Tag: Lifestyle Planning

Legacy Planning Mistakes That Could Cost Your Family Big

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
hourglass with sands running out and faded family pictures in the background

The Biggest Mistakes People Make When Planning Their Legacy

Legacy planning is more than just writing a will—it’s about ensuring that your wealth, values, and final wishes are honored in a way that benefits your loved ones. However, many people make critical mistakes that can lead to unnecessary stress, financial loss, and even family disputes. Here are some of the most common legacy planning mistakes and how to avoid them.

1. Not Having an Estate Plan at All

One of the biggest mistakes is failing to create an estate plan in the first place. Many people assume they are too young, don’t have enough assets, or that estate planning is only for the wealthy. However, without a will or trust, your estate will be subject to intestacy laws, meaning the government decides how your assets are distributed. This can lead to unintended consequences, such as estranged family members inheriting your assets or loved ones receiving less than you intended.

How to Avoid This Mistake:

Start the estate planning process as soon as possible, regardless of your age or net worth. A basic will, power of attorney, and healthcare directive can provide essential protection for your loved ones.

2. Failing to Update the Plan

Creating an estate plan is not a “set it and forget it” task. Life changes—marriages, divorces, births, deaths, and financial shifts—can all impact your legacy plan. If your estate documents are outdated, your assets may not be distributed according to your current wishes.

How to Avoid This Mistake:

Review your estate plan every few years or whenever a major life event occurs. This ensures that your beneficiaries, executors, and asset allocations remain aligned with your intentions.

3. Not Planning for Incapacity

Many people focus solely on what happens after their death and neglect to plan for what happens if they become incapacitated. Without a power of attorney or healthcare directive, your family may have to go through a lengthy and costly legal process to manage your finances or make medical decisions on your behalf.

How to Avoid This Mistake:

Establish a durable power of attorney for financial matters and a healthcare directive to outline your medical preferences. These documents ensure that someone you trust can act on your behalf if you are unable to make decisions.

4. Overlooking Beneficiary Designations

Assets such as life insurance policies, retirement accounts, and bank accounts with payable-on-death designations pass directly to the named beneficiary, regardless of what your will says. Failing to update these designations can result in unintended recipients receiving your assets.

How to Avoid This Mistake:

Regularly review and update beneficiary designations on all financial accounts, especially after major life changes like marriage, divorce, or the birth of a child.

5. Ignoring Tax Implications

Poor estate planning can lead to significant tax burdens for your heirs. Many people fail to consider estate taxes, capital gains taxes, or inheritance taxes, which can reduce the value of the assets passed on to loved ones.

How to Avoid This Mistake:

Consult an estate planning professional or financial advisor to understand the tax implications of your estate. Strategies such as gifting, trusts, and charitable donations can help minimize tax liabilities.

6. Not Communicating Your Wishes

A well-crafted estate plan is only effective if your loved ones understand your intentions. Many families face disputes or confusion because the deceased never discussed their legacy plan with them.

How to Avoid This Mistake:

Have open conversations with your family about your estate plan. Let them know where important documents are stored and discuss your reasoning behind key decisions to prevent misunderstandings.

7. Choosing the Wrong Executor or Trustee

Selecting the wrong person to handle your estate can lead to delays, mismanagement, or even legal disputes. Family members who are not financially responsible or who have conflicts of interest may not be the best choice for the role.

How to Avoid This Mistake:

Choose an executor or trustee who is responsible, organized, and impartial. If necessary, consider appointing a professional fiduciary or estate attorney to manage your estate.

8. Failing to Protect Assets from Creditors or Lawsuits

Without proper planning, your assets may be vulnerable to creditors, lawsuits, or even long-term care expenses. This can reduce the inheritance available to your heirs.

How to Avoid This Mistake:

Use legal tools like trusts, asset protection strategies, and proper insurance coverage to safeguard your wealth from potential claims.

9. Assuming Family Will Handle Everything Fairly

Many people assume their family will distribute assets fairly and amicably. Unfortunately, disagreements and emotions can lead to major conflicts, resulting in legal battles and fractured relationships.

How to Avoid This Mistake:

Clearly outline asset distribution in legally binding documents and consider using a trust to provide structured inheritance management. A neutral third party, like a trustee or mediator, can also help resolve disputes.

10. Not Considering Long-Term Care Costs

A major oversight in legacy planning is failing to account for potential long-term care costs, such as nursing home expenses or home care. These costs can quickly deplete your assets, leaving little to pass on to your heirs.

How to Avoid This Mistake:

Explore long-term care insurance, Medicaid planning, or other financial strategies to cover potential care expenses without eroding your estate.

Leave a Legacy, Not a Mess

Legacy planning is about more than just dividing assets — it’s about making thoughtful, intentional choices that reduce confusion, minimize conflict, and reflect your values. By avoiding these common mistakes, you can leave behind clarity and comfort for the people you care about most.

At NEXsteps, we understand how complex legacy planning can be, and we’re here to help you every step of the way. As a Certified Executor Advisor, NEXsteps brings the expertise and compassion needed to guide you through the process with confidence. Whether you’re just getting started or reviewing an existing plan, we’re here to help you turn your wishes into a well-executed plan that supports your loved ones long after you’re gone.

Take the time to review your estate plan, communicate with your family, and seek professional guidance to ensure your legacy is preserved the way you intend.

Visit our online store  for programs and guides or contact us for a personalized solution.
Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Please send us your questions or share your comments.

 

 

Estate Administration Mistakes: What Executors Need to Know

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
a woman at a desk with a small stack of paperwork and a couple of outstanding bills, looking frustrated and overwhelmed

The Top 3 Estate Administration Mistakes Executors Need To Know

Administering an estate is often more complicated than people expect, and three estate administration mistakes consistently top the list of common issues. Even with a clear will and a well-thought-out estate plan, unexpected issues can arise that cause delays, disputes, and financial stress. If you’ve ever taken on the role of executor, you know it’s so much more than just reading a will and handing out assets. It’s a process filled with paperwork, legal requirements, financial accountability, and often, unexpected challenges.

