Well, good afternoon everyone. Appreciate you all joining today. Uh if you’ve been on a webinar with me before, you know that like to get started about two minutes in. Give everybody who might be running late or running late from lunch etc. just a minute to jump on especially if they’re experiencing any technical difficulties which we are all very familiar with how Zoom and Teams and all these other video chat applications you know we’ve all experienced those plenty of times. Uh we’ll get started about two minutes after today’s presentation is not that long. It’s only about 25 slides total. Uh but and as usual, if you have any questions, I’ll say this all again, too. Uh but if you have any questions, chat, Q&A section, go ahead and notice those now. Um I have to go over a slide about not putting in a notetaker. So please don’t use any AI note takers. Uh however, can’t stop you from taking any photos in your phone. So feel free take notes, take a photo of the slide. I can’t stop you from doing that. But uh looking forward to presenting to you all today. Got a pretty good turnout, too. Had a about 600 RSVPs to today’s. We have a really large turnout so far. So excited for that. But yeah, sit back, relax. We’ll get through estate planning. Probably about 30 minutes today, maybe 45 tops. Thank you again for joining and joining early. Just one other thing too. Anybody out there don’t if they don’t mind um going in the webinar in the Q&A the webinar chat or the Q&A section just letting me know that you can hear me. Quick mic check. I do appreciate that
or I would appreciate that.
Thank you very much. All right. Mic check. Mic has been checked. Appreciate it. Thank you. Thank you. All right, folks. We have some great turnout today. Um, first time joining me and apologies to those who have already heard me paired it once. We’re going to get started about 2 minutes after the hour in 60 seconds or so. Just let everybody else who might be running late, give them a quick second to join, technical difficulties, run late from lunch, etc., etc. Thank you all for joining on time and early today. I do appreciate it. it does help us get the ball rolling. Um, but as usual, save all the questions for at the end. Go feel free to type them into the chat or the Q&A throughout, but I like I will address those towards the end. Again, thanks for joining. With that, let’s begin. So, good afternoon folks. My name is Baptist Bruner. I’m a Houston, Texas-based financial consultant with Alliant Retirement Investment Services. Uh again, just a part of a team of financial professionals with Alliant who give regular educational webinars to give our members the best experience possible. Again, I’d like to start by thanking all of you for taking the time out of your day. I I know these two 3:00 webinars might be cutting into work. This is a quicker one today, but I do appreciate you coming in to get a better understanding of how to best prepare and plan your legacy and some steps you can take to just be at ease, maybe help you sleep better at night. Uh this is a shorter one. It’s only about 25 slides. We’ll be in and out of here in about 30 to 40 minutes. Uh, of course, as always, we will reserve time at the end to answer any of your questions. Go ahead and identify the chat in the Q&A section. Now, feel free to type in your questions early on. I will get to them at the end as best as possible. Again, when that time comes, go ahead and ask those questions. Um, also stick around. Second to last slide is a new feature that we’re offering here for our clients. So, might be something that’ll help you be a little bit more at ease as well.
We’re having a new issue. A lot of people are liking to add their AI notetakers into these meetings. Uh, please don’t do that. This is all proprietary. Uh, can’t stop you from taking a photo at home. Can’t see any of you right now anyway, but please don’t send any AI note takers, um, etc., etc. All right. Hey, as for some upcoming webinars, we’re probably going to talk about Roth IRA conversions for a smidgen today. You know how much I love talking about those if you’ve been with me before, but we’re doing the big one on Roth IRA conversions. That’s going to be Tuesday, June 23rd at 6 central, 7 Eastern. I highly implore everybody to join that one. And heck, tell your friends. It’s a way to find out how much money you can save in retirement. It is a legacy planning strategy, too. Do you don’t want your kids to have a massive tax load later on? Might be able to help mitigate that. You can also grow your funds using ones. It just to each their own. Might be a candidate. You don’t know. More people are than you’d think. But Roth IRA conversions, highly highly suggest that you join. Another one. Uh this is a new one on my webinar um list, I guess. Designing retirement income blueprint. I just read over this one recently. It is a great webinar, too. Really does lay out everything. That’s Thursday, July 9th. It’s going to be another one of these mid afternoon ones, but 2:00 Central, 3 Eastern.
