Shows
The Life and Legacy ShowAbout the Red Wagon ClubAt Sechler Law Firm, we've gotten lots of questions about our Red Wagon Club and how it is the BEST way to support middle class families with their estate plans. Listen to this week's episode to find out how we're changing the rules of how law firms support their clients.
2023-12-0226 minThe Life and Legacy ShowMedicare v MedicaidIt's open enrollment season for Medicare recipients. This means this is the one time each year you could change plans. In this episode Tim does a brief compare/contrast of your Medicare options and also describes why you need to also become eligible for Medicaid benefits. Learn more about all your healthcare programs in this episode.
2023-11-0426 minThe Life and Legacy ShowHow Law Firms Should Treat Their ClientsFor most law firms, the client experience is an afterthought. Paid consultations. Complicated legaleeze. Signing documents you don't fully understand.Not for us. At Sechler Law Firm... we're changing the game. Our unique process allows us to serve clients in a way that focuses on education and long-term relationships. We love this new process almost as much as our clients. Learn about it on this episode.
2023-10-1426 minThe Life and Legacy ShowWhat To Think About When The Unthinkable HappensWhat do you do when a loved one gets sick? What if you're the one they turn to for help? Where do you turn for help?What if you lose a parent or other loved one and now you're in charge? What do you do first?In this episode, Tim gives some simple tips on what to do next.
2023-10-0726 minThe Life and Legacy ShowA Few Things I BelieveAt the Sechler Law Firm, we think about things a little differently than other firms. We don't think you're a transaction and that it's all about death planning. Instead, we want a relationship with you to help you have a happy and financially secure retirement. Check out this episode to find out about what your law firm should be doing to help you!
2023-09-0926 minThe Life and Legacy ShowRich Men North of Richmond and Labor DayOliver Anthony's hit song "Rich Men North of Richmond" has gone viral in the last 3 weeks because it has resonated with the middle class. In this Labor Day episode, Tim shares some of the ways the government has made it harder for middle-class families - and what you can do about it.
2023-09-0226 minThe Life and Legacy ShowThe One About Estate RecoveryDid you know that if you go to the nursing home, the state can take your house from your estate? The states don't say it this bluntly, but it's true. Each year, the government collects over $700 Million through a process called Estate Recovery. Pennsylvania is one of five states responsible for nearly 40% of all collections nationwide. In this episode, Tim explains what Estate Recovery is all about and what you can do to protect yourself.
2023-08-0526 minThe Life and Legacy ShowTop Ten Reasons Estate Plans Fail (Part 2)In last week's episode, Tim explained 5 reasons why estate plans fail. In this week's show, Tim gives 5 more issues to look out for. If you want your estate plan to work, this is great info. Enjoy.
2023-07-1526 minThe Life and Legacy ShowTop Ten Reasons Estate Plans Fail (Part 1)One of the benefits of doing proper estate planning is to reduce stress for yourself and your family. But when plans fail, it can create a real nightmare instead. In this episode, Tim explains some very common estate planning mistakes that can result in big problems.
2023-07-0826 minThe Life and Legacy ShowThomas Jefferson's WillIf you can write the Declaration of Independence, you should be able to write a will, right? Well, yeah, kind of. Hindsight is 20/20 and in this episode Tim examines the wills of Thomas Jefferson and Benjamin Franklin and finds some surprising commonalities with how we still plan today.Happy Independence Day
2023-07-0126 minThe Life and Legacy ShowAll You Need To Know About LIFEThis week, Tim is joined by Emily Stumpner of Life Butler County. They discuss one of the best-kept secrets in long term care.... the LIFE program.This is the best way for a senior to stay in their home, rather than go to a nursing home. To learn all about the program, it's benefits, and how to become eligible... check out this week's episode.
2023-05-2026 minThe Life and Legacy ShowGetting To The Truth About Elder LawIn your search for the best estate plan, you have to wade through tons of information. In this episode, Tim separates the Truth from the lies and the opinions. There are many opinions. There is only one Truth and the best decisions are made based on an understanding of what is True.In this episode, you'll learn some of the harsh truths facing seniors. You'll also learn how to protect yourself. This episode is for those who prefer to live hand in hand with Truth.
2023-04-2226 minThe Life and Legacy ShowThe Three Lands of Estate PlanningOne of the reasons people get confused about estate planning is that laws are often contradictory. Tax law may say one thing... long-term care law may say the opposite. In this episode, Tim discusses the 3 Lands of Estate Planning that you need to understand in the estate planning process:Estate Planning LandTax LandLong-term Care Land*Credit to my great friend and brilliant lawyer, Jeff Bellomo
2023-04-1526 minThe Life and Legacy ShowThe Good, Bad and Ugly of Beneficiary DesignationsIt is more than likely that you currently own an asset with beneficiary designations. Is that a good idea?In this episode, Tim tackles some misconceptions about beneficiary designations. He discusses where beneficiary designations help and when they should be avoided. It's a good listen for you and your financial advisor.
2023-04-0826 minThe Life and Legacy ShowLife Insurance Discussion with Ben Rovee of Strategic Financial DesignsIn this week's episode, Tim is joined by Ben Rovee of Strategic Financial Designs. Ben does a great job of providing a simple explanation of the different types of life insurance plans you could consider. Valuable info regardless of your stage of life. Thanks for joining us Ben!
