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Entrepreneurship can feel like an individual journey — but the truth is, every leader is a collection of the people who’ve believed in them, collaborated with them, and shared in their vision. When we strip away titles, roles, and business cards, what we’re left with is connection — and that connection is the foundation of our greatest form of wealth: community. The Ripple Beyond the ROI In previous reflections, I’ve talked about ROI as Return on Involvement — the trust, loyalty, and engagement that grow when you build an authentic brand and system that reflects your values. But when we zoom out, we realize that involvement doesn’t stop at our teams or our clients. It ripples outward — into our communities, our industries, and even the way others choose to lead. Every email we send, every introduction we make, every brand decision we stand by sends a signal. It tells others what we believe, how we operate, and what kind of ecosystem we’re committed to creating. That’s the ripple effect of entrepreneurship: every action creates energy beyond the immediate transaction. Community as an Ecosystem, Not an Audience Too often, community is reduced to numbers — followers, subscribers, attendees. But community is not a metric; it’s an ecosystem. An ecosystem where: Entrepreneurs collaborate, not compete. Success is celebrated collectively. Support flows both ways — through shared knowledge, encouragement, and accountability. Through my work at SG INK and as a Thought Leader with The Cor Collective, I’ve seen how intentional communities create measurable impact. A single conversation can shift a business trajectory. A single collaboration can unlock new markets. A single introduction can alter a life. This is what I call relationship momentum — when the alignment, investment, and involvement you’ve cultivated begin to compound through others. The Power of Alignment in Community Alignment isn’t a private act; it’s contagious. When you operate from clarity and authenticity, you give permission for others to do the same. You attract the right partnerships, clients, and peers. You elevate conversations.And over time, those ripples begin to build something far more valuable than influence — they build legacy. Measuring Success Differently In traditional business, we measure success by output: profit, reach, conversion. But leaders who understand the ripple effect measure success by input — by the depth of relationships, the consistency of their integrity, and the quality of their community. Ask yourself: Who have I elevated this quarter? What spaces have I helped make more inclusive or inspired? Which collaborations or connections have I nurtured that may ripple into something greater? When you track those answers, you begin to see your true impact — the one that can’t always be quantified but can always be felt. Your Ripple Is Your Legacy At the end of the day, community is both mirror and amplifier. It reflects who you are as a leader, and it multiplies what you put into it. Your presence matters. Your participation matters. The way you lead, listen, and support matters. The more intentional you become about your ripple — through your actions, your words, your systems, and your brand — the more meaningful and measurable your legacy becomes. Because the goal isn’t just to build a business that scales. It’s to build a community that sustains. So, as we move through this season, I invite you to ask yourself: What ripples am I creating — and how far might they reach?

As entrepreneurs, we often fill our calendars, convinced that the more rooms we’re in, the more opportunities we’ll create.  Sometimes that’s true, but often, it’s not about how many rooms you’re in, but which  rooms. Early in my career, I went to multiple luncheons, mixers, and networking events, convinced that this was the key to success. But after countless late nights and stacks of business cards, I learned a hard truth: busy doesn’t always mean effective .  I was meeting people, but not building relationships that led to collaboration, referrals, or real impact. And honestly, most of us weren’t following up at all. Don’t get me wrong, some people thrive at large events and build strong networks that way. And if you know me, you’d probably assume I’d be the same.  But I realized something important: being social isn’t the same as building real connection.  For me, the most valuable relationships didn’t happen in crowded rooms. They happened later, in smaller, more intentional conversations where trust had room to grow. What follows isn’t a hard-and-fast formula, but rather some practical strategies that have helped me, and that I believe can help other entrepreneurs build stronger, more meaningful professional communities. Clarify Why You’re Showing Up Just as important as where  you’re showing up is how  you’re showing up. Before you walk into any networking event, take a moment to pause and get clear on your purpose. Ask yourself: Is this event primarily social, strategic, or educational for me? What kinds of connections am I hoping to make here? Is this community aligned with my values and the level of service I want for my clients? Your intentions shape the conversations you have.  If you walk in focused only on what you can get such as referrals, leads, opportunities, you’ll approach relationships transactionally. But when you focus on what you can give, how you can support someone’s goals, add value, and help them shine, you build a very different kind of network. Professionals who listen deeply, connect thoughtfully, and look for ways to elevate others stand out. People remember them, and over time, that kind of reputation compounds. Networking isn’t just about being in the right rooms. It’s about creating value in those rooms—intentionally and consistently. Focus on Depth, Not Just Reach One of the biggest shifts in my networking approach came when I stopped focusing on how many people I met and started paying attention to how well  I got to know them. Surface-level interactions might get you a business card, but they rarely build real trust. The strongest professional relationships often grow from small, genuine moments of connection. If someone mentions that their child just started kindergarten or shares a favorite travel spot, I make a note. I keep a running list under each contact with personal details that are meaningful. Those details remind me who they are beyond their job title. The next time we meet, I can ask about their child’s school year or follow up on that trip. It shows I was listening and builds a stronger connection than any polished elevator pitch. Thoughtful follow-ups turn casual acquaintances into genuine professional allies. And over time, that’s where trust and collaboration are built. Choose Groups That Reflect Your Values My practice is values-driven, so I look for the same in the professionals I surround myself with. I want to know that if I refer a client to someone, they’ll receive the same level of service and care they get from me.  When relationships are built on shared values, trust, and genuine interest, they evolve beyond transactions. You’re not just building a list of contacts but creating a professional community that supports both your work and your clients. Networking That Actually Feeds Your Business and Soul Networking doesn’t have to be performative or exhausting. The real power comes when you approach it with intention and authenticity.  Whether you thrive in big events or smaller groups, the goal isn’t just to be seen but to build relationships that support your business, your clients, and your values. Over time, your network becomes more than a list of names; it becomes a trusted community that grows with you.

