{"version":"1.0.0","segments":[{"startTime":0.033,"endTime":1.801,"body":"What does estate planning include?"},{"startTime":1.801,"endTime":2.669,"body":"In our last video,"},{"startTime":2.669,"endTime":3.236,"body":"we talked about"},{"startTime":3.236,"endTime":5.271,"body":"why estate planning is so important"},{"startTime":5.572,"endTime":7.04,"body":"during your lifetime"},{"startTime":7.04,"endTime":9.275,"body":"and after you pass away,"},{"startTime":9.275,"endTime":10.577,"body":"what is actually included"},{"startTime":10.577,"endTime":11.277,"body":"in that estate"},{"startTime":11.277,"endTime":14.147,"body":"plan is your revocable living trust,"},{"startTime":14.647,"endTime":16.783,"body":"your financial power of attorney,"},{"startTime":16.783,"endTime":18.918,"body":"your health care power of attorney,"},{"startTime":18.918,"endTime":20.186,"body":"your advance directive,"},{"startTime":20.186,"endTime":21.888,"body":"sometimes called a living will"},{"startTime":21.888,"endTime":23.757,"body":"and your HIPA authorization."},{"startTime":23.757,"endTime":25.625,"body":"All of these documents together"},{"startTime":25.625,"endTime":26.459,"body":"kind of provide"},{"startTime":26.459,"endTime":28.395,"body":"an umbrella of protection over"},{"startTime":28.395,"endTime":30.363,"body":"you during your lifetime"},{"startTime":30.363,"endTime":32.232,"body":"and after you pass away."},{"startTime":32.232,"endTime":34.234,"body":"So the first one is your revocable"},{"startTime":34.234,"endTime":35.101,"body":"living trust."},{"startTime":35.101,"endTime":35.735,"body":"And you've heard me"},{"startTime":35.735,"endTime":36.836,"body":"talk about this"},{"startTime":36.836,"endTime":38.805,"body":"a lot in other videos on why"},{"startTime":38.805,"endTime":39.372,"body":"I think it's"},{"startTime":39.372,"endTime":41.241,"body":"so important to have a revocable living,"},{"startTime":41.241,"endTime":43.243,"body":"trust centered estate plan."},{"startTime":43.576,"endTime":45.812,"body":"For most people out there"},{"startTime":45.812,"endTime":48.181,"body":"and basically what the trust does is it"},{"startTime":48.181,"endTime":50.617,"body":"becomes an entity of its own."},{"startTime":50.617,"endTime":51.718,"body":"It's revocable,"},{"startTime":51.718,"endTime":53.353,"body":"which means it can be amended"},{"startTime":53.353,"endTime":55.288,"body":"and changed at any time"},{"startTime":55.288,"endTime":57.157,"body":"and even completely revoked"},{"startTime":57.157,"endTime":58.858,"body":"as long as you are living"},{"startTime":58.858,"endTime":60.393,"body":"and you have capacity."},{"startTime":60.393,"endTime":63.997,"body":"And in that trust, it allows you to title"},{"startTime":64.03,"endTime":65.432,"body":"all of your assets"},{"startTime":65.432,"endTime":66.966,"body":"in the name of the trust."},{"startTime":66.966,"endTime":68.368,"body":"Why that is so important"},{"startTime":68.368,"endTime":70.403,"body":"is because everything that is titled"},{"startTime":70.403,"endTime":72.138,"body":"in the name of your trust"},{"startTime":72.138,"endTime":74.174,"body":"after you pass away or even during"},{"startTime":74.174,"endTime":74.941,"body":"your lifetime,"},{"startTime":74.941,"endTime":76.276,"body":"will be administered"},{"startTime":76.276,"endTime":78.078,"body":"by your successor trustee."},{"startTime":78.078,"endTime":79.412,"body":"And that means that"},{"startTime":79.412,"endTime":80.88,"body":"if you have nothing left"},{"startTime":80.88,"endTime":82.782,"body":"outside of your trust, in other words,"},{"startTime":82.782,"endTime":84.784,"body":"all of your assets are in your trust."},{"startTime":84.784,"endTime":86.553,"body":"There is a highly,"},{"startTime":86.553,"endTime":89.789,"body":"highly high probability that your estate"},{"startTime":89.789,"endTime":91.925,"body":"will not have to go through probate"},{"startTime":91.925,"endTime":94.561,"body":"because there's nothing to probate."