2023-04-0126 minThe Life and Legacy ShowMemory Planning With Robyn!!On this show we frequently discuss planning for financially valuable assets. But what about the photos and videos on your phone? What about the memories in your mind. Have you given any thought to how we can transfer these valuable intangibles to the next generation?On this episode, Tim is joined by his wife, Robyn Sechler, to discuss the memory planning framework she has created to help you tell your story the right way!It's a great episode. Check it out.
2023-03-1126 minThe Life and Legacy ShowSetting Your Kids Up For SuccessOne of the things our clients always say is "I don't want to be a burden on my kids." We get it. In this episode, Tim gives 5 tips for how to plan well, reduce stress, and set your kids up for success.
2023-03-0426 minThe Life and Legacy ShowLLS 1.14.23 The Criteria for a Successful Estate PlanDo you have an estate plan? Is it a good one? How would you know? In this episode, Tim discusses his criteria for a successful estate plan. If you've thought about doing some estate planning this year, this episode is a great start.
2023-01-1426 minThe Life and Legacy ShowNew Year's MessageIt's New Year's Eve and that is a time for reflection and planning. Did you know that many people mark "getting my affairs in order" as one of their top resolutions?If it has been a while since you have updated your estate plan (or if you never have planned), Tim explains how to get started with the creation of a custom plan just for you.
2022-12-3126 minThe Life and Legacy ShowLessons Learned From Nat'l Lampoon's Christmas VacationNational Lampoon's Christmas Vacation is without a doubt the best Christmas movie ever made... and it's not even close. If you agree, you've probably watched this movie dozens of times like we have. In this fun episode, Tim discusses all the legal issues presented in the movie and how some could have been avoided. Great, fun episode.
2022-12-1026 minThe Life and Legacy ShowMom Is Starting To SlipThis time of year, families get together to spend time. For some families, these wonderful get-togethers will be a wake-up call. You'll realize that a senior member of your family is starting to slip from a cognitive standpoint. She'll tell the same story 3 times. She'll have trouble recalling a name or a past event. She'll have trouble following a conversation. These are indicators it may be time to have some difficult conversations. In this episode, Tim provides some handy tips on how to have these conversations.
2022-12-0326 minThe Life and Legacy ShowHappy Veterans Day!In this episode, Tim takes a minute to celebrate Veterans Day by explaining a few programs that Veterans should know about. First, we discuss the Camp Lejeune Act and how injured Vets can finally recover from the government. Second, Tim discusses a little-known benefit known as Aid and Attendance benefits, which allows wartime veterans to receive money for long-term care.
2022-11-1226 minThe Life and Legacy ShowMore Medicaid Questions AnsweredIn response to questions we received following our recent Medicaid episode, Tim gets back to the basics in this episode to explain the eligibility rules for Medicaid to pay a nursing home. The episode is essentially a class on what you need to know about Medicaid. A great listen for anyone caring for a loved one.
2022-11-0526 minThe Life and Legacy ShowThe Role Of The ExecutorThere is so much confusion about the role of the executor. What happens if there is no will? How do I get sworn in? What are my duties? How long does it take? Should I get help?In this episode, Tim discusses the role of the executor and the process of administering an estate in PA. This is an extremely informational show if you currently serving as an executor or if you may need to in the future.
2022-10-2926 minThe Life and Legacy ShowAvoid These Elder Law MistakesIf you or a loved one ever need a nursing home, you need to be prepared that it will likely cost hundreds of thousands of dollars.The only government agency that will help you pay is Medicaid. But Medicaid has harsh eligibility rules. Within those rules, there are some opportunities and pitfalls. In this episode, Tim shares a few insights on how to protect yourself and your family.
2022-10-0826 minThe Life and Legacy ShowJosh Nelson Discusses Proper PlanningOn this episode, Tim interviews Attorney Josh Nelson, owner of Nelson Elder Care Law in Georgia. Tim and Josh discuss what makes elder law attorneys unique and why it's the only type of estate plan you should consider. This episode has great information on how to protect your family, savings and legacy. Enjoy.
2022-10-0125 minThe Life and Legacy ShowPublic Service Announcement: ERTC and Camp LejeuneAt the Sechler Law Firm, we have recently become involved with two opportunities that may allow you to get some much needed money from the government coffers.First is the Employee Retention Tax Credit which is a misunderstood opportunity for employers. If you own a company or are in a leadership position, you need to know about this credit. It could mean up to $26,000 for each employee!!Second is the Camp Lejeune Justice Act which allows residents of Camp Lejeune between 1953 and 1987 to file a claim against the U.S. Government as a result of yo...
2022-09-2426 minThe Life and Legacy Show10 Planning Opportunities After a Nursing Home AdmissionFar too often, when a family admits a loved one to a nursing home, they assume it is too late to plan to protect assets. This is wrong! There are still dozens of opportunities that could make sense. In this episode, Tim explains 10 different opportunities to plan even after a nursing home admission.So how would you know which option is right for you? You won't. It's too darn complicated. Give us a call today and we can map out your best options.
