If You Don’t Plan, You’re Stupid™

Episode Summary:  In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg dives into the complexities of handling mortgages when a homeowner passes away. Joined by host LeAnn Lyon, Andy clarifies common misconceptions about mortgage ownership and the probate process. They discuss the implications of having a mortgage in a will versus a trust, the Garn...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg joins host Leann Lyon to discuss the critical legal documents that form the foundation of a complete estate plan. Andrew emphasizes the importance of four key documents: a durable power of attorney, a healthcare surrogate, a living will, and a HIPAA release. He dispels common mis...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg joins host Leann Lyon to discuss the complexities of disinheriting family members in Florida. They explore the legal nuances of disinheriting adult children versus minor children, and the challenges of excluding a spouse without a pre- or post-nuptial agreement. Andrew emphasizes...

Episode Summary:  In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg discusses the critical role of estate planning in reducing stress and uncertainty about the future. Joined by host LeAnn Lyon, Andy explains how having a clear plan in place can alleviate anxiety and provide peace of mind for families. Through personal anecdotes and professional...

Episode Summary: In this episode of If You Don't Plan Your Stupid, Florida Estate Planning Attorney Andrew Rosenberg joins host Lisa Mosbey to explore the intricacies of the Ladybird deed, also known as an enhanced life estate deed. This tool is particularly useful in Florida for avoiding probate while maintaining control over one's home during their lifetime. Andy explains the differences between...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, host Lisa Mosbey and Florida estate planning attorney Andrew Rosenberg delve into the complexities of how Florida's Medicaid rules affect your primary residence. They discuss the general exemption of homestead property from Medicaid's asset recovery, the equity limits, and the importance of proper planning to avoid probate court...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg and host LeAnn Lyon delve into the complexities of Medicaid gifting penalties. They clarify common misconceptions about Medicaid and Medicare, emphasizing the importance of understanding the five-year look-back period for gifts under Florida's Medicaid rules. Andrew explains the...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg and host LeAnn Lyon explore the critical differences between revocable and irrevocable trusts. Andrew explains why most people in today's environment need a revocable trust, highlighting its flexibility and control advantages. He delves into the historical context of irrevocable...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg discusses the critical role of beneficiary designations in estate planning. Andrew explains how beneficiary designations can override wills and trusts, potentially leading to unintended consequences. He shares real-life examples of families facing disputes over assets due to over...

Episode Summary: In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andrew Rosenberg delves into the critical topic of asset titling and its impact on estate planning. Andrew explains the nuances of different ownership types, such as joint tenancy with rights of survivorship and tenancy in common, and how these can affect the distribution of assets after death. H...

Episode Summary: In this episode, Florida estate planning attorney Andrew Rosenberg dives into the crucial topic of funding your trust. He emphasizes the importance of not just creating a trust but also moving assets into it to ensure it functions as intended. From real estate to bank accounts and retirement funds, Andy explains the essential steps families need to take to avoid probate and secure...

Episode Summary: In this episode, Florida estate planning attorney Andrew Rosenberg discusses the complexities that arise when owning property in more than one state. He highlights how the titling of properties can impact estate planning and emphasizes the importance of proper planning to avoid probate complications and unnecessary costs. Key Timestamps: 00:00 – Introduction 02:15 – Challenges of...

Episode Summary: In this episode, Florida Estate Planning Attorney, Andy Rosenberg, discusses the importance of updating your estate plan after major life changes. From marriage and divorce to new children and relocations, Andy provides valuable insights on when and why it's crucial to review your estate plan regularly. He emphasizes the significance of staying proactive and prepared for any unfor...

Episode Summary:  In this episode of If You Don't Plan, You're Stupid, Florida estate planning attorney Andy Rosenberg sheds light on the complexities of handling debts after a loved one's passing. From distinguishing secured and unsecured debts to the importance of not rushing payments, Andy offers crucial advice on navigating the aftermath of a death in Florida. Key Timestamps: 00:00 – Introduct...

Episode Summary: In this episode, Florida State Planning Attorney delves into the pitfalls of using DIY online estate planning forms in Florida. While these templates offer a quick and cheap solution, they can lead to invalid and costly outcomes. The attorney highlights why customization and professional expertise are crucial for a robust estate plan. Key Timestamps: 00:00 – Introduction 01:30 – R...

Episode Summary:  In this episode, Florida Estate Planning Attorney Andrew Rosenberg discusses the importance of estate planning for small business owners. He explains the implications of not having a plan in place and how it can lead to complications, delays, and even business closure. Learn how estate planning can ensure the smooth continuation of a business and avoid probate issues. Key Timesta...

Episode Summary: In this follow-up to the previous episode on long-term care and Medicaid planning, Andy Rosenberg continues his deep dive into Florida’s Medicaid rules and strategies for protecting family assets. He explains how personal service contracts and Qualified Income Trusts (Miller Trusts) can help families meet Medicaid’s strict income and asset limits while minimizing tax consequences....

Episode Summary: In this insightful episode, Andy Rosenberg breaks down the complex and often misunderstood world of long-term care planning. He explains the staggering costs of nursing homes and assisted-living facilities, clarifies the differences between Medicare and Medicaid, and outlines practical strategies for protecting a family’s savings. Andy also discusses Florida’s unique Medicaid rule...

Summary: In this episode, Andy explains what to do after a loved one passes away. He walks families through both the emotional and legal steps they should take, including how to handle grieving, order death certificates, locate important estate planning documents, and contact Social Security. Andy also shares how his firm’s “Legacy Portal” helps families stay organized and avoid confusion during a...

Episode Summary: In this informative episode, Andy Rosenberg explains why adding a child’s name to a deed or bank account—often done to “keep things simple” or avoid probate—can lead to serious financial and legal problems. Andy breaks down the hidden consequences, including exposure to lawsuits, divorce proceedings, bankruptcy risks, tax complications, and loss of control over your own assets. He...

Episode Summary: In this episode, Andy Rosenberg dives into the critical topic of special needs planning and how a well-intentioned inheritance can unintentionally disqualify a loved one from vital government benefits. Andy explains how a properly structured special needs trust can protect assets, preserve eligibility for Medicaid and SSI, and ensure long-term care and security. He also clarifies...

Episode Summary: In this insightful episode, Andy Rosenberg breaks down what it truly means to die without a will in Florida—and why it can create legal and emotional chaos for loved ones. He explains the probate process, the difference between dying “intestate” and “testate,” and how assets are distributed when there’s no estate plan in place. Andy also highlights the importance of proper documen...

Episode Summary: In this episode, Estate planning attorney Andy Rosenberg explains why your digital life — from emails and photos to crypto and social media — must be part of your estate plan. He shares real client stories showing what happens when loved ones can’t access important accounts, and how his Legacy Portal helps families stay organized, secure, and prepared. Key Timestamps: 00:00 – What...

Episode Summary: In this episode, Estate planning attorney Andy Rosenberg explains why young parents can’t afford to wait when it comes to protecting their families. He shares real-life stories and practical advice on naming guardians, avoiding probate, and setting up a plan that secures your children’s future — even if the unexpected happens.   Key Timestamps: 00:00 – Why estate planning isn’t ju...

Episode Summary In this episode, Andy breaks down one of the most overlooked estate planning topics—what happens when an unmarried partner passes away in Florida. Many couples live together without realizing that, under state law, they have no automatic legal rights to their partner’s assets, healthcare decisions, or property. Andy explains why proper planning is essential, the risks of not doing...