It’s a new year—a fresh start to improve ourselves and deepen our understanding of finances, including topics we might shy away from, like legacy and estate planning. In this first podcast of 2025, Ben is thrilled to welcome back Ashley Harmon, a Lawyer specializing in estates. Ashley will explain why having a solid estate plan is essential for ensuring your assets are distributed according to your wishes, reducing legal complexities and taxes, and protecting your loved ones.

As a lawyer with Hogarth Hermiston Severs, Ashley is passionate about helping individuals secure their hard-earned legacies and pass them on to future generations in practical, tax-efficient ways. Her expertise spans Estate Planning, Probate, Estate Litigation, Estate Administration, Adult Guardianships, and Real Estate.

As 2024 draws to a close, it's the perfect time to reflect on a year of financial and personal growth. In this episode, we explore the major financial & market highlights of the year, offer essential year-end planning tips, and share strategies to kickstart 2025 on the right foot.

We'll discuss:

• How the markets performed in 2024
• Economic challenges and key updates
• Upcoming tax information and rebates
• Practical steps for financial planning in the new year

Amid the hustle and bustle of the season, we’ll remind you of the importance of sticking to your financial plans and maintaining a long-term perspective on savings and investments.

Join us for a special Clear Money Mindset episode as we wrap up 2024 and prepare for a strong 2025!

To incorporate or not to incorporate is the question, a question with no definitive answer. In a world where starting a business has never been easier, choosing the right path can be overwhelming. A farmer or construction worker may have different considerations than a tech startup—but do they really? Today, we’re joined by the lively lawyer Sebastian Schmoranz from MSSH Lawyers. Sebastian will guide us through the intricacies of business structures, offering insights that can help protect both you and your future.

Grab a seat and take a listen as your favorite neighborhood lawyer breaks down essential topics like:

• Should you incorporate? Key advantages and disadvantages

• Taxation and liability considerations

• Partnerships vs. sole proprietorships

• Transitioning between corporate structures

• Family business succession

• Share structure

• The role of a lawyer and accountant in business setup