2022-09-1026 minThe Life and Legacy ShowBusiness Owners Get Up To $26,000 Per EmployeeBusiness Owners - You likely overpaid your taxes in 2020 and 2021. Every quarter, you file a 941 Quarterly Employer tax return. In 2020 and 2021 there was a credit against these taxes that most employers failed to take. It is time to amend your 941s and request a refund for the taxes you overpaid.In this episode, Tim is joined by Sam Brotman, the owner of Brotman Law Firm in San Diego. He's a tax attorney who will explain to you how you can get your money back!
2022-09-0326 minThe Life and Legacy ShowWhy We Do ThisIn this episode, Tim shares a couple of stories that show the importance of doing asset protection work. He shares how planning ahead for long-term care can protect your home and savings. He also shares an example of a "crisis" case where you protect significant money even after a nursing home admission.
2022-08-2726 minThe Life and Legacy ShowSpecial Guest Todd Wesche Discusses Veterans' BenefitsIf you are a veteran or know a veteran, this episode is for you. Tim interviews fellow attorney, Todd Wesche, of Vetus Legal, a law firm helping veterans nationwide get the benefits they deserve. Tim and Todd, both veterans themselves, discuss the challenges in working with the Veterans Administration. Todd has some very helpful tips for any veteran who may suspect they have a service-related disability. Please share this important episode with all the veterans in your life!
2022-08-0626 minThe Life and Legacy ShowHow To Protect Your House From Long Term CareShould I give my house to my kids? Will I lose my house if I go to the nursing home?What are the rules? How Do I Decide?In this episode, Tim discusses one of the most common questions we get - How Should I Best Plan For My House?Listening to this episode may save you hundreds of thousands of dollars. Let's get to it!
2022-07-3026 minThe Life and Legacy ShowHow Will You Be Remembered?What is your legacy? Is it the financial inheritance you will leave to others? Is it the keepsakes you pass on? Is it your life's story; all the good and the bad? In this episode, Tim asks a question that has been bugging him for weeks. He also discusses how to leave a positive legacy that will be remembered by future generations. THIS IS A GREAT SHOW.
2022-07-2326 minThe Life and Legacy ShowWhat Pennsylvania Did and Didn't Fix For SeniorsIn early July, the PA legislature passed a budget that was subsequently signed by Gov Wolf. In this budget, there are great increases in funds going to long-term care facilities. This is a big, nonpartisan, win for nursing homes, their employees, and their residents. But no one in the government is actively trying to improve the biggest problem for seniors - the requirement that they go broke before they get care help. Listen to this episode to learn Tim's take on the truth about the positive steps forward and the work left to be done to f...
2022-07-1626 minThe Life and Legacy ShowBusiness Exit Planning With Attorney Marcy SmoreyThis episode is full of useful information for business owners looking to transition out of their business in the next few years. Tim is joined by attorney Marcy Smorey who has some great tips for business owners to consider in anticipation of selling their business. If you're a business owner, this episode is full of great information.
2022-07-0926 minThe Life and Legacy ShowPennsylvania's Nursing Home Crisis and How to Protect YourselfMedicaid requires you to go broke in a nursing home before they help you pay for care. After that happens you go on Medicaid. However, Pennsylvania's nursing home owners are claiming they are not paid enough by the state. They're concerned they may have to close some facilities due to poor finances.With Baby Boomers becoming seniors and needing care, this is a crisis that needs to be addressed. In this episode, Tim gives you some thoughts on how to protect yourself.
2022-06-2526 minThe Life and Legacy ShowInterview with Keith ColonnaIn this episode, Tim chats with financial advisor, Keith Colonna, of Morgan Stanley. Keith shares some of his core beliefs around investing and shares some market analysis. They also discuss the intersection of financial advice and estate planning and why your professional advisors need to work together to accomplish your goals.
2022-06-1826 minThe Life and Legacy ShowMemorial Day and the Old .45In this episode Tim talks about what Memorial Day means to him as a veteran. He shares a powerful family story about service in the military and how that story has impacted his career. This is a great episode on the importance of family stories as part of your overall estate plan.
2022-05-2826 minThe Life and Legacy ShowWhat Is Medicaid Spend DownWhat the heck is Medicaid Spend Down and how do you do it correctly?In this episode Tim tackles the notion that Spending Down is a wise strategy. He also gives a few tips on what you can and can't do. If you have a loved one in the nursing home (or who may be soon), this is a good episode to check out.
2022-05-1426 minThe Life and Legacy ShowRevocable Trust or Irrevocable Trust? That Is The QuestionWhen people attend our estate planning workshops, the most common question we get is whether they should use a revocable trust or an irrevocable trust. It's a great question.The answer depends on your goals. Do you want to avoid probate? Do you want to protect assets from the nursing home? In this episode Tim explains the differences between these tools and lets you know which one may be for you. Hint: it's probably not what you think.
2022-05-0726 minThe Life and Legacy ShowAdvisor Spotlight with Brian Eagon and Tim SeaboltThis week Tim is joined by a financial advisory duo, Brian Eagon and Tim Seabolt. Brian and Tim are Morgan Stanley advisors with tons of experience. During the show you'll learn about how financial advisors and estate planners work together to protect you, your finances and your family. This is a great episode to listen to if you need to get your financial house in order. Check it out.