Whether you’re an executor now or planning ahead to make things easier for your loved ones, knowing what can go wrong is half the battle. Let’s take a closer look at three of the most common estate administration pitfalls and how to avoid them.

The Mystery of Missing Assets

One of the biggest headaches an executor can face is tracking down all of the deceased’s assets. You might think everything is accounted for—there’s a house, a car, some bank accounts—but what about that old life insurance policy they forgot to mention? What about the safety deposit box no one knew existed? What about digital assets—cryptocurrency, online investments, or even sentimental items stored in the cloud?

Unfortunately, if the deceased didn’t leave an organized record of their assets, the executor is left playing detective. This process can be time-consuming and frustrating, and if assets go undiscovered, beneficiaries could lose out on their rightful inheritance.

“My father had a small savings account in another province that we had no idea about. We only found out about it a year later when we received a statement in the mail. By then, the estate had already been settled, and getting access to those funds was a nightmare.” – Mark S.

So how can this be avoided? The best solution is preparation. If you’re planning your own estate, create a master document that lists everything—bank accounts, investments, real estate, insurance policies, and even digital assets like email or social media accounts. Keep it somewhere safe but accessible to your executor. If you’re an executor yourself, take your time. Review past tax returns, check unclaimed property databases, and notify financial institutions of the death to uncover any hidden assets. The more thorough you are, the fewer surprises down the road.

The Ticking Time Bomb of Debts and Taxes

A common misconception is that when someone dies, their debts simply disappear. Unfortunately, that’s not how it works. Before any inheritance can be distributed, the estate must settle outstanding debts and taxes. And here’s where things can get tricky. If debts or taxes are overlooked, it can lead to serious legal and financial consequences.

Imagine this: You, as the executor, start distributing assets to the beneficiaries, only to later discover a sizable unpaid tax bill or a creditor demanding payment. Now, you’re in a tough spot—how do you recover those funds from beneficiaries who may have already spent them? You could be held legally responsible.

“We thought everything was settled until a tax bill from the previous year showed up. By that time, the estate funds were already distributed, and we had to scramble to come up with the money. It was an expensive lesson.” – Susan R.

To prevent this nightmare, executors should first obtain a credit report for the deceased to identify all outstanding debts. It’s also a good idea to publish a notice to creditors in a local newspaper, which gives creditors a set time frame to come forward with claims. On the tax side of things, consulting a professional is key. A final personal income tax return must be filed, and depending on the estate’s value, estate taxes or probate fees might also come into play. The key takeaway? Don’t rush the process. Ensuring that all debts and taxes are accounted for before distributing assets will save a lot of headaches and potential legal liability down the line.

Family Feuds Over Inheritance

It’s a sad reality that money can bring out the worst in people. Even in the closest families, emotions run high when it comes to inheritances. Maybe one sibling feels they deserve more, or another is upset that sentimental items weren’t divided fairly. Perhaps the will is vague, leaving room for interpretation—and disagreement. These disputes can escalate quickly, sometimes even leading to legal battles that drain the estate and fracture family relationships permanently.

“My mother’s will didn’t specify who would get her jewelry collection. My sister and I ended up fighting over it for months, and it created a rift in our relationship that still hasn’t fully healed.” – Emily L.

So, how do you prevent an inheritance from turning into a battleground? The key is clarity and communication. If you’re making your own estate plan, make sure your will is as detailed as possible. Specify who gets what, and if you’re making unequal distributions, explain why. It may also be helpful to discuss your decisions with your family ahead of time to manage expectations. If you’re an executor handling a contested estate, transparency is your best friend. Keep meticulous records, communicate openly with all beneficiaries, and consider mediation if tensions start to rise. Sometimes, having a neutral third party can prevent conflicts from turning into costly court battles.

Final Thoughts

Administering an estate is not just about distributing assets—it’s about navigating a complex process while managing emotions, legal obligations, and financial matters. Losing track of assets, failing to account for debts and taxes, and dealing with family disputes are some of the most common pitfalls that can make estate administration a stressful experience.

The good news? Most of these problems are preventable with proper planning. If you are looking for someone with experience to guide you through the process, read out to NEXsteps. With Certified Executor Advisor certification and real-life experience in these matters, we can help.

Whether you’re setting up your own estate plan or serving as an executor, taking a proactive and organized approach can make all the difference. A little preparation now can save your loved ones from major headaches later—and ensure that your legacy is carried out exactly as you intended.

Visit our online store  for programs and guides or contact us for a personalized solution.
Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Please send us your questions or share your comments.

Creating Generational Wealth: A Legacy That Lasts

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
A warm, inviting office setting with a large wooden desk and comfortable chairs. A family of four, including older parents and two adult children, are seated around the desk, attentively listening to a financial advisor. The advisor, dressed in a professional suit, is holding a document and explaining details with a friendly smile. The family members are engaged, with the parents nodding in agreement and the children looking curious. The room is well-lit with natural light streaming in through large windows, creating a bright and positive atmosphere. Shelves filled with books and certificates adorn the walls, adding to the professional yet approachable ambiance.

Planning for Generational Wealth: Let’s Talk Legacy

Have you ever thought about what happens to your assets after you’re gone? Generational wealth is more than just money—it’s about creating a lasting legacy for your loved ones. And if you have family, business, or financial ties in multiple countries, there are extra considerations to keep in mind.

What Exactly is Generational Wealth?

Generational wealth isn’t just a financial portfolio—it’s the foundation for your family’s future. It can provide financial security, opportunities for education, and the means to preserve important traditions. True generational wealth includes:

  • Financial Assets: Stocks, bonds, mutual funds, and cash.
  • Real Estate: Homes, vacation properties, or land that can appreciate over time.
  • Business Interests: Ensuring continuity for family businesses.
  • Intangible Assets: Education, skills, values, and family traditions.

Wealth Planning Across Borders: Key Considerations

If your family or financial assets span multiple countries, estate planning becomes more complex. Different legal systems, tax structures, and financial regulations can affect how wealth is passed down. Some key factors to consider include:

  • Tax Implications: Some countries apply estate or inheritance taxes, while others use capital gains taxes upon asset transfers.
  • Legal Differences: Estate planning laws, asset distribution, and probate processes vary by jurisdiction.
  • Retirement Accounts: Different tax-advantaged retirement savings exist, each with unique benefits and rules.
  • Healthcare Costs: Varying healthcare systems may affect financial security and long-term care planning.