And of course, our team at Alliant Retirement Investment Services. We’re focused on helping you, our members, understand the ins and outs of investing and saving for retirement, much, much more. Go ahead and take a look at all of our resources on our website. That’s aerys a r i s.allioncreditun.com. If you do slashevents, you see our entire webinar schedule. Although I am the best at presenting. I’m not the only one in our team that presents. Probably doing about two. We’re doing like 10 of these a week now I think. Uh different sk different topics, different seminars uh from our team members across the country. We also have our podcast invests. So, same website/mpodcast, but of course, go to the blog or our resource center, take a photo of this slide. A lot of great resources on there for you to check out, especially if you’re getting close to retirement. If you’re already retired, doesn’t matter. There’s a topic on there that can benefit you.
All right. So, what is the purpose of estate management? Estate management is about preserving the assets that you’ve spent a lifetime building. You know, it’s about protecting your spouse, children, or other heirs and and ensuring that your assets are distributed how and when you want them to be. And finally, estate management is about managing the amount of estate taxes that may be due after your passing. And there are some fundamental estate management principles that can enable you to manage your financial and personal affairs during your lifetime and distribute your wealth after passing, too.
But there are two objectives in effective estate management. First is managing your financial and personal affairs during your lifetime. And second is distributing your wealth after your passing. And when it’s done well, estate management can just make a huge difference. And it can enable you to spell out your health care wishes in ways that may help ensure they’re carried out even if you are unable to communicate. And it can help ensure that your possessions go to the heirs you choose without this endless legal wrangling that can tie up your estate and cause deep divisions within your family. You may have experienced that personally. This might be a way to avoid that for your heirs. But through effective estate management, you can avoid needless expenses and legal costs. And you can provide for loved ones who may not be protected otherwise. And these issues are too important to trust a lot. You need to determine the outcome by planning in advance.
And we found it helpful to illustrate the various estate management principles and strategies pyramid. And the foundation is formed by an understanding of how estate taxes work. And as we move up, we encounter critical estate management documents and at the top specific tactics for estate management. Let’s just begin by discussing the foundation of our state pyramid. Just how do estate taxes work? So in order to understand how they work, let’s look at the history of the estate tax. First estate tax was established in 1797 to fund an undeclared naval war with France at the time. And then shortly after that war ended, that tax just went away. And that happened again for the civil and the Spanishamean wars. Congress p passed an estate tax to pay for the war, then repealed it afterwards. Doesn’t happen often, right? Repealing taxes. But until 1916, then the 16th amendment to the constitution was passed in 1913. The one that gives Congress the right to lay and collect tax incomes from whatever sources arrived. But the Revenue Act of 1916 established a state tax, and it’s been modified over the years, but never repealed. Then in 2012, the American Tax Relief Act made the estate tax a permanent part of the tax code. In 2017, the Tax Cuts and Jobs Act doubled the estate tax exemption. In 2020, the estate tax exemption rose to 11.58 million. Laws currently already expired. That was increased again back with the Big Beautiful Act. Believe it’s around 13.58 now, too. So, 13.58 exemption.
So, in this hypothetical, let’s just use the old number still. Or no, we’re using the new one. No, we’re using the old one. Let’s just use the old numbers for the sake of understanding the formula. But uh this is how you can try to estimate your estate taxes if they do apply to you. So if you don’t happen to have a complete set of IRS tax tables lying about, you can estimate the federal estate tax by using a quick formula. So beginning with the gross value of an estate, subtract the exemption amount of 11.58 from previous years and then multiply that result by 40% in the federal tax bracket for states above 11.58 in size. And if you complete your estimation and find you may have an estate tax bill, it’s possible you may benefit from estate management. Now, anybody, everybody here, maybe some of you, maybe none of you are in this situation or in this bracket. That’s fine. We’re going to go through a lot more. We’re just talking about that federal exemption here.
But there are also a number of critical documents you may need to have as part of your estate plan. And the first of these is a will. And a will is the most basic estate planning document. And a will tells the world exactly where you want your assets distributed when you pass. And everybody should have a will. But according to one study, roughly 60% of Americans don’t have one. And that’s really shortsighted and not just for the wealthy because if an individual dies or without a will, it’s up to this the uh the state to then decide how his or her assets will be distributed. Even if you have a trust, you still need a will to take care of any holdings outside of that trust when you die.
