Life, Legacy & Wealth - Navigating key decisions for you and your family

About Life, Legacy & Wealth - Navigating key decisions for you and your family

Welcome to **Life, Legacy & Wealth**, the podcast that demystifies estate planning, elder law, and probate to empower you with knowledge to secure your family's future. Whether you are creating your estate plan, navigating the complexities of Medicaid, or settling the affairs of a loved one that passed away, we're here to guide you every step of the way. In each episode, we tackle the questions our clients ask most, like: "What estate planning documents do I need?" "What happens if my loved one died without a will?" and "What can I do if I make too much income for Medicaid but I can't afford a nursing home?" 

We'll also share stories of difficult situations and viable solutions that can have a positive impact on you and your family. Whether you're facing probate, trust administration, long term care issues, or simply want to plan for the unexpected, this podcast is your trusted resource. Let's protect your legacy, together.

Publisher

Cary Moss

Category

education · education

Language

en

Explicit

No

First episode

13 Mar 2025

Latest episode

6 Oct 2026

Latest episodes

23 episodes in the feed.

1. 

   6 Oct 2026

   022: Does a Will Avoid Probate in Florida? Estate Planning Myths Seniors Still Believe

   Most seniors who sit down with Cary Moss believe their estate plan is in order. About 75% walk out surprised. The most common misconception? That a will keeps assets out of probate. In Florida, a will only controls assets in a person's individual name with no joint owner or beneficiary, and those assets still go through probate. Cary walks Orlando seniors through six core documents: the last will and testament, revocable living trust, durable power of attorney, healthcare surrogate designation, living will, and HIPAA release. She explains Florida's two-witness rule and why out-of-state powers of attorney usually need an update. She also shares the story of a client whose handwritten note on an asset spreadsheet failed to protect his four daughters, plus what every 18-year-old needs signed before heading off to college. For anyone unsure their documents still fit their life, this is a clear place to start. In this episode, you will hear: Why having a will does not keep assets out of probate in Florida The six documents every Orlando senior should have in place When a revocable living trust makes more sense than a will alone Florida signing rules that can invalidate DIY and online documents Why powers of attorney from other states usually need an update after a move How beneficiary designations and joint accounts can undo a well-intended plan Where to store original documents so family can reach them in a crisis Resources from this Episode https://sawyerandsawyerpa.com/estate-planning/ Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

2. 

   22 Sept 2026

   021: Retiree, Business Owner, or Young Family: Trust Planning Isn't One Size Fits All

   Estate planning attorney Tom Moss joins the show to unpack a myth that trips up a lot of families: the idea that "irrevocable" means locked forever. Tom walks through how Florida law actually allows trusts to adapt, from trust protectors to the decanting process that can rewrite an estate plan after someone passes away. He also breaks down the three phases every revocable trust moves through and the exact moment it flips to irrevocable.. The conversation covers Florida's homestead protections, why families relocating from New York or New Jersey need to rethink their planning, and how the right trust structure shifts for retirees, business owners, and young families building wealth. Tom shares the "light bulb moments" that signal it's time to revisit an old plan, from a fiduciary who's passed away to a lawsuit nobody saw coming. In this episode, you will hear: How trust protectors and decanting can modify an "irrevocable" trust after the fact The three phases every revocable trust moves through, and the moment it becomes irrevocable Florida's homestead laws and why they matter for anyone relocating from out of state The Constitutional limits on the devise of homestead property Why Florida's Medicaid planning options stand out compared to other states How trust strategy shifts for retirees, business owners, and young families The "light bulb moments" that signal an old estate plan needs a second look Resources from this Episode https://sawyerandsawyerpa.com/living-trust/ https://sawyerandsawyerpa.com/revocable-trust/ https://sawyerandsawyerpa.com/special-needs-planning/ Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

3. 

   8 Sept 2026

   020: Does a Revocable Trust Protect You From Creditors? The Answer Might Surprise You

   Revocable or irrevocable? Most families think they already know the answer, and most are wrong. This episode breaks down the real differences between the two trust types under Florida law, starting with the biggest misconception clients bring into the room: a revocable trust does not protect assets from creditors during your lifetime, no matter what a viral TikTok claims. Tom Moss, estate planning attorney at Sawyer & Sawyer, P.A., walks through when a revocable trust makes sense for probate avoidance and incapacity planning, and when an irrevocable trust becomes necessary for genuine creditor protection, Medicaid planning, or providing for a family member with a disability. He explains the tradeoffs in plain terms, using real numbers and specific scenarios pulled straight from his own practice, down to what a $500,000 estate actually costs in probate. Every family makes this trade, whether they realize it or not. In this episode, you will hear: Why revocable and irrevocable trusts get confused so often, and the social media myths driving it The three real reasons families set up a revocable trust, from lifetime control to avoiding probate entirely What Florida probate actually costs, including attorney fees and personal representative fees on a $500,000 estate How a revocable trust protects against incapacity without a court-appointed guardianship Why a revocable trust offers zero creditor protection, even for a single person with no debt history The tradeoff at the heart of an irrevocable trust, protection and tax benefits in exchange for giving up control How irrevocable trusts serve very different purposes, from protecting a young heir to qualifying for Medicaid Resources from this Episode https://sawyerandsawyerpa.com/living-trust/ https://sawyerandsawyerpa.com/revocable-trust/ https://sawyerandsawyerpa.com/special-needs-planning/ Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

5.0 / 5

1 ratings

Podcast Authority Score: 23 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

47

Social presence

0

YouTube

0

Engagement

0