How to Build Generational Wealth

1. Define Your Goals

A strong legacy starts with a clear vision. Before making financial decisions, consider what you want to achieve with your wealth and who you want to benefit. Ask yourself:

  • Do you want to provide a financial safety net, support education, or help future generations start businesses?
  • Who do you want to benefit—family, charities, or both?
  • What values do you want to pass on?

“My grandfather started a small trucking company. When he passed, my father expanded it with careful planning. Now, we are setting up a trust to ensure it continues for the next generation.” — Mark S.

2. Assess Your Current Financial Position

Before you can plan for the future, you need to understand where you stand today. Take inventory of your financial situation by:

  • Listing your assets: Bank accounts, investments, real estate.
  • Listing your liabilities: Mortgages, loans, credit card balances.
  • Calculating your net worth.

This snapshot will help you make informed decisions about how to grow and protect your wealth.

3. Implement a Plan

A well-structured estate plan ensures that your wealth is preserved and passed down according to your wishes. Key steps include:

  • Create a Will: Ensures assets are distributed as intended.
  • Consider Trusts: Offers control, tax advantages, and asset protection.
  • Maximize Retirement Accounts: Utilize tax-efficient savings and investment strategies.
  • Use Life Insurance: Provides financial security and can help offset taxes.
  • Plan for Business Succession: Prevents disruptions in family businesses.
  • Incorporate Philanthropy: Support causes meaningful to your family.

“We set up an education trust fund for our children and grandchildren. Now, they can pursue higher education without financial stress.” — Linda R.

4. Communicate With Family

Many families avoid discussions about wealth and inheritance, but open communication is crucial to ensuring your wishes are understood and honored. To minimize misunderstandings:

  • Discuss your plans, goals, and values.
  • Educate heirs on financial management.

“My parents talked openly about their estate plans. When they passed, we knew exactly what to do. It prevented conflicts and helped us honor their wishes.” — Jessica M.

5. Seek Professional Guidance

Navigating estate laws and tax regulations can be complicated, especially for families with cross-border ties. Professional guidance can help ensure your plans are legally sound and tax-efficient. Consider working with:

  • Financial advisors
  • Estate planners
  • Tax professionals
  • Certified Executor Advisors

If you have assets or family in multiple countries, consult experts who specialize in multi-jurisdictional estate planning.

Additional Considerations for Cross-Border Families

Cross-border estate planning requires special attention to avoid legal complications and unnecessary tax burdens. Be aware of:

  • Wills & Estate Planning: You may need separate wills or legal structures that work across borders.
  • Tax Treaties: Some countries have agreements to prevent double taxation on estates.
  • Foreign Property Reporting: Certain jurisdictions require detailed disclosures of overseas assets.
  • Currency Exchange: Exchange rate fluctuations can impact asset transfers and inheritances.

“As a dual citizen, I needed estate plans that worked in both countries. Having the right advisors saved my family from unnecessary tax burdens.” — Daniel C.

Real-Life Strategies

Every family’s situation is different, but some common strategies can help maximize the transfer of wealth across generations:

  • Gifting Assets Early: Reduces taxable estates and supports heirs sooner.
  • Joint Ownership: Simplifies asset transfer but has potential tax implications.
  • Trust Structures: Family trusts and other estate planning tools offer flexibility and financial benefits.

Wrapping It Up

Building generational wealth is about more than accumulating assets—it’s about securing your family’s financial future and passing down values that matter. Engaging the support of professionals like NEXsteps can help you navigate the potential issues that may come up. If you have cross-border ties, working with knowledgeable professionals can help you navigate complex legal and tax systems. With the right plan in place, you can create a meaningful and lasting legacy for generations to come.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Please send us your questions or share your comments.

Navigating Eldercare: Essential Tips for Caregivers and Families

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
an elderly man is seated in a wheelchair with a young man and woman beside him in a park setting

Practical Tips For Navigating Eldercare

Providing eldercare for an aging loved one is a deeply personal and often challenging journey. It requires balancing emotional, financial, and logistical considerations while ensuring the well-being of the person in need. Whether you are just beginning this journey or are already in the midst of it, having a clear plan and support system can make the process more manageable. We wanted to share some practical tips to help you navigate eldercare effectively.

Understanding the Emotional, Financial, and Logistical Challenges

Eldercare presents a range of difficulties that can be overwhelming if not properly managed.

  • The Emotional Toll: Witnessing a loved one’s physical or cognitive decline can be heartbreaking. Feelings of sadness, guilt, and frustration are common, and caregivers often struggle with emotional burnout. Seeking support from friends, family, or professional counselors can help manage stress.
  • Healthcare and Insurance Complexities: Healthcare systems can be confusing, and understanding insurance coverage, including Medicare, Medicaid, or private policies, requires patience and advocacy. Coordinating medical appointments and treatment plans is crucial for ensuring proper care.
  • Financial Strain: The costs of eldercare—whether in-home assistance or long-term care facilities—can be significant. Caregivers often juggle personal finances with these expenses, making financial planning essential.

Creating a Care Plan and Support Network

A proactive approach to eldercare begins with understanding needs, making informed decisions, and building a reliable support system.

Assessing Needs and Making Plans

  • Open Communication: Honest discussions about care preferences and living arrangements help ensure a loved one’s wishes are respected.
  • Evaluating Living Situations: Assessing safety, accessibility, and overall comfort at home is essential. Modifications like grab bars and proper lighting can prevent falls.
  • Exploring Care Options: Depending on the level of need, various options such as home care services, assisted living, or nursing homes should be considered.

Building a Strong Support System

  • Family and Friends: Engaging relatives and close friends in caregiving tasks can ease the burden. Even small contributions, such as managing errands, can make a difference.
  • Community Resources: Many organizations offer eldercare support, including meal services, transportation, and senior centers.
  • Professional Guidance: Consulting doctors, social workers, and geriatric care managers can provide valuable insight into care options and financial planning.

