurrency on the market. In this conversation, Jirayr introduces his "three buckets" framework for understanding the crypto landscape and explains how Bitcoin's fixed 21 million supply cap, national debt concerns, and unlimited money printing are driving unprecedented adoption. He reveals the shocking truth that almost a third of all dollars ever created were printed in just the last five years, and why Bitcoin's proof-of-work system makes it the most secure computer network in the world. Whether you're a complete beginner or have been crypto-curious for years, this episode provides a grounded, practical perspective on what Bitcoin is, why it matters, and what it could mean for your financial future. This is Part 1 of our cryptocurrency series—stay tuned for upcoming episodes on how to own, acquire, and store Bitcoin safely. Time-stamped Show Notes: 0:00 Introduction 1:43 Why Bitcoin exploded over the last decade, built on decades of failed projects before launching in 2009. 2:45 Why everyone gets Bitcoin wrong at first—it requires understanding math, cryptography, engineering, and energy simultaneously. 3:43 The "three buckets" framework: Bitcoin (hardest money with 21 million cap), stablecoins (dollar-pegged), and all other crypto (centralized authorities that can negate transactions). 6:03 What backs Bitcoin: How proof-of-work energy consumption secures the network and makes it the most secure computer network in the world. 7:34 Other cryptocurrencies' harsh reality: Constant hacks, downtime, and mysterious blockchain reversals. 7:46 The economic pressure driving Bitcoin adoption: National debt over $30 trillion makes printing money mathematically inevitable. 10:21 The jaw-dropping stat: Almost a third of all dollars ever created were printed in the last five years. 11:03 Basic economics: Growing demand meets Bitcoin's fixed supply that cannot increase. 11:31 Preview: How to own, acquire, and store Bitcoin—covered in upcoming episodes. 11:51 Bitcoin's transparent 100-year distribution schedule fixed in code versus unpredictable dollar printing. 12:18 The halving cycle: Every four years, new Bitcoin supply gets cut in half, creating scarcity by design. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/38811145
info_outline
193: URGENT: California Medi-Cal Asset Limits Return in 2026 - How to Prepare NOW
09/29/2025
193: URGENT: California Medi-Cal Asset Limits Return in 2026 - How to Prepare NOW
California is quietly bringing back asset limits for Medi-Cal long-term care coverage in 2026, and current recipients could be in for a devastating surprise. Here's what's happening: California eliminated asset limits for elderly and disabled Medi-Cal recipients in 2024, but those limits are returning in 2026. If you currently receive long-term care Medi-Cal benefits, when you submit your annual eligibility report next year, you could lose your coverage if your assets exceed the new limits. In this critical episode, estate planning attorney Kirsten Howe explains the $130,000 asset limit returning for single individuals, why 2025 is your last opportunity to transfer assets without penalties, and the difference between regular Medi-Cal and long-term care Medi-Cal coverage. She also covers exactly which assets will count against you, which are exempt, and essential planning strategies to protect your benefits before the deadline. Time-stamped Show Notes: 0:00 Introduction 0:02 Federal vs. state changes: distinguishing between well-publicized federal Medicaid cuts and California's hidden asset limit reversal 1:56 MAGI Medi-Cal breakdown - how Obamacare's expanded coverage works for healthy, low-income individuals 2:17 The crucial distinction: long-term care Medi-Cal covers far more than basic health insurance, serving elderly and disabled populations 3:16 Planning becomes essential again - why future Medi-Cal eligibility will require strategic asset management 3:35 Listen in as Kirsten explains more about exempt assets that may include a house, car, prepaid funeral, burial plot, small life insurance, and retirement accounts 4:27 Currently, 2025 offers no asset limits, exempt status for all assets, and penalty-free transfers 4:55 Next, Kirsten talks about the annual report trap that could devastate current recipients in 2026 5:36 Qualified yesterday, disqualified tomorrow: how current beneficiaries risk losing coverage despite meeting past requirements Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/38397710
info_outline
192: Your Healthcare Voice (Part 3): Understanding Assisted Suicide, Euthanasia, and End-of-Life Options
09/05/2025
192: Your Healthcare Voice (Part 3): Understanding Assisted Suicide, Euthanasia, and End-of-Life Options
In the final episode of our comprehensive healthcare planning series, Kirsten and Ariana tackle one of the most misunderstood areas of healthcare planning: life-ending decisions. This episode cuts through the confusion to deliver clear, factual information about California's End of Life Option Act, the strict requirements for assisted suicide, how passive and active euthanasia differ, and why many people don't actually qualify for the options they think exist. You'll also learn how California compares to other states and what alternatives exist internationally. Whether you're planning for yourself or helping a loved one understand their options, this episode provides essential information about one of life's most difficult decisions. Knowledge is power—especially when it comes to maintaining control over your final chapter. Time-stamped Show Notes: 0:00 Introduction 1:09 Three categories of life-ending decisions explained: assisted suicide, passive euthanasia, active euthanasia 2:12 Passive euthanasia defined - withdrawal/withholding of life-sustaining treatment (legal in California) 3:07 What is active euthanasia? Many people don’t realize it’s not legal in the United States 3:39 California's End of Life Option Act (2016) - medical aid in dying requirements 4:49 Strict eligibility requirements: terminal illness (6 months or less), California residency, cognitive capacity, physical ability 5:02 The three-request requirement: two oral requests 48 hours apart, plus one written, witnessed request 6:29 Physician responsibilities and the right to decline participation 7:35 California vs. Oregon comparison - residency requirements and waiting periods 9:37 Geographic distribution of assisted suicide laws across the United States 10:29 Active euthanasia discussion - the dementia dilemma and client concerns 11:40 European options for active euthanasia: Belgium, Luxembourg, the Netherlands, and Spain legal frameworks 13:27 Practical considerations for California residents seeking international options 15:12 The importance of knowledge and control in end-of-life planning Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/38097000
info_outline
191: When Rock Royalty Gets Estate Planning Right: Lessons from Ozzy Osbourne's $230M Legacy
08/26/2025
191: When Rock Royalty Gets Estate Planning Right: Lessons from Ozzy Osbourne's $230M Legacy
In this all-new episode of Absolute Trust Talk, Kirsten Howe and Associate Attorney Ariana Flynn explore a refreshing change of pace: a celebrity estate plan that appears to have been well-structured and executed effectively. Following the July 22, 2025, passing of heavy metal legend Ozzy Osbourne, his $230 million estate seems to be transitioning smoothly without probate litigation or family disputes. The hosts examine what the Prince of Darkness did right, from clear beneficiary designations to keeping valuable intellectual property assets within family control. They also dive into the complex international tax implications for dual US-UK citizens and reveal why sometimes giving heirs direct access to their inheritance can reduce litigation risk. Tune in for expert insights on estate planning strategies that work, whether you're managing millions or thousands, and discover how proper planning can keep your family united and out of court. Time-stamped Show Notes: 0:00 Introduction 1:54 Here’s what we know about the Osbourne family: Sharon, six children from two marriages, and a $230 million estate consisting of music royalties, TV show income, real estate, and other assets. 3:05 Learn why "no news is good news" in estate planning and what it means when there's no immediate courthouse litigation. 4:35 Discover the first key estate planning strategy: setting clear beneficiary designations and why leaving assets directly to family members can prevent future legal battles. 6:06 Explore the importance of centralized family leadership and how Sharon's role as longtime manager creates continuity in asset management. 7:10 Understand why name, image, and likeness are valuable assets that require careful management, especially for public figures. 8:21 Dive into the complex world of international estate taxes for dual citizens and learn about the dramatic differences between US and UK estate tax exemptions. 10:05 Examine how the UK's £375,000 estate tax exemption (approximately $435,000) affects even "regular" wealthy families. 10:52 Key takeaways from Ozzy's estate planning success for creating effective and protective estate plans. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37970605