},{"startTime":94.561,"endTime":96.296,"body":"Everything is in the name of your trust."},{"startTime":96.296,"endTime":97.43,"body":"And that means everything"},{"startTime":97.43,"endTime":100.033,"body":"is administered by your successor trustee"},{"startTime":100.033,"endTime":101.401,"body":"after you pass away,"},{"startTime":101.401,"endTime":103.87,"body":"leaving nothing to be probated."},{"startTime":103.87,"endTime":104.437,"body":"And that's why"},{"startTime":104.437,"endTime":105.205,"body":"I like revocable"},{"startTime":105.205,"endTime":106.372,"body":"living trust so much,"},{"startTime":106.372,"endTime":108.741,"body":"because it provides privacy"},{"startTime":108.808,"endTime":109.776,"body":"nobody needs to know"},{"startTime":109.776,"endTime":111.377,"body":"what's in that revocable living trust"},{"startTime":111.377,"endTime":113.78,"body":"except the people that are benefiting"},{"startTime":113.78,"endTime":115.081,"body":"or are required to know"},{"startTime":115.081,"endTime":116.149,"body":"what's in the trust."},{"startTime":116.149,"endTime":117.917,"body":"It doesn't have to go to the courts,"},{"startTime":117.917,"endTime":119.319,"body":"which means a probate"},{"startTime":119.319,"endTime":120.587,"body":"is not going to be required,"},{"startTime":120.587,"endTime":121.921,"body":"which means, three,"},{"startTime":121.921,"endTime":123.323,"body":"your estate is going to save"},{"startTime":123.323,"endTime":125.892,"body":"thousands of dollars on probates"},{"startTime":125.992,"endTime":127.594,"body":"depending on your jurisdiction."},{"startTime":127.594,"endTime":128.161,"body":"Probates"},{"startTime":128.161,"endTime":130.196,"body":"can cost for a very simple one,"},{"startTime":130.196,"endTime":132.432,"body":"four to seven to $10,000."},{"startTime":132.432,"endTime":134.367,"body":"We've had probates recently"},{"startTime":134.367,"endTime":136.669,"body":"in the 15,000 to $20,000 range."},{"startTime":136.669,"endTime":138.905,"body":"It just depends on your jurisdiction"},{"startTime":139.172,"endTime":141.307,"body":"and how much everybody is fighting,"},{"startTime":141.307,"endTime":142.876,"body":"which is another key"},{"startTime":142.876,"endTime":144.043,"body":"for why revocable"},{"startTime":144.043,"endTime":145.411,"body":"living trusts are so nice"},{"startTime":145.411,"endTime":148.314,"body":"because the successor trustee just does"},{"startTime":148.314,"endTime":149.616,"body":"what's in your trust."},{"startTime":149.616,"endTime":150.884,"body":"If it's going to probate,"},{"startTime":150.884,"endTime":152.952,"body":"it provides an open forum"},{"startTime":152.952,"endTime":155.155,"body":"at the courthouse for your family"},{"startTime":155.155,"endTime":156.589,"body":"to fight over your assets,"},{"startTime":156.589,"endTime":158.091,"body":"even though that may not be"},{"startTime":158.091,"endTime":159.592,"body":"what you wanted to happen."},{"startTime":159.592,"endTime":160.827,"body":"The next document is"},{"startTime":160.827,"endTime":162.662,"body":"your last will and testament,"},{"startTime":162.662,"endTime":164.931,"body":"and if you have a revocable living trust,"},{"startTime":164.931,"endTime":165.798,"body":"then your last will"},{"startTime":165.798,"endTime":166.366,"body":"and testament"},{"startTime":166.366,"endTime":169.536,"body":"is usually called a pour over a will."},{"startTime":169.769,"endTime":170.403,"body":"And you call it"},{"startTime":170.403,"endTime":171.504,"body":"a pour over will because it"},{"startTime":171.504,"endTime":172.972,"body":"literally pours"},{"startTime":172.972,"endTime":175.275,"body":"any assets kind of like a pitcher."},{"startTime":175.308,"endTime":175.909,"body":"It pours"},{"startTime":175.909,"endTime":176.943,"body":"over any assets"},{"startTime":176.943,"endTime":178.945,"body":"that are not titled in your trust,"},{"startTime":178.945,"endTime":180.613,"body":"back into your trust"},{"startTime":180.613,"endTime":181.915,"body":"so that they get distributed"},{"startTime":181.915,"endTime":184.017,"body":"according to the terms of your trust."