Managing Daily Care and Ensuring Well-Being

Caregivers play a crucial role in maintaining the quality of life for their loved ones. Daily caregiving can be demanding, but strategic planning can improve efficiency and well-being.

  • Safety and Accessibility: Installing assistive devices, decluttering, and ensuring proper lighting can enhance home safety.
  • Medication and Nutrition Management: Keeping track of medications and dietary needs is essential for preventing health complications.
  • Emotional Support and Engagement: Loneliness and depression are common among the elderly. Encouraging hobbies, reminiscing, and engaging in social activities can greatly improve mental health.

Legal and Financial Considerations

Planning for legal and financial matters ensures peace of mind for both caregivers and aging loved ones.

  • Legal Documents: Power of attorney, advance directives, and wills should be in place to ensure decisions align with the individual’s wishes.
  • Long-Term Care Planning: Exploring insurance options, government assistance, and personal savings strategies can help prepare for future costs.
  • Financial and Estate Planning: Consulting professionals such as financial advisors and estate attorneys can provide guidance on managing assets and securing a loved one’s financial future.

Moving Forward with Confidence

Eldercare is a multifaceted responsibility that requires compassion, preparation, and support. By understanding the challenges, making informed decisions, and utilizing available resources, caregivers can provide their loved ones with the dignity and quality of life they deserve. While the journey can be demanding, it is also an opportunity to create lasting bonds and meaningful moments with those we care for most. And remember that NEXsteps is here to provide guidance and support to help you navigate eldercare with confidence, ensuring that you and your loved ones are prepared for every stage of the journey.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Please send us your questions or share your comments.

Estate Administration Without a Will: Now What?

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
4 people in a room with a female judge. One young man has his head in his hands as he is stressed and confused. The other people are solemn

Handling an Estate When There Is No Will

Estate administration without a will can be a complex and challenging process, as there are no clear instructions left by the deceased. When someone passes away without a will, their estate enters a legal process called intestacy. Without clear instructions left by the deceased, the distribution of assets follows provincial or state laws, which may not align with what the deceased would have wanted. This can create confusion and stress for family members. If you find yourself responsible for managing an estate without a will, understanding the steps involved can help you navigate the process effectively.

Step 1: Understanding Intestacy Laws

Each jurisdiction has its own intestacy laws that dictate how an estate is distributed when there is no will. Typically, assets are distributed to the closest living relatives in a specific order of priority, such as:

  • Spouse or common-law partner (depending on the jurisdiction’s recognition of common-law relationships).
  • Children or direct descendants.
  • Parents and siblings if there are no surviving spouses or children.
  • More distant relatives if no immediate family exists.

Since intestacy laws vary, it’s essential to check the specific regulations that apply in the deceased’s jurisdiction.

Step 2: Petitioning for Estate Administration

Without a will, there is no named executor, so someone must apply to the probate court to become the estate administrator. Typically, a surviving spouse or adult child has priority in applying for this role. If no family members come forward, a public trustee or government agency may step in.

To apply, you will likely need to:

  • Complete and submit the necessary court forms.
  • Provide an inventory of the deceased’s assets and debts.
  • Obtain consent from other family members (in some jurisdictions).
  • Pay court fees associated with the application.

Once the court grants authority, the administrator assumes responsibilities similar to an executor in handling the estate’s affairs.

Step 3: Identifying and Securing Assets

A key role of the estate administrator is to locate and protect the deceased’s assets. This may include:

  • Bank accounts and investments.
  • Real estate properties.
  • Personal belongings and valuable possessions.
  • Vehicles, pensions, or business interests.

During this stage, it’s crucial to notify financial institutions and government agencies of the individual’s passing to prevent fraud or unauthorized access to assets.

Step 4: Paying Debts and Taxes

Before distributing any assets, the administrator must settle outstanding debts, which can include:

  • Mortgage or rent payments.
  • Credit card balances and loans.
  • Utility bills and other final expenses.
  • Taxes owed to federal or local authorities.

If the estate does not have enough assets to cover debts, the administrator may need to follow specific legal procedures to determine the order in which creditors are paid.

Step 5: Distributing the Estate According to the Law

Once debts and taxes are cleared, the remaining assets are distributed based on intestacy laws. This can become complicated if multiple heirs are involved, as disputes may arise over who is entitled to what. If heirs cannot agree, mediation or legal intervention may be required to resolve conflicts.

Step 6: Closing the Estate

Once all financial matters have been settled and assets distributed, the administrator must provide a final accounting to the court (if required) and formally close the estate. This process ensures that all legal and financial obligations are fulfilled before the administrator’s duties officially end. It is also advisable to obtain a release form from the heirs and beneficiaries, acknowledging that they have received their inheritance and releasing the administrator from further responsibility. This step helps prevent potential disputes in the future.

Challenges of Handling an Estate Without a Will

Managing an estate without a will can be a lengthy and complex process, often leading to:

  • Delays in accessing and distributing assets.
  • Higher legal costs due to additional court involvement.
  • Family conflicts over inheritance rights.
  • Tax complications that could have been avoided with proper planning.

How to Prevent This Issue for Your Own Estate

The best way to avoid intestacy is to create a will and update it as needed. A legally valid will ensures that your wishes are followed and makes it easier for your loved ones to manage your estate efficiently. Consider working with an estate planning professional to ensure your assets are protected and properly allocated. As Legacy & Lifestyle planning experts, NEXsteps is here to help.

Final Thoughts: Navigating Estate Administration Without a Will

Handling an estate without a will can be a daunting task, requiring patience, organization, and legal guidance. By understanding the necessary steps and seeking professional assistance when needed, you can ensure that the deceased’s assets are managed fairly and in accordance with the law. If you are currently facing this situation, consulting with an estate lawyer or a Certified Executor Advisor can help streamline the process and reduce stress for all parties involved.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Please send us your questions or share your comments.

Estate Administration: What Every Executor Needs to Know

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
image of papers, computer, calculator and clips showing complexities of estate administration

How To Avoid Estate Administration Mistakes 

Administering an estate is a significant responsibility that requires careful attention to legal, financial, and personal matters. Whether you have been named as an executor in a will or appointed as an estate administrator by the courts, you have a fiduciary duty to act in the best interests of the estate and its beneficiaries. Many people don’t know that this role comes with both legal and ethical obligations, and failure to fulfill these duties properly can result in legal ramifications.