info_outline
190: Your Healthcare Voice (Part 2): Emergency Medical Orders
08/19/2025
190: Your Healthcare Voice (Part 2): Emergency Medical Orders
In this second episode of their comprehensive healthcare planning series, Absolute Trust Talk hosts Kirsten Howe and Ariana Flynn tackle the critical medical orders that work alongside your legal documents: DNR (Do Not Resuscitate) orders and POLST (Physician Orders for Life Sustaining Treatment) forms. Unlike the legal documents discussed in Part 1, these are doctors' orders that emergency responders must follow—but only if they can see them. The attorneys reveal the shocking legal reality that paramedics are required to perform CPR on anyone they find unconscious unless they have a valid DNR order in hand. They explain why POLST forms are printed on hot pink paper (it's a genius design for emergency visibility), where to keep these life-saving documents so they're accessible when seconds count, and why you need both medical orders AND legal documents working together. This episode could save your life by ensuring your emergency medical wishes are honored when you can't speak for yourself. Time-stamped Show Notes: 0:00 Introduction 1:15 DNR (Do Not Resuscitate) explained - emergency medical protective orders for EMS 2:33 Who can sign DNR orders, and how they become part of your medical record 3:25 The paramedic dilemma - why emergency responders MUST perform CPR unless they see a DNR 4:28 The "lying on the sidewalk" scenario that reveals the shocking legal requirement 5:00 Why your DNR needs to be accessible - it's not tattooed on your forehead 5:45 Where to get DNR forms and the California Medical Association resource 5:58 POLST forms explained - going beyond DNR with comprehensive medical orders 8:21 Real-world POLST placement in assisted living and skilled nursing facilities 8:54 Why these are doctors' orders, not legal documents, attorneys can prepare 9:15 The essential combination - why you need DNR, POLST, AND healthcare directives working together Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37871345
info_outline
189: Your Healthcare Voice: Understanding Advanced Directives
08/06/2025
189: Your Healthcare Voice: Understanding Advanced Directives
In this episode of Absolute Trust Talk, host Kirsten Howe and associate attorney Ariana Flynn tackle one of the most misunderstood aspects of estate planning: advanced healthcare directives. This is part one of a comprehensive three-part series covering end-of-life and healthcare planning. The attorneys break down the two critical legal documents every adult needs, regardless of age or wealth. They explain why everyone 18 and older must have an Advanced Healthcare Directive, revealing the shocking truth that parents lose all legal authority over their adult children's medical decisions the moment they turn 18. The discussion also covers California-specific HIPAA requirements that could invalidate your documents if not properly formatted, including the surprising rule about 14-point font requirements. This episode provides essential information that could protect you and your loved ones when it matters most, offering clarity on the difference between legally binding authority and personal wishes in healthcare planning. Time-stamped Show Notes: 0:00 Introduction 2:47 Understanding the Advanced Healthcare Directive - one of the "big four" estate planning documents. 3:57 Why everyone 18+ needs this document, regardless of wealth. 4:29 Did you know? Healthcare directives are temporary and revocable. 5:29 Listen in as Kirsten and Ariana discuss a critical distinction between legally binding authority and personal wishes. 6:05 Understanding HIPAA releases and federal privacy laws. 7:08 Start listening now to learn about California's extra requirements that could invalidate your documents. 9:15 Have you done this homework in your estate planning journey? Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37703895
info_outline
188: Are You Risking Everything? The Insurance Your Business Can't Operate Without (Part 3)
07/25/2025
188: Are You Risking Everything? The Insurance Your Business Can't Operate Without (Part 3)
In the compelling finale of this three-part insurance series, host Kirsten Howe and insurance expert Dean Myers tackle the coverage that keeps business owners up at night—cyber insurance. Dean shares fascinating real-world stories, from ransomware attackers offering customer service hotlines to disgruntled employees planting digital "time bombs" in company systems. You'll discover why this isn't just another insurance policy but essential business survival protection that covers everything from system failures to deepfake fraud. Dean reveals the surprising realities about whether companies should pay ransoms, how insurers use "white hat" attacks during applications, and why Silicon Valley startups are outpacing traditional insurance giants. If you think your business is too small to be targeted or that basic IT protection is enough, this episode will be a wake-up call you can't afford to ignore. Time-stamped Show Notes: 0:00 Introduction 1:12 What is cyber insurance, and why it's the broadest coverage for such esoteric risks? 1:48 The comprehensive scope: system failure, ransomware, business email compromise, business interruption, contingent business interruption, and forensics coverage. 2:15 Why cyber claims require hiring attorneys, CPAs, forensics experts, claims adjusters, and legal counsel, unlike traditional workers' comp claims. 2:45 The two key reasons carriers provide such broad coverage: rapid system restoration at the lowest cost and mandatory industry claim reporting. 3:48 How cyber insurance provides both first-party and third-party coverage, protecting you when you accidentally send infected emails to clients. 4:37 Real-world business email compromise: When hackers send fake invoices to your clients from compromised email accounts. 5:10 Why cyber attacks almost always originate overseas in countries with lax cybersecurity laws and accountability. 5:37 Will cyber insurance pay ransoms, and when is it appropriate? 6:42 Real claim story: How a tired CPA two days before tax season fell for a phishing email with a partner's name containing just one extra letter 8:25 Why paying ransoms creates a "bull's eye on your back" and marks you as a repeat target for extortionists. 11:06 Cyber insurance qualification requirements, why multi-factor authentication is now absolutely mandatory across all carriers. 12:15 "White hat" mock attacks: How insurers test your system vulnerabilities during the application process using the "open parking spot" analogy. 14:41 Insider sabotage case study: Bay Area law firm manager discovers her job posted on LinkedIn, teams up with IT brother-in-law for revenge. 15:53 The emerging deepfake threat, how voice cloning technology is creating new fraud risks for fund transfers. 16:25 Protection strategies: Using "trip questions" with personal knowledge to verify client identity during suspicious calls. 17:12 The AI counterbalance: How artificial intelligence may help prevent cyber claims in the future. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37541765