},{"startTime":184.117,"endTime":184.751,"body":"Now, where we see"},{"startTime":184.751,"endTime":185.518,"body":"that happen"},{"startTime":185.518,"endTime":187.687,"body":"a lot is when people come to our office"},{"startTime":187.687,"endTime":189.489,"body":"and they'll do irrevocable living trust"},{"startTime":189.489,"endTime":191.09,"body":"will put all of their real estate"},{"startTime":191.09,"endTime":192.091,"body":"into their trust,"},{"startTime":192.091,"endTime":193.493,"body":"into their trust bucket,"},{"startTime":193.493,"endTime":194.46,"body":"and then they go out"},{"startTime":194.46,"endTime":196.129,"body":"and they buy a rental property"},{"startTime":196.129,"endTime":197.397,"body":"or maybe they downsize"},{"startTime":197.397,"endTime":198.464,"body":"to a smaller house."},{"startTime":198.464,"endTime":199.365,"body":"And when they do that,"},{"startTime":199.365,"endTime":199.732,"body":"they don't"},{"startTime":199.732,"endTime":200.7,"body":"tell the title company"},{"startTime":200.7,"endTime":201.467,"body":"or the real estate"},{"startTime":201.467,"endTime":203.503,"body":"agent that they have a trust."},{"startTime":203.503,"endTime":206.005,"body":"And so unfortunately, that property gets"},{"startTime":206.005,"endTime":207.607,"body":"put into their personal name"},{"startTime":207.607,"endTime":209.642,"body":"instead of the name of their trust."},{"startTime":209.642,"endTime":211.678,"body":"It gets titled in their personal name."},{"startTime":211.678,"endTime":214.08,"body":"And when that happens and they pass away,"},{"startTime":214.08,"endTime":215.181,"body":"then we do have to"},{"startTime":215.181,"endTime":218.218,"body":"unfortunately probate that one asset,"},{"startTime":218.218,"endTime":219.485,"body":"that one house,"},{"startTime":219.485,"endTime":220.22,"body":"so that it gets"},{"startTime":220.22,"endTime":222.322,"body":"put into the trust for distribution."},{"startTime":222.322,"endTime":224.09,"body":"According to the terms of the trust,"},{"startTime":224.09,"endTime":225.458,"body":"you don't want to make that mistake"},{"startTime":225.458,"endTime":226.392,"body":"because it doesn't matter"},{"startTime":226.392,"endTime":227.76,"body":"whether it's just one item"},{"startTime":227.76,"endTime":229.629,"body":"or a bunch of items that were probate."},{"startTime":229.629,"endTime":231.564,"body":"The cost is usually the same"},{"startTime":231.564,"endTime":233.233,"body":"because you left that house"},{"startTime":233.233,"endTime":234.601,"body":"out of your trust."},{"startTime":234.601,"endTime":236.369,"body":"You're going to have to spend four"},{"startTime":236.369,"endTime":237.437,"body":"to 10,000"},{"startTime":237.437,"endTime":239.339,"body":"to $20,000 to probate"},{"startTime":239.339,"endTime":241.274,"body":"that one asset into your trust"},{"startTime":241.274,"endTime":242.175,"body":"for distribution."},{"startTime":242.175,"endTime":243.243,"body":"If it had just been"},{"startTime":243.243,"endTime":244.644,"body":"in the name of your trust,"},{"startTime":244.644,"endTime":246.012,"body":"your estate would have saved"},{"startTime":246.012,"endTime":247.18,"body":"all of that money"},{"startTime":247.18,"endTime":249.148,"body":"because it would not have been necessary"},{"startTime":249.148,"endTime":250.55,"body":"to go to the probate court"},{"startTime":250.55,"endTime":251.818,"body":"for that one asset."},{"startTime":251.818,"endTime":254.087,"body":"But it's important to have that"},{"startTime":254.087,"endTime":257.19,"body":"pour over Will just in case"},{"startTime":257.19,"endTime":258.691,"body":"something like that happens"},{"startTime":258.691,"endTime":259.158,"body":"that way,"},{"startTime":259.158,"endTime":259.592,"body":"you can make"},{"startTime":259.592,"endTime":261.661,"body":"absolutely certain that your assets"},{"startTime":261.661,"endTime":262.829,"body":"are going to be distributed"},{"startTime":262.829,"endTime":264.964,"body":"exactly how you want them"},{"startTime":264.964,"endTime":265.865,"body":"to be distributed."