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  • How a Medicaid Asset Protection Trust Preserves Your Savings

    How a Medicaid Asset Protection Trust Preserves Your Savings
    2026/07/21
    In this episode, Lucas and Luna dive deep into the Medicaid Asset Protection Trust (MAPT), a legal tool that lets you shelter assets from nursing home costs while still qualifying for government benefits. Using the example of a retired couple with $400,000 in savings and a home worth $350,000, they explain how transferring assets into an irrevocable trust five years before needing care can save hundreds of thousands of dollars. Lucas breaks down the five-year look-back period, the role of the trustee, and why this strategy is often overlooked. Luna asks the tough questions about losing control and the importance of timing. If you or a parent are approaching retirement and worried about long-term care costs, this episode is essential listening. #MedicaidAssetProtectionTrust #MAPT #EstatePlanning #LongTermCare #NursingHomeCosts #AssetProtection #IrrevocableTrust #FiveYearLookBack #RetirementPlanning #ElderLaw #Trusts #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna #EstatePlanningWithFexingo #WealthPreservation #MedicaidPlanning Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How a Pet Trust Cares for Your Animal Companions After Youre Gone

    How a Pet Trust Cares for Your Animal Companions After Youre Gone
    2026/07/21
    In Episode 124 of Estate Planning with Fexingo, Lucas and Luna dive into pet trusts—a legally binding way to ensure your dog, cat, or other animal is cared for if you become incapacitated or pass away. They explain how a pet trust differs from informal arrangements, why a simple will provision often fails, and the specific language needed to avoid a court battle over Rover's future. Lucas walks through a real-world example: a $50,000 trust for a parrot named Mango, including the trustee's duties, the care standard, and what happens to leftover funds. Luna asks tough questions about enforcement, choosing a caregiver, and whether a pet trust is worth it for the average listener. They also note that 48 states now have pet trust statutes—and why you might want one even if your pet isn't a parrot with a retirement fund. #PetTrust #EstatePlanning #AnimalCompanions #FurryFamily #TrustLaw #IncapacityPlanning #WillsAndTrusts #AnimalLaw #FiduciaryDuty #Beneficiary #Trustee #ProbateAvoidance #StateStatutes #UniformProbateCode #Finance #WealthTransfer #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    13 分
  • How a Marital Deduction Trust Defers Estate Tax for Surviving Spouses

    How a Marital Deduction Trust Defers Estate Tax for Surviving Spouses
    2026/07/20
    Episode 123 of Estate Planning with Fexingo dives into the marital deduction trust—often called a QTIP trust—a tool that lets a deceased spouse delay all estate tax until the surviving spouse dies. Lucas and Luna walk through a real example: a $15 million estate where a well-structured trust saves $5.4 million in taxes while still giving the surviving spouse full income for life. They explain the trade-offs, the 'all or nothing' election rule, and why this trust is especially powerful for second marriages or blended families. If you have a significant estate and want to ensure your spouse is provided for without wasting your federal exemption, this episode covers exactly how marital deduction trusts work, when to use them, and the one pitfall that can blow up the strategy. No fluff, just the mechanics and numbers that matter. #MaritalDeductionTrust #QTIPTrust #EstatePlanning #EstateTax #SpousalTrust #BlendedFamilies #SecondMarriage #TrustLaw #WealthTransfer #TaxDeferral #IRS #Fiduciary #LucasAndLuna #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #EstatePlanningWithFexingo Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How a Digital Estate Plan Prevents a Social Media Nightmare

    How a Digital Estate Plan Prevents a Social Media Nightmare
    2026/07/20
    When you die, your Facebook, Google, and Apple accounts don't just disappear. Lucas and Luna dig into the Uniform Fiduciary Access to Digital Assets Act (UFADAA) and why your will needs a digital executor. They walk through a real case: a family locked out of a deceased relative's cloud storage holding critical tax documents, and how a simple digital directive could have prevented a six-month legal battle. If you've ever clicked 'I agree' to a terms-of-service without reading it, this episode will change how you think about your online afterlife. #DigitalEstate #UFADAA #SocialMediaAfterlife #DigitalExecutor #EstatePlanning #OnlineAssets #FacebookMemorialization #AppleLegacyContact #GoogleInactiveAccountManager #CloudStorage #TermsOfService #Probate #Privacy #FiduciaryAccess #Finance #FexingoBusiness #BusinessPodcast #EstatePlanningWithFexingo Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How a Spousal IRA Strategy Boosts Retirement for a Non-Working Spouse

