hi everybody joey topix here host of week to me divorce to core and so much more we to me what is that let me explain for some of the people who are just tuning in we do we is a service that helps women and men  transition go into their house happily through color and design and with this show i also like to invite other guests to specialize in situations that are transitional like divorce loss of a spouse empty nesters retirees so it's not just about design tips on the show and what you can do to make your house feel comfortable in a nursing but it's also about hearing from other professionals like me a very good friend julian centanni who is on for a second time how we're going to focus on a state planning a state planning is super important and we're going to hear why that is especially if you've gone through a transition so having said that miss julie and introduce yourself thank tell me i am an attorney i specialize in estate planning and i have an office and watch on new jersey sure do yes so today this is your second time back last time we had a great show and it was very informative and we talked about divorce law now we're going to talk about estate planning because that's really important and i remember after my divorce everything had to be really redone and it's you kind of don't think of it when you 're in middle of this or even at the end you're not thinking about this so why don't we start off by you telling us a story first maybe an example of how important it is to really look into your estate planning even though sometimes right it is necessary and it's necessary that people get their wills redone and the reason for this is because if you're leaving something to that exparel us some states don't automatically revoke the things that you have given like new jersey well new jersey actually does automatically revoke but with respect to your other documents such as the advanced directive and the power of attorney rose law does not automatically revoke those documents so it's important to get everything done and you can't just do one part of it you really have to review the whole yes and even more importantly if you have a life insurance policy that beneficiary designation needs to be changed ok because most of the time you have your former spouse receiving the proceeds right have been cases and i have had clients come to me where there ex pat was going to be a windfall so it's an ongoing operation it's done and the now the person is fighting it i actually was at a client's home and it was a husband and wife and they thought that they did not need their well redone and they were actually asking out their well and it happens that each well had the other spouse as a witness you know can do we you cannot have left at this interested even know so they're sitting there with their mouths open and they were glad i asked the question one of the things is even if you think the will does not need to be reviewed get it review just one of them right because people go come out of the woodwork when money is involved it is and everybody wants to use the courts instead of just having in a peaceful discussion wow that's really frightening i had assume people understand and guess what they don't understand so that is a really interesting right now that is frightening i have no idea and i would never think to ask that question and i'd never think to look for it i wouldn't think of any of these things oh my gosh what's the second thing people overall i i think that a lot over attorneys if somebody says i would like a well the attorney won't follow up with do you have an advance directive for your health care later mallard is turning out on the house a lot of the clients that i have helped they will say they have a will and then they don't have the other two documents so if you go to an attorney and they're not that's a great red flag to know that how do you know this because even i remember when i did my will years and years ago now it's of course changed a million times over but before when i was the middle of my dad or so long time ago i didn't know about those other two it years later and it wasn't anything like that and those questions were asked and again i didn't even know that that was special that that person asked me so i didn't even know i had it good i don't know how bad i didn't know i had it good so this is why this is  you express your wishes so most people know this document as a living well right and then it also appoints a proxy or representative where they will assist with your your finances and that is something where if you again are incapacitated somebody will be able to still pay the bills are you can't you right you are not the only person if you can't sign those check oversee anything there's someone that you trust must be wow first and foremost yeah there's a lot of that and i think a lot of people sometimes think that all that's included in the will guess what i did years ago but yeah i did i did thought that was all of it i don't know what i know again this is really important so everybody review you will simply just just take it somewhere it's worth it it really is worth it oh my gosh did you have do you have a worst possible story they can have what's called a testamentary trust but that is a trust that is created after the person dies and you will point a trustee ok and you can have certain in qualifications of what you wish to do with your money most of the time that is created if you have children that are under a specific age ok or if you have many times people have children in their twenty's or thirty's and they don't want them receiving a lump sum of cash right they feel like i'll blow it all right so that they're short or children rusty can manage that right ok so in any event there are circumstances where people have trust but you don't need that is much simpler than creating an independent trust outside of those sort of that is the second bad word here so much i guess i'm done with divorce and so many ways that this is this is more interesting to be estate planning anyway having said that let's talk about a third thing that maybe people overlook we've done the first two in and before we close will make sure to review everything of course i want to i want to get it stuck in my head too and i want everyone else to i understand right so what do you think is the third red flag or running out a vote on attorney's office like your hair's on fire like that so something and this so simple just for people and i had a client and wonderful client yes who thought that she had a well power of attorney and advance directive oh boy and she thought usually people keep it with their attorneys because we have c and i and it's safeguarded there what happens if the attorney retires then they must notify the client and the cry and the car accident they can notify anyone i'm sorry i had instructions i have instructions where the person who would be is the next person would i know and would have all their wells but that is  up this believed that her documents or with this other tourney and didn't think that i needed to draft everything again oh boy i sent a letter to the attorney in my wildest dreams you just don't think of those questions right there should be a list of questions you know what you should do if you already have it on your website you should have a list of questions that people should ask any attorney should be your right but i but they should also go to you because you should redo their homes and create an experience for that experience that connect them to their space in a way that promotes emotional wellbeing through color and design i really do i really believe what i do is psychologically based it isn't about how your space books it's about how it makes you feel right and it isn't that true of everything how do you feel when you sit with me how do you feel when you sit with you with your with your attorney do you feel comfortable i'm always stressing that you have to feel good about every decision you make even if you are uncertain at least try to feel good about the professional that you've hired exactly being protected and that if something happens to you oh then you don't need to worry because you've done what you're supposed to do and your you know sense of calm for them yes in their a state planning life productivity as it does right and it makes you will be easier to deal with i feel that when somebody is have been you can really pull from oh yea and that is all through the wonderful work that you define thank you so much and what's interesting is you produce a sense of calm with what you do and what i do and i'm give you an example or a color temp i was told you i was going to tell you now i am because you said the word com for people listening out there the color blue is scientifically proven to lower your blood pressure decrease your respiration and definitely create a sense of calm right it's it is the most popular color in the world wow that kind of cool course and the reason why as human beings we really like the color blue is because it reminds us of the things in nature guy who water and all of those things are coming in if you think about it if you create a space that's blue right it feels like you're outside it feels like you're bringing the outdoors in so it's really important to address color and more when my work the first thing i always address is color it doesn't matter about the style or anything else so that's a good tip yes because the two of us create a sense of c that's what it is it's all about representing who that person is and how they feel very always number one so that's why i think it's really good to have other professionals on you can heart you can and you can go on and on about this and i'm so grateful that you did because i really learned a lot this time and this was really very valuable for me and i'm hoping that the people there are listening learn stuff about color and hopefully the design tests if you combine all that together we're really so good we're good team we calm through your environment like that do you like that it's very good i don't like that so before we go because we have a little bit of time i'd like to review the three ok red flags because i just did my color and my tip and i want you to review what you went over because i loved those barriers some in the holy ghost so that is a last will and testament that is an advance directive for health care decisions also known as a living well right i'm glad you said yes and then a power of attorney before this can be accomplished with a will and the testamentary rights test which is elementary and then the third test is to make sure that you located at seven seventy five mountain boulevard i am also on facebook linked in instagram and every other piece of social media and my website is  three ninety five four three eight six if you care to call and hopefully that one of us or both of us will hear from anybody out there that's needing help we are here to help feel free to call phone calls don't cost any money just good give us give us a call if you need