Sandwich Bread Pod

How much does long-term care actually cost, and which parts of it can you plan for? In this episode, Tom Kaminski welcomes back elder law attorney Maureen Lester for a third conversation, this time focused entirely on the cost side of long-term care. Maureen breaks down the three legally defined levels of care, independent living, assisted living, and skilled nursing, and walks through what each o...

In this episode of the Sandwich Bread Podcast, Tom Kaminski sits down with Dan Sullivan, Managing Director at First Element Insurance Planners, to break down the insurance essentials every young family should understand. Dan brings a background in insurance litigation and law to the conversation, offering a "manager of risk" mindset rather than a "consumer of insurance" one. To...

Estate planning is one of those things everyone knows they should do and most people keep putting off. But what happens when you finally do it and still get it wrong? In this episode, Tom sits down with estate planning attorney Anne Rahmeier to walk through the five most common mistakes she sees in her practice. Whether you are just starting to think about your estate plan or have not reviewed you...

Student loans are changing fast, and July 1, 2026 is a deadline that matters. Tom sits down with David Gourley, enrolled agent and student loan strategy expert, to walk through what is happening this summer in the federal student loan space and what borrowers need to do before it is too late. David has completed more than 700 student loan consultations and helped clients secure over $17 million in...

529 plans are one of the most powerful tools in a college savings strategy -- and one of the most misunderstood. In Part 1 of this two-part series, Tom sits down with Ann Garcia, author of How to Pay for College and one of the most respected voices in college planning, to break it all down. They cover what a 529 actually is, how it compares to a Roth IRA and a 401k, and where it fits alongside you...

You've opened the 529. Now what? In Part 2 of this series, Tom and Ann Garcia pick up where they left off and get into the practical side of college savings: how much to actually put away, how to invest it, all the ways you can get the money out, and the question every parent asks, "does this hurt my kid's financial aid?" Ann walks through her savings benchmarks, explains why t...

When one stock makes up a disproportionately large portion of your portfolio, knowing what to do with it, especially if it's highly appreciated, can feel overwhelming. In this episode, Tom talks Lauren through considerations when looking at a portfolio with a highly concentrated stock position. They walk through what concentration actually means, why context matters more than any single perce...

When it comes to aging and caregiving, clarity ahead of time can make all the difference. In this first episode of our on-going series, Building Your Team , we introduce one of the most overlooked and valuable professionals in aging in place, the occupational therapist. Dr. Brandy Archie, OTD, OTR/L, CLIPP, occupational therapist and founder of Ask Samie , joins us to explain: • What occupational...

In this episode of the Sandwich Bread Podcast, Tom Kaminski is joined again by Danny Schwartze, CEO of Your Cyber Life , to continue their conversation on cybersecurity — this time with a specific focus on aging parents and elders. Building on the fundamentals covered in the prior episode, Tom and Danny walk through practical, realistic steps families can take to reduce the risk of fraud, identity...

Helping aging parents stay safe at home often feels overwhelming, especially when families wait until a fall or health crisis forces decisions. In this episode, Tom Kaminski, CFP®️, is joined by occupational therapist Emilia Bourland,  OTR, ECHM, to talk about how families can take a proactive approach to aging in place. Emilia explains what occupational therapy really is, how home environments im...

Cybersecurity has quietly become part of everyday life, whether we like it or not. In this episode, Tom Kaminski is joined by Danny Schwartze, CEO of Your Cyber Life, to talk through practical, real-world steps families can take to better protect themselves online. From fraud texts and phishing emails to AI-driven scams, this conversation focuses on building awareness and putting simple safeguards...

What is elder law, and why does traditional estate planning often fall short as parents age? In this episode, Tom Kaminski is joined by elder law attorney Maureen Lester to break down the role of elder law, how it differs from standard estate planning, and why it becomes essential once health, cognition, and caregiving enter the picture. Maureen explains how elder law focuses not just on asset tra...

When elder law planning is delayed, families often find themselves in crisis mode. In this episode, Tom Kaminski and elder law attorney Maureen Lester discuss common elder law “horror stories,” what actually goes wrong when planning happens too late, and how families can avoid these outcomes. They cover outdated estate documents, guardianship proceedings, and the financial and emotional costs of c...

Open enrollment for Medicare ends on December 7 . If you are caring for aging parents, supporting multiple generations, or approaching age 65 yourself, this episode will help you get clarity fast. Our guest is Grant George from Medicare Done Professionally. He explains Medicare in simple and practical terms. We cover what Parts A, B, C and D actually do, how to compare employer or retiree plans wi...

In this episode, Tom talks with financial planner Danielle Seurkamp about what the “sandwich generation” means in practical terms. Instead of a demographic, it is a season of life when someone supports younger and older generations at the same time. Danielle shares her experience caring for her grandmother through illness and cognitive decline. She discusses the financial and logistical tasks she...

In this episode, Tom explains how to approach open enrollment with clarity and confidence. He covers retirement plan deferrals, health insurance comparisons, FSAs, disability coverage, life insurance, and lesser known benefits that can save or cost you real money. A simple, structured guide to help you get the most value from your employer benefits. This episode is for informational purposes only...

Episode 1.0 introduces The Sandwich Bread Pod and the purpose behind it. Tom Kaminski, CFP®, shares his background, why he launched this show, and what it really means to be part of the Sandwich Generation. This episode sets the foundation for honest conversations about multigenerational life, real financial pressure, and the responsibilities that come with supporting parents, raising kids, and ma...