Someone just landed on your website. Before they read a word, their brain already decided if they trust you. 50 milliseconds. That’s faster than a blink. Your brand either communicates credibility in that moment, or it doesn’t. What’s Actually Happening When someone lands on your site or social profile, they’re not analyzing your services. They’re feeling something. A sense of trust. A feeling of ease. An instinct that says, this looks aligned. Research shows visual appeal gets assessed in just 50 milliseconds, and that first impression often lasts. We’re wired to make quick decisions about trust and safety — it’s part of how the brain protects us. Today, it’s how we decide which brands deserve our attention. Your audience can sense alignment, even when they can’t explain why. The Real Impact Those first moments shape perception more than most people realize. When your digital presence matches the quality of your work, something clicks. Visitors stay longer. They explore. They begin to trust what they feel. That’s the quiet power of visual credibility — it opens the door for connection before words ever do. The Disconnect Most Founders Miss As founders, we experience our brands slowly. We know the story, the strategy, and the heart behind every decision. But our audience experiences it instantly. That’s why even thoughtful brands can miss the mark. The message might be strong, but the visuals haven’t caught up yet. The business may have evolved, but the brand still reflects an earlier version of who you were. It’s not about being behind — it’s about realizing where your brand is inviting people in… and where it might not be yet. How Trust Actually Forms Design is how trust begins. Not in words, but in a feeling. Here’s what consistently builds that feeling: Visual simplicity – Clean layouts help the brain relax. When people can take in information easily, they’re more likely to stay. Familiar structure – When things appear where expected, the brain registers “safe” and “professional.” Strategic color – Color shapes emotion instantly. Calm, balanced palettes build trust. Consistent branding – When your website, social presence, and visuals all feel cohesive, you create instant recognition that accelerates connection. Professional imagery – Aligned photos communicate care and confidence before anyone reads your story. The Strategic Advantage Most brands focus on what they want to say. The ones that stand out understand how people see . When you design with psychology in mind, you give your audience a reason to stay long enough to discover your depth, your story, and your value. This isn’t about having the “prettiest” brand. It’s about creating an experience that feels credible, grounded, and instantly trustworthy.Because when your visual presence reflects who you truly are, people feel it — and they respond. What You Can Control You can’t change the fact that people form impressions in milliseconds. That’s neuroscience, not preference. But you can shape what they see in those first moments. Everywhere your brand shows up — your website, your social profiles, your email signature — it’s quietly introducing you.The question is: does it reflect where you are now, and where you’re headed? This is why every brand I build begins with alignment. Because what people feel in that first instant determines everything that comes next. Ready to create a brand that communicates credibility and connection from the very first glance? The Brand Alignment Intensive is where we start — defining how you want people to feel, and designing the visuals to match.

