The Importance of Estate Planning

Transcript

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i'mreally excited today to be in the uh podcast room the next episode of the

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alliancepodcast and we have with us dave wolf who is the creator and host of uh willawareness workshop and um

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davewhat what is the will of awareness workshop it uh basically what it says justmake them

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moreaware of the will and some of the small parts that most folks don't

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understandbut it's basically what it is is we get subjects that typically a person

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won'tseek out we get them in front of folks we bring it to them basically talkingabout some

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of thosethings that they need to know before they die right yeah exactly so and and andthat's what what what

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yourworkshop uncovers is really talking about those things that people don't wantto talk about

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thatthey they they don't want to think about uh and putting it out there and makingsure that they know that they

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need todo these things before they can exactly yep just getting in front of them andmaking sure because a lot of

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folksthe question we ask is when do you seek these out and it's usually when theyneed them why don't we get it why won't

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weeducate why don't we get in front of you before you need them long before andthat's what our hope is and it's worked

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outpretty well absolutely and you've been doing this for roughly 30 years now wowand and and doing doing it all over

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thecountry going around traveling and doing the the workshops yep all over thecountry it's been you know been fun but

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it'sbeen it's a lot it's a lot to get those folks it's amazing that 30 years laterthey're still in the same same thoughts same frame of mind still

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morethan 50 of people don't have a will right exactly and uh and a pandemic didn'teven change

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thatright change it didn't change that one but you know maybe i think it did startmaking them more aware you know they're starting to really tell the need

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becausea lot of people ended up not only passing away but in in situations where theywere in an icu in a coma and

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theyneeded some of these uh directives healthcare directors and powers of attorneyto be able to to to to make

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decisionstheir family needed those to make decisions so i think i agree it's made itmore aware but i i bet if you

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lookedat percentages of people that had these things before and after it's probablypretty close oh yeah because it

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theyfeel overwhelmed i think so that's why the world awareness workshop we saidwell if you're going to do that we're going to come to you we want to get it

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we'renot going to wait for you if you ask an estate planning attorney how do you andif they were here it was state planning tournament standard i said how

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do youget your clients and they'll say referral word of mouth people coming to themcoming

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yepnobody wants to think about this stuff right nobody wants to do it so they'renot going to come to them or they they really don't unless they have

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a lifeevent that comes up and really makes them think about these things um so

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you knowwhat what you're doing is not only bringing awareness educating but alsohelping them

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facilitateactually getting the stuff done that they need to get done so exactly it'sgetting them access to it

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withouthaving to shop all over town in essence you know you go to buy a car but youmight go to 20 different car lots

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wellhere what happens is they'll go to 20 if they go to 20 different they may notdo a thing that's why it's not being

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done wemake sure they have they get exact we want exactly what they need the exactperson knows somebody and and

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facilitateso they don't have to wonder we put it right there for them yeah the only thingworse than shopping attorneys

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andmeeting with 10 different attorneys is maybe shopping insurance agencies withinsurance agents right

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that'strue but uh no they they they they want to be educated they want to know whatwhat they need to do and they

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wantsomebody to help them get it done and get it done right exactly check that offthe box and move on not think about it for a few years at least exactly yeah

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david soin this wheel awareness workshop what what exactly do you go over in the willowawareness workshop we

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coverwhat is a will we cover because we want to educate folks so we want want toknow what a will is

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how doesit work um what are powers of attorney what is the trust what's the difference

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betweena will and trust um we've talked about uh

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uh theneed for nursing home care or near nursing protection and what are the ruleswhen it comes to that what are the

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ruleswhen it comes to your retirement accounts and the beneficiaries and things ofthat nature so we kind of cover a broad spectrum but we want to

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educateon each one of those subjects that way they feel like they they've gotsomething out of it

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absolutelyone of the things in my workshop we talk about is cultural programming you knowwhat happens is if

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mom anddad did it a certain way if television does a certain way we do the same thingsand it gets overlooked definitely that's why some of the movie