This article will help you navigate the process, from handling initial responsibilities to finalizing asset distribution.

Understanding the Role of an Executor

An executor, also known as a personal representative, is responsible for managing the deceased’s estate according to the terms of the will and applicable laws. If no will exists, an administrator will be appointed by the court. Executors have a fiduciary obligation, meaning they must act with honesty, transparency, and in the best interest of the estate and its beneficiaries. Any mismanagement, even if unintentional, can lead to personal liability.

Key responsibilities include:

  • Identifying and securing the deceased’s assets
  • Notifying beneficiaries and relevant organizations
  • Settling debts, taxes, and ongoing expenses
  • Ensuring assets are distributed according to the will or intestacy laws
  • Keeping clear records and providing an accounting of the estate

Failing to properly manage the estate can lead to legal consequences. Beneficiaries or creditors may take legal action against an executor who is negligent, misuses funds, or acts in their own self-interest.

First Steps After Death

The first steps in estate administration involve organizing important documents and ensuring the deceased’s affairs are secured.

  1. Obtain the death certificate – This document is required for legal and financial matters, including accessing bank accounts, filing insurance claims, and notifying financial organizations and government agencies.
  2. Locate the will and estate planning documents – The will outlines how assets should be distributed and may name an executor. If no will exists, intestacy laws determine how assets are distributed.
  3. Secure assets – Real estate, bank accounts, vehicles, and personal property need to be protected to prevent loss, theft, or unauthorized access.
  4. Notify government agencies and financial institutions – This includes informing the Canada Revenue Agency or IRS, banks, pension providers, and insurance companies.
  5. Cancel ongoing services – Subscriptions, utilities, and other recurring payments should be reviewed and canceled as necessary.

The Probate Process

Probate is the legal process of validating the will and granting the executor authority to act on behalf of the estate. Not all estates require probate, but when necessary, it ensures proper oversight of asset distribution.

  • Assets that typically require probate: Solely owned bank accounts, real estate, personal property.
  • Assets that usually bypass probate: Jointly owned property, life insurance with designated beneficiaries, registered retirement accounts with named beneficiaries.

If probate is required, the executor must file the will with the court along with necessary legal forms. In Canada, there are no estate taxes, however Probate Fees may be due once Grant of Probate has been granted by the courts, based on jurisdiction and estate value.  Keep in mind that probate timelines vary.  Simple estates can take months, and complex estates can take years to settle.

Managing Debts and Taxes

Before any assets can be distributed, the executor must ensure that all debts and taxes are paid. This includes:

  • Settling outstanding bills and loans – This may involve paying off credit cards, mortgages, and other debts using estate funds.
  • Filing the deceased’s final tax return – Any unpaid taxes must be cleared before distributions can be made.
  • Handling estate taxes (if applicable) – Depending on the jurisdiction and estate value, estate taxes may apply.

Executors should work with an accountant or legal professional to ensure compliance. Failure to properly settle debts or taxes can result in financial penalties or legal actions against the executor.

Distributing Assets to Beneficiaries

Once debts and taxes are cleared, the executor can distribute assets according to the will’s instructions. If there is no will, intestacy laws dictate how assets are divided among heirs.

Challenges may arise when:

  • Beneficiaries dispute asset distribution
  • The instructions in the will are unclear
  • Some assets are difficult to divide, such as real estate

Executors must communicate transparently and document all actions. Keeping detailed records helps prevent disputes and protects the executor from liability.

Finalizing the Estate

The final steps involve closing out the estate and ensuring all legal requirements are met. This includes:

  • Providing a final accounting to beneficiaries
  • Obtaining signed releases from beneficiaries acknowledging receipt of their inheritance
  • Filing final paperwork with the court, if required

Once all steps are completed, the executor is relieved of their duties, and the estate is officially closed.

Legal and Fiduciary Responsibilities

Executors carry significant fiduciary responsibilities. If an executor fails to fulfill their duties—whether by negligence, mismanagement, or intentional wrongdoing—they can face personal liability. Beneficiaries or creditors can take legal action if they believe the executor has not acted in good faith.

Common legal pitfalls include:

  • Failing to properly document and report financial transactions
  • Distributing assets before debts and taxes are settled
  • Making decisions that benefit themselves over beneficiaries
  • Failing to act in a timely manner, causing financial loss to the estate

To mitigate risk, executors should seek professional guidance from estate lawyers, accountants, or financial advisors when needed.

As a Certified Executor Advisor, I can provide guidance and assistance throughout this process, ensuring that executors fulfill their legal and fiduciary responsibilities while avoiding common pitfalls. Having professional support can make estate administration smoother, reducing stress and legal risk for everyone involved.

Final Thoughts on Administering an Estate

Administering an estate is a complex and often emotional process that requires diligence, transparency, and legal awareness. Understanding the steps involved—securing assets, navigating probate, settling debts and taxes, and distributing inheritances—helps ensure a smooth and legally compliant estate administration.

For those serving as executors, recognizing your fiduciary duty and seeking professional advice when necessary can help you fulfill your responsibilities effectively and avoid legal consequences. If you need guidance in estate administration, consulting an expert can make the process more manageable and ensure the estate is handled properly.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Contact us to share your comments or ask questions.

Estate Planning & Your Digital Legacy: What Happens to Your Online Accounts?

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
an image of a man before a computer and a tablet, with images of various online icons demonstrating the number of digital assets he has

Why Your Digital Legacy Matters

Estate planning is often associated with physical assets like houses, cars, and financial accounts. However, in today’s digital age, your online footprint is just as important. From social media profiles and email accounts to cloud storage and online businesses, your digital assets hold sentimental, financial, and legal significance.

Failing to plan for your digital legacy can create confusion for loved ones, leaving them unsure of how to manage your online presence. Without clear instructions, important accounts may become inaccessible, personal data could be lost, and online identities could remain active long after they should be retired. Proper planning ensures your digital legacy is managed according to your wishes, providing peace of mind for both you and your heirs.