2022-04-3026 minThe Life and Legacy ShowWhat Is Elder Law And Why Should You CareWe're sometimes asked, "what is elder law, anyway?" Well, there are some complicated answers to that question. In this episode Tim discusses some of the realities and also the misconceptions about elder law. The goal of this episode is to help you understand if working for an elder law attorney is right for you. Check it out!
2022-04-2326 minThe Life and Legacy ShowInterview with Brian Pitell of BPG planningIn this episode, Tim interviews another member of our network of trusted advisors. Brian Pitell is the founder of BPG Planning. During this episode, Tim and Brian chat about the value of working with qualified advisors as part of your financial and estate planning team. Brian's philosophy involves truly understanding a client's goal prior to giving advice. This episode is great for getting tips on whether to know if you are working with a committed financial planner.
2022-04-0926 minThe Life and Legacy ShowNursing Home Do's and Don'tsA nursing home admission is a stressful time. There's typically some guilt on the person who made the placement decision. This impacts family relationships, often in a quick and unexpected way. On top of all the emotion, there are also complicated legal and financial decisions that need to be made. The nursing home staff gives you lots of information and options and you really have no idea what to do next.In this episode, Tim gives you several things to watch out for during this process.
2022-04-0226 minThe Life and Legacy ShowThe Only Certainties are Death and TaxesIt's been said that the only certainties in life are death and taxes. These two certainties are more related than you may think. In this episode, Tim discusses the various taxes that result from someone passing away. Listen in to learn how to avoid major tax mistakes!
2022-03-2626 minThe Life and Legacy ShowLIFE Program Update with Jan RodgersIn this episode, Tim is joined by LIFE Butler County's own Jan Rodgers. She discusses this most unique benefit that all seniors should know. Get care in your community rather than in a nursing home. And here's the best part... the government will pay for it if you know the rules!
2022-03-1926 minThe Life and Legacy ShowThe Stages We Go ThroughIn this episode, Tim reflects on the various stage families go through during their journey. He discusses the commonalities and differences in estate plans that are completed by young families and older clients. Whether you are 20 years old with your first child or 80 years old with great-grandkids, there is something to learn in this episode. Enjoy!
2022-03-1226 minThe Life and Legacy ShowWhat You Need To Know About Estate Administration With Attorney Amy ReesHave you ever wondered about what happens from a legal standpoint when someone passes away? In this episode, Attorney Amy Rees joins Tim to share the timeline and what to expect during this process. Attorney Rees is Sechler Law Firm's Managing Attorney for our Estate Planning and Estate Administration departments. This episode is full of useful info!
2022-02-1926 minThe Life and Legacy ShowPowerful Powers of AttorneyDo you have a Power of Attorney document? No? You probably should. Yes? You should probably read it to see if it is any good. In this episode, Attorney Tim Sechler discusses the things you should know about having a Power of Attorney.
2022-01-2926 minThe Life and Legacy ShowMaking the Case For Asset Protection TrustsMost of our estate planning clients have the same goals:1. Get it to our kids as easily as possible2. Maintain control of my money3. Protecting my money and home from taxes and long term care expenses.What if there was a trust that can allow you to do all three of these things easily?In this episode, Tim takes a deep dive into a tool called an Asset Protection trust. He explains how it works and why people use them. Is it the right plan for you? Listen into find out. ...
2022-01-1526 minThe Life and Legacy ShowThe 5 Reasons Estate Plans FailWhat's the difference between a will and an estate plan? Why do most "plans" fail? In this episode, Tim discusses the top 5 reasons most estate plans fail. Listen in to find out how to protect your family from future problems.
2022-01-0826 minThe Life and Legacy ShowWhat the heck is a NFT? Planning for Digital Assets.Happy New Years! This time of the year is great to reflect on the prior year and plan for the coming year. In this episode, Tim gives some thoughts on how to plan for your digital assets, as well as your physical ones. Also, we share our theory on what will be the biggest change in 2022 . What the heck is a NFT anyhow? Learn the basics (very very basic) here.
2022-01-0126 minThe Life and Legacy ShowCounting (and Preserving) Your BlessingsMerry Christmas! This time of year it's common for folks to take some time and just feel grateful for all the blessings we've been given. It's a time to slow down and just take in the small moments... like a child opening a gift or singing in a church Christmas show. In this episode, Tim discusses how to preserve a legacy for your kids long after you're gone.
2021-12-2526 minThe Life and Legacy ShowWhere Are You Going To Live & How Are You Going To Pay?The senior living landscape is a complicated one. There are different levels of care available at different types of facilities. Each type of facility accepts different payment sources. All of this will impact how you receive your care and how much it costs. It's confusing to say the least. In this episode, Tim discusses your different care options and how you can get the government to help pay for some of it. A good listen if you're trying to understand the long term care system.
2021-12-1826 minThe Life and Legacy ShowRecord Your Parents' Stories For ChristmasI never met my grandfather. He died very young. If I had the chance, though, there are lots of questions I would want to ask him. Where did you grow up? What was it like there? Tell me about your relationships with your siblings. How did you feel the first time you saw my grandma? How did you meet?I think it's natural that anyone would want to know the answers to these questions about their relatives. So, then, isn't it natural that our kids, grandkids and great-grandkids would want to know the same things about us?