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starstelevision stars singers they just do they're like us they do exactly whateverybody else does well i think

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everybodythinks they're not going to die or if they are they're going to have plenty oftime to think about it but

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that'sit that's not that's not the thing that's not what happens some people you knowit it just happens right

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you knowyou don't always have the time to prepare so what we need to do is prepare forthat time and do some of the things

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so whatwhat are the things that the average american or that really that everybody youknow especially if you

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havedependents uh that are in assets and things of that nature what are the thingsthat people need to do before they pass away

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and thelist could be long but it doesn't need to be it needs to be straightforward alittle bit

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theyneed to do initial things i mean it said me not being an attorney i always tell

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thefolks i'm not an attorney i cannot give you legal advice or tell you what youneed to do but what i can tell you

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iseveryone says you need a will and you need powers of attorney meaninginstructions for somebody to help you

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when youcan't help yourself and that's initial now those can vary depending on your

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statethings that you have your motives how you want to leave your assets but

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don'tstop what happens is most people just they're going to get to it it's too muchtoo much to think about no

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you caninitially get your things down and be protected 80 90 of it

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thenthink about the advanced stuff that you want but start you need to start and if

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you justhad to sit down take a piece of paper and write it on a piece of paper that's abeginning so what why why do you think that

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over 50of americans don't have that basic will why what what what stops them why whydon't they start

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there'smultiple things multiple reasons i guess um i think the beginning is as yousaid a moment ago

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theyjust don't it's not immediate in their mind and it's kind of like when you wantto talk to somebody about a funeral they don't

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want totalk about it like my wife is highly educated great lady if i call

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her upand say let's talk about the funeral if something would happen to us she won'ttalk about it just won't do it

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becauseit's it's putting something in front of yourself that people just don't want todiscuss

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and itseems so big it's like there's got to be so much to this it's that's what theytell us they

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saidthat i just don't know i even have a problem so they'll say well grandpagrandma died or mom and dad passed away

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or theydid it this way and there was no problem and they don't realize there couldpotentially be these issues so it

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seemslarger than it is and they put it off that's why they just procrastinate so inin in your

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willawareness workshop that you're doing and and really going out and doing areally good service for

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um thecountry and and helping people understand what what all these pitfalls

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are andyou do it i i love it because you do it through stories and it's and that's agreat way

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uh forindividuals to relate because maybe they're exactly that story that you'retalking about or they know

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somebodyor you know they they it helps them to fully understand the

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um theneed for this planning right yes and so i i love the stories and and um

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and anddoing that so why don't you kind of talk about a couple of those and and and

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how umhow you use those in your seminar to help people understand the things that nosure know before they pass away uh

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two iwhen i start off i tell folks i'm gonna tell a story i always tell them i saidbut i'm gonna tell a lot of stories

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throughoutthis workshop to relate but i have tons of them but i there's two

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that ifocus on a lot and one of them is my father-in-law uh my father-in-law passedaway 52

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when imet my wife a young guy yeah very young and he had five kids now i getemotional it's tough when i

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startthinking about it i met my wife when i was 19 and we went for a walk

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andduring it i said oh i saw your mom and i saw your brothers and sisters i said ihate to ask i didn't see your dad

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and youknow divorce rates are so high and things she and she got real quiet so my daddied last year when she was 18.

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wow soshe had one sister who had already graduated college older brother who was incollege she was

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incollege her sister was just going to college and a brother in high school and iwas flattened i i it was almost

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unfathomableto me because my dad and my mom they're such a central part of my

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lifewell i always tell the story start off that way to let him understand it's justa normal

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familywell my mother-in-law was able to pay for three weddings there's threedaughters

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wowshe's lit she hasn't worked she's been able to stay at home babysit

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my kidsi've got a brother all my in-laws children i've got a brother-in-law's tripletsand

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i alwayslaugh and go boy i think i would whoo i know right oh yeah they're great kidsbut oh my gosh if triplets at once you