And a will is really just the cornerstone of your estate. Your will names an executive to oversee the process of distributing your estate. It can name a guardian for your minor children. It can direct how you property is to be distributed, etc., etc. But unfortunately, as important as they are, wills have a lot of shortcomings, too. You know, wills can be contested. In fact, the probate court will send out notice of the will to anyone who might have grounds to contest it. And if someone wants to contest it, there is the potential for a lengthy battle in probate court. Another thing to mention, which we’re not going to get into much here, but like your 401ks, your 403bs, possibly your bank accounts, but a lot of your investment accounts and your retirement accounts. Let’s say you’re married or you’re on your second spouse. If you never change your beneficiary on your 401k, it still has your first spouse listed, but your will says it’s going to your your current spouse. Guess who’s getting that that investment account? Your previous spouse. So, little homework for everyone right now. Write it down. Double check all of your IAS, 401ks, bank accounts. Make sure that it’s your current wishes that are listed as your beneficiary because your beneficiary form will trump your will.
And probate, back to this, is a matter of public record. So, if the only estate management tool you use as a will, anyone who wants to can find out how much you left and to whom. And we’ll talk more about how you can potentially avoid probate, distribute your assets to your heirs privately. But first, there are some essential documents that most people should consider having in place.
And to really take care of your state, a will isn’t that only isn’t the only document you need to have in place. There’s actually a whole set of documents that can help you pursue your estate management goals. And among these are advanced directives which include a living will, a power of attorney, and the durable power of attorney for health care. There are also financial documents and agreements like joint ownership, durable power of attorney, and living trusts.
So, back in 2006, you may remember the case of Terry Shabo. Uh, but the case of Terry Shabo brought advanced directives to the forefront. As you may remember, Miss Shaveo was severely incapacitated and her family members battled for years about what should be done. And since Miss Shavo did not have a living will, her wishes could not be known. And in spite of the high-profile nature of that case, most Americans still do not have their health care documents prepared and have not had a conversation with loved ones about what level of care they want if they are incapacitated. And a living will provides specific instructions about your medical care if you become incapacitated and unable to communicate. And it goes into effect immediately upon your incapacity and doesn’t need to go through any additional legal proceedings. And a power of attorney document authorizes someone to handle legal and financial decisions should you become incapacitated. And it can also go into effect upon your incapacity or upon any other trigger event that you specify in these in these documents. But like a living will, a power of attorney does not need to go through any additional legal proceedings. Individual states can have various power of attorney laws. So consider becoming familiar with your state’s own laws, particular regulations in order to make a more informed decision. But a durable power of attorney for health care agreement authorizes someone to make decisions for health care on your behalf. And like the living will and the power of attorney, it does not need to go through any additional legal proceedings.
So again considering that case of ter shaveo would your family know your wishes if you became incapacitated you contemporary research shows that about 70% of older Americans complete advanced directives before their death and that’s up from 30% only a decade ago but with extended life expectancy and a variety of treatment options available the chance that you or someone close to you will benefit from an advanced directive is just greater than ever more than it’s ever
But of course, estate management isn’t all documents. There are some basic tactics to understand as well. You know, the first of these is simple. Give money away while you’re still alive. Uh tax code allows an individual to gift up to 15,000 per person. In 2019, that has gone up, too. But that’s without triggering any gift or estate taxes. If you and your spouse both make gifts, that’s double then because from each and it’s per gift or two per uh each recipient. So if a person gives $16,000 to someone, the person then has the person who gifted it has to pay a gift tax on that remaining thousand. But if it’s you and your spouse, you gift up to 30K in this examp
um so that annual exclusion amount is indexed for inflation, which isn’t why it’s gone up since these numbers that I have in front of me here, but is measured by the consumer pricing index. So it rises in thousand increments. But in 2020, an individual can give away up to 11.58 million during his or her lifetime without owing any federal taxes. Couples can leave up to twice that without owing any federal tax or gift tax on it. Just keep in mind that some states again might have their own rules and regulations. I’m in Texas. There’s no estate tax from the state. And I don’t believe Florida does either. I know that the majority of folks on here are from Texas and Florida. I don’t believe either state. I know Texas doesn’t. Pretty sure Florida doesn’t have any state and state tax either.
All right. So trust, a lot of people like to talk about those and see if they’re a candidate for them. Again, I’ll offer an opportunity for you to find that out at the end. But trust can be another powerful estate management tool. And a trust is a legal entity that can own property. Properly structured trusts completely avoid probate and avoid the delays and expense that often accompany probate. And trusts are also, unlike wills, not a matter of public record. They are a tool for maintaining privacy. And trusts can provide very effective management of your assets and their distribution to your heirs. And even after your death, trusts can provide some measure of control over how assets are distributed to children and other beneficiaries. But in addition, trusts are much more difficult to contest than a will. So using a trust involves a complex set of tax rules and regulations. And before moving forward with the trust, consider working with a professional who’s familiar with the rules and regulations.