info_outline
187: Are You Risking Everything? The Insurance Your Business Can't Operate Without (Part 2)
07/10/2025
187: Are You Risking Everything? The Insurance Your Business Can't Operate Without (Part 2)
Most professionals know they need insurance, but many don't realize their general liability coverage has significant gaps when it comes to professional services. In this episode of Absolute Trust Talk, host Kirsten Howe continues her conversation with Dean Myers, owner of Core Insurance Agency, to explore errors and omissions insurance—specialized coverage designed specifically for professional liability risks. Discover which professions beyond doctors and lawyers should consider E&O coverage, including architects, engineers, accountants, and contractors who incorporate design elements into their work. Learn what actually drives malpractice claims (hint: it's often administrative issues rather than technical errors), how premium costs vary between specialties, and what "tail coverage" means for your long-term protection. Whether you're evaluating your current coverage or exploring professional insurance for the first time, this conversation offers practical insights to help you understand your options. This is Part 2 of our business insurance series—our next episode will cover cyber liability coverage. Time-stamped Show Notes: 0:00 Introduction 1:06 What is E&O insurance, and why do professionals need specialized coverage beyond general liability? 3:57 Why E&O is standalone coverage excluded from all other policies, and why you need a specialist broker to obtain it. 4:13 How premium costs vary dramatically based on practice area - why patent and intellectual property lawyers pay more than estate planning attorneys. 5:04 International patent claims require specialty counsel charging far more than standard insurance defense rates, driving up premium costs significantly. Here’s what you need to know. 6:00 Medical malpractice reality: why dermatologists pay less than obstetricians, and why anesthesiologists face high premiums due to drug access. 7:00 The surprising truth: over 50% of legal malpractice claims are purely administrative failures, not technical errors. 7:58 Real claim example: lawyer's failure to appear in Los Angeles County court from Santa Barbara - distance and backup planning matter. 8:44 Why lawyers excel at risk management by staying in their lanes and being selective with clients. 9:37 How ER physicians are paid per patient visit, creating potential conflicts between volume and quality of care. 12:03 The contractor design trap: why general contractors who design staircases, handrails, or balconies face uncovered exposures. 13:31 How contractors win bids by offering design services but create massive liability gaps their standard coverage won't protect. 14:43 Tail coverage explained: protecting your retirement from claims that surface years after you close your practice. 15:15 Picture yourself on a beach in Fiji, five years after retiring, when a claim surfaces from your past work-tail coverage protects you. 16:08 Good news about tail coverage: no applications required, elect the coverage when you retire. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37356870
info_outline
186: Jimmy Buffett's $275M Trust Battle: Why Co-Trustees Can Destroy Your Estate Plan
07/10/2025
186: Jimmy Buffett's $275M Trust Battle: Why Co-Trustees Can Destroy Your Estate Plan
In this episode of Absolute Trust Talk, California estate planning attorney Kirsten Howe examines the explosive trust dispute erupting over Jimmy Buffett's $275 million estate. When the legendary Margaritaville songwriter passed away, he left his fortune in an irrevocable trust with his widow Jane Buffett and co-trustee Richard Mozenter managing the assets together. Now they're locked in competing estate litigation across Florida and California, each seeking to remove the other as trustee through costly court battles. This high-profile celebrity estate case illustrates why co-trustees in estate planning often create more problems than solutions. Walnut Creek estate planning attorney Kirsten analyzes how a quarter-billion-dollar trust generating only $2 million annually raises serious trust performance red flags and reveals why 25% of estate planning clients make this same dangerous trustee selection mistake. The key estate planning lesson: co-trustees must agree on every trust administration decision, and when trustee disagreements arise, expensive estate litigation almost always becomes inevitable. Time-stamped Show Notes: 0:00 Introduction 0:52 Jimmy Buffett left his $275 million estate in a trust managed by his wife Jane and co-trustee Richard Mozenter, but they're now locked in bitter legal warfare. 1:30 Legal battle erupts across two states as Richard sues Jane in Florida, claiming she's uncooperative, while Jane countersues in California, alleging he withholds financial information. 3:10 Why is a $275 million trust only generating $2 million annually for Jane, and can this income sustain the wealthy lifestyle she's maintained for decades? 4:35 Learn why co-trustees create inevitable disaster when two people must agree on every decision, and disagreements force expensive court intervention. 5:15 The simple solution that prevents family warfare - choose one trusted person instead of co-trustees to avoid years of costly Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37356530
info_outline
185: Are You Risking Everything? The Insurance Your Business Can't Operate Without
06/24/2025
185: Are You Risking Everything? The Insurance Your Business Can't Operate Without
Many business owners purchase insurance without truly understanding what they're buying or what critical coverage they might be missing. Host Kirsten Howe addresses this knowledge gap by welcoming Dean Myers, owner of Core Insurance Agency, to reveal the fundamental insurance coverage every business owner needs before opening their doors. Dean, who specializes in errors and omissions insurance for lawyers, accountants, doctors, and professional trustees, breaks down the three critical pillars of business insurance: workers' compensation, general liability, and property insurance. As the first installment of a multi-part series, the focus centers on the absolute basics that form the foundation of any solid business insurance strategy. Dean demystifies workers' compensation requirements in California, explaining why it's legally mandatory even for part-time employees and how the no-fault system protects both employers and workers. The conversation explores the role of general liability insurance in protecting against third-party claims, encompassing a range of incidents, from slip-and-fall accidents to product liability issues. It explores the comprehensive coverage of property insurance, including business interruption and extra expense provisions. Whether you're a solo practitioner considering your first employee or an established business owner reviewing your coverage, the discussion provides crucial insights into protecting your business from day one. Time-stamped Show Notes: 0:00 Introduction 2:12 Meet Dean Myers, founder of Core Insurance Agency and specialist in professional liability coverage. 3:04 Listen in to learn about the three non-negotiable insurance pillars every business needs, plus why California law demands workers' comp coverage even for your first part-time employee. 5:04 Workers' comp is identical across all carriers by law, but the "no-fault" system means injured employees can never sue you. 7:06 Did you know? Injured workers typically receive only two-thirds of their salary because insurance companies aim to incentivize their return to work. 9:27 Office workers pay vastly different premiums than construction crews, and your claims history can earn you substantial discounts or painful penalties. Here’s what you need to know. 10:02 Pro Tip: Insurance companies often offer free risk management consultations that many businesses overlook, potentially missing out on significant premium savings. 14:20 Next, Kirsten and Dean discuss understanding the difference between premises coverage and products liability, which can help you avoid accidentally choosing the wrong protection. 15:51 Property insurance covers everything from meteor strikes to water damage, but the real goldmine is business interruption coverage. 17:31 Business interruption pays your lost revenue and employees' salaries when disaster shuts you down, plus covers temporary facilities while you rebuild. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37137325
