Planning Reimagined

Handshakes Don’t Survive Heartbreak: The Real Cost of an Unfunded Buy-Sell

A family business can survive competition. It usually doesn’t survive silence. In this episode of Planning Reimagined, Celeste Moya and Kris Stegall unpack a real-world business succession breakdown: the Smith family’s multi-subsidiary landscaping company is thrown into chaos after the unexpected death of a key-owner—because there was no buy-sell agreement, no funding, and no clear plan for ownership transfer. They break down why “we’ll work it out” is not a strategy, what it actually means to fund a buy-sell, how liquidity can prevent conflict (and litigation), and the practical steps business owners can take now to protect the company, the surviving family, and everyone who depends on the business. Subscribe to Story of the Week(ish) for planning insights in your inbox: https://zc.vg/P36OR [https://zc.vg/P36OR] Learn more at: https://www.robinglen.com [https://www.robinglen.com] Disclaimer: This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.

The Power of a Policy Review: How One Annual Check Saved $80,000 a Year

In this episode of Planning Reimagined, Celeste Moya and Kris Stegall discuss why routine policy reviews are one of the most overlooked tools in effective financial planning. Through a real-world case, they show how a simple review of a premium-financed life insurance policy uncovered an inefficient loan structure—saving the client $80,000 per year without changing the insurance itself. The conversation explores how life insurance, premium financing, indexed universal life, disability insurance, long-term care, and annuities should be treated as living financial tools that require ongoing attention. Celeste and Kris also address common misconceptions around policy performance, loan spreads, crediting caps, and illustrated returns—and why complexity makes regular reviews even more critical. This episode reinforces a core planning principle: implementation is only the beginning. Ongoing review and education are what keep strategies aligned with real-world conditions and client objectives. Subscribe to Story of the Week(ish) for planning insights in your inbox: https://zc.vg/P36OR [https://zc.vg/P36OR] Learn more at: https://www.robinglen.com [https://www.robinglen.com] Disclaimer: This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.

Planning for a Loved One With Special Needs

In this episode of Planning Reimagined, Celeste Moya and Kris Stegall discuss the critical importance of proactive planning for individuals with special needs, focusing on the case of Edward Whitmore, a retired executive concerned about his son Daniel's future.  They explore the complexities of financial management for vulnerable individuals, the creation of a special needs trust, and the role of corporate trustees in ensuring financial dignity and protection. The conversation emphasizes the need for comprehensive planning that considers both financial and non-financial aspects of care, including long-term care considerations and the importance of flexibility in trust management.t. Key Takeaways: * Proactive planning is essential for vulnerable individuals. * Financial management challenges often arise for those with special needs. * Creating a safety net involves more than just financial assets. * Corporate trustees can provide impartial management of trusts. * Long-term care planning is crucial for future needs. * Flexibility in trust management allows for changing circumstances. * It's important to consider both financial and non-financial aspects of care. * Planning should be tailored to the individual's unique situation. * Don't delay in establishing a special needs trust. * Engaging professional care managers can enhance support for vulnerable individuals. Subscribe to our *Story of the Week(ish)* for planning insights in your inbox: https://zc.vg/P36OR Learn more at https://www.robinglen.com Disclaimer: This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.

The Hidden LTC Risk That Can Derail Your Plan (and How One Family Fixed It)

Welcome back to Planning Reimagined, now reimagined for real-life stories, shorter episodes, and actionable insights. In this episode, Celeste Moya and Kris Stegall share the story of Philip and Danielle Lawson (names changed), a couple in their 40s who thought their planning boxes were checked… until they realized one major blind spot: long-term care for aging parents. When Philip’s parents, living on pensions and Social Security, faced potential care needs, the couple discovered just how quickly those costs could derail their own goals for college savings, retirement timelines, and charitable giving. Celeste and Kris walk through: * Why long-term care is one of the most underplanned risks in family wealth * What Medicare and Medicaid actually cover (and what they don’t) * The difference between traditional and hybrid LTC solutions * How “inefficient” assets (like old annuities) can be repositioned to triple care value * And how multi-generation planning protects not only parents, but your children’s future too They also explore the emotional side, including how caregiving can strain families, drain assets, and fracture relationships, and what you can do now to prevent it. Key Takeaways: * 75% of people over 65 will need some form of long-term care * LTC costs rise faster than general inflation (≈4.6% annually) * Hybrid life insurance and annuity designs can turn dormant assets into 3–4× care leverage * Proactive planning protects *three generations* — parents, you, and your kids Resources Subscribe to our Story of the Week(ish) for planning insights in your inbox: https://zc.vg/P36OR Learn more at https://www.robinglen.com Disclaimer This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.

Reimagining Goal Setting: Emphasizing Process and Mindset for Lasting Achievement

In this episode, Celeste welcomes Dan Lappin, Founder of Lappin 180, to discuss a whole new way to approach goal setting through building a resilient mindset. Through personal anecdotes, professional insights, and practical strategies, they unravel the often misunderstood concept of detachment from outcomes, emphasizing a focus on processes rather than end goals. Dan discusses how embracing discomfort and failure can be pivotal for growth. Celeste talks about how her father's advice to be "comfortable being uncomfortable" has shaped her career and personal life. They also talk about the power of incremental progress, positive self-talk, and adopting a mindset that sees each action as a step toward greater goals. They discuss the importance of feedback, handling failures constructively, and cultivating an abundance mindset. Dan offers insights into the cognitive and emotional impact of labeling experiences, highlighting the necessity of maintaining a neutral and objective stance for better decision-making. To find out more and connect with Dan, visit: https://www.lappin180.com/ [https://www.lappin180.com/] Key Topics Discussed: * Detachment from outcomes and its impact on motivation * The importance of focusing on processes rather than outcomes * Embracing discomfort and failure for personal and professional growth * Positive self-talk and mindset-strengthening strategies * Incremental progress and viewing goals as a series of small steps * The significance of feedback and handling it constructively * Cultivating an abundance mindset through gratitude and self-reflection * The cognitive and emotional impact of labeling experiences * The modern mindset challenges are rooted in our primal past