『The Wealth Transfer Podcast』のカバーアート

The Wealth Transfer Podcast

The Wealth Transfer Podcast

著者： Matt Templeton
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 As much as 84 Trillion dollars worth of US assets - wealth - will transfer to younger generations over the next 20 years, but the received value of those assets may be significantly less. Whether its taxes, poor management, or just plain moth and rust, estate values are affected by unforeseen threats. On the wealth transfer podcast, we examine and breakdown the best strategies for leaving a financial legacy to the next generation. We look at accessible strategies for the every day man and advanced planning for the ultrawealthy. We talk to advisors, attorneys, planners, and prognosticators to dig up how you can protect your estate and have the most for future generations.Copyright 2025 All rights reserved. 経済学
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  • A Better Way to Exit Your Business: ESOPs, Tax Strategy & Legacy Planning | Luke Britt

    A Better Way to Exit Your Business: ESOPs, Tax Strategy & Legacy Planning | Luke Britt
    2025/12/16
    Planning the future of your business isn’t just about selling at the right time — it’s about protecting your life’s work, aligning your advisors, reducing risk, and setting your family up for multi-generational success. In this episode, Matt sits down with Luke Britt, CLU®, RICP®, Practice Director of Advanced Planning at Level Four Financial, where he serves ultra-high-net-worth families and business owners with integrated estate planning, business succession strategy, and transition planning. Luke advises on complex tax structures, ESOPs, legacy planning, and the art of preparing a business years before an exit becomes visible. Together, Matt and Luke unpack: 💼 Business Exit Strategy Why waiting is the #1 mistake owners make before an exit How to de-risk a business to increase valuation What buyers look for in clean data and organized financials The four must-have advisors for any successful transition 🏛️ ESOPs & Advanced Options When an ESOP is the right path for selling to employees Why ESOPs preserve culture, retain talent, and build long-term stability EBITDA thresholds and organizational requirements for ESOP viability 🏠 Integrated Estate & Legacy Planning How integrated planning aligns the attorney, CPA, financial advisor & business consultant Why “spoiling kids” is often a myth — and how values-based planning prevents it What wealthy parents should transfer besides money How to think in 100-year arcs when building your family mission Luke also shares insights into: Private credit, real estate mixes, and how UHNW families think about allocation The mindset shift from “building a business” to “building a family enterprise” How to structure trustees, governance, and long-range stewardship Whether you’re five years from selling your business — or unsure if you ever want to — this episode will reshape how you think about wealth, purpose, and the transition ahead. 👤 Guest: Luke Britt, CLU®, RICP® Practice Director – Advanced Planning & Business Solutions Level Four Financial | CRI Advisors 📍 Dallas, TX 🌐 www.levelfourgroup.com 📧 lbritt@levelfourfinancial.com 📞 972.284.5481 👋 Connect With Matt Templeton Real Estate Planner | Wealth Transfer Strategist Founder, Templeton Real Estate Group If you need trusted introductions to attorneys, CPAs, financial advisors, 1031 experts, or estate professionals — reach out anytime. 📧 matt@templeton.realestate 📞 972-677-3991 We guide families through life’s biggest real estate transitions. 🕒 SHOW NOTES + TIMESTAMPS 00:00 — Introduction Why business planning and legacy are inseparable. Luke’s role advising families and business owners. 01:00 — What Luke Does The two sides of his practice: • Business advisory • Advanced integrated estate planning How they work together to prepare a business years before an exit. 02:00 — The Tax Nerd + Pastoral Counselor Why technical expertise isn’t enough — and why legacy conversations matter. 03:00 — Preparing the Family, Not Just the Plan Why “spoiling kids” is a myth when families articulate values. How healthy families prepare heirs emotionally and relationally. 05:30 — How Business Advisory Works Data gathering → financial modeling → de-risking → exit path selection. Why business financials are often the greatest barrier to valuation. 08:00 — ESOPs Explained Simply What they are, who they’re for, and why culture-driven owners choose them. Why ESOPs aren’t ideal if you want maximum cash at close. 11:00 — Cashflow, Taxes & Seller Financing in ESOPs Why delayed liquidity can actually be a tax advantage. Case study from New Mexico. 12:00 — Who Qualifies for an ESOP? EBITDA thresholds, employee count, and cultural readiness. 14:00 — What Is Integrated Estate Planning? Why the attorney, CPA, wealth advisor & insurance strategist must be aligned. The problem with “one advisor who claims to do everything.” 15:30 — Real Family Horror Stories When poor advisor coordination leads to litigation and bad outcomes. 18:00 — Portfolio Composition of UHNW Families Private equity, hard assets, real estate, private credit, and illiquidity tolerance. 21:00 — Building a Family Investment Office Why many entrepreneurs create in-house underwriting & investment review systems. 23:00 — Avoiding “Noisy Assets” The shift from chasing returns to preserving wealth post-exit. Kevin O’Leary’s principle: “You’ve already won the game — don’t lose it.” 25:00 — First Steps in Exit Planning The necessity of data cleanup & quality financials. Why reviewed financials or QofE reports matter. 27:00 — Don’t Wait Why 95% of business owners regret their exit — and how to be in the 5% who don’t. 28:00 — Who Needs to Be on the Advisory Team Exit planner, wealth advisor, CPA, estate attorney, business attorney, and more. The coordinating role that makes or breaks ...
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    37 分
  • How to Avoid Trust Disasters: Corporate Trustees, Family Conflict, & Smarter Estate Planning ft. Sarah Lashua

