Jayson Walker with Netvest LLC -Part 1 - Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

🎙️ Episode Overview

Estate planning doesn’t have to be intimidating—and it’s not just for the wealthy. In Part 1 of this two-part series, host Cheryl Scheidell sits down with her longtime friend of over 30 years, financial advisor and estate planning specialist Jayson Walker of Netvest Financial, to break estate planning down in simple, real-world terms.

This episode focuses on the foundational pieces of estate planning, common misconceptions, and the costly mistakes families often make when planning is delayed or incomplete. Cheryl and Jayson explain why estate planning is about protecting your family and your home while you’re living, not just what happens after you pass away.

🧠 Topics Covered in Part 1

• What estate planning really is (and what it is not)
• Who needs an estate plan (hint: more people than you think)
• Why estate planning often feels overwhelming
• The biggest and most common estate planning mistakes
• Additional mistakes families make that create confusion later
• The difference between Wills and Trusts
• What probate is and why families try to avoid it
• How poor planning can lead to stress, delays, and unnecessary costs

🎧 Why This Episode Matters

Many families don’t realize the problems they’ve created until it’s too late—often during a health crisis or after the loss of a loved one. This episode helps listeners understand why proactive planning matters and sets the stage for Part 2, where solutions and strategies are discussed in greater detail.

📞 Have Questions About Your Own Situation?

If you’re wondering how estate planning, housing decisions, and retirement strategies work together—or if a reverse mortgage might fit into your plan—help is just a phone call away.

📱 Call Cheryl Scheidell: 480-817-4324
🌐 Website: reversemortgageandbeyond.com
📧 Email: cheryls@barrettfinancial.com

Jayson Walker, Netvest Financial
📱 602-230-8222
🏢 9059 E. Bahia Drive, Suite 100
Scottsdale, AZ 85260

🍷 UPCOMING EDUCATIONAL EVENT – LUNCH & LEARN

📍 Total Wine
🕦 11:30 AM – 1:30 PM
🍽️ Complimentary Lunch
🎟️ Limited Seating – RSVP Required

Join Cheryl Scheidell, Jayson Walker, and Lydia Wietsma, Probate Realtor with Next Home Power Realty, for an educational Lunch & Learn focused on estate planning, probate, real estate, and retirement strategies.

📞 RSVP to 480-817-4324
📧 cheryls@barrettfinancial.com

▶️ Coming Up Next

📻 Part 2 of this conversation dives deeper into:

• How trusts help avoid probate
• Planning for incapacity
• Preventing family conflict and sibling disputes
• First steps to creating or updating your estate plan

Be sure to tune in in two weeks for Part 2 with Jayson Walker.

Transcript

SPEAKER_01 0:00

Hello, welcome to Is a Reverse Mortgage Right for You, hosted by me, Cheryl Schneidemmel, NMLS number 886425. I'm a licensed mortgage loan originator with Merritt Financial. Our company is an equal housing lender. The information shared in this show is for educational purposes only and should not be considered financial or mortgage advised. All opinions expressed are my own and do not necessarily reflect those of Barrett Financial or its affiliate. For personalized guidance, please consult with a licensed financial professional. Hello everyone and welcome back. And thank you for joining me on Is a Reverse Mortgage Right for You. I'm your host, Cheryl Schneidell from Barrett Financial Group, and this is the show where we talk about smart retirement planning, protecting your home, and creating peace of mind for you and your family. Today's conversation is a special one for me. I'm sitting down with a longtime friend and business associate, some someone I've known for 30 years, and Jason Walker from Netvest Financial. Thanks for joining us today. Thanks for having me today. Jason is a leading financial advisor with deep expertise in estate planning. And today we're breaking down this topic in ways that are clear, practical, and easy to understand. So, Jason, what I'm going to do is have you start with your background and then tell us some some information about Netvest.

SPEAKER_00 1:17

Sure, sure. So first off, um uh I reign from Utah. Yes, good. Came down to uh Arizona with an uh investment banking firm in 1989 and relocated my family and myself here and uh fell in love with the state and have been here ever since. And uh started in the financial services industry in 1987, and uh uh I'm now an independent, uh which I became an independent in 99. So my partner and I uh own and operate a uh firm by the name of NetBest Financial. We are located in Northeast Scottsdale. And uh we're a full service uh and comprehensive wealth advisory firm, and we offer investment in wealth management services, estate planning, tax uh tax uh planning and uh and tax preparation.