The largest wealth transfer in modern history is underway. Over the next two decades, $124 trillion is expected to pass from Baby Boomers and the Silent Generation to their heirs. Here’s the defining shift: women will inherit and ultimately control the majority of this wealth. Because women typically live longer, they often become the final decision-makers for family wealth. At the same time, more women are business owners, executives, and primary earners than ever before. Women are not just inheriting wealth. They’re actively shaping financial outcomes for families and communities. Recently, I had the privilege of speaking at The Great Wealth Transfer  webinar, where we explored how this shift is reshaping families, communities, and the financial industry. Here are five practical insights from that discussion: 1. Women Are Stepping into the Driver’s Seat: Women already control a significant share of U.S. wealth, and their influence is growing rapidly. 2. Confidence Gaps Persist: Many women don’t feel fully prepared. Traditional advisory models often miss what matters most: values, caregiving roles, philanthropy, and financial education. 3. Start with Reflection and Conversation: Begin with personal clarity and open family discussions before making financial decisions. 4. Build a Strong Professional “Triangle”: A financial advisor, estate attorney, and accountant working collaboratively create a stable foundation during major transitions. 5. Preparation and Community Matter: Getting organized and connecting with peer groups can ease stress and build lasting financial confidence. Lead with Intention The Great Wealth Transfer represents a once-in-a-generation opportunity for women to lead. But leadership requires preparation, reflection, and trusted guidance. Read the full article here: The Great Wealth Transfer

As of September 30th, 2025 , Florida’s minimum wage has officially increased from $13 to $14 per hour. Next year, it will climb again to $15 — the final step in the voter-approved plan from 2020. For workers, this sounds like great news: more money in the paycheck without any extra hours. But for business owners? It’s another cost increase to factor into already tight margins. Let’s break down what this change means — for employees, employers, and everyone in between. Workers: The Good and the Reality On the surface, this feels like a win. Employees are now getting more money for the same job they’ve been doing. And let’s be honest, most people working minimum wage aren’t buying $500,000 homes with two cars and kids in private school. These jobs are usually a starting point  — fast food, retail, front desk, or other entry-level roles. The $1 bump doesn’t suddenly make those jobs life-changing, but it does provide relief. Over 40 hours, it’s about $40 more a week . Over a year, that’s $2,000+ extra  in gross pay. That’s helpful. But here’s the truth: money habits matter more than paychecks. If someone already spends recklessly, this raise just gives them more to spend on the wrong things. Whether you make $40k a year or $400k a year, your financial habits determine your future. If I were talking to a high school or college kid earning minimum wage, my advice would be simple: Save at least 50%  of your income. Use this time to stack cash for your future — whether that’s school, a wedding, your first home, or investments. Don’t rack up big bills while your income is small. This is the highest starting wage any generation has had coming out of high school. Don’t waste the opportunity. Employers: The Hidden Cost For business owners, this wage bump is more than just an extra dollar per hour. It raises the floor  — meaning what used to cost $13 now costs $14, and quality employees will demand even more. Here’s the math problem every business owner faces: If “entry-level” work costs $14, then high-quality talent expects double . Payroll costs rise, but the actual work output may not. In some cases, owners find themselves paying staff more than they pay themselves  — especially in the early growth stages. That’s where it stings. Hiring gets more expensive, scaling slows down, and some owners will delay bringing on new people until budgets adjust. What does this mean in practice? More part-time hires  instead of full-time. Slight price increases  for customers to cover costs. A natural push toward efficiency and sacrifice  for owners. It’s not the end of the world, but it does make growing a business harder. Attitude Is Everything Here’s the part most people miss: this isn’t just about numbers. If you’re an employee : Remember, your employer expects more now. When your cost goes up, so does the standard of effort. Business owners don’t just need to cover your paycheck — they have to pay for overhead, taxes, and everything else that keeps the doors open. Show up. Work hard. Don’t waste the opportunity. If you’re a business owner : This is part of the cost of doing business. Don’t let a bad attitude poison your team. Payroll will always be your largest expense — and the sacrifice never ends. If you pay yourself too much now, you’ll limit your ability to scale. The real question is: do you want to make $150k forever, or sacrifice today so you can grow into $250k+ in a few years? This raise is a reminder that mindset and discipline matter more than rates. The Bigger Picture For the Florida economy, this wage hike won’t crash the system, but it will have ripple effects: Small businesses may take 6+ months  to adjust hiring plans. Growth may slow slightly, but it won’t stop. Inflationary pressure is possible as businesses raise prices to cover payroll. On the flip side, when people have more money in their pockets, they spend it. That creates a boost for local economies — restaurants, retail, and services see more activity. The real question is whether that spending builds the future (savings, security) or just funds short-term habits (gadgets, vacations, jewelry). Final Word Here’s the takeaway for both sides: Workers : This raise gives you more money, but also more responsibility. Don’t waste it. Build habits that set you up for the future. If your boss is paying you more, expect them to expect more from you. Business owners : Accept that payroll is the game. Budget, sacrifice, and plan ahead. Scaling requires discipline. Keep your personal bills low now, so you can grow into bigger returns later. At the end of the day, the minimum wage increase is just a reminder of something every successful person already knows: your habits, effort, and long-term vision matter far more than the number on your paycheck. Kim & Gerry Rivas Founders; The Rivas Insurance Group https://rivasinsurancegroup.com/