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got tostart playing zone defense no triplets right you can't do man-to-man but shewas able to do all of that

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becauseof what uh an estate planner or an insurance person did for my my father-in-lawoh wow

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and isaid guys she he was owned his own practice in saint louis in a big big cpapractice he very

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conservativeif you understand cpas are so conservative you would not know it i never methim so

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buteverybody bragged about him talked about how good he was very the family's justvery conservative and i said

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someyoung i'm picturing some young insurance rep sitting with him and he's he'stelling him he knows what he's doing

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if hewould have pushed him away my mother-in-law would have had to get a job wouldhave had to really work hard would have to struggle would have to go

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throughall that how would she put the three all the kids through college how would shebe able to babysit and not

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have towork how would she be able to go to ireland three four five times go onvacations live a normal life

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umbecause of what he did and and uh it's hard enough without that right it's

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it'shard enough without that with all those problems that uh that come along withnot planning and not being prepared

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nothaving the the necessary documents in place and and all the

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all theall the things you know the passwords the the accounts yeah man it's it

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if ifyou don't have all that stuff in place and there it makes the grieving processand that that whole aftermath so

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muchworse and the story becomes completely different it would have been acompletely different story if he

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wouldn'thave done all those things but i tell that story because you know i liketelling true stories i know they wouldn't fabricate a story but but i

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wantedthe folks to know that they're the same he was 52 he just had went for aphysical and back

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in 19that would be 82 uh 81 or 82 they used to put you in the

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hospitalfor a few days and do a full physical so he just had it done my wife said likea week before two weeks before

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wowthere was no way to know and in his mind he was never going to happen but whatspurred him on is he lost his

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fatherat a young age and he had to take care of his mother and he thought i can'thave that happen i know that i know that's what especially with five

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kidsright with five kids and that's that's one of the things that i don'tunderstand with um

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withwith people that that have kids that have families of um

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you knowthe extra one not not just the the whole estate plan but having you know lifeinsurance that go along with

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that tohelp protect their family in the event that something happens and they and theycan't be there to bring in the

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incomethat they're bringing in especially if those kids are minors and and they can'tgo out and take care of them so they can't go get a job by

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themselvesyou know i have a four-year-old and an eight-year-old i mean oh could youimagine you can't put can put them to work right and then

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familymembers and everybody would have to step up per se and you think and that'salways on my mind it's always

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beeneven long before that was on my mind but that's one story i tell the otherstories myself getting sick i always

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startoff saying i'm gonna tell you a story and i i had uh my my son was just bornhe's 21 so would been 21 years ago

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and igot up on a saturday afternoon and my um i told my wife i said i don't feelwell

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and shesaid uh well do you mind if i i'm gonna go get groceries real quick she goes weneed to get a bunch of stuff

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and ihave two older daughters that are little you know they were only as terrible ican't remember the description like eight

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five andthen david was born and uh i said sure i'll just lay on the couch

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anddavid's in a pumpkin seat and uh i said i'll watch them they're playing youknow the girls are playing like crazy

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theyjust played non-stop and i just i'll give them a snack or something i felthorrible when she came back an

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hour anda half later she stepped in the room and i went to help her put the groceriesaway and she was oh my gosh david you you're yellow

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she goesin my and i did i went to the mirror and looked and i was yellow wow and myeyes look like an old cue ball

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you knowlike those where you ever played an old male just yellow nasty looking and um

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i saidoh what do you think's going on and she goes i don't know so i called the hospitalin st louis that we go to and they said well it's a five hour

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waitingemergency room you're gonna have a weight and she said why don't we go to thesmall town

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hospitaland i said i'll go there and get it checked you know i said so i said you

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stayhere we got three kids there's no reason to worry about i'll go there and seeit's probably an infection or something so i drove the hospital when i came ini

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couldsee the looks on their face when i came in emergency room and they hurried meup they got me into took blood x-rays cat

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scan youname it and within an hour they came over and the guy holds my hand and says