info_outline
184: From One Direction to No Direction: What Liam Payne's Estate Teaches Us About Planning
06/24/2025
184: From One Direction to No Direction: What Liam Payne's Estate Teaches Us About Planning
In this episode of Absolute Trust Talk, host Kirsten Howe examines the estate complications following One Direction member Liam Payne's tragic death in Argentina in fall 2024. At just 30 years old, Payne left behind a $32 million estate—but no will. His complex assets include performance income, solo artist earnings, brand deals, music publishing rights, and venture investments. Without estate planning, his 8-year-old son Bear becomes the sole intestate heir, inheriting the full amount at age 18. Kirsten analyzes the cascading problems: massive probate fees (at least $376,000 in California), no designated asset management for the minor child, potential displacement of Payne's live-in girlfriend, substantial estate taxes on $18 million (a 40% rate), and no provisions for parents or siblings. This case illustrates how even young, successful individuals require comprehensive estate planning to safeguard their loved ones and preserve their wealth. The key lesson: don't die intestate—unexpected death can happen at any age, making proper planning essential for anyone with assets and people they care about. Time-stamped Show Notes: 0:00 Introduction 0:57 Listen as we discuss the untimely passing of Liam Payne and his $32 million estate with complex assets and no will 2:16 While Liam is a citizen of the UK, we’re going to analyze his case as if it were under California law, and why probate is problematic for large estates 3:19 The massive cost of probate: $376,000+ in statutory fees alone for complex assets such as those like Liam’s 4:33 Estate Planning Lesson #1: No chosen asset management for minor child - court appoints ex-girlfriend and music lawyer 5:52 Estate Planning Lesson #2: 18-year-old inheritance age - few parents think this is appropriate for $32 million 6:35 Estate Planning Lesson #3: No provisions for other family members - parents, siblings get nothing 7:24 Estate Planning Lesson #4: Live-in girlfriend faces potential eviction with no inheritance rights 8:16 Estate Planning Lesson #5: Massive estate tax liability - 40% on $18 million could have been minimized 9:16 Key takeaway: Estate planning is essential at any age when you have assets and loved ones Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/37136945
info_outline
183: Beyond Borders: International Estate Planning Essentials for Families (Part 3)
06/05/2025
183: Beyond Borders: International Estate Planning Essentials for Families (Part 3)
In this final installment of Absolute Trust Talk's international estate planning series, host Kirsten Howe concludes her conversation with estate planning specialist Janet Brewer, addressing one of the most common cross-border scenarios: U.S. citizens who own property abroad. Janet, with over 30 years of experience serving Silicon Valley's international clientele, explains why simply leaving foreign property to your US trust won't work, since most countries don't recognize trusts at all. This episode highlights the crucial distinction between countries that recognize trusts (primarily former British colonies) and those that don't, and examines practical solutions, including the Hague Convention on International Wills and strategic "situs wills," which can prevent costly intestate succession. Janet shares how to navigate the complex process of probating wills in multiple countries and introduces listeners to STEP (Society of Trust and Estate Practitioners), an invaluable resource for finding qualified international estate planning professionals worldwide. Whether you've inherited a cottage in England, own investment property in India, or have family assets in China, this episode provides essential guidance for protecting your foreign holdings and ensuring your wishes are honored across borders. Time-stamped Show Notes: 0:00 Introduction 2:27 Janet explains the fundamental problem: Most countries don't recognize trusts, making standard US estate planning ineffective for foreign property 3:04 Discover which countries DO recognize trusts: primarily former British colonies like England, while Germany, China, and France do not 3:08 Learn about the Hague Convention on International Wills - a treaty that allows properly formatted wills to be honored across participating countries 5:57 The reality check: Most clients have their primary assets in the US but own that "little pocket of assets" overseas 6:07 Janet walks through the practical challenge of having one original will needed in two different countries 7:03 Strategic will drafting: How to structure wills to handle both US trusts and foreign property distributions effectively 10:07 Why you MUST work with an attorney in the foreign jurisdiction - forced heirship laws and other local requirements can override your US planning 11:10 Meet STEP: The Society of Trust and Estate Practitioners - your go-to resource for finding qualified international estate planning professionals 12:53 How STEP membership requirements vary by country, with stricter vetting in the UK compared to more relaxed US standards 13:56 Closing thoughts and appreciation for the three-part international estate planning series Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36873545
info_outline
182: Beyond Borders: International Estate Planning Essentials for Families (Part 2)
05/28/2025
182: Beyond Borders: International Estate Planning Essentials for Families (Part 2)
In this second installment of Absolute Trust Talk's international estate planning series, host Kirsten Howe welcomes back estate planning specialist Janet Brewer to explore advanced strategies for families with cross-border connections. Building on their previous discussion of guardianship challenges, this episode focuses on critical tax considerations and financial hurdles faced by international families. Janet, a certified specialist with over 30 years of experience serving Silicon Valley clients, explains the unique tax opportunities available to visa holders with stock options and RSUs, which could result in savings of hundreds of thousands of dollars in estate taxes. The conversation reveals why appointing trustees who live abroad can trigger costly "foreign trust rules" and explores practical obstacles, such as banking restrictions, that complicate international wealth transfers. Janet and Kirsten also discuss the unexpected documentation requirements that can delay inheritance distributions to beneficiaries across borders, including the little-known "transfer tax certificate" that can hold up distributions for 6-9 months even when no tax is owed. Whether you're working in the US on a visa, have family members overseas, or are a US citizen living abroad, these expert insights could protect your hard-earned wealth from unnecessary complications and taxation. Time-stamped Show Notes: 0:00 Introduction 1:22 Janet introduces a common scenario: Visa holders with stock options and RSUs who need specialized planning. 2:54 Did you know? US citizens enjoy a nearly $14 million exemption, while non-US domiciliaries face estate tax after just $60,000. 4:56 Discover the key "planning opportunity" for visa holders: Gifts of US stock aren't subject to gift tax, but the same stock in their estate would face up to 40% tax at death. 8:53 Janet explains the critical distinction between "residence" and "domicile" for tax purposes, and how visa holders can legally leverage this difference. 11:31 Find out why appointing a foreign trustee can trigger costly "foreign trust rules" that reduce funds available for beneficiaries. 13:42 Learn about the growing practical challenge of US banks refusing accounts for trustees who don't have US addresses. 16:17 Next, Kirsten and Janet discuss why hiring a US-based professional fiduciary might be the most cost-effective solution despite the emotional preference for family trustees. 18:49 Obtaining an ITIN (International Taxpayer ID Number) can delay distributions by months, another documentation hurdle that foreign beneficiaries face. 22:09 Janet shares a recent discovery about US citizens living abroad: their US assets require a "transfer tax certificate" that can take 6-9 months from the IRS, even when no tax is owed. 25:44 Here’s a workaround for the transfer tax certificate delay: Opening a probate proceeding can allow distributions to proceed more quickly. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36756180