And when do you need to consider when you know what do you need to consider when putting together a management plan for your estate? Well, there are two crucial factors to consider. First, what’s the value of your estate? As you make this calculation, make sure you include all the property that you control or have an interest in. And this includes personal property, your home, real estate, cash and bank accounts, investments, retirement plans, business interests, and life insurance, including the death benefit benefits as well. In 2020, the gross value of your estate must exceed 11.58. I think it’s 13.58 now, but in order for you to be subject to that federal estate tax. But even if you’re not, you should still consider getting your estate and healthcare documents in order so that your wishes may be carried out. Make sure that you have everything together. Second though, what are your estate management objectives? So ask yourself the following questions. Whom do you want to inherit your assets? And whom do you want handling your financial affairs if you’re ever incapacitated? Whom do you want making medical decisions for you if you become unable to make them for yourself? And do you want to provide for your spouse if you should pass first? Do you have young children that you need to provide for or disabled children or family members to provide for? And if your children are grown, do you want to distribute your state equitably, if not perfectly equal? And will you need to provide cash to help your heir settle your estate as well? just some of the many questions to ask yourself.
And life insurance can also play a critical role in your estate management, particularly when used in conjunction with a trust. You know, life insurance can provide money to pay for estate expenses. It can be set up outside your estate. You can even gift life insurance policies. You can utilize them towards your final expenses. And that just makes it a very powerful tool. So, let’s look at just one example. Under this strategy, a person establishes an irrevocable trust and funds it. And the trust then purchases a life insurance policy on the life of the person that established it. This effectively just removes the life insurance policy as its eventual benefit from the person’s estate. Then when that person dies, the estate passes to his or her heirs and the life insurance policy provides the funds to pay any estate taxes that may come due. And several factors will affect the cost and availability of life insurance including age uh health and uh you know the type of amount of insurance purchased. But life insurance policies have expenses including mortality and other charges. But if a policy is surrendered prematurely, policy holder also may pay surrender charges and have income tax implications. So you should consider determining whether you are insurable before implementing a strategy involving life insurance. But any guarantees associated with the policy are dependent on the ability of the issuing insurance company to continue making claim payments. And life insurance is not insured by any federal government agency or bank or savings account. By the way,
so what do you need to consider when putting together a management plan for your estate? Two crucial factors to consider. First, what’s the value of your state? As you make this calculation, make sure you include all the property that you control or have an interest in. So, this includes personal property, your home, real estate, cash, bank accounts, investments, retirement plans, business interest, life insurance, including the death benefits. But again, you know, even go walk around the house, maybe find out that the Hummels that you might have are worth a couple some money. Maybe your old friend Tarkington, you know, football card has some money. You can consider these things. They all should be included in your documentation. So, just ask yourself those these questions and it helps you put together your plan better. Sometimes walking on top of just listing all of your assets between your bank accounts, your retirement accounts. Maybe consider just walking around the house, writing down other things that are of notable value. There might be fine china or antiques. These are all things to consider, especially for the ladies on the call. your jewelry. Those are also things that you might want to consider including there. Gold and diamonds, those are assets.
But principles of estate management, they are important for many reasons. And just here are some scenarios that you might be familiar with. Again, Anthony and Selena here, believe it’s this one. Oh, no, this one. Anthony and Selena, couple with children asked, “What’s the best way to gift assets to our children and our grandchildren? and they have a blended family. So, what type of trust would be appropriate for them? Then Dave and Christina, that’s his middle one. They’re a retired couple. They want to know, is a living trust worth the trouble and expense to set up because they can be expensive and it’s another entity that you’re going to have to pay for when it comes to tax season when you have to file. But what’s the best way for us to take title of our assets? Rebecca on the left there, she’s a single parent and business owner. and she wonders, well, how can I protect my business interest in the event of her passing? Does she have all of the critical documents she needs in case of a catastrophic change in her health? Because it’s just her. And then Isaac likes to do research online. He asks, “Are the critical health care documents I downloaded legally binding? How can I make sure I avoid probate estate taxes?” And the answer to these and other concerns will vary with each individual situation, and they can all be addressed in a review. I’m going to offer you an opportunity a bit to do a review with me. Um, it’s at no cost, but I’ll go through that. But the new tool that we have offered on the retirement investment side with the Lion, this is a new offering that we have reserved for our clients. So, it’s trust and will. It’s a digital estate planning service with tremendous value and it can save you a lot of money. And again, it’s at no