SPEAKER_01 2:04

Perfect, perfect. So yeah, I actually met Jason through my ex-husband back in the late in the mid-90s. And um, you know, I've known him for several years, as you can tell, and um, you know, he's just been such a blessing in our life that my mom even um works with his company, so um she's been very happy with him. So let's just get an overview of um Netfest sounds like it's a one-stop shop firm. So tell us about how that how your company works.

SPEAKER_00 2:32

Yeah, so once uh once again we are working in the in the arenas of of helping people with their their investments, with their uh income and distribution strategies, uh as many uh financial advisors do, uh, where we continue on and don't leave it just at the investment planning is we also incorporate tax planning, we have a tax preparation department, and uh uh we consider ourselves, even though we're not attorneys, we consider ourselves to be uh expertise, uh experts in the area of uh of of estate planning.

SPEAKER_01 3:04

Aaron Ross Powell Okay. But I want to back up. So that's pretty cool that if they have their assets with you, financial assets with you, they can also get their tax returns done with you.

SPEAKER_00 3:13

Sure. That's awesome.

SPEAKER_01 3:14

Because then they really know the full picture.

SPEAKER_00 3:16

Yeah, and then in fact, you know, it's kind of funny, uh, as I'm sitting down and doing reviews with my clients, and we we certainly are talking about performance of investments and and risk and and uh we're um require minimum distributions and all the different uh things that we do as financial advisors. Uh I find uh uh a lot of those conversations gravitate more toward taxes.

SPEAKER_01 3:38

Aaron Ross Powell Interesting.

SPEAKER_00 3:40

Um, to to a degree uh uh asset allocation investments are are I can't say that it's uh it's a commodity, but but they are what they are. A higher tide floats all boats higher and a low tide floats all boats lower. And so we we talk about investments and and strategies, but a lot of my conversation is about taxes and and uh different tax strategies of of what we're able to do. And then of course, uh I I think we've built our our entire practice is really built on the foundation of uh of estate planning, first and foremost, and then we gravitate to there for taxes and and and wealth management.

SPEAKER_01 4:19

Trevor Burrus And we're gonna get into that, but I do want to say a side note that I really love how you take care of your clients because when the market goes up and down, you're able to talk people off the ledge.

SPEAKER_00 4:29

Trevor Burrus, Jr. I I I I say actually we are our site we're we're really financial psychologists, so to speak. Trevor Burrus, Jr.

SPEAKER_01 4:36

Exactly.

SPEAKER_00 4:37

So uh behavioral finance is uh is a is a big thing that we we deal with. You know? Uh during uh and you so I started in the business of eighty-seven.

SPEAKER_01 4:47

Right.

SPEAKER_00 4:48

And uh uh June of eighty-seven I lived through the uh through Black Monday. Right. Of course I had only been in the business for less than six months. Oh my gosh. Uh and then of course uh uh 2000, 2001, 2002, the dot-com bust was was was challenging. 2008, uh the financial crisis was challenging in and of itself. They made a little bumps uh along the way, and then of course uh COVID in 2000 and then uh twenty-two. So I've uh you know I think over the last hundred years, uh I've I've those five uh the five biggest events, if we're counting 1929 crash than uh than I've I've experienced in my I've weathered through four of them.

SPEAKER_01 5:27

That's awesome. That's awesome. All right, well so let's get into estate planning. We often hear the phrase estate planning, but for many people it sounds intimidating and daunting. So what exactly is estate planning and why is it so important for people to do?

SPEAKER_00 5:40

Well, uh you know, an estate plan doesn't necessarily need to be a trust the way that uh that a lot of people think. So estate planning could be as simple as understanding what your needs and objectives are, the size of your estate, and making sure that you have a plan. I would actually say the biggest mistake that I think that that I see out there is uh twofold. It's people that have done nothing. And then it's the ones that have done something but they don't really understand it and it isn't what they think it is.

SPEAKER_02 6:11

Okay.

SPEAKER_00 6:12

And they haven't really, you know, taken the time to truly understand and and and dissect their situation. I think they may have uh either been a do-it-yourselfer and done something online, or they may have even gone to an attorney and and the the documents, it's not that there's anything wrong with the drafting of the documents, it's that maybe it's not in in real coordination with the assets. So we're seeing often where there is a disconnect from the plan and the investments themselves.

SPEAKER_01 6:45

Okay. So uh this is a little side note. What's your youngest client? I mean, you take clients of all ages. What's your youngest?

SPEAKER_00 6:51

You know, we have uh um uh you know, one of the things that we brag about is that uh one of our clients is a fifth generation client.