2021-12-0426 minThe Life and Legacy ShowInterview with Deanna Guarnaccio of LIFEPittsburghIn this episode Tim discusses the LIFE program with LIFEPittsburgh's Deanna Guarnaccio. LIFEPittsburgh is one of several local LIFE program providers. They work to provide seniors with customized care with the aim of keeping people at home, rather than an institutional setting. Deanna discusses many of the services they provide, how the application process works and who may be eligible.The LIFE program is a fantastic opportunity for many seniors who may need care. Listen to this episode to find out if LIFE is right for your family.
2021-11-2026 minThe Life and Legacy ShowInterview with Jeff Bellomo - Estate & Elder Law AttorneyThis week, Tim is joined by a fantastic friend and attorney, Jeff Bellomo. Jeff's practice in York, PA is very similar to the Sechler Law Firm in that it we see the same types of clients. For our previous listeners, you'll find a ton of value in the way Tim and Jeff simplify some very complex issues. For newcomers, get ready for a great session on how to get started creating a successful estate plan for you family.
2021-10-3026 minThe Life and Legacy ShowOpen Enrollment With MediconnectMedicare open enrollment begins October 15th which means it is time to consider whether you are in the right Medicare plan. There are big changes coming for 2022. On this episode, Tim is joined by Sean Horn from Mediconnect, one of the region's largest independent insurance brokerages. Long story short, these guys know their stuff. Listen to this episode to learn all about how to best plan for your family
2021-10-0726 minThe Life and Legacy ShowLegal Advice From The Guys At McDonaldsPicture a McDonalds at 7AM. You can smell the hashbrowns and coffee, right? You see the table of the older fellows sitting in the corner? You know what they're talking about every Tuesday morning - giving their house/savings to their kids. Why do people do this? If you read a newspaper realty transfer section, you'll see transactions by people giving their home to their child. Why?There are two reasons people do this: 1. the perception that they can save taxes2. to protect the house from the nursing homeIn this episode...
2021-08-2826 minThe Life and Legacy ShowIrrevocable Trust Questions & a Medicaid StoryAt the Sechler Law Firm, we get questions daily on whether trusts are a good option. The thing to understand is that trusts can be a very flexible and effective tool. The decision on whether to use a tool begins first with you determining your goals. Once you know where you want to go, we can help you decide if the trust can help you get there. In this week's episode, Tim talks about what the word "irrevocable" really means - and it's not what you think. Also Tim shares a sad Nursing Home story to help you av...
2021-08-1426 minThe Life and Legacy ShowLeave a Legacy MonthAugust is Leave a Legacy Month! On this episode Tim gives tips on how to make sure your financial legacy gets to your family, rather than the government. Also on this week's podcast, Tim is joined by his lovely wife, Robyn. Robyn Sechler is the founder of Securing Memories, LLC, a company dedicated to helping you create and manage your digital legacy. She discusses good tips for how to leave creative video messages and stories for your family. She also discusses how she and her team are doing live in person interviews with her clients to help creat...
2021-08-0725 minThe Life and Legacy ShowEnd of Life Decision MakingOn the show Tim often discusses assets like houses, financial accounts and IRAs. In this week's episode, Tim chat's about something that most of us find a little more challenging to discuss - end of life decision making. Do you have a Living Will? If not, why? If so, what does it say? If you want to know what quality end of life planning looks like, check out this episode.
2021-07-2426 minThe Life and Legacy ShowNo, Medicare Doesn't Pay. Medicaid Is The Answer.Many people are of the opinion that Medicare is sufficient to cover their health care issues during their retirement years. The problem is that Medicare doesn't pay for the single biggest expense seniors face: long term care. In this episode, Tim discusses Medicare v. Medicaid. He also explains how you can gain Medicaid eligibility, even after a nursing home admission.
2021-07-1726 minThe Life and Legacy ShowFinancial Advisor v. Estate Planner v. Elder Law Attorney - Who does what?Most retirees know they need to do "some planning". But what does that mean? Does it mean retirement planning? Does it mean leaving a legacy to the kids? Does it mean protecting assets from long term care? A good plan incorporates all three of these ideas. So who do you turn to? In this episode, Certified Elder Law Attorney Tim Sechler discusses the different roles of financial advisors and lawyers. He also breaks down the difference between effective traditional estate planning and elder law. A great listen for anyone who knows they need to do "so...
2021-07-0926 minThe Life and Legacy ShowIndependence Day MessageEach July 4th we celebrate the signing of the Declaration of Independence. The audacity of the people who signed this document is astounding. They were basically daring the most powerful military on the planet to come hunt them down. They were willing to take this risk in the name of freedom from tyranny and oppression. They wanted a better future. What about you? Do you want a better future? In this episode, Tim provides his take on some of the forces and laws that are working against Middle Class Americans. Are you ready to declare your independence of these...
