Why a Will Isn’t Your Whole Estate Plan: Elder Law Attorney | Buying Local #95

00;00;00;00 – 00;00;09;05
Speaker 1
Welcome, everyone, to buying Local. I’m your host, Mike Nelson from Five Towers Media. Joined today by Jessica Botello. Jess, how are you?

00;00;09;08 – 00;00;11;06
Speaker 2
I’m doing well, Mike, thanks for having me.

00;00;11;09 – 00;00;22;04
Speaker 1
Yes. Excited to talk to you. I know, as we were talking about before we got on here, I’m like, man, I. I don’t get to see anybody anymore. At least not in person. So this is, this is my social life, Jess.

00;00;22;07 – 00;00;28;07
Speaker 2
Yeah. Good to connect this way, and I’ll have you in person, if that’s okay. But life goes.

00;00;28;09 – 00;00;34;25
Speaker 1
That’s it, that’s it. And I’m trying to think. Do we? Originally we originally met through meeting point. Right.

00;00;34;27 – 00;00;36;04
Speaker 2
We did. Yeah.

00;00;36;09 – 00;00;58;00
Speaker 1
Well shout out to Charlie Amadio and the meeting point or the meeting. Yeah. Meeting point crew. Yeah. Jess, you know, give us a little bit for the people that don’t know you. Although I feel like you’re pretty well known in the the area at this point. Now, you’ve been doing this for a minute. But for the people that don’t know who you are, maybe just tell us a little bit about you and your business.

00;00;58;02 – 00;01;29;01
Speaker 2
Yeah, absolutely. So I am an estate planning and elder law attorney. I have a practice in Glens Falls, Maple Street, right near the library. And we. Okay. On helping clients prepare for end of life and incapacity. And that means putting wills in place, powers of attorney, health care practices and guiding clients through challenging transitions. Austin nursing home placement for a loved one, the death of a loved one.

00;01;29;03 – 00;01;52;13
Speaker 2
And we focus specifically on those areas because we want to be really good at them. You can’t be really good at every area of the law. And so those are what we focus in on. And, and we are really passionate about what we do here at Botello Law. We have a small team with myself as the sole attorney.

00;01;52;15 – 00;02;16;11
Speaker 2
And I have, paralegal and operations manager, Casey. She has been with me for almost two years now. And handles my paralegal work and also just the day to day operations of the firm. And then we have a legal assistant, Hanna, who joined us in August and is, the first person you see when you walk in, the first person you get to talk to when you call.

00;02;16;11 – 00;02;42;03
Speaker 2
And she is, done a great job helping us navigate, getting clients in the door quickly and helped us improve our scheduling. And so we are, a nice, well-rounded team. We also have a, another employee, Theresa, who is here about 1 to 2 hours a week. It’s, Brian Stud’s mother in law, who I helped.

00;02;42;03 – 00;03;04;15
Speaker 2
Brian’s did. Everybody’s there today. Who I also connected with the meeting point. And so when I had first started the firm way back when and said, I need someone, but I have no idea what, Oh, my mother in law just retired and is looking for ways to stay busy, and and, Theresa has been with me ever since for the past, almost three years now.

00;03;04;15 – 00;03;11;28
Speaker 2
So, yeah, we’ve got a nice little team here, and, we’re doing the things in Glens Falls.

00;03;12;01 – 00;03;25;23
Speaker 1
Very nice, very nice. Well, so I always have to ask, when you were going to law school, Jess, were you like, I’m going to go into Wills and Estates and that kind of stuff? Was that always the plan for you? Well.

00;03;25;25 – 00;03;56;06
Speaker 2
I was, I will say I was a a kid who never knew what I wanted to do. Like, I, I remember being young and people asking me what I wanted to do and just like pretending I had any idea and saying like a teacher or a that, like just those easily identifiable ones. I never really knew I was a psych major in undergrad, and I really liked the idea of psychology and some of the things I was learning, but I didn’t think I wanted to be a psychologist.

