Elder Law & Estate Planning Radio Interviews

Proud to be Live on 105.9 FM with Bill Osborne

Paul Hamilton, Esq.

Founder of Hamilton Trust, Estate & Elder Law, Paul is a lifelong learner dedicated to simplifying estate planning and elder law through education, helping families navigate life’s unpredictable changes with peace of mind.

Radio Interview (December 22, 2022)

Transcript

Bill Osborne
Well, good morning. Welcome. Back to the morning drive, just about 6 minutes after the 8:00 o’clock hour and coming in via phone today rather than in studio live, it’s Paul Hamilton. Paul, welcome to the show this morning.

Paul Hamilton
Good morning.

Bill Osborne
Hey, you know, kind of missing you in the freezing cold weather here, it’s not really freezing yet, but it’s going to be, I’ve got a heater and I’ve got a space heater in here.

Paul Hamilton
Ohh yeah yeah.

Bill Osborne
It’s that dang cold in here today.

Paul Hamilton
It yeah, it sucks. It’s reading 46. Here on my dashboard.

Bill Osborne
Yeah. Well, it’s. It’s supposed to be fairly mild today, but then, gosh, after the after the weather comes in tonight, it’s. Going to be bitter cold.

Paul Hamilton
Yeah, it really is. I hope everybody stays safe and stays warm and gets bundled up. I saw that the propane people came by and topped off my tank yesterday.

Bill Osborne
There you go.

Paul Hamilton
I didn’t like, I didn’t like the price tag, but I’m sure going to like the heat.

Bill Osborne
Yeah, exactly. I I. Did too. I think I I got. I just paid $97 or $98 dollars for about 20 something gallons. I think I can’t remember how much it was exactly.

Paul Hamilton
Yeah, you know the lady calls periodically with and you know, they’re smart. They know the cold weather’s coming up. Hey, you want to come top off your tank? I’m like, well, I think it’s full, but yeah, let’s come off and top it off. It turns out it was not full and so glad they came and so glad they were proactive about doing that for it.

Bill Osborne
That’s it. Hey, listen, joining us on the air is Paul Hamilton of Hamilton estate planning Hamilton Trust law. It kind of covers all of it, Paul. We always take some time to just talk about financial planning a little bit, but the estate planning is where you really, you know, put your specialization at. It’s one of those things people don’t like to necessarily talk about, but you always say it’s there’s two ways of doing things your way or the states way. It’s your call.

Paul Hamilton
That’s right. That’s right. There, you know. I asked people what rule book do you want us to draw up because, you know, you can always because the government has a plan for you. If you don’t have a plan, the government always has one waiting and ready to use for you. But that may not be favorable to you, and it may not be what you want. So, it behooves us all to design our own plan to do our own planning. And you know when folks are facing what we call a crisis situation, whether it’s a big hospital bill, you know, toward our later years or whether it’s the possibility of needing skilled nursing care in a nursing home. It doesn’t take long for that to deplete a lifetime of saving. So rather than being in a crisis mode where we’re trying to. Where we’re not able to protect everything. You know, there’s two ways of doing it. There’s crisis planning and then there’s preplanning. When people come in and preplanning, we’re able to protect all of their assets. But when we’re in a crisis situation, we don’t have that, that luxury of time and it winds up first creating a lot of stress and anxiety while you’re also dealing with health conditions and deterioration. Of cognitive abilities and whatnot, and you’re having to deal with financial stress. So, we help people do that and we love what we do. I have a great staff of three people that Teresa Sisco, Kristen Daugherty and Madison Trotter, and we just we love what we do and we’re really grateful that we get the help.

Bill Osborne
Yeah, you make a comment about, you know, doing one way the States and what you can set up some people kind of look at this and go well, I don’t, I’m not a wealthy person. I’m not rich. I don’t need to do all these things. Everybody, it’s protecting what you do have and it’s so important, even if you are, you know, the regular Joe. Talk a little bit about that; why it’s important and it’s not about how much money, but how you protect yourself.

Paul Hamilton
Yeah, you know. In some cases, you know if you don’t have a larger nest egg, it’s even more important to plan, right, because you feel the punch a lot harder when there’s less to go around. And I tell people all the time, you know, my job as a lawyer is to educate, give counsel, and advice. You have to decide what you need and what works for you. Not all about putting people into different types of things that they don’t want and don’t need. So, you know it’s not uncommon for someone that is a millionaire to say just give me a Will, that’s all I want. And it’s not uncommon with people less than that to say I want a Trust because I want this type of protection. So, I never get hooked on gearing my recommendations based on the amount of money you have or stuff you have. Because I’ve seen with my own eyes how the protection can help people from all walks of life.

Bill Osborne
Yeah, it is. And you do you talk about the passion for this and protecting people. It’s so important to you that you do this, you even have free workshops throughout the year. You got some coming up in January, you’re done for this year.

Paul Hamilton
We do.

Bill Osborne
This year but you got some coming up in January. Talk a little bit about those workshops.