2021-07-0326 minThe Life and Legacy ShowWhat Disney Movies Teach Us About Estate PlanningYes. You read that right. Disney movies must be written by estate planners. Think about it... what do Aladdin, Lion King, Tarzan, Frozen, Cinderella and Nemo all have in common? They all lost a parent at a young age!In this light-hearted episode, Tim discusses each of these movies and the estate planning take-aways that can help you plan for your kids. Here's a hint: You want to be the parents in Frozen, not the parents in Aladdin!
2021-05-2926 minThe Life and Legacy ShowThe Nursing Home Admission ProcessIf you have a loved one in the nursing home (or could soon), you should listen to this episode. Tim gives some words of caution and also identifies some opportunities that could help you get the care you need - without going broke in the process. You should think of an admission to a nursing home as a legal problem. If any other creditor was coming after you for over $11,000 per month, you'd probably call a lawyer. The nursing home situation is no different. These laws are complicated. Listen to this episode to find out how th...
2021-05-2226 minThe Life and Legacy ShowAre Beneficiary Designations Enough?You have beneficiary designations on financial accounts. We all do. But is a beneficiary designation sufficient to meed your estate planning goals? What criteria make up an effective estate plan for you? Have you thought about it?In this episode, Tim dispenses with the "common knowledge" that all you have to do is place a beneficiary designation on your accounts and everything will be easy. Listen in to find out how you can create a good estate plan for your family, rather than just scratching it off your to-do list.
2021-05-1526 minThe Life and Legacy ShowWhy our firm exists - which is also why you need to planThis week's episode, we hope, is a great motivator for you to take your estate planning seriously. Think of estate planning as though it is writing the last chapter of your personal book. You want to make sure your financial assets are secured and delivered to the right people. You want to make sure your assets work hard for your family, rather than the government. You want to make sure your family is protected.At the Sechler Law Firm, we hold the high honor of helping you tell your last chapter. We care about tellin...
2021-05-0126 minThe Life and Legacy ShowPlanning for Kids and Grandmas...Our kids need help. Young kids need our help with education, finance, healthcare, morals, values, religion. Older kids - your adult kids- need different kinds of help. They may need financial support. Advice on grown up decision making. Sometimes they need help protecting themselves from issues like creditors or divorces.Proper estate planning can transition to meet your kids' needs as they grow. We can't predict when bad things may happen in our families. So, then, an estate plan has to be flexible and anticipate todays problems as well as tomorrow's problems.This episode...
2021-04-1026 minThe Life and Legacy ShowDeath & TaxesThey say the only things that are certain are death and taxes. Unfortunately, they also occur at the same time.Death taxes cause tons of confusion amongst people wanting to do estate planning. It is also one of the easiest issues to screw up.Listen to this week's episode to get Tim's take on how death taxes really work.
2021-03-2726 minThe Life and Legacy ShowDo I need a Will or a Trust?In this episode, Tim tackles some of the most common estate planning questions we get at the firm. The most common question of all: "Should we use a will or a trust?".Tim takes a dive into some of the pro's & cons of these tools in a very informative episode. Enjoy.
2021-03-2026 minThe Life and Legacy ShowWhy Didn't Anyone Tell UsA Nursing Home Admission is a confusing time. Often times families get no advice, or worse, they get bad advice. Nursing homes in PA cost over $11,000 per month. As a result, the stakes are high if you make mistakes. The admission of a loved one to a nursing home is a legal problem. Don't rely on what you hear from friends, neighbors or the nursing home billing office. Don't even rely on what the Medicaid office tells you. You need a lawyer.In this episode Tim discusses a couple of ways to plan and a f...
2021-03-1326 minThe Life and Legacy ShowAn Interview with Apryl Garrett of Seniors Blue BookSeniors Blue Book is an amazing resource for seniors and their families. As people age they are going to need new services - social support, in-home care, residential care. How do you find out your options? The Seniors Blue Book is the area's best resource to find out about the services available to you. Apryl Garrett, who runs Pittsburgh's Seniors Blue Book, joins Tim in this episode to talk all about the book and the different resources available to you.
2021-03-0626 minThe Life and Legacy ShowA Lawyer Looks At Wedding VowsIn this episode with a Valentines Day Theme, Tim discusses the promises we make in marriage and with other family members. To have and to hold, in sickness and in health - This isn't just a tagline. It's a promise. It's one we need to keep. Tim will teach you how.Tim is also joined by his lovely wife, Robyn with some ideas on how to have a great Valentines Date at home. Great episode!
2021-01-3025 minThe Life and Legacy Show4 Calls From Clients; 4 Lessons For YouTim is talking elder law this week. He shares some recent situations he's encountered with families who have called his office. Through misinformation, bad information or just plain bad luck, these families have missed opportunities to save their homes or other savings from long term care costs. Don't let the same thing happen in your family!Tim uses these situations to explain some concepts to help you learn a few valuable lessons about how to protect your family. Great Families Make Great Plans. You have a great family. Listen to this episode to learn how to mak...
2021-01-2326 minThe Life and Legacy ShowElder Law FAQsHave questions about elder law?Want to know how Medicaid works to pay for the nursing home?Want to know about the 5 year look back period?Should you give your house to your kids?Should I have a trust?Tim tackles these and several other frequently asked elder law questions. This episode is packed with helpful info. Don't miss it... this episode might save your home. Really. Don't miss it.
