Estate Planning with Fexingo: Wills, Trusts, and Passing Wealth to Future Generations

Fexingo

Lucas and Luna navigate the architecture of wealth transfer—wills, trusts, estate taxes, and the legal structures that govern inheritance. Every episode is built around a specific instrument or strategy: from revocable living trusts to generation-skipping transfer taxes, from charitable remainder trusts to the nuances of probate in different states. Lucas brings the regulatory precision, citing IRS code sections and recent court rulings; Luna pushes on the human side—how families actually make decisions, avoid conflict, and communicate intent across generations. The listener is the high-net-worth individual, the family office adviser, or the estate-planning attorney who wants to understand both the letter of the law and the art of the conversation. Together, they dissect real-case scenarios: a tech founder with illiquid equity, a blended family with competing heirs, a couple navigating Medicaid planning. No hypotheticals without numbers, no principles without examples. Each show ends with a tension—how do you balance control with flexibility? How do you protect wealth without stifling the next generation's ambition? #EstatePlanning #WillsAndTrusts #InheritanceTax #FamilyWealth #TrustStructures #Probate #GenerationSkipping #CharitableTrusts #MedicaidPlanning #EstateTax #LegacyPlanning #WealthTransfer #Finance #FexingoBusiness #BusinessPodcast #EstateAttorney #FamilyOffice #AssetProtection Keep every episode free: buymeacoffee.com/fexingo

  1. 3h ago

    How a Directed Trust Gives Control Without Trustee Liability

    In this episode, Lucas and Luna explore the directed trust, a modern estate-planning tool that lets you separate the roles of investment management and distribution decisions. Unlike a traditional trust where one trustee does everything, a directed trust allows you to appoint an investment advisor to handle assets while a different trustee oversees distributions. This can be especially useful for wealthy families who want professional money management without giving up control over who gets what and when. Lucas explains how directed trusts work, including the use of trust protectors and exculpation clauses, and walks through a real-world example of a family business owner who used a directed trust to keep the company in the family while avoiding trustee liability. Luna asks about common pitfalls, such as the need for clear language in the trust document and the risk of the investment advisor overstepping. They also discuss how directed trusts differ from traditional discretionary trusts and why they are becoming more common in states like Delaware and Nevada. By the end, you'll understand whether a directed trust might be right for your own estate plan. #EstatePlanning #DirectedTrust #TrustLaw #Trustee #InvestmentAdvisor #AssetProtection #FamilyWealth #WealthManagement #EstateTax #TrustProtector #DelawareTrust #NevadaTrust #Finance #PersonalFinance #WealthTransfer #FexingoBusiness #BusinessPodcast #TrustStructure Keep every episode free: buymeacoffee.com/fexingo

    How a Directed Trust Gives Control Without Trustee Liability

  2. 15h ago

    How a QDOT Preserves Estate Tax Benefits for Non-Citizen Spouses

    When one spouse isn't a US citizen, the unlimited marital deduction vanishes. Lucas and Luna break down the Qualified Domestic Trust, or QDOT—a little-known tool that lets cross-border couples defer estate tax on assets left to a non-citizen spouse. They walk through a concrete example: a US citizen married to a UK citizen with a $15 million estate, explaining how the QDOT works, the rules on principal distributions, and why having a US trustee is critical. This episode fills a gap for globally mobile families who want to keep their wealth intact across borders without an unexpected tax bill. #QDOT #QualifiedDomesticTrust #EstatePlanning #NonCitizenSpouse #MaritalDeduction #CrossBorderWealth #USCitizen #UKCitizen #TrustLaw #EstateTax #TaxDeferral #Finance #WealthManagement #FexingoBusiness #BusinessPodcast #EstatePlanningWithFexingo #InternationalTax #Trustee Keep every episode free: buymeacoffee.com/fexingo

