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 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 overlooked designations and emphasizes ...

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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. He highlights common mistakes people...

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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 their legacy effectively.

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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 Owning Property in Mult...

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 unforeseen circumstances.

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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 – Introduction 01:30 – Advice...

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 – Reasons for Using DIY Te...

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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.

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00:00 – Introductio...

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. Andy also explores how...

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 rules, including income and...

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 difficult time. ...

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 also...

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 the differences between first-party...

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 docume...

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.

00:00 – What digital as...

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.

00:00 – Why estate planning isn’t just for...

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 so, and the key legal d...

In this episode, Andy Rosenberg breaks down one of the most misunderstood topics in Florida estate planning — Homestead law. He explains what qualifies as homestead property, the legal and tax advantages that come with it, and the common mistakes people make when managing or transferring their homes. Andy also shares real-life examples of how homestead protection works and how families can avoid costly surpris...

In this episode of If You Don’t Plan, You Are Stupid!, Florida Estate Planning Attorney Andrew Rosenberg exposes the most common estate planning mistakes families make—and how to avoid them. From procrastination and outdated beneficiaries to the risks of joint accounts and guardianship court, Andrew Rosenberg breaks down the pitfalls he sees every day in his practice. He also shares real-life stories, in...