SPEAKER_02 6:59

Oh wow.

SPEAKER_00 7:00

So um, you know, we see uh we deal with some some grandchildren. Okay, and when they become of age, whether it's a uh uh a custodial account for for a minor, and once they become uh in the age of uh of twenty one in the state of Arizona, then uh those accounts become theirs. Okay. And uh many of them choose to continue to do business with us because we communicate with and and serve our clients.

SPEAKER_02 7:26

That's perfect.

SPEAKER_00 7:27

So uh I would say the majority of our clients certainly are are retirees. Um they're either retired or they're approaching retirement, but uh we really deal with uh all sizes and shapes and and all ages, okay. So to speak. Um you know there's some firms out there that uh that have minimums of of a million or a half a million.

SPEAKER_02 7:48

Okay.

SPEAKER_00 7:49

Um we haven't set a a minimum.

SPEAKER_01 7:52

Okay. Um so someone just starting out could work with you.

SPEAKER_00 7:56

Uh-huh. Now and and you know, if they're going to be better served by by by going to Schwab or Fidelity or Vanguard, um then we'll be the first people to tell them you know what? Maybe you'd be better served over there because uh of uh you don't have quite enough going on, but but you know, we want to certainly plant a seed for for the future.

SPEAKER_01 8:15

Right, right.

SPEAKER_00 8:16

Uh we like to treat everybody uh uh with uh with respect. We don't push and we educate and and and it's uh worked for us for for thirty years.

SPEAKER_01 8:25

Good. And while we're on that topic and we're getting into it, from time to time you guys do your events like um to educate on this as well.

SPEAKER_00 8:32

Aaron Ross Powell Yeah, we actually uh during the um oh seven months out of the year, we do a uh a seminar, dinner seminar, uh which is entitled uh Trusts and Beyond.

SPEAKER_02 8:43

Okay.

SPEAKER_00 8:44

And uh we do that at some of the the nicer restaurants usually in North Scottsdale.

SPEAKER_01 8:48

Aaron Ross Powell So people could call the office and say after they hear the show and say, hey, we want to sign up for the next one to learn more.

SPEAKER_00 8:53

Aaron Ross Powell Sure. They could be uh they could talk to me. Um uh I could put them on our list for we'll probably start up again in September. Okay. And would uh it's a it's a great way to get introduced to to estate planning.

SPEAKER_01 9:04

Aaron Ross Powell Yeah, because I know I brought a couple of people to that and it's worked out, so okay.

SPEAKER_00 9:09

Yeah, it's it's a great uh it's a you know 90-minute seminar. Uh we we we serve or we don't serve. We have a nice dinner served by Capitol Grill or Mastros or wherever we're at, and uh and uh we're speaking the entire time, so it's not a three-hour event. And uh more than anything, it's uh uh hopefully to uh uh educate. And um whether somebody has an estate plan or doesn't have an estate plan, there's a little bit of something for everyone, and that's why there's really 90 minutes of of of material.

SPEAKER_01 9:40

Well I know I always take something away for sure whenever I've gone to those. So if you're just tuning in, you're listening to Is a Reverse Mortgage Right for You, I'm Cheryl Scheidel with Barrett Financial here today with Jason Walker of NetVets Financial. If you have questions about your own situation for a reverse mortgage, or just want to go over um your mortgage needs or how a reverse mortgage might fit in your overall plan, call me at 480-817-4324. That's 480-817-4324, or visit my website, reverse mortgageandbey.com. All right, so we're moving on, Jason. Now we're gonna talk, we've kind of briefly maybe said some things here, but in your experience, what are some of the biggest and most common mistakes people make regarding their estate plan? Maybe not starting at all, right?

SPEAKER_00 10:29

Yeah, yeah, I think uh uh the biggest mistake is not doing anything at all. And uh, you know, uh just recently I have uh one of my children had a friend that passed away. Oh no. Um cancer, lost battle with cancer, and you know, um didn't really think about anything uh uh about it, about questioning her about uh her friend's situation until until really the memorial was being set. And I said, uh, you know what, uh tell me about and there's a 40-year-old gal.

SPEAKER_02 10:57

Right, okay.

SPEAKER_00 10:58

So um unfortunate. But um I said, you know what? Uh so come to find out she's uh single, has a 20-year-old child and uh a long-term significant other, but they're not married. Okay. And uh uh she said, you know what, they have a house. And I said, Well, how okay, what else is there? And she goes, I don't know.

SPEAKER_02 11:19

Yeah.