cost or charge for our clients. It’s reserved just for them. For more complicated estate planning, you might want to consider an attorney, but about 90% of people can get everything done right here with this digital platform. So, I’m going to send out a poll next right here before the questions. Click yes or no, but we can go ahead and see, you know, in a consultation. If you want to find out if this platform might be good for you, we can see that in a consultation. But like I said, folks, we’re at the end here. This is a quick one and again there’s a number of tools available to assist you in effective estate management. First you need a good estate management team in place and that’s where we can come into play. So we can at least help you start figuring out where you are and what steps you need to take. If you want to have sit down with me, have a consultation. We can discuss if maybe trust and will works for you or if an attorney might be best. Go ahead and um just send out the poll. Let me know yes, no, not at this time. It doesn’t hurt my feelings if you say no. Trust me, we’re just here to help our members. But here to assist every step of the way. Again, I do ask that everybody at least answer the poll. You’re not going to hurt my feelings if you say no. I just like to get a really good response rate. Hence, I’m the number one guy at our program right now with answering these polls. So, you’re just making me look good. If you appreciated the time today or the the content, um I would appreciate if you just answered it. makes me look good and I’m going to do another estate planning webinar soon from a different fund company. Um it it does a different side of things. So expect to see that in a couple of months. Keep an eye out. But please here to assist everybody. We’ll start taking some questions now. Go ahead and identify the chat Q&A section. Remember too the the consultation is at no cost, no obligation. We’re just here to help out our members. Again, banks not credit unions better than banks. members own the own the credit unions, shareholders, own banks, everything else. Oh, great. You’re working with one of our guys already. Glad to hear that. All right. So, again, any questions you might have, go ahead and put in the question and answer section of the chat. Let me start looking at what we have here.
All right. So what’s the difference between a regular last will and testament legal document and a pourover will legal document as related to estate planning and as related to a revocable trust or not having a revocable trust. So a traditional ass will directs who gets your belongings and names guardians for minor children. Um in in contrast so a poor overwill is a specialized will used alongside a living trust. It just simply acts as that safety net to transfer any assets accidentally left outside the trust directly into the trust on your death. And some of these questions, folks, I’m sorry. I’m going to have to just say this ahead of time. I try to answer these questions as best as I can. Most of the time I I can only give you a macro answer because I’m not speaking I don’t know anything about you right now. But most time these consultations are best to get to know you before I can give you a specific answer that’s best for you. I will answer questions as best as I possibly can.
In your opinion, what professional should take the lead on estate planning preparation? The estate attorney or the CFP? That’s a great question, too. And going back to the tool that we have available to us now, you know, trust and will might be all you need. And trust and will that platform that I just showed you, there are attorneys involved there where you can ask them questions, but really we can help you figure out, hey, is a trust right for you or is it really worth the hassle? And that’s going to come to your, you know, that’s going to be up to you at the end of the day, but they can be hassle to have trust or they will be probably, but just does the benefit outweigh the hassle and that’s what it comes down to. Sometimes you don’t need to work directly with an attorney. You can use these digital platforms. A lot of you are from I to Susie Orman. She has her own platform too. Um, and that works. Everyone should at least have access to legal advice. you can get that through trust and will. Uh it will save you a fortune, but you know, sometimes an attorney might make more sense. It just depends on the estate. Like I said, 90% of people can probably be just fine with the digital platform. But again, that’s a question I could answer for you if we were to meet.
Would you highly recommend that the estate client seek out an estate attorney who is licensed to practice law in county and state where state client resides? So getting a local attorney is your estate planner. If you’re going to go the attorney route, absolutely. But it would be if you’re going to use the digital platform, it’s on those attorneys. And I believe it breaks it down to local ter uh local law. It it’s up to them to know the rules, too. So whether you go digital or an estate plane, it’s state attorney that’s local. It is up to them to know the rules in that case. It just depends on out on weighing which one do you want? You know, do you want to pay a lot for an attorney or pay a little or nothing at all for a digital platform?
Do you have tax attorneys that we can consult with prior to making any decisions or changes to financial decisions? It depends on where you’re located. Um I I do have some attorneys here in the Houston area. Uh, it depends if if you’re in Florida, depending on where you are, I might have one that I could recommend your way. Again, trust meet with me. We can find out if you even need an attorney. Um, and I I’ll be happy to help you with that one. That’s not a problem.
When is a trust taxed annually? It depends on what’s in the trust. If tax deferred products are in the trust, then then no. Uh it it depends on what vehicles are in the trust or their distributions etc. But you are going to have to have a tax filing for a trust each year because a trust is just a non-living entity has its own tax identification number. It has to file taxes every year.