    How a QDOT Preserves Estate Tax Benefits for Non-Citizen Spouses

  3. 1d ago

    How a Corporate Trustee Differs From an Individual Trustee

    Choosing the right trustee is one of the most consequential decisions in estate planning. Lucas and Luna compare corporate trustees (banks, trust companies) against individual trustees (family members, friends), using a real-world example of a $5 million trust that went sideways when the named individual trustee faced a divorce and bankruptcy. They walk through the key trade-offs: fiduciary standards, cost, continuity, and human judgment. If you're drafting a trust or serving as a trustee, this episode gives you a practical framework for making the call. No ads, no fluff — just actionable estate planning insight. #CorporateTrustee #IndividualTrustee #TrusteeSelection #EstatePlanning #FiduciaryDuty #TrustAdministration #FamilyTrust #ProbateAvoidance #AssetProtection #TrustLaw #SuccessionPlanning #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna #WealthTransfer #TrustMistakes #Trusteeship Keep every episode free: buymeacoffee.com/fexingo

    How a Corporate Trustee Differs From an Individual Trustee

  4. 2d ago

    How a Charitable Remainder Trust Cuts Taxes and Benefits Charity

    In this episode, Lucas and Luna unpack the charitable remainder trust (CRT) — a powerful strategy that lets you donate assets to charity, receive lifetime income, and bypass capital gains tax when selling appreciated property. Using a concrete example of a family with a $2 million block of low-basis stock, they walk through how a CRT works, the income tax deduction it generates, and the annuity options (CRAT vs. CRUT). They also compare it to a donor-advised fund and highlight pitfalls like the 10% remainder rule and trust administrative costs. Perfect for anyone considering a six-figure gift or just curious about tax-advantaged giving. #CharitableRemainderTrust #CRT #CRAT #CRUT #TaxPlanning #EstatePlanning #CharitableGiving #CapitalGains #IncomeTaxDeduction #AppreciatedAssets #WealthTransfer #Philanthropy #DonorAdvisedFund #Finance #Business #FexingoBusiness #BusinessPodcast #EstatePlanningPodcast Keep every episode free: buymeacoffee.com/fexingo

    How a Charitable Remainder Trust Cuts Taxes and Benefits Charity

  5. 3d ago

    How a Spousal Lifetime Access Trust Gives Flexibility and Tax Savings

    Episode 129 of Estate Planning with Fexingo explores the Spousal Lifetime Access Trust (SLAT), a powerful estate planning tool that lets you remove assets from your taxable estate while keeping your spouse as a discretionary beneficiary. Lucas breaks down how a SLAT works, using a concrete example: a couple with a $15 million estate, where moving $5 million into a SLAT can save roughly $2 million in estate taxes. Luna challenges whether the loss of direct control is worth it, and they discuss the risks of divorce and the 'reciprocal trust' doctrine. This episode is perfect for married couples with significant assets who want to reduce estate taxes without locking away all their wealth. The hosts also explain why they keep the show ad-free and invite listener support at buy me a coffee dot com slash fexingo. #SpousalLifetimeAccessTrust #SLAT #EstatePlanning #EstateTax #Trusts #MarriedCouples #WealthTransfer #TaxSavings #Finance #FexingoBusiness #BusinessPodcast #Podcast #ElderLaw #FinancialPlanning #Inheritance #LifetimeTrust #SpousalTrust #EstateTaxPlanning Keep every episode free: buymeacoffee.com/fexingo

    How a Spousal Lifetime Access Trust Gives Flexibility and Tax Savings

  6. 3d ago

    How an FLP Can Slash Estate Taxes and Protect Family Assets

    In this episode of Estate Planning with Fexingo, Lucas and Luna dive into the Family Limited Partnership (FLP) — a powerful but often misunderstood estate planning tool. They explain how an FLP works, using a concrete example: a family with a $15 million real estate portfolio. By transferring properties to an FLP and gifting limited partnership interests to the next generation, the family can reduce estate taxes by over $2 million while maintaining control. Lucas and Luna discuss the key requirements: a legitimate business purpose, proper valuation discounts, and strict adherence to IRS rules to avoid audit triggers. They also compare FLPs to dynasty trusts and LLCs, highlighting when an FLP makes sense. If you're a business owner or real estate investor looking to pass wealth efficiently, this episode gives you the framework to start the conversation with your advisor. #FamilyLimitedPartnership #FLP #EstatePlanning #WealthTransfer #BusinessSuccession #RealEstatePlanning #ValuationDiscount #LackOfMarketability #LackOfControl #GiftTax #EstateTax #IRS #DynastyTrust #LLC #Finance #FexingoBusiness #BusinessPodcast #WealthManagement Keep every episode free: buymeacoffee.com/fexingo