info_outline
181: Beyond Borders: International Estate Planning Essentials for Families
05/28/2025
181: Beyond Borders: International Estate Planning Essentials for Families
In this episode of Absolute Trust Talk, host Kirsten Howe welcomes estate planning specialist Janet Brewer to explore the unique challenges faced by immigrants and international families when planning for their future. Janet, with over 30 years of experience serving clients throughout Silicon Valley, brings her vast knowledge to address the specific concerns of non-resident aliens, visa holders, green card holders, and other international families with U.S.-based assets. As a member of the invitation-only Society of Trust and Estate Practitioners (STEP), Janet regularly prepares estate plans for foreign nationals who own property or live in the US and for US citizens who own property abroad. During this discussion, they examine the critical considerations for guardianship of minor children across international boundaries, practical solutions for emergency situations, and financial strategies to protect loved ones regardless of where they call home. The conversation highlights how international estate planning requires careful attention to both legal requirements and practical implementation across different jurisdictions. Time-stamped Show Notes: 0:00 Introduction 3:41 Learn about the biggest concern for international clients: ensuring their children can return to family in their home country if something happens to the parents. 4:43 While California allows foreign guardians, it does vary by state. 6:40 Understand the critical distinction between technical jurisdiction and actual enforcement power when children leave California for another country. 7:54 Janet highlights that challenges with out-of-state guardianship exist even within the United States, creating similar concerns to those found in international guardianships. 9:41 Find out about temporary guardianship arrangements needed to bridge the gap when appointed guardians live far away. 11:51 Hear Janet's insightful perspective that international guardianship is "a question of degree, not difference" compared to distant domestic guardianships. 12:17 Start listening now to learn about potential complications when children are taken across borders without judicial approval. 14:31 Janet shares a clever software analogy to explain why trust documents need specific instructions for authorizing payments to guardians for travel expenses. 16:36 Discover why life insurance is a crucial financial solution for international families, providing quick liquidity without market timing concerns. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36752510
info_outline
180: Divorce in Progress: Safeguarding Your Estate Plan Before It's Final (Part 2)
05/09/2025
180: Divorce in Progress: Safeguarding Your Estate Plan Before It's Final (Part 2)
In this episode of Absolute Trust Talk, host Kirsten Howe and associate attorney Jessica Colbert continue their discussion on estate planning during divorce proceedings with practical solutions. Following their previous episode on the potential problems that can arise if someone becomes incapacitated or dies during divorce, they now focus on preventative measures. The attorneys explain how to ensure your soon-to-be ex-spouse doesn't maintain control over your healthcare decisions or inherit your assets contrary to your wishes. They discuss the creation of new healthcare directives, powers of attorney, wills, and trusts—all while navigating the automatic temporary restraining orders (ATROs) that restrict asset transfers during divorce. This episode, part two of their divorce series, provides clear guidance on proper timing of estate planning updates during divorce to protect yourself legally before the process is finalized. Time-stamped Show Notes: 0:00 Introduction 2:03 How to avoid having your spouse be responsible for you if incapacitated 2:26 Next, Kirsten and Jessica discuss options for those who have never created estate planning documents 2:48 What should you do if you already have documents naming your spouse? 3:16 Now, let’s talk about how to prevent your spouse from inheriting if you die before the divorce is final 5:23 What are the next steps for clients who already have a joint trust with their spouse? 6:07 Let’s clarify the importance of following trust-specific revocation methods and requirements during divorce 7:44 Finally, listen as Kirsten and Jessica talk about why accepting potential probate may be necessary and worth it Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36513135
info_outline
179: Divorce in Progress: Safeguarding Your Estate Plan Before It's Final
05/09/2025
179: Divorce in Progress: Safeguarding Your Estate Plan Before It's Final
In this episode of Absolute Trust Talk, host Kirsten Howe and associate attorney Jessica Colbert discuss critical estate planning considerations during divorce proceedings. They explore what happens if someone becomes incapacitated or dies while their divorce is still pending, revealing potentially unwelcome consequences if proper planning isn't in place. The discussion highlights how existing estate plans typically name a spouse as the primary decision-maker and beneficiary—a designation most divorcing individuals would want to change immediately. Without written estate plans, the situation becomes even more complicated, potentially requiring expensive and contentious conservatorship proceedings for incapacity or following intestacy laws upon death that would likely favor the soon-to-be ex-spouse. This episode, part one of a two-part series, emphasizes that you remain legally married until a judge finalizes your divorce, meaning all existing estate planning designations remain in effect unless proactively changed. Time-stamped Show Notes: 0:00 Introduction 2:10 What happens if you become incapacitated during divorce with a written estate plan 2:52 The consequences of becoming incapacitated without a written estate plan during divorce 3:28 Brief explanation of the conservatorship process and why it should be avoided 5:03 What happens if you die before your divorce is finalized 5:12 Death without a written estate plan during divorce: intestacy and its complications 6:29 How existing written estate plans remain in effect until the divorce is finalized Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36512010
info_outline
178: 3 Critical Estate Planning Lessons from Richard Simmons' Legacy Battles
04/24/2025
178: 3 Critical Estate Planning Lessons from Richard Simmons' Legacy Battles