2021-01-0926 minThe Life and Legacy ShowNew Year's Resolution - Take The Life & Legacy CourseThere are many reasons that people place estate planning on the back burner. Among the top reasons are initial consultation fees and not wanting to take time off of work to go see a lawyer.Lawyer's don't always make it easy to accomplish your goals. At the Sechler Law Firm, we have been working for months to make it easy for you to get the education you want and the documents you need. We created an online education system where you can watch a series of videos and answer some simple questions. Then we follow up wi...
2021-01-0125 minThe Life and Legacy ShowUpon My DemiseOn this episode, Tim is joined again by his lovely wife, Robyn. They talk about their prior week, which has been a giant WAKEUP CALL regarding the importance of proper estate planning. The impact of a family member sick with COVID 19 and Tim recovering undergoing surgery has the Sechler family thinking and talking about how best to plan for a family.Learn about necessary updates to your Living Will as a result of the pandemic. Also learn about Robyn's new book: How To Change The Lightbulbs When I'm Gone, and how it can help you ensure your fam...
2020-12-2226 minThe Life and Legacy ShowOnline Life & Legacy Course - Special DiscountHave you been putting off competing your estate plan because 1) you don't want to take time away from work and pay initial consultation fees to see a lawyer and 2) you don't trust the online forms?The Sechler Law Firm has a new solution for you. We are launching our proprietary Life & Legacy Course. It's an online course where you get all the estate planning education you need Then, we offer you a FREE Zoom meeting with one of our lawyers to complete the plan. It's simple. It's easy. And if you act fast... it's CHEAP. I'm offering a 33% d...
2020-12-1226 minThe Life and Legacy ShowThings ChangeIn this episode, Tim talks about spending time with family around the holidays and how it is a good time to realize that sometimes things change. Family circumstances change. Laws change. Your estate plan needs to change too. Tim gives a couple of ideas on when & why you may want to update your plan.
2020-12-0526 minThe Life and Legacy ShowMedicaid Planning - Now or Later?In this episode, Elder Law Attorney Tim Sechler discusses the two ways to plan for Medicaid:1. Plan Ahead, or 2. Deal with the financial crisis later. If you have a loved one In a nursing home, don't listen to what the others say. It Is not too late to plan. You can still protect assets. Listen to this episode to learn about how elder law attorneys help their clients.
2020-11-2826 minThe Life and Legacy ShowSecuring MemoriesIn this episode, Tim has a conversation with his lovely wife, Robyn. The chat about her business, which Is called Securing Memories. She Is devoted to helping people tell, capture and store photos and videos for future generations. This episode Is full of great Ideas for how to plan for your digital assets similarly to how you plan with your financial assets.
2020-11-2126 minThe Life and Legacy ShowChurching during a pandemic with Pastor Ron BrownIn this episode, Tim interviews Pastor Ron Brown of Hope Lutheran Church in Cranberry Township, PA. Pastor Brown tells you all about Hope Lutheran and how the Church has managed to thrive even though most of the members haven't been there in-person in months.Join Tim and Pastor Brown for a discussion on how Church, like many other aspects of life, are having to adapt in order to keep moving forward.
2020-10-2225 minThe Life and Legacy ShowThe 4 Things Everyone WantsIn this episode, Attorney Tim discusses the 4 things he sees In his practice that all his retiree and senior clients want. Here they are:1. They want to maintain control2. They want to NOT go broke3. They want access to good care when they need It, and 4. They want their family to get the leftovers when they die. Seems simple enough right? Well, thanks to our complicated government rules, these simple goals can be hard to achieve. Check out this show to hear Tim's thoughts on how to get accomplish these common goals.
2020-10-1725 minThe Life and Legacy ShowMediconnect Joins The ShowThe weather is getting cooler. The leaves are starting to change. The kids are back in school (Ok, well some are). This can only mean one thing........ It's Medicare open enrollment season!On this episode, Tim speaks with Sean Horn of Mediconnect. Mediconnect Is the region's largest Medicare concierge service. They help you navigate the various Medicare Advantage plan options to make sure you have the plan that fits your needs. Best part... their service doesn't cost you a dime.
2020-10-0725 minThe Life and Legacy ShowMaking The Rules Work For YouIn this episode Tim shares his Ideas about how to make the government's crazy rule book work for you. Creating an estate plan Is like creating your own rule book. Don't leave your family subject to someone else's agenda. Let's plan for your family!
2020-10-0326 minThe Life and Legacy ShowAvoid These Nursing Home Medicaid MistakesIn this week's episode, Attorney Tim Sechler discusses common nursing home Medicaid mistakes. He gives you his thoughts on how to not make mistakes with your family's hard-earned savings. Tim discusses a few common mistakes Involving gifts to your kids and the 5-year lookback period. If you are concerned about nursing home costs... this episode Is a must-listen
2020-09-2626 minThe Life and Legacy ShowPlanning For Disabled Family MembersDo you have a disabled child or grandchild? If so, you likely want to assist them financially without the risk of them losing their public benefits. In this episode, Tim discusses planning for family members with disabilities. We'll distinguish First-Party v. Third-Party special needs trusts. Tim will discuss different planning strategies. He also gives you his thoughts on who to name as a trustee. If you have a disabled family member... you should check this episode out.