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do youhave family close by now again i get emotional because i was like

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why hesaid your liver shutting down and i was like i couldn't breathe i'm 38 yearsold that

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doesn'thappen that's why i always tell people this don't happen right i've all thesilly things i've done in my life and all of a sudden i'm laying

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on thisgurney in a in a hospital room i called my wife said sweetie you got to gethere why and

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i saidthey say it's bad and she's like balling you know getting there trying tofigure out

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what'sgoing on they didn't understand what was happening all the tests and everythingand so it planed off after a

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couplehours and they said um well your liver's enzymes aren't going as fast and yourtemperature's playing it off and

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theysaid we need to watch it what's wrong we don't know we got more tests to do soi told her to go home i said look they're

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going toput me in a room and i'm going to sleep i'm tired i was so tired and i alwaystell people that that's the first time i realized that's what happens when

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i justwant to close my eyes i could i didn't care what happened i just want to go tosleep and um she said okay so they were wheeling me

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down thehallway and i have to watch my emotions here because it's still it's like it'salmost like a fresh wound you know this day

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and umshe turned and looked kiss me and then she walked down turn and looked at meand i smiled and winked and then they

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werewalking me in the room and i thought i'll never see her again this is the day ithought wolf oh my gosh

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and i keptapologizing the whole evening to her i kept saying i'm sorry sweetie she keptsaying why do you keep saying

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sorrystop that i said cause i'm i got a brand new baby boy and two little girls andi'm leaving you

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and idon't know if i have it all right she says we're taken care of i know i

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i wasn'ti wasn't worried about dying and i think a man as a man you've got children andsome of the folks that we

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all knowhave children you think i'm not even worth dying now all i can think about iswhat you just said aftermath

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what arethey going to do not not just without the pain like you said and if i've leftthem in total

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disarrayand so i tell the crowd the story and you can see their face just like itbecause it is anybody man i said

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i can'ttalk for women because i'm not a woman i'm a man i can only think about men howi a man thinks and i stared at

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theceiling all night laying there thinking waiting for how do you know what willhappen and then i'm thinking oh my gosh i'm visualizing my wife and

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mychildren and i grew up very poor and i thought they're going to grow up like idid and i never intended that

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and umso you got better got better yes i told the crowd i said guess what i made it

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but theend of the story was yes i did you know what it was is i had a virus called umit's called the parbo virus little

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kids getthe fifth disease it's the fifth childhood disease i think that's why they callit that it's just usually

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youwouldn't even known it back in the older days back in 40s 50s 60s little kidsgo out play outside all day come in

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got redcheeks and a mild fever oh hell they shouldn't have been also they shouldn'thave didn't mean to say

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yeah i'mjust candid but you're like oh it's just a little fever but um it's called

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fistdisease and as an adult it's like getting chicken pox so it's like one and twoto four million

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get itand respond like i did wow so by luck there was a there was a two doctors thatwere there

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thatcame in and looked at me and i tell the story more i said the doctor came in mywife was there all with me every

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minuteand then she left said i gotta go take a shower and see the kids i'll be backin an hour or two and but she and she left

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itwasn't a half hour later the female doctor walks in and she pats me on the legsits down says how you feeling i

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saidwhat's wrong she goes ah we think it's cancer and i was by myself no one in theroom

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and sheand she was comforting me and i just sat there thinking i remember knowing ohmy gosh no

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and umso she said i'm gonna leave you alone and my wife came back an hour or two andshe walked in and she could see my face i could tell it she saw it she's

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likewhat let's sit down they're gonna do a biopsy in an hour or so but they ruledeverything out they

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thinkit's cancer and i said so i start going through the list that

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we'retalking about here's what has to have happened david hardy don't worry don't nowe have to get these things in place now because

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i don'tit could tumble quickly and by luck the two doctors that were from uh johnhopkins came through it was john

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obviouslythey came through and they said hey we're liver specialists they want us tocome and say hi to you and he started asking questions and he