    How to Avoid Trust Disasters: Corporate Trustees, Family Conflict, & Smarter Estate Planning ft. Sarah Lashua
    2025/12/02
    Today on The Wealth Transfer Podcast, Matt Templeton sits down with trust and estate administrator Sarah Lashua (American National Bank & Trust) to unpack one of the most overlooked — and most emotionally charged — areas of wealth transfer: what really happens after you’re gone. If you’ve ever wondered how to keep your kids from fighting, how to structure your estate so it's actually easy to administer, or why corporate trustees exist (and why they often save families from chaos), this episode is full of essential insights. Sarah brings over seven years of trust administration experience, a tax background, and a legal perspective to show us the pitfalls she sees every day — pot trusts gone wrong, illiquid real estate causing gridlock, beneficiary disputes, rigid documents, unclear responsibilities, and the shocking emotional realities that surface after a parent or grandparent passes away. She also dives into practical tools that most families never get told about: • When a corporate trustee becomes a MUST, not a luxury • How to design trusts that don’t destroy family relationships • Why liquidity matters more than most people realize • Charitable remainder trusts (CRTs) as tax-saving, legacy-building vehicles • Using donor-advised funds wisely • How inherited IRAs create massive, unexpected tax burdens • And the emotional side of estate cleanouts — “your stuff is not your legacy” This episode blends expert education with real human stories, giving families a clearer path to building, protecting, and transferring their wealth without unnecessary strain, conflict, or cost. 📞 Connect with Today’s Guest — Sarah Lashua Website/LinkedIn: https://www.linkedin.com/in/sarahlashua/ Phone: 940-310-6922 Email: sarah.lashua@amnat.com Bio: Sarah has been a trust and estate administrator for more than seven years. Prior to working in banking, she worked in public accounting with a focus on tax compliance. She enjoys combining her tax and legal background to help clients navigate the complexities of trust and estate administration. When she isn’t working, Sarah is supervised by her two golden retrievers. 🏠 About Your Host — Matt Templeton Matt Templeton is a Real Estate Planner, long-time real estate expert, and the founder of Templeton Real Estate Group, serving clients across DFW, TX and Albuquerque, NM. Matt helps families strategically build, preserve, and transfer wealth through smarter real estate decisions — especially when navigating inheritance, senior transitions, trust complications, and estate planning. Matt collaborates with attorneys, CPAs, trust officers, and financial advisors to give clients the full team they need to protect and steward their assets across generations. 👉 If you need referrals, guidance, or help navigating your own wealth-transfer or real-estate planning situation, reach out anytime. Contact Matt: 📧 matt@templeton.realestate 📞 972-677-3991 📘 Show Notes & Key Topics 00:00 — Introduction to Sarah & the Role of Corporate Trustees What a trust officer actually does, and why naming family members as trustees often creates emotional, legal, and financial problems. 02:00 — The Hidden Liability of Being a Trustee How naming your child, sibling, or spouse as trustee changes family dynamics — and exposes them to personal legal risk. 03:00 — What Corporate Trustees Do Daily Distribution requests, monthly allowances, document reviews, ongoing communication, and helping families navigate needs. 05:00 — Privacy, Money, & Awkward Conversations Why trustees often must examine beneficiaries’ outside income and assets — and why this can be uncomfortable. 06:00 — The #1 Trust Structure to Avoid: Pot Trusts Why pot trusts often explode with sibling rivalry, conflict, and impossible administration requirements. 08:00 — Flexibility in Documents: Why It Matters How rigid estate documents trap trustees, beneficiaries, and families — and when courts must step in. 10:00 — What Makes a Trust Too Small or Too Large for Corporate Trustees Minimums, ideal sizes, and when combining trusts is the best solution. 11:00 — Red Flags When Reviewing Trusts or Estates Liquidity issues, toxic assets, land, mineral interests, and difficult beneficiaries. What makes a trust too complicated to accept. 13:00 — Fiduciary Duty: What Most People Don’t Understand Why self-dealing, bad record-keeping, and “favoritism” create lawsuits and family division. 15:00 — How Sibling Rivalry Ruins Inheritances Real-world dynamics: locked gates, unmaintained property, differing intentions for land, and multi-heir gridlock. 16:00 — Structuring Real Estate Inside an Estate or Trust Why real estate is the #1 source of inheritance conflict and how to plan better on the front end. 21:00 — Case Study: Big Land + Many Beneficiaries Why large families with large assets often face inevitable conflict — and how to build escape routes into your plan. 23:...
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    51 分
  • How the Wealthy Actually Plan: Gifting, HSAs, 529s & Estate Structure | Jonathan Meaney