00;03;56;08 – 00;04;33;22
Speaker 2
I was interested in going into like criminal psychology and wanted to apply to go to John Jay down in New York City. And unfortunately, being from a small rural town in upstate New York, my parents said, no, you know, I’d go New York City because they’d never been. And, so I started looking at other options and got a law school kind of on a whim, applied and got in with a really horrible Lsat score and decided to go, and when I started law school, I had no idea what I wanted to do.

00;04;33;22 – 00;04;55;14
Speaker 2
I knew I didn’t want to litigate. I am not a person who has the confidence to litigate, in a courtroom. And I went to an elder law club because the law school would just have all these different types of clubs. And if you would go to the meetings, they gave you a free pizza. So I would go to all of these meetings.

00;04;55;14 – 00;05;27;24
Speaker 2
But I went to the elder law one and immediately became fascinated with the idea that I could practice in the field of elder law because, my upbringing, I had both my great grandmothers, very present in my life growing up as a kid. And I watched my mom and my grandma take care of them and just always felt attached to the older generation, and that caregiving aspect of life.

00;05;27;27 – 00;06;10;22
Speaker 2
And I think that, that really just made me who I am as a person and just being raised in that way. And it really led me into this field of realizing that I could actually help individuals of an older generation prepare, for a time. That is so just something people don’t don’t plan for or and are never ready for that, like next stage of life, that long term care planning and those needs that we have as we age and our our bodies and minds start to naturally fail.

00;06;10;25 – 00;06;51;15
Speaker 2
I was interested in being involved in that type of work and helping clients of that, that class in a sense, and then also got really interested in the estate planning piece of it, and that these are the legal tools that we have to help individuals prepare and be better positioned for the long term care piece. I watched one of my great grandmothers, live in a nursing home for eight years, and at the end of her life, I just remember I was in my late teens, early 20s.

00;06;51;17 – 00;07;16;09
Speaker 2
I remember my uncle who managed everything for her just talking about. She spent $500,000 in the last eight years on this nursing home. And, just being shocked that at the cost of it, and then to get into law school and to realize there was actually a way she could have protected some of that money, but no one in family knew.

00;07;16;11 – 00;07;41;16
Speaker 2
It made me want to help more people and just kind of spread that knowledge and help counsel people through those times because. Yeah. And how is anybody suspected to navigate how is anyone expected to navigate such a complicated system, especially when you’re dealing with Medicaid and Medicare and insurance? Nobody, nobody can easily navigate that world on their own.

00;07;41;18 – 00;08;04;20
Speaker 1
No. It’s very confusing worlds. And and it always astounds me when ever nursing homes. And this is not a shot at nursing homes, but I like. But it’s always astounding to me when I hear about the amount of money it costs to have people in nursing homes. That is just why that’s crazy. And that whole system just seems really weird to me.

00;08;04;20 – 00;08;06;20
Speaker 1
But I’m not.

00;08;06;23 – 00;08;09;10
Speaker 2
Yeah, no, that’s a valid reason.

00;08;09;13 – 00;08;10;20
Speaker 1
Not just me and the just.

00;08;10;23 – 00;08;11;11
Speaker 2
So.

00;08;11;13 – 00;08;12;07
Speaker 1
Strange.

00;08;12;09 – 00;08;14;26
Speaker 2
A really crazy system.

00;08;14;28 – 00;08;21;24
Speaker 1
And, real quick, just for, curiosity’s sake. Well, what was the rural upstate town that you grew up in?

00;08;21;27 – 00;08;49;27
Speaker 2
Westmorland, which is near Rome, New York, which is outside of Utica. So I usually say I’m from Utica, but I’m not I’m really from this really small rural town with a graduating class of 96. And, yeah, it’s it’s similar, you know, and similar in some ways to where I am now in Glens Falls. But it’s a lot it was a lot more rural, a lot less resources and services around.

00;08;49;29 – 00;08;54;26
Speaker 1
And so how did you end up? Was it school that brought you here to the Capital Region and then to Glens Falls or.

