In this episode of Planning Reimagined, Celeste Moya and Kris Stegall discuss why routine policy reviews are one of the most overlooked tools in effective financial planning. Through a real-world case, they show how a simple review of a premium-financed life insurance policy uncovered an inefficient loan structure—saving the client $80,000 per year without changing the insurance itself.

The conversation explores how life insurance, premium financing, indexed universal life, disability insurance, long-term care, and annuities should be treated as living financial tools that require ongoing attention. Celeste and Kris also address common misconceptions around policy performance, loan spreads, crediting caps, and illustrated returns—and why complexity makes regular reviews even more critical.

This episode reinforces a core planning principle: implementation is only the beginning. Ongoing review and education are what keep strategies aligned with real-world conditions and client objectives.

Subscribe to Story of the Week(ish) for planning insights in your inbox:

https://zc.vg/P36OR

Learn more at:

https://www.robinglen.com

Disclaimer: This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.

In this episode of Planning Reimagined, Celeste Moya and Kris Stegall discuss the critical importance of proactive planning for individuals with special needs, focusing on the case of Edward Whitmore, a retired executive concerned about his son Daniel's future.

They explore the complexities of financial management for vulnerable individuals, the creation of a special needs trust, and the role of corporate trustees in ensuring financial dignity and protection. The conversation emphasizes the need for comprehensive planning that considers both financial and non-financial aspects of care, including long-term care considerations and the importance of flexibility in trust management.t.

Key Takeaways:

• Proactive planning is essential for vulnerable individuals.
• Financial management challenges often arise for those with special needs.
• Creating a safety net involves more than just financial assets.
• Corporate trustees can provide impartial management of trusts.
• Long-term care planning is crucial for future needs.
• Flexibility in trust management allows for changing circumstances.
• It's important to consider both financial and non-financial aspects of care.
• Planning should be tailored to the individual's unique situation.
• Don't delay in establishing a special needs trust.
• Engaging professional care managers can enhance support for vulnerable individuals.

Subscribe to our *Story of the Week(ish)* for planning insights in your inbox: https://zc.vg/P36OR

Learn more at https://www.robinglen.com

Disclaimer: This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.

Welcome back to Planning Reimagined, now reimagined for real-life stories, shorter episodes, and actionable insights.

In this episode, Celeste Moya and Kris Stegall share the story of Philip and Danielle Lawson (names changed), a couple in their 40s who thought their planning boxes were checked… until they realized one major blind spot: long-term care for aging parents.

When Philip’s parents, living on pensions and Social Security, faced potential care needs, the couple discovered just how quickly those costs could derail their own goals for college savings, retirement timelines, and charitable giving.

Celeste and Kris walk through:

• Why long-term care is one of the most underplanned risks in family wealth
• What Medicare and Medicaid actually cover (and what they don’t)
• The difference between traditional and hybrid LTC solutions
• How “inefficient” assets (like old annuities) can be repositioned to triple care value
• And how multi-generation planning protects not only parents, but your children’s future too

They also explore the emotional side, including how caregiving can strain families, drain assets, and fracture relationships, and what you can do now to prevent it.

Key Takeaways:

• 75% of people over 65 will need some form of long-term care
• LTC costs rise faster than general inflation (≈4.6% annually)
• Hybrid life insurance and annuity designs can turn dormant assets into 3–4× care leverage
• Proactive planning protects *three generations* — parents, you, and your kids

Resources

Subscribe to our Story of the Week(ish) for planning insights in your inbox: https://zc.vg/P36OR

Learn more at https://www.robinglen.com

Disclaimer

This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.