    How an FLP Can Slash Estate Taxes and Protect Family Assets

  7. 4d ago

    How a GRIT Transfers Wealth at a Fraction of the Tax

    Lucas and Luna explore Grantor Retained Income Trusts (GRITs), a powerful but underused estate planning tool that lets you transfer assets to heirs at a deep discount on gift tax. They walk through a concrete example: a business owner transfers $5 million of appreciating stock into a GRIT, retains income for 10 years, and the IRS values the remainder at just $2.1 million — saving over $1 million in gift tax compared to an outright gift. The episode covers the mechanics, the IRS '7520 rate' that determines the discount, the key risk if the grantor dies during the term, and why this strategy thrives in low-interest-rate environments. No prior episode has focused on the GRIT's income-first structure and its synergy with today's rate climate. #GRIT #GrantorRetainedIncomeTrust #EstatePlanning #WealthTransfer #GiftTax #IRS7520Rate #FexingoBusiness #Finance #BusinessPodcast #LowInterestRateStrategy #TrustPlanning #AssetProtection #TaxStrategy #FamilyWealth #EstateTax #GRITvsGRAT #PodcastEpisode127 #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo

    How a GRIT Transfers Wealth at a Fraction of the Tax

  8. 4d ago

    How a Dynasty Trust Can Protect Wealth for Generations

    In this episode of Estate Planning with Fexingo, Lucas and Luna explore dynasty trusts—an estate planning tool designed to preserve wealth across multiple generations while minimizing estate taxes. They break down how a dynasty trust works, including the role of generation-skipping transfer tax exemptions and state-level rules on perpetuities. Using a concrete example of a $10 million trust that compounds over 90 years, they show how the right structure can save a family millions in taxes. They also discuss the strategic use of a corporate trustee and the importance of choosing a trust-friendly state like Delaware or South Dakota. Whether you're planning for grandchildren or great-grandchildren, this episode gives you a clear framework for multigenerational wealth transfer. #DynastyTrust #EstatePlanning #GenerationSkippingTax #WealthTransfer #MultigenerationalWealth #TrustLaw #GSTExemption #DelawareTrust #SouthDakotaTrust #RuleAgainstPerpetuities #FamilyWealth #TaxPlanning #Finance #FexingoBusiness #BusinessPodcast #EstateTax #Inheritance #AssetProtection Keep every episode free: buymeacoffee.com/fexingo

    How a Dynasty Trust Can Protect Wealth for Generations
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About

Lucas and Luna navigate the architecture of wealth transfer—wills, trusts, estate taxes, and the legal structures that govern inheritance. Every episode is built around a specific instrument or strategy: from revocable living trusts to generation-skipping transfer taxes, from charitable remainder trusts to the nuances of probate in different states. Lucas brings the regulatory precision, citing IRS code sections and recent court rulings; Luna pushes on the human side—how families actually make decisions, avoid conflict, and communicate intent across generations. The listener is the high-net-worth individual, the family office adviser, or the estate-planning attorney who wants to understand both the letter of the law and the art of the conversation. Together, they dissect real-case scenarios: a tech founder with illiquid equity, a blended family with competing heirs, a couple navigating Medicaid planning. No hypotheticals without numbers, no principles without examples. Each show ends with a tension—how do you balance control with flexibility? How do you protect wealth without stifling the next generation's ambition? #EstatePlanning #WillsAndTrusts #InheritanceTax #FamilyWealth #TrustStructures #Probate #GenerationSkipping #CharitableTrusts #MedicaidPlanning #EstateTax #LegacyPlanning #WealthTransfer #Finance #FexingoBusiness #BusinessPodcast #EstateAttorney #FamilyOffice #AssetProtection Keep every episode free: buymeacoffee.com/fexingo

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