Understanding Digital Assets: The Invisible Inheritance

Your digital legacy consists of more than just data—it includes:

  • Social media accounts (Facebook, Instagram, LinkedIn, Twitter, etc.) that may contain personal photos, videos, and messages.
  • Email accounts that may hold essential personal or financial information.
  • Online banking and investment accounts that could require secure management.
  • Digital photos, videos, and documents stored in the cloud that have sentimental and financial value.
  • Websites, blogs, and domain names that may need to be maintained, sold, or shut down.
  • Cryptocurrency and digital wallets that require access credentials and instructions for heirs.
  • Online subscription services (Netflix, Spotify, Amazon, etc.) that should be canceled to avoid ongoing charges.

A key concern is what happens to these assets when you pass away. Some social media platforms allow memorialization, while others permit account deletion by designated representatives. Financial and email accounts often have strict access policies, potentially locking out loved ones unless legal arrangements have been made in advance. Understanding these policies can help ensure your online presence is handled appropriately and according to your wishes.

Planning Your Digital Legacy: Defining Your Wishes

A well-structured digital estate plan ensures that your online accounts are managed according to your preferences. Consider taking the following steps:

  • Document Your Digital Assets: Make a comprehensive list of your accounts, login details, and any specific instructions for each one. Store this information securely using a password manager or in a document accessible only to a trusted individual.
  • Choose a Digital Executor: Assign a trusted person to manage your online assets. This individual should have clear instructions on how to access and handle your accounts, whether that means closing them, memorializing them, or transferring ownership.
  • Include Digital Directives in Your Will: A digital will or estate plan directive can formally outline your wishes regarding your online presence. Some jurisdictions allow legal recognition of digital asset management instructions, so consult an estate planning attorney for guidance.
  • Provide Instructions for Your Social Media Accounts: Many platforms offer legacy settings where you can designate someone to manage or close your account after your passing.
  • Consider a Digital Time Capsule: Some people choose to leave behind digital messages, letters, or videos to be shared with loved ones after they’re gone, creating a meaningful digital legacy.

Tools and Resources: Taking Action

There are several ways to organize and secure your digital estate:

  • Digital Estate Planning Platforms: Services like Google’s Inactive Account Manager and password managers like LastPass or 1Password can help manage access to your accounts.
  • Social Media Legacy Settings: Many platforms offer options for handling accounts after death. Facebook, for instance, allows users to select a legacy contact or request account deletion. Google offers the Inactive Account Manager, which allows users to designate what happens to their data after a period of inactivity.
  • Legal Assistance: A lawyer specializing in estate planning can ensure your digital estate is incorporated into your overall legacy plan, preventing legal complications for your loved ones.
  • Cloud Storage & Backup Solutions: Ensure important documents and photos are backed up and that trusted individuals know how to access them.

Protecting Privacy: Honoring Your Digital Legacy

Taking steps to secure and protect your digital presence before passing away is just as crucial as planning for its management after death.

  • Prioritize Data Security: Use strong passwords, enable two-factor authentication, and keep a secure record of your credentials.
  • Minimize Your Digital Footprint: Regularly review and delete unnecessary accounts and personal information to reduce potential risks. Unused accounts can become vulnerable to hacking or fraud, so closing them in advance can protect your legacy.
  • Create a Meaningful Digital Legacy: Consider writing a digital farewell message, archiving meaningful content, or preserving important digital assets for family members. Some individuals choose to turn their online presence into a digital memorial, allowing loved ones to reflect on their life and legacy.
  • Inform Your Loved Ones About Your Digital Plan: Make sure trusted family members or your executor know where to find your digital estate plan. This will prevent unnecessary struggles in accessing important accounts and files.

The Future of Digital Estate Planning

As technology evolves, so do the considerations around digital estate planning. Artificial intelligence, blockchain, and evolving privacy laws will continue to shape how digital assets are managed after death. Some companies are already offering digital legacy solutions, allowing people to store and pass on their online information securely.

Additionally, as virtual reality and the metaverse expand, new questions will arise regarding the ownership and transfer of digital properties, avatars, and digital identities. Keeping your estate plan updated will ensure that your digital legacy aligns with both current legal guidelines and your personal wishes.

Don’t Leave Your Digital Footprint to Chance

Your digital legacy is an extension of your life and values. By making thoughtful preparations, you can ensure that your online presence is handled with care, protecting your loved ones from unnecessary stress while preserving your memory in a way that aligns with your wishes. Whether it’s securing access to important accounts, leaving behind meaningful messages, or protecting your privacy, taking action today can make all the difference for your loved ones in the future.  Estate planning is no longer just about physical possessions—it’s also about safeguarding your digital identity.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Contact us to share your comments or ask questions.

The Truth About Estate Planning – 10 Myths Debunked!

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
typewriter typing Myths Estate Planning

Estate Planning Myths Debunked: What You Need to Know

Estate planning is often misunderstood, leading many people to make costly mistakes or avoid planning altogether. Misinformation can leave your loved ones in a difficult position, potentially creating legal battles or unintended financial consequences.  This week, we debunk some of the most common estate planning myths to help you make informed decisions about your legacy. Once you have reviewed them, why not book your personalized 90 minute consultation to ensure your plan works for you and your loved ones.

Myth #1: Estate Planning Is Only for the Wealthy

One of the biggest misconceptions about estate planning is that it’s only necessary for those with significant wealth. In reality, estate planning is for everyone—regardless of income level. A proper estate plan ensures your wishes are carried out, protects your loved ones, and minimizes complications, regardless of the size of your estate.

Myth #2: A Will Is All You Need

While a will is a crucial part of an estate plan, it is not the only document you need. A comprehensive estate plan may also include a power of attorney, healthcare directives, trusts, and beneficiary designations. A will does not avoid probate, nor does it address issues like incapacity, creditor protection or tax minimization strategies.

Myth #3: If I Die Without a Will, My Family Will Automatically Inherit Everything

Many people assume that if they don’t have a will, their assets will seamlessly pass to their spouse or children. However, dying intestate (without a will) means your estate will be distributed according to provincial or state laws, which may not align with your wishes. This can lead to unintended outcomes and legal complications for your family. And it will take longer and potentially be more expensive!