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saidi'll bet that's what you have it's rare and that's what i had well so isurvived they were able to

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treat itand but changed everything changed how i approached those business it changedit

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made memore passionate it made me more direct because just as you were talking earlier

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there'sa lot of folks that we don't ever dream that would happen in a heartbeat sowe've talked a lot a

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lotabout death so far yeah right and the need for a will and being scared to deathand and that kind of thing but

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therethere's also some other things that you need to have in place uh even evenbefore you pass away even

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beforeyou get in a situation where you're sick and you you need those things i meanwe could be driving down the road right and getting a bad car

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accidentyou know have a have a bad head injury and be in a coma right yeah

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you'vegot to advance directives and powers of attorneys they're simple so let's let'stalk some about those what

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arethose those those powers of attorney the advanced directives those things thatwhat are what are those kind of things that we

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need tohave in place powers of attorney and a lot of times folks misunderstand it alittle bit it's uh like i always

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try toput it in a simple format like if i was out of town and i was going to buy ahouse and i had to buy it that day

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closingand i couldn't be there and i gave you a power of attorney i had i have alawyer draw upon returning me you

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can acton my behalf signed it just as i would but i'm not going to give you a power of

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attorneyso once it's the signings done i'm not going to allow you to go down to

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bank andsign you know i'm going to say when it's done it's a it's a temporary power ofattorney well that's the same with health care and finances and a lot

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of folksbelieve you know or don't understand that it they don't need one you know andyou

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justsaid it you're going down the road and get a car accident what happens whathappens if i would have that incident i was telling you about and

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that'swhy i tell the stories to see what if i would have been on they would have iwould have got to hospital and

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collapsedright and my wife shows up and they say what's wrong and she says

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and theysay are you the power of the attorney power attorney do you have powerpaternity margaret and she would say no

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well wecan't you know you're going to have to it limits them what they can do and sayand

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say allthat kind of stuff yeah so and imagine children and all those things so that'sthat the power attorney is just

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givingsomebody to act on your behalf and for a husband and wife or if you're singleand

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you haveto somehow give somebody the ability to help you that way and they're

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they'resimple they're easy to do i would love to pass them out in the crowd when i'mtalking in our workshops until

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peoplestart filling them out in the attorney witness them and notarize and everyonewould have power's attorney there's and

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there'stwo major types there's general which is covers everything except healthcare

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mm-hmmyou know health and then there's healthcare power attorney which has advanceddirective some states have

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differentways they word it and each state has their own versions of it per se

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somestates may be identical but most still have a little bit of different languagein it so it's understanding them but knowing they're so simple know

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and ifyou don't have them how would somebody help take care of it when it's when it'stoo late right yeah

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and yeahyou can't sign that when you're in a coma right no it doesn't it doesn't matterhow long you're going

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to liveif you can't you can't sign it you can't you have to go to court and then

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a goodfriend of mine's wife passed away of leukemia another one of the stories whereshe was never going to get it

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on goodfriday he told me six months later she passed away during that process i saidyou have to

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getthese documents done now and i talked to him and erin said just get him done hedidn't have anything

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so hewent and he did it he got with the attorney our attorneys and he sat down andthey got the powers of attorney done

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and uhwhen i was in the hospital with him when they turned off the life support whatit did for him and his family was

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his wifesaid this is what i want right you don't have to live with a grief or

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of did ido did i do the right thing oh i did the right thing because i know in writingthis is what

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theyasked this is this is their wishes this is what they wanted this is yeah thatmakes it so much easier in that

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processright and it it's worth it for that alone to me to have to say you know andi've had these conversations when we

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weretalking about things to do before you die and i know it progresses because yourchildren are young you can't have a

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conversationwith your children until they're of age to accept it and you don't want toscare i don't want to scare them away so

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um butonce they're my children of an age now i have conversations about distinctthings to let them off the hook

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guysdon't feel guilty i have that done don't think i have to do that no i've