},{"startTime":265.865,"endTime":268.034,"body":"In your trust bucket, in your trust."},{"startTime":268.034,"endTime":269.102,"body":"So the next thing is"},{"startTime":269.102,"endTime":270.903,"body":"your financial power of attorney."},{"startTime":270.903,"endTime":272.639,"body":"And we get this question a lot"},{"startTime":272.639,"endTime":273.273,"body":"Why do I need"},{"startTime":273.273,"endTime":274.907,"body":"a financial power of attorney"},{"startTime":274.907,"endTime":276.809,"body":"if I have a revocable living trust"},{"startTime":276.809,"endTime":278.578,"body":"that has a successor trustee,"},{"startTime":278.578,"endTime":279.479,"body":"just like you've heard me"},{"startTime":279.479,"endTime":282.081,"body":"say, how important a trust is to have"},{"startTime":282.148,"endTime":282.715,"body":"in case"},{"startTime":282.715,"endTime":283.983,"body":"you become incapacitated"},{"startTime":283.983,"endTime":285.184,"body":"during our lifetime,"},{"startTime":285.184,"endTime":286.719,"body":"that is why the power of attorney"},{"startTime":286.719,"endTime":287.687,"body":"is so important."},{"startTime":287.687,"endTime":289.489,"body":"So we just talked about somebody"},{"startTime":289.489,"endTime":291.224,"body":"passing away with a rental property"},{"startTime":291.224,"endTime":291.924,"body":"or a house"},{"startTime":291.924,"endTime":292.492,"body":"that not"},{"startTime":292.492,"endTime":293.76,"body":"that did not get titled"},{"startTime":293.76,"endTime":295.762,"body":"correctly into their trust."},{"startTime":295.762,"endTime":297.03,"body":"It was in their personal name."},{"startTime":297.03,"endTime":298.097,"body":"That is where"},{"startTime":298.097,"endTime":299.565,"body":"financial power of attorney"},{"startTime":299.565,"endTime":301.701,"body":"can be so powerful,"},{"startTime":302.001,"endTime":304.671,"body":"because if you become incapacitated"},{"startTime":304.671,"endTime":306.205,"body":"and your successor trustee"},{"startTime":306.205,"endTime":306.973,"body":"takes over,"},{"startTime":306.973,"endTime":309.108,"body":"their first job is obviously"},{"startTime":309.108,"endTime":310.176,"body":"to take care of you."},{"startTime":310.176,"endTime":312.912,"body":"But their second job is to gather up"},{"startTime":312.912,"endTime":314.047,"body":"all of your assets,"},{"startTime":314.047,"endTime":315.281,"body":"all of your debts,"},{"startTime":315.281,"endTime":317.784,"body":"figure out what's in your estate. Right."},{"startTime":317.784,"endTime":319.719,"body":"So if your successor trustee"},{"startTime":319.719,"endTime":321.454,"body":"is doing their job correctly,"},{"startTime":321.454,"endTime":322.655,"body":"they're going to find that"},{"startTime":322.655,"endTime":324.39,"body":"you have this rental house"},{"startTime":324.39,"endTime":326.259,"body":"or the house that you're living in"},{"startTime":326.259,"endTime":327.794,"body":"and that it's not titled"},{"startTime":327.794,"endTime":329.162,"body":"in the name of your trust."},{"startTime":329.162,"endTime":329.929,"body":"Your successor"},{"startTime":329.929,"endTime":333.066,"body":"trustee only has control over the assets"},{"startTime":333.333,"endTime":334.734,"body":"that are in your revocable"},{"startTime":334.734,"endTime":335.501,"body":"living trust,"},{"startTime":335.501,"endTime":336.202,"body":"not over"},{"startTime":336.202,"endTime":338.938,"body":"any assets that are not in your trust."