Entrepreneurship is often painted as a solo pursuit — the bold individual forging ahead against all odds, fueled by grit, creativity, and sheer determination. But in reality, no one scales alone. Behind every successful founder or leader is a web of relationships — mentors, partners, team members, clients, and communities — that provide the trust, credibility, and support needed to sustain growth. This is what I call relationship equity , and it is one of the most undervalued forms of capital in business today. Beyond Financial Equity Financial equity is easy to measure. It shows up on your balance sheets and in investor reports. Relationship equity, however, is more subtle. It’s measured in the calls that get returned, the introductions that are made, the loyalty of your customers, and the colleagues who step in to help when challenges arise. It’s not about transactions — it’s about trust. And just like financial equity, it compounds over time when you invest in it intentionally. Support as Strategy One of the most dangerous myths in entrepreneurship is the idea that asking for help makes you appear weak or less capable. I’ve seen the opposite play out across my 24 years of working with multi-national corporations, startups, and small businesses in industries from military and automotive to healthcare, hospitality, and everything in between. The most resilient leaders aren’t the ones who go it alone — they’re the ones who build systems of support. They understand that: Support multiplies impact.  When you invite others in, you gain new perspectives, skills, and resources. Support models leadership.  When you normalize asking for help, your team feels empowered to do the same. Support creates sustainability.  Burnout is often the result of trying to carry too much alone. Shared load leads to shared growth. Far from diminishing your authority, asking for and offering support signals strength, humility, and vision. Depositing Into Your Relationship Equity Account Like financial equity, relationship equity requires consistent deposits. Here are three powerful ways to build it: Show Up Consistently Presence builds trust. Whether it’s showing up for a peer’s launch, making time for regular check-ins, or simply following through on your promises, consistency communicates reliability. Contribute Before You Need The strongest deposits happen when you give without expecting immediate returns — sharing your expertise, connecting someone to a valuable contact, or offering encouragement. Entrepreneurs who adopt a “give first” mindset see their relationship equity multiply in unexpected ways. Create Systems for Connection Relationship-building doesn’t have to be haphazard. Create structures that make it natural: monthly networking dinners, quarterly mastermind pods, or even a simple habit of sending a note of encouragement every Friday. Systems turn good intentions into sustained action. The ROI of Relationship Equity The return on relationship equity doesn’t always fit neatly on a spreadsheet, but its impact is undeniable. It shows up when: A client renews because they trust you  as much as they trust your service. A partner recommends you because they’ve seen your consistency firsthand. A peer introduces you to the exact person you need to meet to unlock your next opportunity. At SG INK, we often talk about ROI as both Return on Investment  and Return on Involvement.  Relationship equity falls squarely into the second category — the goodwill, trust, and loyalty that keep your business involved, engaged, and growing long after the initial transaction.   Entrepreneurship Is a Team Sport As a Thought Leader with The Cor Collective , I see this play out daily in our community. Leaders thrive when they not only have access to strategy and systems, but also to a circle of trusted peers who invest in their success as much as their own. The truth is, entrepreneurship is a team sport. And the most important capital you’ll ever build isn’t just financial — it’s human. A Challenge for This Season As you reflect on your own growth this quarter, ask yourself: Where am I consistently depositing into relationship equity? Where have I been withdrawing without replenishing? Who can I intentionally support this week — not for a return, but because it strengthens the ecosystem we’re all a part of? Because in the end, relationship equity isn’t just about what you gain. It’s about the collective resilience, innovation, and impact that happens when entrepreneurs choose to support one another. And that, I believe, is the human capital every entrepreneur needs.   Sam Ghanem CEO & Creative Lead; SG INK https://www.thinksgink.com/

In the fast-moving world of social media, one thing has become clear: the glossy, overproduced brand videos that once dominated feeds are no longer the most effective way to connect with audiences. Instead, authentic, raw, behind-the-scenes, and “day-in-the-life” content is outperforming polished campaigns. Consumers crave realness. They want to see the people, the process, and the purpose behind a brand—not just the finished product. This shift is redefining how brands show up online. Why Audiences Are Craving Authenticity Over the past few years, social platforms have been saturated with high-budget ads and carefully staged campaigns. The result? Audiences are tuning out. In an age of constant content, people have developed sharp instincts for spotting what feels scripted versus what feels genuine. Authenticity works because: Trust is currency: Raw content makes brands feel approachable, transparent, and human. Relatability drives engagement: Consumers connect with stories that mirror their own daily lives, not picture-perfect productions. Attention spans are short: Quick, unpolished moments can spark more