Myth #4: Estate Planning Is a One-Time Task

Estate planning is not a “set it and forget it” process. Life circumstances change—marriages, divorces, births, deaths, and changes in financial status all impact your estate plan. Regularly reviewing and updating your plan ensures it remains aligned with your current wishes and legal requirements.

Myth #5: My Family Knows What I Want, So I Don’t Need to Write It Down

Even if you have discussed your wishes with your family, verbal agreements do not hold legal weight. Without written documentation, there is no guarantee that your intentions will be followed. A proper estate plan legally protects your choices and helps prevent family disputes.

Myth #6: A Trust Is Only for the Rich

Trusts are often associated with the ultra-wealthy, but they can be beneficial for individuals with modest estates as well. A trust can help manage assets, provide for minor children or dependents with special needs, and avoid probate, making the inheritance process smoother and more efficient.

Myth #7: Estate Planning Is Only About What Happens After I Die

Estate planning isn’t just about distributing assets after death; it also includes planning for incapacity. What happens if you have a medical crisis or accident that renders you unable to act or communicate? Powers of attorney and advance healthcare directives ensure that trusted individuals can manage your finances and make medical decisions if you become unable to do so yourself.

Myth #8: I Can DIY My Estate Plan Using Online Templates

Yes, these are options.  But while online templates may seem like a cost-effective option, they often fail to account for specific legal requirements and complexities unique to your situation. A poorly executed estate plan can lead to disputes, unintended tax burdens, or even legal invalidation. Consulting with an estate planning professional ensures your plan is legally sound and tailored to your needs.

Myth #9: Estate Planning Is Only for Older Adults

Many people believe they don’t need an estate plan until they reach retirement age. However, unexpected accidents and illnesses can happen at any time. Having an estate plan in place ensures that your assets, healthcare decisions, and dependents are taken care of, regardless of your age.

Myth #10: Naming Beneficiaries on Accounts Means I Don’t Need an Estate Plan

While naming beneficiaries on accounts such as life insurance, retirement funds, and bank accounts can help assets bypass probate, it does not cover all aspects of estate planning. It does not address incapacity planning, guardianship for minor children, tax implications, or potential conflicts among heirs. A full estate plan provides a more comprehensive approach to managing your assets and protecting your loved ones.

It’s Time to Take Action

Estate planning is an essential step in securing your future and protecting your loved ones. By dispelling these common myths, you can take proactive steps to create a plan that aligns with your wishes and safeguards your legacy. So, what’s your next move? If you haven’t yet created or updated your estate plan, now is the time to start. Seeking professional guidance can provide peace of mind and ensure your affairs are in order. Reach out to us to see how we can help.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Contact us to share your comments or ask questions.

The Self-Care Blueprint: The Caregiver’s Guide To Wellness

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
woman holding the hands of an elderly man

Caring for the Caregiver.

Being a caregiver is one of the most selfless acts of love and devotion, but it comes with challenges that are often unseen and unacknowledged. Balancing your own needs with those of your loved one can be overwhelming, leading to emotional and physical strain. Understanding the invisible burden of caregiving, planning ahead, and adopting strategies for self-care are essential steps to ensure both you and your loved one thrive.

The Invisible Burden of Caregiving

Being a caregiver often feels like walking a tightrope, balancing the physical and emotional needs of your loved one while trying to maintain your own well-being. This invisible burden can manifest in several ways:

The Emotional Toll of Caregiving:

  • Constant worry and stress: Ensuring your loved one’s well-being can feel like a full-time responsibility. The weight of making decisions and monitoring their health can be relentless.
  • Feelings of guilt and resentment: It’s common to feel conflicted about prioritizing your loved one’s needs over your own. This can lead to guilt for not doing “enough” or resentment for the loss of personal freedom.
  • Social isolation: Caregiving often consumes so much time and energy that maintaining social connections becomes difficult. This isolation can exacerbate feelings of loneliness and stress.

The Physical and Mental Strain:

  • Many caregivers neglect their own health, leading to exhaustion and a weakened immune system. The constant demands can also lead to chronic stress, anxiety, or depression.

Why Self-Care Matters

The adage “You can’t pour from an empty cup” rings especially true for caregivers. Taking care of yourself is not a luxury; it’s a necessity.

Avoiding Burnout:

  • Neglecting your own needs increases your risk of exhaustion, illness, and emotional distress.
  • Burnout can lead to poor decision-making and reduce your ability to provide effective care. In extreme cases, it can harm both your well-being and the quality of care you provide to your loved one.

Being a Better Caregiver:

  • When you prioritize self-care, you are better equipped to handle the challenges of caregiving. Maintaining your physical and mental health enables you to approach caregiving responsibilities with patience, energy, and resilience.

Planning Ahead: A Gift to Yourself and Future Caregivers

Planning ahead is a powerful way to alleviate stress for both current and future caregivers. By anticipating needs and organizing resources in advance, you can reduce the emotional and logistical burdens of caregiving.

Create a Care Plan:

  • Document medical information, preferences, and emergency contacts. This ensures caregivers have the information they need when decisions must be made quickly.

Legal and Financial Preparation:

  • Ensure legal documents such as powers of attorney, wills, and advance directives are in place and up-to-date.
  • Establish a clear plan for managing finances, including setting aside funds for caregiving expenses if possible.

Communicate Openly:

  • Talk with family members about expectations and responsibilities. Open communication can help prevent misunderstandings and ensure everyone is on the same page.

Seek Professional Guidance:

  • Consult with estate planners , elder care specialists, or social workers to create a comprehensive plan tailored to your loved one’s needs.
  • As legacy and lifestyle planning experts, NEXsteps is here to help.

One caregiver shared, “When my mother’s health began to decline, having her advance directive in place gave me peace of mind. I knew I was honoring her wishes, and it made difficult decisions a little easier.” Another remarked, “Setting up a clear financial plan early saved me from countless sleepless nights worrying about how to cover my dad’s medical expenses.”

Practical Strategies for Self-Care

Self-care doesn’t have to be time-consuming or expensive. Even small steps can make a significant difference in your well-being.

