MONEY WITHOUT MATH
We're exploring how money exists in our real, daily lives, not just as numbers on a chart. From managing our emotions to caring for an aging parent, join us for conversations that are practical, sometimes philosophical, and always fresh. Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. Content represents the opinions of the speaker and not necessarily those of Raymond James. The rating is not intended to be an endorsement, or any way indicative of the advisors abilities to provide investment advice or management. This podcast is intended for informational purposes only. Important Disclosure Information: http://raymondjames.com/smicd.htm
MONEY WITHOUT MATH
Unmarried Ever After: Your Legal Reality with Joshua Charles, CFP®
If you are single or in a long-term relationship with no plans to get married, you might think that you don’t need an estate plan. After all, estate planning conversations often revolve around the married couple with 2.5 kids. But the surprising reality is that it’s even more critical for unmarried people to prioritize this planning.
Whether you are partnered but not legally married, part of the LGBTQ+ community, widowed, or simply choosing to remain single, your legal reality is that you don’t have the same rights and protections that your married counterparts do.
Karen Coyne, CFP®, teams up with financial planning professional Joshua Charles, CFP®, to give an overview of the financial and legal gaps you face and practical, actionable steps you can take to close them.
Together, they discuss everything from safeguarding assets and planning for long-term care to building a solid financial foundation—no marriage certificate required—so that you can stay happily unmarried when it comes to your money.
Key Highlights:
- Legal Gaps: Unmarried couples miss over 1,100 legal protections. Learn how this impacts areas like hospital access, tax benefits, and inheritance
- Asset Titling: Discover the importance of correctly titling assets to avoid complications
- Power of Attorney (POA): Joshua demystifies POAs, explaining their value in maintaining autonomy while delegating authority
- Unique Demographics: LGBTQ+ couples, older adults, and other groups face distinct challenges—learn the strategies they can employ
- Long-Term Care: Prepare for potential incapacitation and aging in place with effective planning tools
- Estate Planning for All: Nearly everyone needs an estate plan, whether married, single, with children or not
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Joshua T. H. Charles:
About Our Guest:
Joshua T. H. Charles, founder of Financial 360 LLC, is an experienced financial planner specializing in personalized estate and financial planning for diverse individuals, families, unmarried couples, and the LGBTQ+ community. Based in Washington, DC, Joshua’s practice spans several states, offering expertise in investment planning, estate provisions, retirement strategies, and asset protection.
With numerous credentials, including CERTIFIED FINANCIAL PLANNER™, ChFC®, CLU®, and ADPA®, Joshua provides clients with the tools and education they need for informed, long-term decision-making. He has been featured in major outlets like The Wall Street Journal and NPR, and serves as an Ambassador for the CFP® Board, frequently speaking at national events.
A graduate of Florida State University, Joshua combines his extensive experience with a passion for empowering clients to build secure financial futures.