A clean slate year deserves a clean estate plan. We kick off 2026 by pairing a smart investing filter—ask "How does it go wrong?"—with a step-by-step review that keeps your family out of probate and your intentions front and center. From misspelled beneficiary names to solo-titled checking accounts and houses that slipped out of the trust after a refinance, we unpack the quiet mistakes that create the loudest problems and show you exactly how to fix them.

We walk through the core documents most families need: a revocable living trust and pour-over will for after you're gone, plus an advance healthcare directive and durable financial power of attorney for the moments when you're alive but unable to act. You'll learn how beneficiary designations override wills and trusts, when to use spouses as primaries and trusts as contingents, and how to navigate blended families, multiple trusts, and amendments without tripping over old paperwork.

We also get practical about titling: joint ownership vs. trust titling, transfer-on-death designations, and the county-level deed work that quietly determines whether your estate is private and timely or public and delayed. Beyond documents, we talk people and philosophy. Choosing a trustee is more than an honor—it's a responsibility—so we share criteria to select the right person, why parents may no longer be the best option, and how to pass your human values to a trustee who can apply good judgment.

We weigh rigid distribution schedules against flexible, need-based standards that support education, health, and real opportunities without fueling self-sabotage. Then we close with storage and access: digitize, use a fire-resistant safe, share locations, and equip your trustee and agents with your attorney's and advisor's contacts so the first calls are easy.

KEY TOPICS:
Asking "How does it go wrong?" as an investment filter
Correcting beneficiary names and titling errors
Why beneficiary designations override trusts
Primary vs contingent beneficiaries with intent
Selecting trustees who can actually serve
Recording deeds into the trust after refinance
Advance healthcare directives and durable POAs
Digitizing and storing documents for fast access

Ready to get organized? Set a Q1 date to review beneficiaries, confirm titling, re-record deeds if needed, and refresh your directives and POAs.

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

[00:00:00] Disclaimers And New Year Focus
[00:06:03] Beneficiary Name Errors And Fixes
[00:13:05] Primary vs Contingent And Blended Families
[00:20:26] Distribution Design Without Harm
[00:30:28] Where To Store And Share Documents
[00:36:48] Final Checklist And Calls To Connect

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

What if wealth had less to do with a number and more to do with what people remember about you? In this episode, we pull back from the spreadsheets and dig into three pillars that actually make life feel rich: an intentional legacy, a habit of learning, and one relationship you're willing to improve.

Legacy isn't a lump sum; it's the why behind your choices. We talk through practical ways to design impact now instead of only planning for later—funding shared experiences that become family stories, or structuring support that passes on values, not just assets. From reimbursing tuition for goals met to mentoring a first business with accountability, we explore how money can be a bridge for character, resilience, and connection without becoming a tool for control.

We also turn to education as a lifelong advantage. With access at an all-time high, learning can be a library course, a professional certification, a serious approach to a hobby, or a deep dive into a new field that keeps your mind sharp in retirement. Curiosity compounds: it widens your network, lifts your confidence, and increases the odds you'll be useful at the right moment. We connect learning to belonging, showing how breadth of knowledge opens doors to richer conversations and more meaningful community.

Finally, we challenge you to pick one relationship to renew this year. Whether it's a spouse as the nest empties, a child you can't quite reach, or a friend you've drifted from, small consistent actions change the story. True wealth shows up as contentment, service, and presence—the kind that endures when markets swing and milestones pass.

KEY TOPICS:
Defining legacy through purpose, not amounts
Designing experiences vs writing checks
Using money to teach values with accountability
Education as a lifelong, accessible practice
Curiosity as a connector and resilience builder
Choosing one relationship to repair this year
Wealth as contentment, gratitude, and service

The numbers still matter; our job is to make them efficient so your values can do the heavy lifting.

👉 Subscribe, share with someone you care about, and comment: What legacy are you building on purpose this year?

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Setting Intentions For Wealth
[00:06:57] Cash Inheritance vs Impact
[00:20:55] Aligning Help With Family Culture
[00:30:16] Education As Lifelong Practice
[00:38:28] Connection Through Learning
[00:41:05] The Belief Window Reference

Calm statements aren't the same as safe portfolios. In this episode, we sit down with Cliff Ambrose, a New York-based planner and author of the Yield to Maturity newsletter, to unpack the growing hype around private credit and private equity and the subtle ways classroom theory diverges from real-world practice. We take aim at the comforting language of "volatility smoothing," the promise of illiquidity premia, and the exclusivity pitch that often sells these products to younger investors.

We walk through a live example of a private vehicle marked near $24 that traded closer to $16 once it listed, illustrating how volatility isn't eliminated—just hidden until price discovery arrives. From there, we get specific: fee stacks that bill on NAV even when market prices fall, structures that embed leverage, and redemption terms that look fine in calm markets but fail when you most want flexibility.

We also cover the unglamorous but critical details—K-1s, delayed tax filings, and the real "return on hassle" that can eat into headline yields without warning. Rather than declare privates good or bad, we draw a line between investors who can underwrite these risks and those still building their foundation.

For most younger professionals, the durable edge is a simple, low-cost public core, consistent saving, and clear rules for rebalancing. For high earners with eight-figure net worth, carefully sized private satellites might add diversification or manager-driven alpha—if diligence is ruthless and expectations are honest.

KEY TOPICS:
The $24 marked vs $16 traded example
How "volatility smoothing" hides risk
Fee stacks and NAV-based billing
Embedded leverage in private structures
Redemption terms that fail under stress
K-1s and tax filing headaches
Illiquidity premium: myth vs reality
Who should (and shouldn't) own privates
Building a public core first

The takeaway is straightforward: do the easy things first, earn your seat at the table, and don't mistake opacity for safety.

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Disclaimers And Introductions
[00:05:08] The Allure Of Private Investments
[00:10:35] Case Study: NAV Vs Market Price
[00:19:00] Return On Hassle And K-1 Headaches
[00:26:55] Democratization Or Dilution Of Edge
[00:29:30] Due Diligence Over Hype
[00:33:00] Closing Thoughts And Next Steps