curiosity than a heavily edited video. In other words, authenticity isn’t just a “nice-to-have”—it’s a business advantage. Types of Authentic Content That Perform Best If your brand is still leaning heavily on polished, studio-level content, it’s time to experiment with formats that let your audience peek behind the curtain. Some of the best-performing examples include: Behind-the-scenes moments – Show the process, the people, and even the challenges behind your brand. It makes your wins feel earned and real. Day-in-the-life content – Let your team, founder, or customers share their routines. These slices of real life create emotional connection. Unscripted conversations – Instead of a rehearsed script, capture candid chats, brainstorming sessions, or quick reflections. User-generated content (UGC) – Customers love seeing real people enjoying your product or service. It validates your brand far more than a staged testimonial. The common thread is accessibility: audiences feel like they’re being invited into your world rather than sold to. How to Balance Authenticity and Strategy Of course, authenticity doesn’t mean abandoning strategy altogether. The brands doing this well know how to strike a balance: Be intentional: Even spontaneous content should tie back to your brand values or story. Keep it consistent: Raw content should complement—not replace—your polished assets. Think of it as texture that makes your brand multidimensional. Empower your team: Encourage employees, partners, or even customers to share their authentic perspectives. Collective voices build credibility. Listen to feedback: Engagement on raw content often comes with more comments and conversations. Use that input to guide future storytelling. When done right, authenticity becomes part of a brand’s DNA, not just a tactic. Conclusion The age of perfection on social media is over. Today’s audiences don’t want flawless—they want real. They want to see the people behind the product, the moments between the highlights, and the stories that can’t be staged. For brands, this is a chance to lean into transparency, vulnerability, and community. Authenticity outperforms polish not because it’s trendier, but because it’s truer. And when brands lead with truth, they don’t just gain followers—they earn loyalty. At Fifth & Cor, we’ve seen firsthand that the strongest campaigns come from blending strategic storytelling with authentic human connection. When brands stop aiming for perfection and start showing their people, that’s when real growth begins. Robin Dimond CEO & Founder; Fifth & Cor https://www.fifthandcor.com/

When most people think of estate planning, their minds go first to wills and trusts. But just as important is financial planning and asset management  — the lifeblood of your estate. In Florida, without proper alignment of your accounts, property, and beneficiary designations, even the most carefully drafted will can be undermined. This post will explain what financial planning means in the estate context, why it matters under both Florida and federal law, and how to avoid costly mistakes.   1. What Financial Planning Includes Financial affairs in estate planning encompass: Bank Accounts & Investments  – checking, savings, brokerage, CDs. Retirement Plans  – 401(k), IRA, pensions ( 26 U.S.C. § 401(k) ). Real Estate Holdings  – primary residence, investment property, joint ownership. Insurance Policies  – life insurance, long-term care. Business Interests  – corporations, LLCs, partnerships. Debts & Liabilities  – mortgages, loans, credit lines. Each of these assets may pass after death differently as each asset has its owns rules for transfer.. Additional tax considerations should also be taken into consideration for each type of asset. Some assets should include a payable on death designation versus retitling ownership for tax purposes.   2. Why Financial Planning Matters Avoiding Intestacy . Without planning, Florida intestacy laws ( F.S. §§ 732.101–732.111 ) determine inheritance. This default scheme may conflict with your wishes, particularly for blended families or unmarried couples.  Reducing Probate Costs and Delays If assets are titled solely in your name with no beneficiary designation, they must go through probate ( F.S. Chapter 733 ) . Probate can be time-consuming and public, exposing your finances to court records. Probate in Florida can take six months to two years, depending on the complexity of the estate. Personal representatives must marshal assets, notify creditors, and file court inventories ( F.S. § 733.604 ). Court oversight means delays and expenses. Proper titling, beneficiary designations, and trusts can bypass probate entirely. Tax Efficiency While Florida does not impose a state estate tax, larger estates ( up to $13,990,000 for 2025 ) may be subject to the federal estate tax  ( 26 U.S.C. § 2001 ). Proper planning — such as using the marital deduction  ( 26 U.S.C. § 2056 ), gifting strategies, or irrevocable trusts — can significantly reduce tax liability and preserve more wealth for heirs.  Case Example In   Estate of Murphy v. Commissioner , 71 T.C.M. (CCH) 1674 (1996 ), improper planning led to unnecessary estate taxes because beneficiary designations were not coordinated with the decedent’s will. Preventing Family Conflict Financial disorganization often breeds disputes. When records are missing, debts are unclear, or beneficiary designations are outdated, heirs may accuse each other of wrongdoing. Litigation over estates can deplete assets faster than taxes ever would. 3. Beneficiary Designations One of the most overlooked elements of estate planning is beneficiary designations. When in reality, beneficiary designations control many of your largest assets, including retirement accounts, annuities, and life insurance policies, which can all pass outside of probate  by contract (pay-on-death POD or transfer-on-death TOD designations). These designations bypass probate and go directly to the named person.  