    How the Wealthy Actually Plan: Gifting, HSAs, 529s & Estate Structure | Jonathan Meaney
    2025/11/18

    Today on The Wealth Transfer Podcast, Matt Templeton sits down with Jonathan Meaney — Senior Vice President and Wealth Manager at Carter Financial, CFP®, Accredited Investment Fiduciary, and 25-year advisor to high-net-worth families.

    This episode cuts through the noise around “financial planning” and breaks down what real planning looks like: comprehensive strategy, long-term decision-making, and aligning assets with actual life goals. Jonathan shares the mistakes he sees wealthy families make over and over, the hidden opportunities most people overlook, and the surprisingly simple tax-advantaged tools that can move millions out of a taxable estate over time.

    You’ll hear Jonathan’s take on:

    • Why most “financial planners” aren’t actually doing planning

    • How 529s can function as one of the most powerful estate-transfer vehicles (and why wealthy families underutilize them)

    • The right and wrong way to title property and accounts in a trust

    • Annual gifting strategies most families ignore

    • Social Security optimization (and how bad timing drains your legacy)

    • HSAs as a secret tax-free wealth-building machine

    • Why widows/widowers often feel financially insecure — even when they’re objectively more than fine

    • How to interview a financial planner (and the red flags to watch for)

    Jonathan also gets real about the emotional side of planning — helping people dream again, helping grieving spouses untangle decades of accounts, and helping families pass wealth with intention instead of confusion.

    If you want to understand how wealthy families actually plan — not the surface-level investing chatter — this episode is packed with practical insights, real stories, and strategies you can apply today.

    🔗 Connect with Jonathan Meaney

    Carter Financial Management 🌐 Website: www.carterwealth.com 📞 Phone: (214) 363-4200

    ⏱️ Timestamps & Show Notes

    00:00 — Intro to guest: Jonathan Meaney, CFP® Jonathan’s background, market crash beginnings in 2001, and why true financial planning is more than investments.

    03:00 — What a financial planner actually does Portfolio alignment, goal-setting, estate strategy, risk management, and why many “planners” don’t actually plan.

    07:00 — Planning is ongoing, not a one-time event Why updating the plan matters more than the initial plan.

    08:00 — Integrating all assets (including real estate) Why planners must look at everything, not just the stock market.

    09:30 — Biggest mistakes wealthy families make

    • Naming minors as beneficiaries

    • Not retitling assets into a trust

    • Social Security timing mistakes

    • Skipping annual gifting

    12:00 — Why 529 plans are one of the greatest wealth-transfer tools Accelerated gifting, tax advantages, owner control, and multi-generational planning.

    18:00 — Tax-free wealth building: HSAs done right How business owners can extract money tax-free and build a medical retirement fund.

    20:00 — Helping clients deal with fear and financial anxiety Why widowed clients often feel insecure and how planning provides clarity.

    24:00 — Dreaming again: helping clients enjoy their money How planners guide clients to meaningful use of wealth.

    26:00 — Stress-testing a financial plan Longevity assumptions, downturn scenarios, disability, and conservative modeling.

    27:00 — Why you shouldn’t wait to involve a professional Real-world examples of estate chaos when planning is delayed.

    30:00 — How to choose the right advisor CFP designation, red flags, and what to look up on BrokerCheck.

    32:00 — The #1 thing Jonathan wishes clients would do Annual gifting and intentional giving during your lifetime.

    34:00 — How to connect with Jonathan
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    35 分
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