SPEAKER_00 11:19

And so uh uh it's public record. So I said, Well, let's look it up and uh give you something to to to you know plant a seed with with the gentleman.

SPEAKER_02 11:28

Right.

SPEAKER_00 11:28

Um and come to find out, uh uh on public record, I could see the house and I could see that it was in the name of the decedent and in the name of the significant other that is living. And uh the deed was drafted by some attorneys in Ohio back in 17. Oh no. And you know what? Uh they titled it as joint tenants, period. Okay. Not joint tenants with rights of survivorship. Okay. And uh maybe that was the intent. Uh maybe the idea was that the sir the significant other would continue to own his half and that her half would be uh handled by her estate. Okay. Okay. But uh because it's not in trust, her half now, he's gonna find himself now where uh if she didn't have anything in place, which it sounds like she didn't, then her half of the house uh will be subject to probate. Right. You'll have to go through that process, and more than likely if she doesn't have a will, the state will give her a will.

unknown 12:28

Okay.

SPEAKER_00 12:29

I'll dine intestate. Okay. And uh uh through the through the legal process, uh more than likely that twenty-year-old child, who also lives in the house with the significant other, by the way.

SPEAKER_02 12:40

Okay.

SPEAKER_00 12:40

Right? Come to find out.

SPEAKER_02 12:42

Okay.

SPEAKER_00 12:43

Um uh the house probably will become his, the half of it.

SPEAKER_02 12:49

Okay.

SPEAKER_00 12:50

Okay. But there's also a mortgage, and I don't know the details on that. Oh my gosh. But the uh surviving uh significant other that owns half of the house is now uh um gonna be making that payment all on their own. Right.

SPEAKER_01 13:04

So there's two incomes anymore.

SPEAKER_00 13:06

Correct. And so there's some some some there's some problems there.

SPEAKER_01 13:09

Yeah.

SPEAKER_00 13:10

And maybe that was the intent. Now, if the intent was for him to receive her whoever passed first, if the intent was then that should have been titled in Joint Tenants with Rights of Survivorship.

SPEAKER_01 13:21

Yeah, and that's why it's important to know all these these term the the terminology here. And that's why our listeners you know I am always talking about being proactive. So here's a perfect example of why you need to call Jason up and be proactive. Um and we're not going to talk cost here, but I'm just telling you right now, the cost is much better than being in probate for a year, you know what I mean? We're we won't talk cost, but it's just like why do people not plan ahead? Because they think the cost is too much, but it's just like, you know, plan ahead.

SPEAKER_00 13:52

I it cost is one thing, but I think uh facing one's own mortality is is uh not the most pleasant thing.

SPEAKER_01 13:59

Right. Or they think they might manifest something to happen. Sure. I know that's come up with people. Yep. You know. So um so we hear mostly about wills and trusts. What's the difference? I mean, I think you kind of talk started talking about that, but then also beneficiary deeds, that comes up. Can you can you kind of weave all that in together?

SPEAKER_00 14:16

Yeah, yeah. So first off, a will is a legal document that's drafted that that is uh designed to uh express your wishes of how you'd like your things distributed. Also, instructions, okay. Also the uh who you would like to uh be as your personal representative. We always recommend to have not just choose one person, but maybe choose one or two alternates in case someone is unwilling or unable to serve as a personal representative of the will. Um I think uh some of the biggest misconceptions where a will is concerned, uh and I've heard it for for 30 years, is um some people's perception is that a will is is what should be done and that's all they need to do. And and that's a mistake because uh we have a saying, and that is that a a will will go through probate.

SPEAKER_02 15:06

Okay.

SPEAKER_00 15:07

And so uh you know, when we talk with people and we do our our complimentary reviews when we're meeting somebody. Uh so by the way, when we are meeting somebody new, then you know we're not charging an hourly fee to sit down and to to to to get to know one another.

SPEAKER_02 15:23

That's good.

SPEAKER_00 15:24

We sit down and and where we start is is is asking and and trying to find out who they are as people and uh really understanding the fam family dynamics, uh getting trying to get an idea of what their end in mind is, what their objectives are. And then we start taking some inventory of of assets. And and when we go through this process, and it's the same process whether in fact when we go into this process, we aren't um making a a a decision in advance if they should do a will or they should do a trust. Um because we'll be one of some of the first people that will tell some people that, you know what, a trust um may be more than you need.

SPEAKER_02 16:06

Oh, okay.