Priority Over Wills:  If your will names one person but your 401(k) names another, the plan beneficiary controls. Florida Statute:  Spousal elective share rights may override certain designations ( F.S. § 732.201 ). However, if no beneficiary designation is chosen for these types of accounts, it will become subject to probate administration. Similarly, if an account beneficiary is not updated (after death, divorce, or other separation), the wrong or unintended beneficiary may inherit thereunder.  Case Example: The U.S. Supreme Court upheld a beneficiary designation of an ex-spouse, not withstanding state law to the contrary. Egelhoff v. Egelhoff , 532 U.S. 141 (2001) . In Florida, the elective share statute ( F.S. § 732.201 ) protects surviving spouses by granting them 30% of the estate — including certain non-probate assets. But this can create conflict if beneficiary designations do not align with overall planning and do not include accounts with alternative designated beneficiaries.  4. Real Property Property held in an individual’s name alone must go through probate. However, there are options to avoid this, which include (i) Titling in a revocable trust ( F.S. § 736.0402 ), (ii) Joint tenancy with right of survivorship ( F.S. § 689.15 ) , and (iii) Lady Bird deeds (enhanced life estate deeds, recognized in Hirschenson v. Compu-Link Corp. , 389 So. 3d 574 (Fla. 3d DCA 2023). 5. Business Succession Planning Business interests often make up the bulk of a person’s wealth. Without a succession plan, the business may collapse or be sold for less than value under duress. Florida Law provides that LLC and partnership interests are subject to probate unless transferred into a trust or controlled by an operating agreement ( F.S. § 605.0701 ). Unclear succession terms in business can lead to costly litigation. However, business owners can benefit from estate planning strategies, including powers of attorney, trusts, and buy-sell agreements, which can be used in conjunction with one another to facilitate the transition of power, ownership, and assets, without the need of court intervention.  6. Debt, Creditors, and Asset Protection Financial planning should also address debts and creditor claims. Depending on the assets you hold, some may be exempt from creditors. For instance, the Florida Constitution, under  Art. X, § 4 , shields primary residences (homestead property) from most creditors. Other assets exempt from creditor claims include life insurance proceeds payable to a spouse or child ( F.S. § 222.13 ). In the event an estate is forced into probate, creditors must file claims within three (3) months of publication of notice to creditors ( F.S. § 733.702 ).  Proper planning ensures assets are structured to minimize tax and creditor exposure. 7. Growth Through Planning Financial planning isn’t just defensive — it can grow an estate: Trust Management:  Assets pooled in a trust can be invested collectively, producing rental income, dividends, or capital gains, in perpetuity. 1031 Exchanges:  Investment real estate can be “exchanged” or tax-deferred under 26 U.S.C. § 1031 , growing a property portfolio. Proper planning is required as there are rules that require strict timeline compliance to qualify.  Charitable Planning:  Charitable remainder trusts provide income to heirs while reducing taxable estate value. Step-Up Basis:  Under 26 U.S.C. § 1014 , heirs inherit property with a “stepped-up” tax basis, reducing capital gains when sold. 7 . Checklist: Financial Planning Steps Review beneficiary designations for retirement and insurance accounts. Retitle assets into your trust to avoid probate. Evaluate need for life insurance or long-term care coverage. Prepare a personal net worth statement. Meet with an estate planning attorney and financial advisor to align strategy. In conclusion, financial planning and asset management form the engine of your estate plan. Legal documents provide structure, but without proper financial alignment, they cannot function. From avoiding probate delays to leveraging tax advantages, financial planning ensures your estate does not just survive — it thrives. In Florida, where homestead laws, elective shares, and creditor protections are unique, failing to align your finances with your plan can lead to costly, unintended outcomes. Proper financial planning transforms estate planning from a defensive exercise into a proactive strategy for protecting and growing your legacy. Terra Sickler Attorney; Twig, Trade, & Tribunal, PLLC twiglaw.com

If “getting your affairs in order” is the broader mission, then organizing your legal documents  is the foundation. Without the right documents — properly executed under Florida law — even the best intentions can unravel in court. A will scribbled on a notepad, a handshake promise about property, or even a typed directive without witnesses  will not hold up when it matters most. In Florida, certain documents form the backbone of every estate plan. This post explores what they are, why they matter, when they should be created or updated, and how the courts have interpreted them. 1. The Last Will and Testament A Will directs how assets are distributed and is the most recognized estate planning document, but Florida law is strict about its requirements. Execution Requirements:  A will must be in writing, signed at the end by the testator who is of sound mind and either 18 or more years of age or an emancipated minor ( F.S. §732.501 ) , and witnessed by at least two individuals who also sign in each other’s presence ( F.S. § 732.502(1) ). Oral wills (nuncupative) and unwitnessed holographic wills are not valid in Florida. Revocation on Divorce:  Any provision benefiting a former spouse is automatically void after divorce ( F.S. § 732.507(2 ) ). Case Example:  In Ziadman v. Zaidman , 305 So 3d 30 (Fla. 3d DCA 2020) , the court invalidated a will that did not strictly comply with statutory formalities, underscoring Florida’s zero-tolerance approach to execution errors. Without a valid will, your property passes according to intestacy laws ( F.S. §§ 732.101–732.111 ), which may exclude non-marital partners, friends, stepchildren, or charities. These laws also set the default heirship order (spouse, descendants, parents, siblings, etc.).  Often this does not match what people truly intend, particularly in blended or unconventional family situations. 