00;08;55;03 – 00;09;17;26
Speaker 2
Yeah, yeah. So I and I went to New Albany for my undergrad and then Albany law for law school. And when I graduated law school, I was working at a firm down it down in Albany for a little while and just needed to leave that firm rather quickly and ended up, accepting a job up here in Glens Falls.

00;09;17;28 – 00;09;48;23
Speaker 2
And I immediately fell in love with Glens Falls. From the moment I got off exit 18, I was like, oh, I really like it here. Luckily I got the job and we ended up. My husband and I ended up relocating to Middle Grove for, for about a year because he was still working down in Albany, and then we just kind of bit the bullet and and fully relocated up to Glens Falls because we really just love the area so much.

00;09;48;25 – 00;10;07;07
Speaker 2
And, it’s a nice location. Our families aren’t close by, so that can be a downside sometimes. But, I feel like I found such a community here that I feel like I have a lot of, a lot of close friends and, and clients, and I feel really at home.

00;10;07;09 – 00;10;19;08
Speaker 1
Yeah. Yeah, I, I think Glens Falls is an amazing place. I moved down here in the late 90s, and I was in Glens Falls until I, until we bought the farm out here in Greenfield. So.

00;10;19;11 – 00;10;22;29
Speaker 2
Yeah. Because your kids went to Queensbury. Yeah. Right.

00;10;23;01 – 00;10;39;00
Speaker 1
Yeah, yeah, that’s a great area. Amazing community, business, community. Just everything is is fantastic. So kudos to Glens Falls. Oh, yeah. So when now, when you got to college, did you go right into Elder Law?

00;10;39;02 – 00;11;05;14
Speaker 2
Yeah. When I got out of law school, the firm that I was working with, was an elder law firm. And so I got immediately got a lot of hands on experience and some great mentors. And when I was working in Albany, and then when I transitioned up to Glens Falls, I was the only, I was an attorney with elder law experience coming into a practice that didn’t have any elder law practice or experience.

00;11;05;14 – 00;11;30;17
Speaker 2
And so, that gave me a lot of autonomy to be able to, to practice in that area and really hone in on my skills. And I just really fell in love with it. I really love the the area of elder law, to me is, is really as simple as counseling clients through elder issues and long term care planning.

00;11;30;20 – 00;11;59;14
Speaker 2
And for me, sitting down at the table with a family that is contemplating a loved one who starting to cognitively decline and need care, and helping them navigate where they could possibly find care as an alternative to a nursing home. How they’re going to pay for that care, the legal documents that they need to put in place to make sure that the right people are handling things for that individual.

00;11;59;16 – 00;12;28;00
Speaker 2
It just gives me such, like it gives me so much back. I feel so fulfilled doing this type of work because I really feel like I’m able to help clients in those, those times. And so to me, it’s, it’s the most rewarding part of my, my job is being able to help counsel clients through those aspects.

00;12;28;03 – 00;13;02;11
Speaker 1
And at some point you decided, hey, I need to start a business. Right. So that. Yeah. And I always say jokingly, because I don’t think and when you first started out and we’re talking about your, your firm and how it’s set up currently, that was one of the things I was thinking about. I was like, it sounds like you’ve set yourself up a nice system that allows you to do law and work with your clients because, you know, small business owners were chief cook bottle washer, you know, like when it was just you by yourself.

00;13;02;11 – 00;13;25;00
Speaker 1
You’re doing all the things. Not only do you have to practice what you do, but then you have to run the business and file tax returns and corporate nonsense and be compliant with the state and all these different laws. And, I hear about that experience with you. Just how do you manage this all somehow?

00;13;25;03 – 00;14;04;03
Speaker 2
I was someone. Yeah, I so I was telling someone this morning, my daughter is four, my business is three, and my son is two. So it’s been a crazy few years for me. You know, the last five years is just kind of a nonstop. Lots of changes, lots of growth in the family and business wise. And my, my transition to to opening this law firm, kind of began with my former law partner, Megan Harris para, who I know, you know, and, have interviewed for this podcast, which I enjoyed watching.