SPEAKER_00 16:07

So uh you know, we want to avo avoid probate. Right. And maybe we'll talk here a little bit in in a second about what probate is. Right. Because a will, any assets that are in a person's deceased name will go through probate if it's a titleable asset.

SPEAKER_02 16:20

Okay.

SPEAKER_00 16:21

Some level of probate, by the way.

SPEAKER_02 16:23

Okay.

SPEAKER_00 16:24

Um and probate can be avoided and should be avoided. Yes. So a trust uh a properly funded trust, uh those assets will bypass probate. Okay. Uh assets that are left not in a trust, and if they're just in a in the name of a deceased party where there isn't any right of survivorship, those are gonna be subject to either uh formal probate, informal probate, or maybe a small estate affidavit potentially. But there's gonna be some some process.

SPEAKER_01 16:54

Yeah. I just had a friend who her husband passed away over a little over a year and she's going through probate.

SPEAKER_00 17:00

So statistically, probate on average is about a nine to twenty-four month period of time.

SPEAKER_02 17:05

Oh wow, okay.

SPEAKER_00 17:06

Certainly a simple, simple probate, four months is the minimum because uh from start to finish it might be there there's a four-month window uh for creditors to uh to to come back if there's any uh any any liabilities that need to be settled.

SPEAKER_01 17:20

Aaron Ross Powell Now you said something very key and bring up two things. So you said funded, because I know there are some some financial advisors out there or attorneys out there that they'll do all the paperwork, but then they don't fund the trust. So there's that. So do you want to speak on that? Trevor Burrus, Jr.

SPEAKER_00 17:38

Sure. Uh one of the big mistakes we see are people that come in and have um have a trust and they think that they have their T's crossed and their I's dotted. And as we go through this uh our complimentary review where we're taking inventory, um you know, this is not a an exercise to weigh and measure and judge anybody based on their their net worth and their financial situation. It's really an understanding of what they own and how they own it. Right. So in the world of estate planning, uh title and registration is is paramount. Okay. So as an example, um if someone has a trust but they haven't gone to the extent of of uh titling anything into the trust, then you have really, for all intents and purposes, you have a a box that was created and it's an empty box. Right. Now in most cases with a with a complete estate plan, there's going to be a last will and testament that accompanies the trust. Okay. If if drafted the way that uh that is advised. And that will is what's known as a pour over will. Okay. And pour over will basically says that after you go through the process of of getting control of those assets that are to be be poured over into the trust and managed as per the trust.

SPEAKER_02 18:56

Okay.

SPEAKER_00 18:57

So, you know, I a year years ago I had a had a prospective client that came in, a referral, large estate. He was in five different states, had businesses, had properties. He was in uh five different states, uh a large estate, twenty million dollars, and he brought his trust with him, and it was I I it was twelve inches thick. This thing is was huge. And uh as as I were going through this process of taking inventory, um we discovered that he didn't have a darn thing funded. Funded Oh my gosh. So I said, you know what, I it it just doesn't make sense to me. Why you would and and you know what, he paid big money for this twelve-inch document.

SPEAKER_01 19:36

Oh my gosh.

SPEAKER_00 19:36

In excess of twenty thousand dollars. Yeah. And so he's gonna be subject to probate in five states.

SPEAKER_01 19:44

Oh my gosh.

SPEAKER_00 19:45

But there's something he can do about it now. Sure. The answer is to get everything into the into the trust properly. Trevor Burrus, Jr.

SPEAKER_01 19:50

So that's why people need to have them reviewed. Absolutely. Every what, three years, two to three, four years? You know, any time there's a life change. Right. Somebody passes, somebody is born, somebody gets divorced.

SPEAKER_00 20:01

Or a relationship changes. You know, sometimes uh people are naming their children as as trustees, uh successor trustees, that is, and things happen. Yeah. So so they should be reviewed from time to time. Uh to finish the story about the $20 million estate, I asked him, I said, what what why haven't you funded this? And he said, Well, because of the waterfall provision.

SPEAKER_02 20:24

What?

SPEAKER_00 20:24

And I said, What are you talking about? And he says, the waterfall provision. The attorneys told me, you know what, by the way, the attorney probably didn't tell him this. What he heard was, hey, this poreover will is a giant safety net that's going to capture everything and everything's gonna just waterfall and trickle into your term, right? Okay. So I'm sure that uh uh uh an attorney would not say that, that that that you don't need to do anything. Uh but what he heard was, hey, I don't have to do anything because I have this pore-over will.

SPEAKER_02 20:53

Yes. Oh my gosh.