Automobiles can can automobiles be added as a property to a trust. Yes. It’s not always necessary though. If that’s all that’s going in the trust, you probably don’t need one to be completely honest. But now, if we’re talking about, you know, Mercedes AMG from the 60s, different story. Now, you have an asset, not a depreciating product, a, you know, depreciating asset. What are the fees for advice? We don’t charge anything for consultations. Just give us a shout. Yeah, you can schedule an appointment with me right now if you want to using this QR code. Or just take a photo of this email, my phone number. Don’t use that phone number. That’s my office line. I I prefer myself, but send me an email. We’ll schedule an appointment. Be happy to answer any questions you have. Again, no cost, no obligation. You’re a member of the credit union, i.e. a stakeholder, owner of the credit union. You are my boss. We’re here to help you out every step of the way.
Try to understand this question before I read it.
Opening a bank account is establishing the trust then all transactions are made within that entity. Correct? Okay. So, you need to open up a trust before you can open up a bank account in that trust’s name.
I I try to ask that question again. I’m trying to understand it. I’m sorry.
How do you preserve Well,
case of Medicaid, Medicare reimbursement after death. How do you preserve wealth in the case of Medicaid and Medicare reimbursement after death? I’d have to understand your question a little bit better there. If you could be if you could elaborate more, be happy to look into it at the least. I I don’t know. I’d have to look into that one for you to understand the question better. Again, folks, we still have some more folks on here not answered the poll. If you didn’t receive it, let me know. Um, and if you want me to reach out to you and schedule an appointment, I can. But please answer the poll if you haven’t yet. I would appreciate that. Okay, feel free to call. Um, I’m going to go ahead and put my cell number in the chat. I do have a meeting after this, but feel free to call anytime afterwards today. But there’s my cell. It’s in the chat now. All right. Any other questions, folks?
I think that’s it. So, yeah, like I said, today’s going to be a pretty quick webinar. We’re 31 minutes in. We’re already done. Okay. Yeah. Thank you. I appreciate it. I hope this was a good one. Again, this is a this is a good basic estate planning webinar. There’s another one that I’d prefer to do most of the time that gets into the weeds and maybe, you know, more into trust and then more into wills. But just know this again, everybody’s homework today. Double check all of your annuities, 401ks, 403bs, investment accounts, bank accounts, etc., check every one of them for who your beneficiary is listed as. You might, you know, might have been married before, got divorced. You don’t want to go into your ex- spouse. You might have been remarried. You changed your beneficiary to your family member. Now you want to change it back to your spouse. Double check all these things. Nobody wants to get hit by a city bus tomorrow and all their money to go to their ex. And that’s coming from a divorce guy. So, we I I can speak with that thoroughly. Let’s see. All right. I think that’s all of our questions today, too. So, I’m going to stay on for another few minutes. Um, join me for the Roth conversion webinar in a few weeks, please. If you haven’t seen it before, or if you did it once before and you want to see it again to understand them better, join. It’s one of the greatest tactics available for tax planning and for legacy planning. It’s how you’re able to give your heirs tax-free money. So, go ahead and join me for that one in two weeks. It’s going to be an evening one. Everybody should be available for it. Highly implore you to do so. Uh, but other than that, we’re done for the day. Thank you all very much. I’ll stick around for another minute in case there’s any additional questions. Thank you all very much. You have a wonderful day. I’m glad you enjoyed the webinar. Thank you very much. I’m over here shaking my leg out of being nervous, but thank you. I appreciate everybody’s um kind words.
Oh, and for those that are still on, if you clicked yes, I will follow up with you tomorrow. Will not have these answers until tomorrow. So, um, you can expect an email and a phone call from me.
Okay. Med medic Medicaid state recovery
here.
See,
I’m not familiar with it. Medicaid is state recovery, but I can certainly look into it later today. Um, shoot me an email and see if we can touch base on that one.
Good luck with your move. That’s fun. I’m about to go through one myself next month, so I I can empathize. But good luck with the move. Give me a shout. Yeah, call me whenever, shoot me a text whenever, or um you can text my cell that I put in chat there. Send me an email. We’re here to assist year round. But good luck with the move.
Okay, great. Keep checking on the webinars. You have a great day, too. Thank you. All right, folks. I’m going to go ahead and sign off now. No more questions. To those did say yes. I’ll be in touch tomorrow. Have a great day. Enjoy your weekends.