Physical Well-Being:

  • Incorporate physical activity: Aim for at least 30 minutes of moderate exercise daily, even if it’s just a walk around the block.
  • Eat a balanced diet: Focus on nutritious meals that provide sustained energy and boost your immune system.
  • Prioritize sleep: Aim for 7-8 hours of quality sleep each night to restore your body and mind.
  • Practice mindfulness: Activities like yoga, deep breathing, or meditation can help reduce stress and improve your overall sense of well-being.

Emotional Well-Being:

  • Stay connected: Reach out to friends and family for emotional support. Sharing your feelings can lighten the load and remind you that you’re not alone.
  • Seek professional help: A counselor or therapist can provide coping strategies and emotional relief if you’re feeling overwhelmed.
  • Engage in enjoyable activities: Take time for hobbies or interests, even if it’s just 15 minutes a day. Doing something you love can be a powerful antidote to stress.

Creating a Support Network:

  • Ask for help: Don’t hesitate to delegate tasks or seek assistance from other family members, friends, or professional caregivers.
  • Take breaks: Respite care services can provide temporary relief, allowing you time to recharge without worrying about your loved one’s well-being.
  • Join a support group: Connecting with other caregivers who understand your experience can provide validation, advice, and camaraderie.

A caregiver shared their experience: “Joining a support group changed my perspective. Hearing others’ stories reminded me that I’m not alone in this journey.” One participant noted, “Taking even a 10-minute walk each day gave me a sense of control and a much-needed mental reset.”

Caring for the Caregiver: Building a Foundation for Wellness

Caregiving is a marathon, not a sprint. While the journey is rewarding, it is also challenging. By acknowledging the invisible burdens, planning ahead, and prioritizing self-care, you can ensure you remain physically and emotionally healthy. Remember, taking care of yourself is not selfish—it’s the foundation that allows you to care for others effectively. By nurturing your well-being and planning for the future, you’re not only enhancing your quality of life but also improving the care you provide to your loved one.

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Contact us to share your comments or ask questions

 

The Top 7 Benefits of Getting Older – For Real!

Nancy Boisvert NEXsteps , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
4 older men and one older woman with old band t-shirts

The Fun Side of Aging You Didn’t Expect (and some bonus tunes!)

Aging often gets a bad rap—aches, wrinkles, forgetting why you walked into a room. But let’s be honest: getting older comes with some serious perks. Here are the top seven benefits of getting older and why aging is actually a VIP experience!

1. No One Asks for ID Anymore (And That’s a Good Thing!)

Remember the days of nervously fumbling for your ID while buying a bottle of wine, only for the cashier to scrutinize it like it was a classified government document? Those days are over! Now, you can waltz right up to the counter, and they’ll ring you through without a second glance. (Bonus: You can even complain about the price while you’re at it.) Plus, there’s something satisfying about the realization that you’ve reached a stage where people simply don’t question these kinds of things.

2. You’ve Mastered the Art of Selective Hearing

Kids screaming? Someone trying to sell you an extended car warranty? Thanks to a well-honed skill (or mild hearing loss), you can now tune out anything that doesn’t interest you. It’s not rudeness—it’s wisdom. And the best part? You can always pretend you didn’t hear something inconvenient. “Oh, you needed my help moving this weekend? Sorry, must have missed that!”

3. You Can Say What You Want (And Blame It on Age)

There’s a certain charm to being an older adult. People expect you to be brutally honest, and instead of being offended, they’ll just say, “Oh, that’s just how they are!” Want to tell someone their outfit is questionable? Go for it. Feel like sharing an unsolicited opinion on their life choices? Why not? Even better, if you ever say something outrageous, you can always brush it off with a casual, “With age comes wisdom!” – whether it’s true or not!

4. Naps Are Socially Acceptable

As a kid, naps were a punishment. As an adult, they were a guilty pleasure. But now? Now they’re essential! No one questions a well-timed nap anymore. In fact, people will encourage you: “You need your rest!” (Little do they know, you just don’t want to deal with people for an hour.) Better yet, naps now come with added benefits—waking up refreshed, skipping chores, and having an excuse to avoid social obligations. “Oh, I was napping, missed your call!” is a perfectly valid reason for anything.

5. Fashion Standards Are Optional

High heels? Skinny jeans? Matching socks? Not for you. Comfort is king, and you’ve earned the right to prioritize function over fashion. That means elastic waistbands, sensible shoes, and the occasional “formal” Hawaiian shirt. It’s your world now. Plus, if someone raises an eyebrow at your comfy ensemble, you can confidently say, “I’ve earned the right to dress for comfort over fashion!” Bonus points if your wardrobe includes a drawer full of decades-old concert T-shirts that you refuse to part with.

6. Senior Discounts (Everywhere!)

Restaurants, movie theaters, public transit—you name it, there’s probably a discount for you. Sure, it might sting the first time someone offers it without asking, but that 10-20% savings quickly soothes the ego. In fact, once you embrace the discount life, you might even find yourself asking, “Do you have a senior discount?” at every checkout. Why pay full price when you’ve literally earned the right not to?

7. You Know What (And Who) Really Matters

All jokes aside, one of the greatest perks of getting older is clarity. You’ve sifted through the nonsense, learned what makes you happy, and don’t waste time on things (or people) that don’t bring you joy. That’s a kind of wisdom that only time can give. You stop sweating the small stuff, realize that most drama isn’t worth your energy, and focus on the things that actually matter—whether that’s family, hobbies, or simply a quiet morning with a cup of coffee and zero obligations.

Final Thought

Aging isn’t just about gray hair and forgetting where you put your glasses (which are probably on your head). It’s about embracing the freedoms, privileges, and discounts that come with it. So go ahead—nap in your comfy pants, enjoy your senior discount, and let someone else stress about ID checks. Getting older might just be the best thing to happen to you!

Visit our online store for programs and guides or contact us for a personalized solution.

Watch our video here, or watch on our YouTube Channel:

Prefer a podcast? Listen here!

Contact us to share your comments or ask questions.

YouTube
YouTube
LinkedIn
LinkedIn
Facebook
Twitter