SPEAKER_00 20:54

Aaron Ross Powell, Jr. So a will is a legal document that that that puts all these things together. But um, you know, if one relies on the will and doesn't do any other planning, then if they have assets, they will go to probate.

SPEAKER_01 21:08

Aaron Powell Okay. Let me ask you one quick question on that. Because I hear people we're talking about funding, but then you might have everything funded into the trust, but then one little account might be missed going into the trust. Does that one account go into probate or does the whole thing go into probate?

SPEAKER_00 21:25

Just just the probate estate would be that one thing that is late. Okay.

SPEAKER_01 21:29

Okay. So all the other stuff is okay. They might just have to wait time for that one item to go through probate. Right. Okay. Gotcha. Okay.

SPEAKER_00 21:36

So probate can be avoided even with or without a trust, even if it is an account that is not titled in the trust with uh a transfer on death construction. Um, we're always using acronyms in our business. So T O D, which is an acronym for transfer on death, would be for securities accounts that are held in a In a person or a in in in individual names and not in the name of the trust.

SPEAKER_02 22:04

Right, okay.

SPEAKER_00 22:05

A POD, which is payable on death, is for cash accounts. So bank accounts, CDs, money markets, if if held at a bank and not in a brokerage firm, can be passed along. In a sense, a POD and a TOD supersedes the will. Okay. And depending on who a person puts as the beneficiary of the TOD or the POD, um uh if they have a trust, and I'll give you an example of where we recommend our clients to do a POD for their bank account, even though they have a trust. Right, okay. But um for people that where we feel that a trust is overkill that's more than they need, but we're yet wanting to avoid probate, then if they own a piece of property, then in the state of Arizona you can do a transfer on death deed. Okay. Okay, and we can we can delve into that if you like. But then their IRAs already bypass probate.

SPEAKER_02 23:05

Okay.

SPEAKER_00 23:06

Um whether it's a traditional or a Roth, uh, their 401ks, if they're still active, then uh then those bypass probate. Uh uh annuities bypass probate, and so does life insurance. And now we have payable on death for banks, uh TOD for for for investment accounts. And uh uh you know, a very popular question we get all the time is what about my car?

SPEAKER_01 23:29

Right. Oh, yeah.

SPEAKER_00 23:30

What what about my car? Because a t a car is a titleable asset. Right, right, right. Well, uh you not every state offers this, but the state of Arizona does. The Arizona Department of Transportation has a transfer on death form for your car. Good to know.

SPEAKER_01 23:45

Good to know. Um and then we'll get into beneficiary deeds when we come back because we have to wrap up here. So if people want to get reach out to you, how do how can they do that?

SPEAKER_00 23:56

Um my phone number, uh uh again, I'm located in North Scottsdale, 602-230-8222.

SPEAKER_02 24:03

Okay.

SPEAKER_00 24:04

Uh you can find us online at uh www.netvestlc.com.

SPEAKER_02 24:09

Okay.

SPEAKER_00 24:10

And uh or email me. That would be Jason, J-A-Y-S-O-N at netvestlc.com. Okay, perfect. I just showed my age there with the WWW. That's okay.

SPEAKER_01 24:20

That's funny. Jason, thank you so much for joining us today. That was incredibly insightful. And to our listeners, when the state planning, retirement income, and housing decisions work together, they create confidence, stability, and peace of mind. And we're being proactive here. So this conversation continues. I'm gonna bring Jason Walker back from NetVest Financial in a couple of weeks. Um, so you'll want to tune in to learn more and we'll go deeper into protecting your family, your assets, and your future. But before I close, I want to personally invite you to an upcoming lunch and learn in the East Valley at Total Wine at Santan Village. That's gonna be Tuesday, July 28th from 1130 to 130. It's a complimentary lunch, so I got to get an RSVP from you. And I'm gonna have um Lydia Wheatzma, a probate realtor with Next Home Power Realty. She's gonna be educating on probate and real estate strategies. So RSVP to me at 480-817-4324 to learn about reverse mortgages. Uh Cheryl S at Barrettfinancial.com. I'm Cheryl Scheidel, and this is if a re is a reverse mortgage right for you. Until next time, plan smart, stay informed, and take care. Again, this is Cheryl Scheidell, NMLS number 886425 with Barrett Financial, an equal housing lender. Please remember that loan programs, rates, and eligibility guidelines are subject to change and may vary based on individual circumstances. Nothing discussed in this episode constitutes a loan offer or credit decision. Any examples or scenarios shared are strictly for illustrative purposes. All loans are subject to credit approval and underwriting conditions.