2. Revocable and Irrevocable Trusts A trust is not just for the wealthy. In Florida, trusts are one of the best tools for avoiding probate,  maintaining privacy, and protecting assets. Governing Law:  The Florida Trust Code ( F.S. Chapter 736 ) governs the creation, validity, and administration of trusts. Florida, like many other States throughout the USA (see those states HERE ) have adopted the Uniform Trust Code. Revocable Trusts:  Commonly used to hold property during life and distribute assets at death without probate. The trust must identify beneficiaries, the property, and have a lawful purpose ( F.S. § 736.0402 ). Irrevocable Trusts:  Useful for special needs, asset protection and tax planning, but once created, terms cannot be easily changed. Trustee Duties:  Trustees owe fiduciary duties of loyalty and impartiality under F.S. § 736.0801–.0813 , which must be honored, regardless of family conflict. 3. Durable Power of Attorney A durable power of attorney (POA)  gives someone authority to act on your behalf in financial and legal matters, in the event of incapacity. Statutory Basis:  Florida’s POA law is governed by F.S. Chapter 709 . Durability:  A POA is “durable” if it states that the authority continues even during incapacity ( F.S. § 709.2104 ). Restrictions:  The POA must specifically grant certain powers, such as making gifts or creating trusts ( F.S. § 709.2202 ). Case Example:  In Vaughn v. Batchelder , 633 So. 2d 526 (Fla. 2d DCA 1994) , the court held that a power of attorney must be strictly construed, meaning agents cannot assume powers not expressly granted. Without a POA, your family may need to pursue a guardianship through court ( F.S. Chapter 744 ) to manage your affairs.   4. Healthcare Directives and Surrogates Medical decisions are often the most urgent — and the most contested — when someone becomes incapacitated. In Florida, you have the option to make these choices in advance with pre-authorized medical instructions. Living Will:  Allows you to state your wishes regarding life-prolonging procedures ( F.S. § 765.302 ). Healthcare Surrogate:  Lets you designate someone to make healthcare decisions if you cannot ( F.S. § 765.202 ) . Default Surrogates:  Without a designation, a statutory list of default decision-makers applies, beginning with your spouse and then adult children ( F.S. § 765.401 ). These directives prevent disputes like those seen in the nationally known case of In re Guardianship of Schiavo , 851 So. 2d 182 (Fla. 2d DCA 2003) , where years of litigation ensued because the patient had no written directives.   5. HIPAA Authorization Even with a healthcare surrogate, doctors and hospitals cannot release medical information unless permitted under HIPAA. Federal Authority:   45 C.F.R. § 164.502(g)  allows disclosure of protected health information to personal representatives if properly authorized. Without this authorization, your designated decision-maker could be left unable to access vital medical records. 6. Practical Guidance Having documents is only half the battle; they must be organized and accessible . Best practices include: storing originals in a fireproof safe or with your attorney, providing copies to executors, trustees, and surrogates; reviewing documents every 3–5 years, or after major life changes;  A will tucked in a forgotten drawer may as well not exist when your family needs it.   Checklist: Core Legal Documents Last Will and Testament ( F.S. § 732.502 ) Revocable Living Trust ( F.S. § 736.0402 ) Durable Power of Attorney ( F.S. § 709.2104 ) Healthcare Surrogate Designation ( F.S. § 765.202 ) Living Will ( F.S. § 765.302 ) HIPAA Authorization (45 C.F.R. § 164.502(g))   Conclusion Without these documents, Florida law provides a rigid default plan if you fail to act — but it is rarely the plan anyone would choose. By organizing these key legal documents, you not only ensure compliance with statutory requirements but also preserve dignity, privacy, and peace for your loved ones. Proper documentation is not about anticipating death; it is about empowering life  with clarity and control. Without it, courts will make the choices for you. Terra Sickler Attorney; Twig, Trade, & Tribunal, PLLC twiglaw.com

Text messages and private social media messages may feel personal—but they aren’t always private. In legal cases such as divorces, custody disputes, or criminal matters, these messages can become crucial evidence. So, can text messages be used in court? Yes. And depending on the content, they can carry significant weight. Courts Do Accept Text Messages as Evidence Courts often accept text messages and direct messages as evidence, provided they are both relevant and authenticated. In practice, this means proving who sent the message and that its content hasn’t been altered—which is why simple screenshots may not always be admissible. Authentication typically comes through witness testimony, phone records, or metadata. And if a person sent a message from their phone number and later acknowledges it, that message can carry significant weight in court. Private Messages Aren’t Always Protected Many people assume that private messages—whether on WhatsApp, Signal, or Facebook Messenger—are completely safe from court. That’s not the case. If one party legally obtains those messages, they can often be introduced as evidence. In family law disputes, for example, this commonly happens when a spouse has access to the other’s phone or shared cloud account. A message labeled “private” or sent through a secure app does not make it immune from use in legal proceedings. If you sent it, and it can be authenticated as coming from you, it may very well become part of the evidence. Deleted Messages Aren’t Always Gone Deleting a message doesn’t mean it’s gone for good. If the other party already saved a screenshot or downloaded the chat, it can still be used. Many apps also back up messages automatically to the cloud or a computer, and legal teams can subpoena those backups when necessary. In some cases, courts may even approve forensic analysis to recover deleted texts from phones—particularly in matters involving fraud, harassment, or other serious claims. Bottom line: sending a text and then trying to erase it rarely offers protection. Ninette Caneda Magna Legal Services https://magnals.com/