In this episode of Absolute Trust Talk, host Kirsten Howe examines the estate complications following Richard Simmons' death in July 2023. She details the ongoing legal dispute between Simmons' brother Leonard (named trustee) and Teresa, his housekeeper of 30 years who briefly served as co-trustee before a contested resignation. The conflict centers around approximately $1 million in personal property—primarily jewelry—that Teresa allegedly took when evicted from Simmons' home. While Teresa claims Simmons gifted her the jewelry in 2014, Leonard argues documentation proves otherwise. Kirsten extracts three valuable lessons: first, avoid naming co-trustees, especially in complex estates where a professional trustee would be more effective; second, document valuable lifetime gifts to prevent future disputes; and third, include specific provisions for non-owner residents in your estate plan to prevent eviction complications. This case study highlights how proper estate planning can prevent family conflicts, protect valuable assets, and ensure thoughtful treatment of longtime household members after death. Time-stamped Show Notes: 0:00 Introduction 1:30 Meet the central figures in this estate drama: Teresa, the housekeeper, vs. Leonard, the brother. 2:05 From co-trustee to eviction, let’s talk more about the shocking timeline after Simmons' death. 3:15 The million-dollar mystery: where did Richard Simmons' valuable jewelry disappear to? 4:20 Next, we’ll discuss the number one estate planning lesson this case reveals: why co-trustees can transform estates into battlegrounds. 5:45 Estate Planning Lesson #2: Gifting jewelry? Why documentation might be your best accessory 6:30 And last but not least, estate planning lesson number three, the critical provision that could have prevented a housekeeper's Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36301825
info_outline
177: Inside the Heated Padres Inheritance Feud: What It Teaches Us About Sound Estate Planning
04/15/2025
177: Inside the Heated Padres Inheritance Feud: What It Teaches Us About Sound Estate Planning
In this all-new episode of Absolute Trust Talk, Kirsten Howe and her associates, Jessica Colbert and Ariana Flynn, delve into the complex estate battle surrounding the late San Diego Padres owner, Peter Seidler. The MLB team finds itself at the center of a legal dispute as Seidler's wife, Sheel, contends with his brothers over control of the franchise. With allegations of breached trust, fraud, and self-dealing, the case highlights the intricacies of estate planning for high-net-worth individuals and the potential pitfalls of ambiguous or informal documentation. While largely speculation, the conversation also explores the crucial role of trustee selection and the challenges of navigating ownership agreements in the context of professional sports. Tune in for expert insights on safeguarding your legacy, minimizing the risk of litigation, and ensuring your estate plan is as airtight as your favorite team's defense. Time-stamped Show Notes: 0:00 Introduction 1:08 To kick things off, let’s dive into the complex estate battle of the late San Diego Padres owner, Peter Seidler. Listen in for a discussion of how Seidler's wife, Sheel, takes on his brothers in a heated legal fight to control the MLB team. 1:20 Breached trust, fraud, and self-dealing - the hosts break down the allegations and their implications for estate planning. 3:00 Next, let’s examine the role of the Padres' "control person" and how it complicates the case and its potential outcome. 4:06 The function of a trustee is vital in estate planning. Here are some tips on how to avoid family feuds and ensure impartiality in estate administration. 7:05 Learn how Major League Baseball's unique ownership regulations can complicate estate planning for team owners. 7:59 Handwritten wills and informal estate documents: Why they often lead to legal disputes and how to avoid them. 9:12 Tune in now for what you need to know about recognizing the importance of following proper legal procedures to ensure estate plans are legally sound and enforceable. 10:36 Gain insights into how emotional reactions and unexpected human behavior can significantly impact estate disputes and learn strategies to mitigate these risks. 11:03 Key takeaways from the Padres' estate battle for creating effective and resilient estate plans. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36151895
info_outline
176: Behind the Headlines: Gene Hackman's Estate Plan and What We Can Learn
04/09/2025
176: Behind the Headlines: Gene Hackman's Estate Plan and What We Can Learn
In this episode of Absolute Trust Talk, Kirsten Howe, managing attorney at Absolute Trust Counsel, and associate attorney Jessica Colbert examine the estate of beloved actor Gene Hackman. They meticulously analyze the available court records from Santa Fe County, New Mexico, and contrast them with California's probate procedures. The attorneys skillfully debunk sensationalized headlines about Hackman's will, explaining the mechanics of pour-over wills and why media claims about his children being "cut out" are potentially misleading. While much of the discussion is speculation, they provide valuable insights into how proper estate planning anticipates contingencies like beneficiaries predeceasing the trustor. This episode demonstrates why understanding the difference between public court filings and private trust documents is crucial for anyone planning their estate. Time-stamped Show Notes: 0:00 Introduction 2:39 Unraveling the court filings: What exactly was submitted in Santa Fe County after Gene Hackman's death? 3:46 Who is Julia Peters, and how did she become the personal representative of Hackman's estate? 5:00 California vs. New Mexico: Next, let’s dive into how "informal probate" creates a dramatically different process. 7:03 Separating fact from fiction: What headlines get wrong about Hackman's estate planning. 8:05 "His children are cut out." Here, Kirsten and Jessica debunk the sensational claims about Hackman's will. 10:00 The unexpected twist: What happens when a primary beneficiary predeceases the trustor? 11:44 The mysterious "GEBE" trust is revealed. Listen in as Kirsten and Jessica explore Hackman's power of appointment. 13:32 Why Hackman's true wishes may remain private forever - Unless litigation changes everything. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/36064960
info_outline
175: The Valuation Puzzle: What Your Assets Are Really Worth: Part 2
04/01/2025
175: The Valuation Puzzle: What Your Assets Are Really Worth: Part 2
In this episode of Absolute Trust Talk, host Kirsten Howe continues her valuation discussion with expert Alex Spaete from Bridge Forensic CPAs, exploring the intricacies of asset valuation. The discussion focuses on how privately held assets are valued, particularly examining discount factors applied to LLC interests based on control limitations and marketability constraints. Alex explains how family dynamics influence valuations, especially when implicit control exists despite limited ownership percentages. The conversation covers valuation approaches for unusual assets like promissory notes and accounts receivable, with Alex sharing real-world examples, including commercial rag manufacturing and Weather Derivatives. This show highlights why professional valuation expertise is essential when dealing with complex assets during estate planning, business transitions, or divorce settlements. Time-stamped Show Notes: 0:00 Introduction 2:48 Diving back into the discussion, Alex breaks down the two main components of discounts: control factors and liquidity considerations that affect final valuations. 4:10 Here, we explore how operating agreements significantly impact valuation and what control considerations you should be aware of. 4:49 Gain insights on the fascinating impact of family dynamics on valuations, mainly how they come into play in divorce scenarios. 8:17 Find out whether the IRS requires taking discounts when available and the tax implications of valuation choices. 11:06 Alex explains the complexities of valuing promissory notes and how changing interest rates can dramatically affect their worth. 12:27 Before signing off, you must hear more about Alex's most interesting case studies, including an unusual rag-making business and complex weather derivatives. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35967035
info_outline
174: Part 1: The Valuation Puzzle: What Your Assets Are Really Worth
03/25/2025
174: Part 1: The Valuation Puzzle: What Your Assets Are Really Worth