},{"startTime":339.272,"endTime":341.307,"body":"So as long as you're still living,"},{"startTime":341.307,"endTime":342.975,"body":"you might be incapacitated,"},{"startTime":342.975,"endTime":344.744,"body":"but as long as you're still living"},{"startTime":344.744,"endTime":347.013,"body":"your financial power of attorney"},{"startTime":347.013,"endTime":349.515,"body":"can execute the proper documents"},{"startTime":349.515,"endTime":351.617,"body":"to transfer that rental house"},{"startTime":351.617,"endTime":352.819,"body":"or that real estate"},{"startTime":352.819,"endTime":354.62,"body":"that's titled incorrectly"},{"startTime":354.62,"endTime":356.889,"body":"into the name of your trust"},{"startTime":357.023,"endTime":359.058,"body":"while you are still living."},{"startTime":359.058,"endTime":361.127,"body":"And the reason this is so important"},{"startTime":361.127,"endTime":363.296,"body":"is because if they make that transfer"},{"startTime":363.296,"endTime":364.864,"body":"during your lifetime,"},{"startTime":364.864,"endTime":366.632,"body":"and then you pass away,"},{"startTime":366.632,"endTime":367.834,"body":"then that particular asset"},{"startTime":367.834,"endTime":370.036,"body":"that they moved over into your trust"},{"startTime":370.036,"endTime":371.371,"body":"is administered"},{"startTime":371.371,"endTime":373.239,"body":"according to the terms of your trust,"},{"startTime":373.239,"endTime":374.907,"body":"which is what you wanted"},{"startTime":374.907,"endTime":377.31,"body":"and no probate is required."},{"startTime":377.577,"endTime":379.645,"body":"So your estate does not have to spend"},{"startTime":379.645,"endTime":381.08,"body":"thousands of dollars"},{"startTime":381.08,"endTime":383.015,"body":"to move that one piece of property"},{"startTime":383.015,"endTime":384.384,"body":"into your trust."},{"startTime":384.384,"endTime":386.352,"body":"Instead, your power of attorney"},{"startTime":386.352,"endTime":387.687,"body":"probably went to their estate,"},{"startTime":387.687,"endTime":389.622,"body":"to your estate planning attorney"},{"startTime":389.622,"endTime":391.457,"body":"and had them draft up a deed,"},{"startTime":391.457,"endTime":393.192,"body":"or they went to a title company"},{"startTime":393.192,"endTime":395.161,"body":"and they spent probably $20"},{"startTime":395.161,"endTime":396.662,"body":"to actually get it filed,"},{"startTime":396.662,"endTime":400.099,"body":"all in probably two or $300 to transfer"},{"startTime":400.099,"endTime":401.968,"body":"that property from your name"},{"startTime":401.968,"endTime":403.669,"body":"to the name of your trust"},{"startTime":403.669,"endTime":405.705,"body":"versus having to probate it."},{"startTime":405.872,"endTime":408.341,"body":"And it cost tens of thousands of dollars."},{"startTime":408.574,"endTime":409.575,"body":"You see the advantage"},{"startTime":409.575,"endTime":409.909,"body":"of having"},{"startTime":409.909,"endTime":411.944,"body":"that financial power of attorney now,"},{"startTime":411.944,"endTime":413.746,"body":"and that can be for bank accounts too."},{"startTime":413.746,"endTime":415.548,"body":"I just gave the example of real estate,"},{"startTime":415.548,"endTime":417.45,"body":"but it can also be for bank accounts"},{"startTime":417.45,"endTime":419.552,"body":"or other types of financial instruments"},{"startTime":419.752,"endTime":420.953,"body":"where you need to make sure"},{"startTime":420.953,"endTime":422.822,"body":"that the designations are correct"},{"startTime":422.822,"endTime":423.489,"body":"and everything is"},{"startTime":423.489,"endTime":424.857,"body":"in the name of your trust."},{"startTime":424.857,"endTime":426.592,"body":"So the financial power of attorney"},{"startTime":426.592,"endTime":428.161,"body":"is extremely important,"},{"startTime":428.161,"endTime":429.595,"body":"has a very important role"},{"startTime":429.595,"endTime":432.565,"body":"in a properly crafted estate plan."