Preparing for the inevitable may sound daunting, but in reality, “getting your affairs in order” is less about death and more about living. It gives you clarity, security, and peace of mind. The law already has a plan for you if you fail to make one — but it might not be what you want. Many people hesitate at the thought of death or assume that planning is only for the elderly or wealthy. In truth, everyone benefits from making plans for the unexpected. Anyone over 18, anyone with a family, a business, or property should understand what happens after death and how their affairs will be handled. This post explores what “getting your affairs in order” really means, why it matters under the law, who should be involved, and when to start. What Does It Mean? Getting your affairs in order means organizing your  legal, financial, medical, and personal matters  so your wishes are clear and your loved ones are not left scrambling. Proper planning reduces conflict, protects your family, and minimizes costs later. This typically includes: Legal Affairs:  wills, trusts, powers of attorney, guardianship, and other estate/business documents. Financial Affairs:  bank accounts, property deeds, retirement accounts, debts, insurance. Medical Affairs:  advance directives, healthcare surrogates, HIPAA authorizations. Personal & Digital Affairs:  online accounts, family records, and instructions for sentimental items. Common Misconceptions “I’m too young to worry about this.”  Accidents and illnesses can happen at any time. “I don’t have enough money to need a plan.”  Even modest estates need direction to avoid probate complications. In Florida, probate is an actual court proceeding (Chapter 733) that can be costly, time-consuming, and public. Having a will or trust in place saves both money and stress. Without a plan, your estate will pass under intestate succession laws (Chapter 732), which often divide property in unintended ways. Why It Matters Peace of Mind  – Enforceable documents under state law ensure your wishes are honored. In Florida, wills must be signed and witnessed correctly (F.S. § 732.502). Reduced Stress for Family  – Without a healthcare surrogate, medical decisions may fall to a court-appointed guardian (F.S. § 765.401). Efficiency and Savings  – Trusts under the Florida Trust Code (Chapter 736) can bypass probate entirely. Intestacy guarantees probate court involvement and added expense. Legacy Beyond Property  – Legal planning is also an opportunity to leave ethical wills, letters, or oral histories for your family. When to Start? The safest answer is  now . Life events that should trigger planning or updates include: Marriage or divorce (F.S. § 732.507(2)) Birth or adoption of a child Acquisition of property Changes in health A review every 3–5 years ensures your documents reflect current law and life circumstances. Who Should Be Involved? Estate Planning Attorney  – Drafts and ensures enforceability. Financial Advisor / CPA  – Coordinates tax and financial matters. Healthcare Providers  – Help you understand advance directive implications. Family or Trusted Friends  – May be named as personal representatives, trustees, or guardians. Checklist: Getting Started Inventory assets, debts, and insurance. Identify trusted decision-makers (guardians, trustees, healthcare surrogates). Write down family contacts. Execute key documents: will, durable power of attorney, advance directives. Store originals securely. Communicate your plan to family. Schedule a consultation with an estate planning attorney. Conclusion Getting your affairs in order is not just about preparing for death; it’s about living with security and clarity. Without direction, children can be left vulnerable, assets can be lost to creditors, families can fall into disputes, and businesses may be disrupted. By acting now, you protect your loved ones from confusion, conflict, and unnecessary court involvement. Florida law provides a default plan, but it is rarely the right one for your family. With a plan of your own, you live each day with the peace of knowing your wishes will be honored tomorrow. Terra Sickler Attorney; Twig, Trade, & Tribunal, PLLC twiglaw.com

Life is our most epic adventure. The experiences we have, the people we meet, the hurdles thrown into our path — all are part of our journey. We dream about who we want to become, the places we’ll travel, and the milestones we’ll reach. But rarely do we stop to think about Death. Usually, we avoid it. It’s scary. It’s sad. It feels unwelcome. Death is often associated with fear. But aren’t we supposed to face our fears? Facing Death Instead of Fearing It Death is inevitable. None of us are getting out of here alive. So what if, instead of fearing it, we welcomed it? What if by acknowledging it, we could live more fully? By facing Death directly, we release the hold that fear has on us and give ourselves permission to live Life to the fullest. The Purpose of This Series This six-part series provides a roadmap for getting your “house” and affairs in order — legally, financially, medically, and digitally. Whether you’re 18 or 70, planning ahead creates peace of mind for you and for your loved ones. Each post will explore the what, who, when, and why of organizing life’s most important matters, with guidance from legal and financial authorities. Why Planning for Death is Really About Life Before diving into the practical steps, let’s reframe the conversation: Preparing for Death is not about fear — it’s about freedom. By planning ahead, you remove uncertainty and anxiety. What may feel like a grim exercise can actually be one of the most life-affirming things you ever do. It ensures your love, values, and intentions endure. It allows you to live each moment more fully. It frees you to focus on the “right nows” instead of the “what-ifs.” Your 700,000 Hours On average, each of us is given about 700,000 hours of life (79.9 years). The question is: how many of those will you spend simply existing, sleeping, or leaving things to fate — and how many will you spend truly living? By facing Death with clarity, we give ourselves the best possible chance to make the most of Life. Terra Sickler Attorney; Twig, Trade, & Tribunal, PLLC twiglaw.com