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alreadydone my power of attorney and told you exactly what i want done i don't wantyou thinking do we take him

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off alive supporter don't we or they might rush to take me up yeah yeah

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and andthese kind of things they they change and they progress through your life tooso like my my documents today

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aregoing to be a lot different than my documents say 20 years from now when mykids are grown and and no longer

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dependentupon me right so my my biggest worry in a lot of my planning today is my kidsis what what

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happensif something happens to me but but also what happens if something happens to meand my wife at the same time you know which which could happen

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you haveto have to um you know think about that stuff too we we fly all over the placetogether

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yeahthat plane could go down and if it does i don't want my kids being orphans and

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nothaving a uh not having a plan in place for family and for friends the guardians

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thatthat we want one we gotta pick them we gotta have those conversations with themright and make sure that that

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personsays yeah i'll do it um but then also just everything in place

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there touh guide them and direct them if if that that horrible thing were to happenyeah

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becauseit were to happen that's so many times sitting with attorneys and watching themhandle clients it's like if you both

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were todie today who takes the kids and every statement's like well my mom and i'vewatched did husband turn and go

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no mymom and dad and then no our brothers my brothers love me

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you knowwe're best friends my brothers would want to be involved i had to have aconversation with them why i chose to do what it is not against them it was

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based oni made decisions based on um financial ability and things because i

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think ifyou left your if you passed away and you left your family uh your

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childrento someone who maybe let's say it's your mother and she's 78. maybe not be thebest i may not be the

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bestidea it doesn't mean it's wrong or right but it means that but but that personcan be there and help right you

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can youcan assign that person to help guide and oversee um you know be co-trustee orsomething

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alongthose lines if you set up a trust uh so there's there's things to do for thoseindividuals that you know are

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going tolove and care for them but but maybe they can't love and care for them right sothey they'd love them but maybe

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theycould do some of those things or be eliminated there's so many folks that andi'm going to use use this and i use

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it in aworkshop because i always ask folks when i'm doing planning i say you havechildren they'll say yeah i have

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two arethey married yeah then you have four you have four decision makers

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and isaid so let's say and i hate to say donald or son-in-law do not like me

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and ipass away i if i don't have these things set

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simplethings it's possible that there could be a disagreement like who's going totake the child who's going to do this

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so thereit's almost like you just take a pin write it down what would you want and thenyou have to have the right

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personto put it in place so it's simple but it doesn't seem simple but it is when itcomes to somebody an attorney

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whoknows their business and understands how to say no no this is exactly what weneed to do taking this a step further yet now we know that we need some

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planningum where do we go get that planning you can't you shouldn't go get an attorney

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in texasto uh write your will in georgia and you know let's talk about like kind

26:14

ofpicking that attorney who you should sure yeah that kind of thing um it there'sso much

26:20

availablenow especially now that kovit came along that you you know because you canthere are some great services it's

26:27

eithergetting an attorney local and the discrepancy in them is it doesn't seem to bebut it could be

26:33

vastmeaning from pricing to what they believe in and that sounds wrong but it's youwant an

26:38

estateplanning attorney a lot of times folks get an attorney you shouldn't you get adivorce attorney

26:44

or abusiness attorney they can do it yeah but i i when i when i'm doing this andwhen i when i went

26:51

throughthis whole process and i've now done it twice uh i i searched and found likeyou said an

26:57

estateplanning attorney that specializes in an estate planning wills trust powers ofattorney exactly because

27:03

and ifyou get it you made a statement earlier about the plan well if you're living ingeorgia but you

27:09

intendto retire in florida i just thought of that you know you go yeah you have tothe state rules are different

27:14

now itdoesn't mean you have to scrap your old plan but it shows you have to keepupdated you have to keep it so so

27:19

if youdo move you should you should pull all those documents out and look at themagain get with an attorney from an

27:25

attorneyin that in that state absolutely yeah and then they can review them and allowyou to

27:30

knowwhat the discrepancies or changes would be your differences but you should belooking at those documents anyway