00;14;04;06 – 00;14;29;04
Speaker 2
You know, I joined Megan back in 2019, at her law firm at the time, and we became partners and we were partners for, for several years. And then I had my first daughter, and I just felt this pull, you know, back home, and, you know, I was practicing in Saratoga. I live in Queensbury.

00;14;29;04 – 00;14;53;22
Speaker 2
We’re talking about a 25 minute drive, but. Yeah, anyone who’s normally, er, Glens Falls in Saratoga, there’s this bridge that separates Saratoga County and Warren County and to clients up here, that bridge just makes all the difference. A lot of I was finding a lot of clients from up here who I was connecting with weren’t necessarily willing to want to go down to Saratoga to do their legal planning.

00;14;53;24 – 00;15;19;21
Speaker 2
And also, at the same time, I had a, you know, one year old child. And I was just feeling like every time the daycare called, I’m a half an hour away. And if there’s a real emergency, like, so, you know, just want feeling that pull to be closer to home. Megan and I had an amicable separation, and I opened the firm up here in Glens Falls.

00;15;19;21 – 00;15;46;24
Speaker 2
And when I opened the firm, you know, it was easy. I was not busy. I was, you know, I could take clients, you know, whatever clients call they could take. Because I was brand new and starting out, and and, boy, right now we’re booking out until March. Very good clients. So things that really shifted over the last three and a half years.

00;15;46;26 – 00;16;09;12
Speaker 2
I think that deciding to open the business, you know, I had learned so much in my partnership with Megan, so I wasn’t really so scared to go out on my own because I had so much experience already running the firm with her and learning from her when she was doing it before I joined and then opening it.

00;16;09;14 – 00;16;34;27
Speaker 2
Especially going from like, having employees to no employers, I was like, this is great. I’m only responsible for me. Yes. And and then, yeah, after about a year and a half months and by the time I had had my son, in 2024, I was just like, I need help. I can’t do this all by myself anymore.

00;16;34;29 – 00;16;58;08
Speaker 2
It’s not efficient. And, and so making those hiring decisions, you know, that was scary. But being a business owner, I find, you know, all of those decisions, they’re they’re scary at the beginning. And then you just get so comfortable with how your business is transitioning and growing because you kind of have to, and bring in Casey.

00;16;58;08 – 00;17;28;15
Speaker 2
And I knew that she I knew she was a great paralegal, because her and I had worked together previously. But I also knew I needed her to help me manage things. And luckily for me, she was willing and able to step into that role, and having her as my director of operations has given me the freedom to know that things are like getting done correctly, how they’re supposed to, on the business side of things.

00;17;28;15 – 00;17;34;11
Speaker 2
And then on the legal side of things, I’m making sure things get done correctly for our clients.

00;17;34;13 – 00;17;37;17
Speaker 1
Yeah, it’s a lot to manage and balance.

00;17;37;20 – 00;17;49;21
Speaker 2
Yeah it is. We also bought a camp this year. We’re in the process of selling our house and buying a new house to neighborhoods over. So I guess, you know, I’m driving in the craziness.

00;17;49;28 – 00;17;55;27
Speaker 1
Yeah. No, no, never a dull moment in the lives, Jessica Botello, it sounds like.

00;17;55;29 – 00;17;57;13
Speaker 2
You know.

00;17;57;16 – 00;18;15;28
Speaker 1
What? So you talked about the scariness of hiring, like, your first employee and bringing employees on, which I think is very real thing for every business owner, right, of knowing when to do it. Who to hire? You know, there’s whenever you hire someone, you really don’t know what you’re going to get until you hire a fee, right?

00;18;15;28 – 00;18;35;18
Speaker 1
Like it’s a scary thing. And for the record, I can 100% empathize with you about going from having a team that you have to manage to having no employees. There is a certain weight that gets lifted because, you know, like I said, when you have team members and employees like you’re responsible for them, you’re worried about them.

00;18;35;18 – 00;18;47;04
Speaker 1
It’s like it’s like having kids, right? Like, and not in a condescending manner is just you worry about them. There’s stress related, just like there is that you have for your kids. Like, are they okay?