    How a Spousal IRA Strategy Boosts Retirement for a Non-Working Spouse
    2026/07/19
    In Episode 121 of Estate Planning with Fexingo, Lucas and Luna explore the spousal IRA—a powerful tool that allows a non-working spouse to build retirement savings based on the working spouse's income. They break down the rules, contribution limits for 2026, and how it integrates with estate planning to reduce taxable assets. Using a concrete example of a couple where one partner takes time off to raise children, they show how consistent contributions can grow to over $500,000 by retirement. The hosts also discuss conversion strategies to Roth IRAs and the impact of the SECURE Act on inherited IRAs. This episode is essential for any married couple looking to maximize retirement savings and minimize future estate taxes. #SpousalIRA #RetirementPlanning #EstatePlanning #RothIRA #SECUREAct #MarriedCouples #TaxStrategy #RetirementSavings #IRAContributions #NonWorkingSpouse #FinancialPlanning #WealthTransfer #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #LegacyPlanning #IRARules Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How a Special Needs Trust Protects a Disabled Beneficiary’s Government Benefits

    How a Special Needs Trust Protects a Disabled Beneficiary’s Government Benefits
    2026/07/19
    In this episode of Estate Planning with Fexingo, Lucas and Luna break down the Special Needs Trust, often called a supplemental needs trust. They explain how this trust allows parents to leave money for a disabled child without disqualifying them from Medicaid or Supplemental Security Income. Using the example of a family leaving $300,000 to a son with a disability, they walk through the trust’s structure, the rules on distributions, and what happens when the trust ends. They also address why a simple inheritance can be devastating for a beneficiary on means-tested benefits. This is a must-listen for anyone with a disabled family member who wants to provide financial support while preserving crucial government aid. The episode also covers first-party vs. third-party special needs trusts and the importance of choosing the right trustee. #SpecialNeedsTrust #SupplementalNeedsTrust #EstatePlanning #DisabilityPlanning #Medicaid #SupplementalSecurityIncome #TrustLaw #BeneficiaryProtection #GovernmentBenefits #FinancialPlanning #InheritancePlanning #FamilyWealth #Trustee #FexingoBusiness #Finance #BusinessPodcast #LucasAndLuna #EstatePlanningWithFexingo Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How a Life Insurance Trust Keeps Payouts Out of Your Taxable Estate

    How a Life Insurance Trust Keeps Payouts Out of Your Taxable Estate
    2026/07/18
    Episode 119 of Estate Planning with Fexingo unpacks the irrevocable life insurance trust, or ILIT. Many people assume life insurance proceeds pass tax-free to heirs—and they do from income tax, but the death benefit can still inflate your taxable estate above the federal exemption. Lucas and Luna walk through a concrete example: a $2 million policy on a married couple with a $13.61 million estate exemption in 2026. They explain how an ILIT removes the policy from ownership, avoids estate tax on the payout, and gives the trustee control over distributions to protect beneficiaries from creditors, divorce, or poor money management. The episode also covers Crummey powers, which let you use annual gift tax exclusions to fund premiums, and the three-year lookback rule if you transfer an existing policy. No legal advice—just a clear, practical explanation of a versatile trust that high-net-worth families use to preserve wealth across generations. #ILIT #IrrevocableLifeInsuranceTrust #EstatePlanning #LifeInsurance #Trusts #EstateTax #GiftTax #CrummeyPower #WealthTransfer #AssetProtection #Beneficiary #Trustee #Finance #FexingoBusiness #BusinessPodcast #EstatePlanningPodcast #WillsAndTrusts #GenerationalWealth Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How a Qualified Terminable Interest Property Trust Provides for a Surviving Spouse While Preserving Assets for Children

    How a Qualified Terminable Interest Property Trust Provides for a Surviving Spouse While Preserving Assets for Children
    2026/07/18
    In this episode of Estate Planning with Fexingo, Lucas and Luna explore the QTIP trust—a Qualified Terminable Interest Property trust. They explain how this estate planning tool allows you to provide income for a second spouse while ensuring the principal ultimately passes to children from a first marriage. Using a concrete example of a $10 million estate, they walk through how a QTIP trust works, when it makes sense, and the trade-offs involved. They also discuss the importance of selecting a trustee carefully and how the trust interacts with the federal estate tax exemption. Perfect for blended families or anyone wanting to balance spousal support with legacy goals. #QTIPTrust #QualifiedTerminableInterestProperty #EstatePlanning #BlendedFamilies #SecondMarriage #TrustPlanning #SpousalSupport #EstateTax #AssetProtection #InheritancePlanning #FamilyLegacy #Finance #PersonalFinance #WealthManagement #FexingoBusiness #BusinessPodcast #EstatePlanningWithFexingo #TrustsAndEstates Keep every episode free: buymeacoffee.com/fexingo
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    13 分