27:36

everyfive years minimum at least yeah at least yeah and and if anything ever majorhappens in

27:41

yourlife you have another kid you divorce a you know a new marriage or

27:47

um youknow buying a business that all those kind of things you should

27:52

take theopportunity to step back and look at that plan again to make sure what you putin place at that point in

27:58

time isstill good today and if there's changes that need to be made they're easychanges to make yeah

28:03

yeah ifyou let go way too long and that's why part of the services that we offer is an

28:09

annualreview um because and people say well let's say you had 100 customers that wereclients

28:16

90 ofthem may have nothing to be done right but would you rather wait five yearswhen it's massive

28:22

or whydon't we go each year and make sure even if i meet you for a half hour and sayno everything's good or a phone call

28:28

nothing'schanged everything's still good you know it's all good yep you know that keepsit so you don't wait so long

28:33

you madea good statement i've seen it seen it a lot of times you know one of thesethings that you should know before you

28:40

die iswho your beneficiaries are on your on your policies and your your 401ks andthings like that that do have

28:46

beneficiariesdesignations um i regretfully i i've been been in

28:52

situationswhere a death benefit on a life insurance policy is being paid to an ex-spouseoh yeah and

28:58

thatit's it's there there's nothing that i can do with it there's nothing theinsurance company can do with it there's

29:04

nothingthe new wife or new husband can do uh with that directive there in that

29:10

policyit it is paying to that individual um so you know it it's very important if

29:16

thingschange in your life to review those plans review the beneficiaries and you'rein your you know like i said your

29:22

lifeinsurance your 401k your your qualified plans that you have set up and thingsof that ras

29:27

andmaking sure that there's they're still what they should be oh yeah definitelyand when i always tell the other stories

29:34

i gothrough my mind when you're saying it my my buddy toby lives my neighborhoodand uh we've known each

29:39

otherfor 18 years he he got divorced and he came to me and said hey you handled thisstuff what's my life insurance policy good

29:46

and isaid well he wanted to take his so we called his company he said well let'scall a company and let's get you to get a beneficiary change because your wife

29:52

yourex-wife and say oh i want her to get in here and i'm like well you got to getthe change and i said well who are those contingent

29:58

beneficiariesare those your family members and he looked at him and said i don't know whothose people are well

30:04

i sosomehow by accident they transferred the wrong contingent

30:10

beneficiarysomehow onto the floor and it so i always tell people that i it was one of thefirst times i've ever seen

30:15

thatprobably the only time and he went oh my gosh we had to call and change thecontingent beneficiaries and stuff and

30:21

it's assimple as that taking a peek at it yeah and making sure they're you know i haveclients a lot that say that they

30:26

want touh make their minor child the beneficiary don't do that not not withoutespecially

30:32

notwithout some of the stuff that we've been talking about in place um but um yeah

30:38

that'sprobably one of the last things that you should do yeah you know so um but thishas been very informative

30:44

andreally appreciate the time and what you're doing with your will awarenessworkshops because you're going out there

30:49

andserving middle-income america helping people understand the things that theyneed to have in place

30:54

andhelping them do that because you know it's it's one thing to educate it's onething to put things out there but it's the other thing to facilitate them

31:01

beingable to put these things in place that they need to do and you're doing a greatjob with that so we thank you we're trying hard

31:07

yeahserving you have to serve i think hey servant mindset always works in myopinion you know

31:13

i'm afirm believer if you help enough people get what they want and what they needyou'll get what you want exactly good too that's good so if dave if

31:20

somebodywanted to find out more about your will awareness workshop where would they gouh they can go to

31:26

willawareness.comand check us out excellent so all the information there

31:31

somevideos ways that they can get into your workshop exactly and you can also findout more information on

31:36

alliancegrouplife.comon estate planning and things that you need to know before you

31:41

passaway so thanks dave for your time thanks for everything that you do

31:47

andreally appreciate you being here thank you for having me - excellent

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