Law and Financial Order

In this episode, Robyn and Erin sit down with Damian Cashman of Ascend, whose Irish accent is as memorable as his deep knowledge of the mortgage industry. The conversation centers around PITI—Principal, Interest, Taxes, and Insurance—the key components that determine what home you can realistically afford. Damian breaks down how lenders evaluate affordability and explains why understanding your fu...

 In this recent episode of Law and Financial Order , Warner Wealth advisor Robyn Wolcott, CFP®, estate planning attorney Erin Duques sit down with insurance specialist Morgan Krause from Anderson Krause Insurance. This episode focuses on the importance of insurance planning. This episode aims to explain insurance concepts in plain language and discuss practical ways people can protect their homes,...

In the second part of LAFO’s End of Life Planning episode, Warner Wealth advisor Robyn Wolcott, CFP®, and attorney Erin Duques are joined by Dr. Joseph Sacco, Chief Medical Officer at Connecticut Hospice, to discuss the essentials of end-of-life planning. They explain the importance of naming a healthcare representative—someone who can make medical decisions on your behalf if you’re unable to comm...

In the latest episode of Law and Financial Order, Warner Wealth advisor Robyn Wolcott, CFP®, and attorney Erin Duques, discuss end of life planning with Chief Medical Officer at Connecticut Hospice, Dr. Joseph Sacco, MD, ABFM, ACQ-HPM.  They break down what families need to know about hospice, palliative care, and the financial realities that come with both. Understanding Hospice: What It Is—and W...

In the “Houston, We Have a Minor Problem” episode of Law and Financial Order , financial advisor Robyn Wolcott and attorney Erin Duques discuss the importance of planning ahead for your children’s future. They explain why it’s essential to choose not only who would care for your children, but also who would manage their finances if something happened to you. The episode covers helpful planning too...

In the “New Year, Fresh Start – Taxes” episode of Law and Financial Order , financial advisor Robyn Wolcott and attorney Erin Duques share practical, plain-English tax tips for the new year, joined by special guest James Warner, CFP®, CEO and Lead Wealth Advisor at Warner Wealth and owner of Warner Allred Tax Solutions. The discussion focuses on actionable strategies that can help individuals and...

This information is not intended to be a substitute for individualized tax advice. We suggest that you discuss your specific tax situation with a qualified tax advisor.  A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever...

In this episode, Robyn and Erin discuss how to make your home renovation less dramatic, at least for your wallet! Robyn details what a home equity line of credit is (HELOC) and how it may give you the flexibility to complete your project while also offering some extra financial padding in case your project costs more than originally expected. They also discuss what you should steer clear of when r...

In this episode of Law and Financial Order, Warner Wealth advisor Robyn Wolcott and attorney Erin Duques sit down with special guest Colleen Masse from Czepiga, Daly, Pope and Perri who specializes in special needs planning and fiduciary services. Colleen helps to break down the world of special needs trusts (funded by the person with a disability) and supplemental needs trusts (funded by others)-...

In this episode of Law and Financial Order, Robyn Wolcott and Erin Duques are joined by Warner Wealth's Director of Marketing, Shannon Cushing to discuss how to save more money!   This insightful conversation covers everything from saving for retirement, to budgeting for travel sports, and getting life insurance. The women discuss strategies that have worked for them, and Robyn offers advice...

In this episode, we have a VERY special guest. Our very own CEO and Lead Wealth Advisor, James Warner!  James, Robyn, and Erin discuss what to look for in an advisor, how to ask the right questions, and why it's okay not to know all the technical terms.  They suggest that it's important to connect with an advisor who listens, explains clearly, and puts your best interests first. Finding...

Don't be scared of the A word!  And by 'A word,' we are talking about annuities! In this episode, Robyn and Erin break down the pros and cons of annuities.  Robyn explains that she's had many clients come in very uncertain about annuities and questioning why they even bought an annuity in the first place. However, with professional guidance, these contracts are transformed from...

In this episode of "Law and Financial Order," financial advisor Robyn Wolcott and attorney Erin Duques discuss the use of trusts in estate planning. They explore how trusts can be used to protect your assets from potential divorce or creditor issues that your children may face, as well as the differences between revocable and irrevocable trusts and how each can be used for different purp...

Are you saving money for your children's college fund, or are your extra dollars going towards their makeup and skincare routines?  Robyn and Erin unpack what can be a daunting task: the process of saving for college. How can you make sure you and your child(ren) are ready? Learn all about how educational funding comes in thirds, and get your child(ren) ready for adulthood. Robyn and Erin dis...

How do you protect your money from being taken by the state? It starts with planning ahead.  In this episode, Robyn and Erin break down how to prepare for long-term care before you need it. From in-home support with daily tasks to moving into a care facility, they'll walk you through what to consider, what to avoid, and how to stay in control of your finances and your future.  Don't wait...

How much do I need to retire? Retirement isn't an age, it's a number.  It's not about turning 65--it's about knowing how much you'll need to live the life you want. In this episode of Law and Financial Order, Robyn and Erin discuss how to chart a course to your ideal retirement by breaking down how to calculate your retirement number and what to do if you're not quite...

When it comes to retirement, your home can be both your greatest asset and your biggest question mark. In this episode, Robyn and Erin tackle one of the most common (and emotionally charged) topics in financial planning: Should you pay off your mortgage before you retire?  They weigh the pros and the cons of ditching that low-interest loan vs. investing those extra dollars in the market. How does...

Would you leave your estate to your cat? Legendary designer Karl Lagerfeld did just that, leaving a major chunk of his wealth to his beloved furry friend, Choupette. But then what happens to that money when the pet outlives any other beneficiaries? Or worse, when they don't? In this episode, Robyn and Erin delve into the emotional decisions behind picking the right beneficiary. Who gets what?...

Think you need a moat and a drawbridge to start estate planning? Think again. In this episode of Law and Financial Order, financial advisor Robyn Wolcott asks Erin Duques to explain why EVERY castle---whether it's a beachfront condo, a family farmhouse, or a one-bedroom walk-up---deserves a plan fit for royalty. Erin talks through some of the details to make sure none of us make a "royal...