Paul Hamilton
Yeah, yeah, yeah. In fact, yesterday was our last day in the Office for the Year 2022. We’ve had a really great year and are so grateful to our community for supporting us and letting us help them. So, we’re actually having a firm retreat today where we’re preparing for 2023 and then we’re going to take a much-deserved week off next week. The workshop we offer is my opportunity to get to know you and for you to get to know me and for us to share with you what we feel our red flag. Except we call it the seven threats to your estate plan because I want you to know what those red flags are. I want to share with you the law that’s important. I jokingly say that everybody thinks they know the law. And often that’s the guys at the coffee shop sitting around drinking coffee and the ladies at the barbershop talking about what they heard Aunt Francine did with her estate plan now. So, I jokingly say that, but we really get into the nitty gritty of what of the law you need to know and then we follow that up with a vision meeting where I meet with you one-on-one. And out of those things that we discussed, talk about what’s important to you because all those things that I raised in the workshop may or may not be important. We typically do those twice a month on the 2nd and 4th Tuesday and that is on January the 10th and January 24th coming up at 1:00 PM. People can go to the website, Hamiltontrust.law and click on the events tab and register for either of those workshops or they can give us a call at the office that’s also on the website and we can register you over the phone. Just ask that you register because we do have limited space.

Bill Osborne
Yeah, I also notice you have a Text Us feature on your website now. So, if you want to send a text you can do that, make the phone call or register or anything like that. As you said there’s no cost to the people to do this and that follow up meeting, that vision meeting is also included in that. And then you can set up that plan and then of course you your fees and things like that. But it’s so important that you take care of this. That’s why you do this.

Paul Hamilton
Yeah, yeah. You know, I love. I love sharing information, and my philosophy is to share the information. I want you to be armed with the information before I ask you to make the decision as to what type of planning you want to do.

Bill Osborne
And finally, we always talk about this. This is a time where families are getting together. This is the time where you want to, you know, talk to Mom and Dad or Mom and Dad, it’s time to talk to the kids about what you know, your healthcare directive looks like and what your plans are. And all these things talk about why it’s important now this time of year to take advantage of that time.

Paul Hamilton
What we see, Bill, is we see folks gathering for the holidays and sometimes unfortunately that means they start to notice that mom or dad or grandma or Granddad isn’t doing as well as they thought they were, you know, because we’re around each other a little bit more. I jokingly say sometimes we have a little too much togetherness. Right, but yeah. But so, we start to notice those things. So, you know, you know, if you if you notice that don’t wait. Because if you wait too long, they’re going to lose the power. If their cognitive abilities decline, they may not be competent enough to execute a power of attorney or an advanced healthcare directive, or to do any planning? So, I caution people not to put that off if they’re seeing those signs and it’s also a good time to talk about, hey, what mom and dad, what are your wishes? And have you have you done this type of planning and what not if opportunities exist for those types of conversations to come up.

Bill Osborne
Yeah, it is. And like I say it sometimes it might be a difficult subject to bring up, but a necessary one. And it doesn’t have to be around the Christmas tree, around the table for dinner. But while you’re getting together with family, it’s really imperative that you take advantage of that.

Paul Hamilton
Yes, absolutely.

Bill Osborne
Well, Paul, I appreciate all that you do. And I know people that have taken advantage of this and gotten that estate planning put together. You sleep a little better at night. You know that everything’s going to be OK and you feel much better about it. I hope that you and your family have a wonderful Merry Christmas. I know you and the kids are going to have a great time so yeah.

Paul Hamilton
Yes, we’re looking forward to it. In fact, I had someone that finished their plan yesterday and they decided to go ahead and divvy up part of the family farm and we prepared envelopes because that’s their Christmas present.

Bill Osborne
Oh wow.

Paul Hamilton
The Christmas present was land to her children and her estate planning being done and she was she was tickled.

Bill Osborne
And that’s a that’s a great present.

Paul Hamilton
Oh, yeah, so we, yeah, the kids, we’re the whole family. We’re really looking forward to spending some time together and I hope all of our listeners have a wonderful holiday and a wonderful, Merry Christmas and looking forward to talking to everybody in the new year.

Bill Osborne
That’s it, Paul. Thanks so much and Merry Christmas to you and your family as well.

Paul Hamilton
Thanks, Bill. You too. Take care.

Bill Osborne
Yeah, that’s it. Paul Hamilton, a Hamilton estate planning. Remember that website? It’s real easy. It’s Hamilton estate or excuse me, Hamiltontrust.law. Hamiltontrust.law and it’s real simple. The websites, easy to navigate as he said. The Events tab is where you can register for these free workshops. If you’ve got questions, some of our past audio we’ve actually got here on the on the page as well. So, if you want to listen to some of our previous interviews that we’ve done here on the air, got those sitting there as well. So go by the website Hamilton Trust dot law. All right, we’re going to take a quick break here on the morning drive. We’ll be right back. After this on 1059 W VGA.

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