In this insightful episode of Absolute Trust Talk, host Kirsten Howe welcomes Alex Spaete, a valuation expert and partner with Bridge Forensic CPAs. In part one of their discussion, Kirsten and Alex explore the complex world of asset valuation, particularly focusing on closely held businesses and real estate holding partnerships. Alex explains why valuing private entities requires specialized expertise beyond what's needed for bank accounts or publicly traded securities. The discussion clarifies the critical distinction between owning a percentage of a business entity versus owning the underlying assets themselves. Alex details the two primary approaches to valuation—net asset value and income analysis—and how they apply to different types of business structures. Whether you're planning your estate or simply curious about business valuations, this episode provides valuable foundational knowledge about how professionals determine what complex assets are truly worth. Time-stamped Show Notes: 0:00 Introduction 3:14 To kick things off, we talk about why asset valuation matters in estate planning, particularly for complex assets. 4:35 Next, Alex explains his focus on closely held companies and non-publicly traded entities. 6:24 Now, we will dive into common valuation scenarios, particularly for privately held businesses and real estate holding partnerships. 8:02 Listen here for an explanation of real estate holding partnerships and how they differ from direct property ownership. 11:07 Learn about understanding net asset value as a critical starting point for business valuation methodologies. 12:54 Discover the important concept of discounting in valuations and why the sum of parts may not equal the whole value. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35855400
info_outline
173: Stop Family Feuds: Expert Tips for Probate Real Estate Sales
03/12/2025
173: Stop Family Feuds: Expert Tips for Probate Real Estate Sales
In this epi In this episode of Absolute Trust Talk, host Kirsten Howe welcomes real estate expert Nathan Jines from Jines Real Estate Group, Keller Williams, to discuss the complexities of selling real estate in a probate or trust administration. When a homeowner passes away, managing the sale of their property presents unique challenges, from family dynamics to market positioning. Nathan shares firsthand insights on navigating these transactions while ensuring a smooth process for grieving heirs. Key takeaways include the importance of professional guidance, how family relationships impact the selling process, and strategies for maximizing property value. Nathan also highlights real-world examples, including a recent case where pre-sale improvements increased a home's sale price by nearly double. If you’re handling a loved one’s estate or considering future planning, this episode provides invaluable insights on protecting assets and ensuring a successful sale. Time-stamped Show Notes: 0:00 Introduction 0:36 Real estate expert Nathan Jines shares his experience in handling estate property sales and why the right professional guidance matters. 2:20 Next, Nathan discusses the emotional challenges of selling inherited property, including grief, sibling disputes, and decision-making struggles. 5:29 Listen to this case study, a real-life example of an estate sale where an executor struggled to find consensus with their siblings and how professional mediation helped. 12:12 Nathan explains how strategic pre-sale improvements can significantly increase a home’s sale price, ensuring the best return for heirs. 19:08 Kirsten and Nathan share insights into what today’s buyers are looking for and how estate sellers can position their properties for success. 21:52 Did you know about these legal disclosure requirements and how cultural beliefs can impact the buyer pool? 26:49 Final Advice for Executors and Trustees: Nathan and Kirsten share their top recommendations for handling estate real estate sales smoothly and efficiently. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35653470
info_outline
171: IRS Audits Uncovered: What Triggers Them and How to Prepare
02/27/2025
171: IRS Audits Uncovered: What Triggers Them and How to Prepare
Few things are as nerve-wracking as receiving an IRS audit notice—but how do audits really work, and what can you do to protect yourself? In this episode of Absolute Trust Talk, Kirsten Howe sits down with Anthony Kim, a former IRS Chief Counsel Attorney with 26+ years of experience, to reveal the truth behind IRS audits. Tony, who has litigated complex tax cases for the U.S. Treasury Department and represented Fortune 500 companies and high-net-worth individuals at Ernst & Young, shares insider knowledge on what triggers audits, the IRS selection process, and how to avoid common red flags. You’ll learn why IRS audits are rarer than you think, the top mistakes taxpayers make, and why choosing the right representative—CPA or tax attorney?—could make or break your case. Plus, Tony drops a little-known IRS tip that could save you from missed notices and financial headaches. Don’t leave your financial future to chance! Listen now to get expert advice on navigating an IRS audit with confidence. Time-stamped Show Notes: 0:00 Introduction 0:57 Meet Anthony Kim: Former IRS Chief Counsel Attorney & tax expert 3:42 What triggers an IRS audit? Common red flags explained. 6:28 Whistleblower reports and third-party mismatches—how they lead to audits 7:46 The truth about audit risk: How rare are they, really? 8:43 Step one: How the IRS contacts you—don’t fall for scams! 10:00 The one IRS form every taxpayer should file after moving 11:00 The biggest mistake taxpayers make—what NOT to say in an audit 15:32 The worst-case audit scenarios and how to avoid them 16:49 Why even a low-risk audit could turn into a criminal case 17:24 Who should represent you in an audit? CPA vs. tax attorney debate 21:38 What happens at the end of an audit—how decisions are made 22:47 How to challenge an IRS audit decision and file a protest letter Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35465080
info_outline
172: IRS Audits Uncovered Part 2: Protests and Appeals Explained
02/27/2025
172: IRS Audits Uncovered Part 2: Protests and Appeals Explained
Intro Summary] In this follow-up episode of Absolute Trust Talk, host Kirsten Howe welcomes back tax law expert Tony Kim to continue their deep dive into IRS audits and appeals. With 26 years of experience working for the IRS, Tony provides invaluable insights into what happens after an audit determination is made. He explains the role of a protest letter, how appeals officers function as mediators, and why IRS litigation can be risky for taxpayers. Throughout the episode, Tony emphasizes the importance of organization, professionalism, and strategic decision-making when dealing with the IRS. He also shares real-world examples of how cases are resolved at different stages of the appeals process. If you're facing an IRS audit or just want to understand your rights, this episode is packed with essential knowledge. Time-stamped Show Notes: 0:00 Introduction 1:33 The protest letter: Here’s what you need to know about how it challenges IRS decisions. 4:20 Appeals officers vs. revenue agents—who decides your case? 6:16 The power of appeals—why 90% of cases never reach court. Here’s why. 8:50 Tax Court vs. District Court: Listen in as Kirsten and Tony discuss the key differences and taxpayer options. 10:44 The IRS attorney’s role—can they make things better or worse? 14:31 Next, Tony is sharing important strategies for working effectively with the IRS—what really works? 19:38 How do you determine what to look for when selecting the right tax attorney? Tune in for key considerations. 23:37 Final advice—why staying engaged in your case is crucial! Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35462620
info_outline
170: How to Secure Your Estate: Insights from O.J. Simpson’s Latest Legal Drama:
02/14/2025
170: How to Secure Your Estate: Insights from O.J. Simpson’s Latest Legal Drama:
In this episode of Absolute Trust Talk, hosts Kirsten Howe and Jessica Colbert delve into the latest twist in O.J. Simpson’s long-running estate saga. The estate’s executor has taken an unexpected step by filing a lawsuit against one of Simpson’s heirs, claiming that a key Las Vegas property was secretly transferred out of the estate’s control. As they speculate on the case, the hosts examine the potential motives behind this action—such as the strategic use of an LLC and homestead exemptions—and the significant implications for addressing Simpson’s mounting debts, including those owed to the IRS. With a thorough exploration of the executor’s critical role in managing and safeguarding estate assets, this episode is a powerful reminder of the complexities and repercussions of poorly executed estate planning. Whether you’re drawn to high-profile legal drama or seeking insights to protect your legacy, this discussion provides valuable lessons for anyone navigating the intricate world of estate administration. Time-stamped Show Notes: 0:00 Introduction 0:38 O.J.’s executor files a lawsuit against his son, Justin, alleging that a scheme was used—via an LLC—to shift ownership of O.J.’s Las Vegas home. 1:44 Next, Kirsten and Jessica dive into the discussion of the executor’s responsibility to marshal assets, ensuring funds return to the estate, and an explanation of why attorney and administrative fees come before creditor and beneficiary payments. 4:18 Do you know about the Homestead Exemption? Listen in to explore how homestead exemptions protect home equity and their potential impact in this case. 6:06 Here, the discussion shifts to whether forming an LLC was a tactic to shield the property from IRS claims and the implications of such a move. 6:45 Finally, Kirsten and Jessica analyze the uncertainty surrounding Justin’s actions and the possible motives behind the alleged asset transfer. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35286190
info_outline
169: Understanding Probate Part 3: How to Get Your Will Admitted to Probate
02/11/2025
169: Understanding Probate Part 3: How to Get Your Will Admitted to Probate
In this episode of Absolute Trust Talk, host Kirsten Howe and associate attorney Jessica Colbert explore the critical steps in getting a will admitted to probate. They explain why lodging an original, properly executed will with the county superior court is essential, and how witness testimony can authenticate the document. They also examine the pitfalls of relying on a photocopy—or finding out too late that the original has been lost or destroyed. Finally, they underscore the importance of keeping your estate documents organized to avoid future probate headaches. If you’re preparing your first will or need to update an existing one, don’t miss this critical conversation on ensuring your final wishes stand up in court. Time-stamped Show Notes: 0:00 Introduction 0:40 When lodging the original will, did you know that you must submit the current wet-signed will to the county superior court (not an older or photocopied version). 1:48 Next, Kirsten and Jessica discuss how an attestation clause (witness statements under penalty of perjury) helps ensure the will is recognized by the court. 3:45 If your will is holographic (entirely handwritten), it requires an additional step: someone familiar with the testator’s handwriting must confirm its authenticity. 6:37 If only a photocopy exists, the court may suspect the original was revoked or destroyed—making it crucial to keep track of the original. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35247145
info_outline
168: Understanding Probate Part 2: What Exactly Is a Will?
02/06/2025
168: Understanding Probate Part 2: What Exactly Is a Will?
In this episode of Absolute Trust Talk, host Kirsten Howe and associate attorney Jessica Colbert continue their deep dive into probate fundamentals by focusing on wills. They clarify what makes a will legally valid, why a handwritten (or “wet ink”) signature is still required, and how witnesses play a key role in safeguarding the document’s authenticity. They also explore the differences between a holographic will and the more formal, witnessed variety. This insightful conversation offers a clearer view of one of the most essential components of the probate process. Time-stamped Show Notes: 0:00 Introduction 1:24 Jessica defines a will as a written, hand-signed document created by the testator. 2:16 Next, Kirsten and Jessica discuss how a testator who cannot physically sign may use a mark or direct someone else to sign on their behalf. 2:36 Did you know just how important witnesses are in validating a will? Also, in California, an ink signature is still required. 3:14 Finally, Kirsten and Jessica explain holographic wills (fully handwritten) versus standard wills (requiring witnesses). Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35171415
info_outline
167: Understanding Probate: A Closer Look at the Personal Representative’s Duties
01/30/2025
167: Understanding Probate: A Closer Look at the Personal Representative’s Duties
In this episode of Absolute Trust Talk, Kirsten Howe and Associate Attorney Ariana Flynn shine a light on the often misunderstood world of probate. They discuss why estate planners typically seek to avoid probate, the situations that make it unavoidable, and the key role of the personal representative—whether executor or administrator—in guiding the process. By exploring how the court appoints someone to oversee an estate, they underscore the importance of having a well-crafted plan in place. If you’ve ever wondered about the nuts and bolts of probate or questioned whether your own estate plan is up to date, this episode offers valuable clarity and peace of mind. Time-stamped Show Notes: 0:00 Introduction 0:20 To get things started, Kirsten and Ariana explain why probate can be so costly and time-consuming and reveal why it’s still sometimes necessary—especially when someone has passed away or become incapacitated. 1:44 Next, they address the common misconceptions surrounding probate and set the stage for this mini-series dedicated to probate basics. 2:20 Listen in as Kirsten and Ariana break down the role of a personal representative, clarifying how an executor differs from an administrator. 3:27 In this part of the show, they detail the formal process of becoming an executor or administrator, including the court petition requirements. 6:05 Finally, they explore the concept of a “special administrator,” explaining why this interim role might be needed in urgent circumstances. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/35088850
info_outline
166: Don't Fall for Disaster Scams: Tips to Safely Support Fire Relief Efforts
01/22/2025
166: Don't Fall for Disaster Scams: Tips to Safely Support Fire Relief Efforts
In this episode of Absolute Trust Talk, Kirsten Howe and Jessica Colbert discuss the ongoing Los Angeles fires and offer practical advice on how to help victims without falling prey to scams. From identifying legitimate charities to safely navigating crowdfunding platforms, they outline actionable steps to ensure your generosity has a real impact. The episode also highlights essential disaster preparedness tips, including safeguarding your pets during emergencies. We’re thinking of everyone and hope you all stay vigilant, give wisely, and can help make a meaningful difference in times of crisis. Time-stamped Show Notes: 0:00 Introduction 0:53 To kick things off, we’re discussing why scams skyrocket during disasters and how to protect yourself while helping support others. 2:13 Next, we highlight actionable tips for identifying trustworthy organizations, avoiding unsolicited donation requests, and recognizing red flags in emails, texts, and calls. 5:18 Press play now to hear more about the risks of platforms like GoFundMe and how to verify campaigns to ensure your donations actually help the intended cause. 8:28 Listen in as Kirsten and Jessica talk about why financial donations are often the best way to help—and how to ensure your gift is tax-deductible and goes to legitimate causes. 10:03 Kirsten shares practical tips for pet owners, including microchipping and emergency planning, along with heartwarming stories of reunifications. 12:45 Our final call to action: Stay vigilant, protect your generosity from scams, and be part of the solution. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit .
/episode/index/show/absolutetrusttalk/id/34962125