00;18;47;07 – 00;18;48;21
Speaker 2
So yeah.

00;18;48;23 – 00;19;08;18
Speaker 1
How did you navigate all that? Like, like, it sounds like the the signal was there. You needed help, right? You’re probably sit on your laptop till 11:00 every night getting no sleep, then starting over, kids and all the things that happen. What, what how did you decide on who and when and what they were going to do?

00;19;08;18 – 00;19;10;23
Speaker 1
And.

00;19;10;25 – 00;19;50;07
Speaker 2
Oh, I think I, I do. I’m a believer in karma and like things are going to happen how they’re supposed to happen. I had my son in September 2024, and I was out on maternity leave for about two months, and then I realized like, oh, I’m making no money, I need to get back to work. So I started working again in December, and then at the end of, December, Casey, who, my current, director of operations, had emailed or texted me, you know, that she was looking for other job opportunities.

00;19;50;07 – 00;20;16;04
Speaker 2
She was ready to explore different options. And, I, I set up a call with her, and then I just, I think something clicked. I said, I think I need to hire Casey. I wasn’t looking to hire. I wasn’t even thinking about hiring anyone. But I think that, you know, the world has strange ways of of working. And, it felt like a sign.

00;20;16;06 – 00;20;44;12
Speaker 2
And so I remember talking to Casey and saying like, hey, look, I have no idea if this could work out. I’ve never hired anybody. And I want you to do the paralegal work you’ve been doing. But also, I’m really in need of other, you know, help with the business. And are you willing to do that? And her and I had several discussions and ultimately agreed.

00;20;44;12 – 00;21;11;15
Speaker 2
She was happy and excited to do that. And and it worked out beautifully. Because her and I had already worked together when I got out of law school and I started at a firm in Albany, Casey was, about to go out on maternity leave to have her daughter. She worked at that firm. Casey taught me how to do Medicaid applications, and she taught me how to do estate settlement.

00;21;11;15 – 00;21;34;01
Speaker 2
When I was just a first year attorney at a law school. And, and so we have a lot of history together. When I moved up to the firm in Glens Falls, Casey just also happened to be moving up to Glens Falls. She started at that firm with me when I went and joined Megan a year later, Casey went and joined Megan with me.

00;21;34;08 – 00;22;08;07
Speaker 2
So it all I like to say I worked at for for law firms before. And Casey has also worked at those same law firms before Whitney and and so we have such a good rapport and a friendship that, you know, extends extends what we do. And so I also think that, our relationship, while it could have made the business relationship more challenging as sometimes friendships tend to, to do, it actually has worked out really well for us.

00;22;08;07 – 00;22;37;14
Speaker 2
And we’ve been able to maintain, a good professional relationship. And also a close friendship. And then trust, knowing that I had someone like Casey that I could trust just made all the other decisions a little bit easier. You know, I, Casey, and I communicated frequently on. Okay, well, when might we need to bring someone else in?

00;22;37;15 – 00;23;10;11
Speaker 2
What does that look like? And so just staying, communicating and keeping those, lines open all the time to talk about how things are going and when do we need to make certain business decisions. And having a partner that is not necessarily like, you know, 5050 decision maker, but like a so somebody to make decisions with that as that clearly also cares for the business and the clients.

00;23;10;13 – 00;23;32;23
Speaker 2
It’s made it a lot easier on me. And I think it also just to feel like a close, a close team here, we work really closely together and we care about each other a lot. And we’re also really considerate of each other’s needs and moods. And, I think that makes it all work really well.

00;23;32;25 – 00;23;34;16
Speaker 1
Sounds like a great hire.

00;23;34;19 – 00;23;37;05
Speaker 2
Yeah.

00;23;37;07 – 00;23;58;25
Speaker 1
So I know that we’re getting short on time, but I wanted to ask a couple of questions as far as wills and states and eldercare and all that, just because, you know, and through this podcast like that, you had mentioned interviewing Megan and other folks in this arena that, you know, I’ve come to learn a lot about it that I think most people are not even aware.