2020-09-1926 minThe Life and Legacy ShowGet It Off The Back BurnerIn this Episode Tim talks about the responsibility we all have to plan for our families. You don't work your whole life to raise kids and save money to have It all destroyed by an accident or Illness. Take the responsibility today to plan for life's curveballs. Tim shares some hard-earned lessons learned from a decade of guiding families through difficult situations.
2020-09-1125 minThe Life and Legacy ShowThe Problem With Online WillsIn this episode Tim discusses the problems with online will preparation services. He shares some experiences of how saving a few bucks on an online will ended up costing the family dearly. That said, we've all recently gotten used to accomplishing a lot from the comfort of our own homes, and estate planning doesn't have to be any different. Tim share his new launch of his online estate planning course that Is designed to help you get your own lawyer prepared In a super easy fashion. No more procrastination! Let's get your planning completed right now.
2020-09-0525 minThe Life and Legacy ShowThe 5 Year Lookback Period ExplainedWhen It comes to elder law, nothing causes more confusion than the 5-year lookback period. People are sooooo confused. Can I give my stuff away? Should I put my house In my kids name? What happens If I need the nursing home? Should I consider a trust?In this episode, Certified Elder Law Attorney Tim Sechler explains these Issues and more.
2020-08-2925 minThe Life and Legacy ShowDebunking Nursing Home Medicaid MythsHave you heard that If you need Medicaid to pay for the nursing home, you'll get poor care? Nope. Not true!Have you heard that you have to go broke to get Medicaid to pay for your care?Nope. Not true!Have you heard that you can't do anything to protect assets because of the 5 Year Lookback Period? Nope. Not True!Have you heard that you have to lose your house If you go to a nursing home?Well... sometimes true.In this episode, elder law attorney Tim Sechler discusses Med...
2020-08-1526 minThe Life and Legacy ShowControl And Access - The Name of the Estate Planning GameAll to often we think about the solutions without fully understanding the planning. This happens all the time In our lives and estate planning Is no different. A common estate planning question Is do I need a Will or a Trust? In this episode Pennsylvania Estate Planning attorney Tim Sechler takes a deeper dive on some basic Issues you need to understand before answering the question.What happens If you get sick? Who Is In control? What happens If you pass away - who Is In control then? Who gets your stuff; your family, the nursing home, the ta...
2020-08-0126 minThe Life and Legacy ShowThe Life Program - RevisitedIn this episode, Attorney Tim Sechler Interviews Jan Rodgers of LIFE Butler County. Jan Is a wealth of Information about how the LIFE program can work for you. In a previous episode, Tim discussed the LIFE program. We received so many calls from people looking to learn more, that we went straight to the source. Jan and Tim discuss how the LIFE program can keep you In your home rather than a nursing home. Learn the benefits and also how you can have the government help pay for your care. Also, you'll learn the details of a free upcoming LIFE W...
2020-07-3026 minThe Life and Legacy ShowProtecting Your House From The Nursing HomeIn this Episode, Attorney Tim Sechler discusses one of the most common elder law issues: how to protect your house and savings from long term care expenses. Tim will discuss the 3 mistakes families make when they give the house to their kids. He'll also explain how you can use a trust to protect assets without giving up control. This episode is full of useful information for Baby Boomers and Seniors looking to protect their savings.
2020-07-1826 minThe Life and Legacy ShowThe Life Program - Great Program for SeniorsIn this episode, Tim Sechler discusses the LIFE program. The Life Program stands for Living Independently For the Elderly. It Is one of the best-kept secrets In long-term care options. The program allows for seniors to stay In their home, rather than enter a nursing home. The LIFE program has Adult Day facilities and can be paid for by Medicaid. If you are trying to figure out how to keep your senior family member at home, check out this episode. The LIFE program could be a game changer for your family.
2020-07-1125 minThe Life and Legacy ShowOur Chief Happiness OfficerIn this episode, Tim Sechler interviews Nicky Voynick, the firm's Case Manager. Nicky's job at the Sechler Law Firm is to assist families through the planning process. During the episode, Tim and Nicky discuss the workshops and the planning process. We discuss what happens in the initial consultation and the meetings afterward. Need an estate plan? This episode teaches you the easiest way to make that happen!
2020-07-0426 minThe Life and Legacy ShowPlanning With IRAs After The Secure ActThe Secure Act, which became effective January 1, 2020, dramatically changes the way you should think about your IRA. In this episode, Tim Sechler from the Sechler Law Firm discusses the loss of "IRA Stretch" and how the Secure Act has become the "New Death Tax for the Middle Class." Learn about the new planning paradigm and a few planning strategies. Tim discusses leaving your IRA to a trust, Roth conversions and tax planning. Estate planning isn't as simple as it used to be. Listen to this episode to discover how this new law impacts your retirement and w...
2020-06-2726 minThe Life and Legacy ShowWhy We Do ThisShow discusses Attorney Tim Sechler's personal story about why he practices elder law. We answer the question "What Is elder law?". Tim discusses the firm's philosophy when It comes to estate planning and why other attorneys are missing the opportunity to help their clients.
2020-06-2326 min