00;23;58;27 – 00;24;13;03
Speaker 1
Yeah. Yeah. Like, it’s kind of wild. And the how important this stuff is and how much of an impact it can have on everybody’s life. But yet, you know, people just think, oh, well, yeah, I’ll get to that at some point. Right.

00;24;13;03 – 00;24;14;12
Speaker 2
So,

00;24;14;15 – 00;24;25;03
Speaker 1
As far as your practice and things that you see, like what are some of the bigger things that you’re seeing that people should know about and understand fully?

00;24;25;03 – 00;24;48;20
Speaker 2
That’s a good question. You know, I think that there’s there is a really limited understanding of what estate planning is in general, like you said, you know, nobody calls and says, I need an estate plan. People call and they say, I need a will or I need a power of attorney. And so this idea of estate planning as a concept isn’t really clear to people.

00;24;48;22 – 00;25;11;01
Speaker 2
But when people come in and they’ve said, oh, I’m coming in because I need a will, I always set them down. And I say, well, we’re going to cover basic estate planning, and that’s going to entail what happens when you die and where your money goes. But that’s also going to include planning for incapacity. And what happens if you lose capacity.

00;25;11;01 – 00;25;29;27
Speaker 2
And now we need people in place to step in and help you navigate things. I think that people focus so much on the will part and where things are, where your money is going after you’re gone. And people tend to not want to think about the fact that losing in capacity is not a, guarantee. But it’s possible.

00;25;29;27 – 00;25;56;02
Speaker 2
And having a plan in place with the right people appointed or the loss of capacity, is most important part of your estate plan, in my opinion. Because really, who cares where the money goes at the end of the day, if you didn’t appoint the right person while you were alive to take care of you and your money, while you, you know, didn’t have the ability to do it yourself.

00;25;56;05 – 00;26;27;12
Speaker 2
So I think a lack of focus on the power of attorney and health care documents. And one thing I’m I’ve seen recently that I’ve been trying to focus on more with clients is I think generationally, we have seen a huge shift in, the way that clients are approaching estate planning. I think the older generation and I don’t remember what generations are called ever.

00;26;27;12 – 00;27;01;11
Speaker 2
But, you know, like the clients that might be in their 80s or 90s right now, they’re less open about things, more closed off and not wanting to share information with kids. And then you have the baby boomer generation who never got any information from their parents. And and now they want to be open with their kids and, and, and that generation of clients is who I see the most the baby boomers and and they all come in and they say, I really want to make it easy for my kids.

00;27;01;13 – 00;27;31;11
Speaker 2
And I started to tell clients recently, like, I, we can make it as efficient as possible, but this is never easy. Yeah, it’s never easy to step into these roles. The best thing you can do for your kids is advise them ahead of time, have conversations about that with them, about these different roles that you’re considering, putting them in and making sure that they’re prepared and that they understand what you expect of them when they step into that role.

00;27;31;13 – 00;27;56;11
Speaker 2
Because it’s never easy. Usually if somebody’s stepping into a role that we’re talking about, it’s because there’s either been a loss of capacity or that, and those are really vulnerable times for for people, especially your children. And so I’m challenging clients to, to take a step back sometimes and consider, is your is your son the best person for that role just because he’s the oldest?

00;27;56;11 – 00;28;23;24
Speaker 2
Does he have the experience managing finances that he needs to actually step in and be successful in the role? Because otherwise you’re just setting them up for failure. Maybe you should consider a child that is more experienced with managing finances or a third party, a friend, a sibling of yours, because sometimes putting children in those roles is can create a lot of conflict amongst the other children.

00;28;23;25 – 00;28;45;19
Speaker 2
They weren’t chosen. And so I’m, I’m trying to focus more on helping clients prepare their kids for what things are going to look like, not just and not telling clients. Yeah, we did a trust, so it’ll be easy. It’s never easy.

00;28;45;22 – 00;28;51;29
Speaker 1
Just how do you navigate some of those? Because they have to be uncomfortable conversations sometimes. Right.

00;28;51;29 – 00;29;15;24
Speaker 2
Like I it’s interesting I think that I’ve gotten really good at asking hard questions. And I think that it’s, you know, it’s not instant. Clients don’t walk in the room. And I say, but do you trust your oldest child? I think that it takes a little bit, you know, there’s it takes it takes clients a few minutes to warm up to answer those questions.

00;29;15;26 – 00;29;41;18
Speaker 2
But I, I think it’s just approaching it from the standpoint of, have but have you considered, you know, this possibility and here are some potential, scenarios of how this might affect that plan and just kind of showing them by example, sometimes different ways that things can go wrong. And most of the time clients are appreciative of that.

00;29;41;18 – 00;30;12;08
Speaker 2
And they say, like, I would have never thought of that. Thank you for giving us those examples. Sometimes clients don’t care. And there’s well, no, just put age order. Just do them an age order. But, you know, I think it’s my job to ask those questions because they don’t know. They’ve never done this before. I had a client tell me, two weeks ago was sitting down and reviewing her draft documents, and she had a lot of questions and she felt almost, I think, embarrassed that she had so many questions.

00;30;12;08 – 00;30;41;23
Speaker 2
And she looked up and she goes, you know, I’ve never died before. And I said, you are so right. Yeah. I think that’s a good way of looking at it. Yeah. Nobody’s ever done this before and it’s scary, and we all hope for the best. And I think asking the, the hard questions and challenging clients on, certain choices is only intended to help them in the long run and, and help their family.

00;30;41;25 – 00;30;51;20
Speaker 1
Yeah. Well, yeah, because it once once we do die, it’s kind of out of our control what happens. Exactly. So you try to set them up for the best path for when that happens?

00;30;51;23 – 00;30;53;19
Speaker 2
Yeah, absolutely.

00;30;53;22 – 00;31;02;01
Speaker 1
Yes. If someone that hasn’t died before, has questions, they want to get Ahold of you. How do they find you?

00;31;02;03 – 00;31;31;23
Speaker 2
You can call us, if. Sure. You could provide our information somewhere, but, or email. I’m not allowed to email with clients on my own anymore because I make too many promises. I just I override the schedule. So they’ve taken that ability away from me, but, Yeah. Reach out to Hannah, and she will get you set up and that end, and I, I think that I would say for people who think, oh, I’ve got documents.

00;31;31;23 – 00;32;04;14
Speaker 2
I’m good, I’m fine. You know, just take them out and look at them and think through like, the people that I chose still the best people for these roles. Is there any reason I should consider reviewing this plan with, my attorney again or with a different attorney that specializes in this field? Because there are a lot of attorneys that do wills and do estate planning, but they don’t often specialize in, specialize in estate planning or know the elder law side of things.

00;32;04;16 – 00;32;18;20
Speaker 2
So, especially as you hit those retirement years in your long term care planning seems a little bit more realistic. It’s always good, always a good idea to review those things.

00;32;18;22 – 00;32;34;13
Speaker 1
Okay. And for the record, yes, I, I have the same problem as you do. And I have been removed from multiple duties because I’m always like I was fine with just do it. I, you know, whatever I don’t worry about if it’s if we’re, don’t worry about any of it. Just use.

00;32;34;15 – 00;32;36;02
Speaker 2
Yeah I’m a yes person.

00;32;36;02 – 00;32;38;28
Speaker 1
So it’s Ruggles I just want to help.

00;32;39;01 – 00;32;40;19
Speaker 2
Because I really.

00;32;40;21 – 00;32;52;24
Speaker 1
We’ll just, we’ll make sure that we get all your contact info in the show notes. And thanks so much for spending time with me. I got a lot going on running the business and being a mom and doing all the things you do. So thank you for coming up.

00;32;52;26 – 00;32;54;15
Speaker 2
Thanks, Mike. Thanks for having me.

00;32;54;17 – 00;33;10;04
Speaker 1
You are very welcome. And of course, thank you to everyone for listening and watching. You can find this episode, all of our episodes at Buying Local. That’s us and of course podcast on Spotify, Rumble, Apple and YouTube. Thanks so much everybody. You’ll hear from us next week.