},{"startTime":432.632,"endTime":434.734,"body":"The next document is your health care"},{"startTime":434.734,"endTime":435.802,"body":"power of attorney,"},{"startTime":435.802,"endTime":437.837,"body":"and that's the person who has charge"},{"startTime":438.037,"endTime":439.772,"body":"of your mind, body and soul,"},{"startTime":439.772,"endTime":440.907,"body":"I like to say."},{"startTime":440.907,"endTime":443.943,"body":"But again, a very important person"},{"startTime":444.377,"endTime":445.511,"body":"who is the one"},{"startTime":445.511,"endTime":447.413,"body":"who is going to be in control over"},{"startTime":447.413,"endTime":449.115,"body":"what happens to you physically"},{"startTime":449.115,"endTime":449.882,"body":"and mentally"},{"startTime":449.882,"endTime":450.383,"body":"and where"},{"startTime":450.383,"endTime":451.117,"body":"maybe you're going to be"},{"startTime":451.117,"endTime":452.819,"body":"getting treatment from doctors"},{"startTime":452.819,"endTime":454.053,"body":"who is going to be able to visit"},{"startTime":454.053,"endTime":456.923,"body":"you all extremely important things."},{"startTime":457.256,"endTime":459.225,"body":"Now, if you've done your plan correctly,"},{"startTime":459.225,"endTime":460.293,"body":"you have outlined"},{"startTime":460.293,"endTime":462.361,"body":"exactly what you want to happen"},{"startTime":462.361,"endTime":464.03,"body":"and your health care"},{"startTime":464.03,"endTime":464.73,"body":"power of attorney"},{"startTime":464.73,"endTime":466.866,"body":"will follow those directions."},{"startTime":466.866,"endTime":467.7,"body":"The next document,"},{"startTime":467.7,"endTime":468.768,"body":"along with the health care"},{"startTime":468.768,"endTime":469.368,"body":"power 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medication,"},{"startTime":492.325,"endTime":493.659,"body":"maybe you just want water"},{"startTime":493.659,"endTime":495.528,"body":"and pain medication."},{"startTime":495.528,"endTime":496.963,"body":"It's your decision."},{"startTime":496.963,"endTime":498.364,"body":"Basically, what we're talking about"},{"startTime":498.364,"endTime":500.333,"body":"here is end of life."},{"startTime":500.333,"endTime":501.968,"body":"What do you want to happen"},{"startTime":501.968,"endTime":504.136,"body":"if you are in a persistent, persistent"},{"startTime":504.403,"endTime":505.571,"body":"vegetative state?"},{"startTime":505.571,"endTime":508.107,"body":"This is a huge gift to your family"},{"startTime":508.107,"endTime":509.208,"body":"because you have made"},{"startTime":509.208,"endTime":510.476,"body":"that decision ahead of time."},{"startTime":510.476,"endTime":512.612,"body":"And this document works in conjunction"},{"startTime":512.812,"endTime":514.68,"body":"with your health care power of attorney"},{"startTime":514.68,"endTime":515.581,"body":"because they're the ones"},{"startTime":515.581,"endTime":516.282,"body":"that are actually going"},{"startTime":516.282,"endTime":518.317,"body":"to execute the documents"},{"startTime":518.618,"endTime":520.386,"body":"to follow the wishes"},{"startTime":520.386,"endTime":521.888,"body":"that are in your living will"},{"startTime":521.888,"endTime":523.489,"body":"and along with those two documents,"},{"startTime":523.489,"endTime":525.791,"body":"you also have your HIPAA authorization."},{"startTime":526.158,"endTime":527.727,"body":"So you've heard about HIPAA."},{"startTime":527.727,"endTime":529.362,"body":"Every time you go to the doctor,"},{"startTime":529.362,"endTime":530.329,"body":"you have to fill out"},{"startTime":530.329,"endTime":532.398,"body":"usually some type of HIPAA form"},{"startTime":532.398,"endTime":534.133,"body":"while your HIPAA authorization"},{"startTime":534.133,"endTime":535.468,"body":"says who"},{"startTime":535.468,"endTime":538.137,"body":"has access to your medical records."},{"startTime":538.137,"endTime":540.139,"body":"And usually always"},{"startTime":540.139,"endTime":541.14,"body":"we state that"},{"startTime":541.14,"endTime":542.308,"body":"whoever your health care"},{"startTime":542.308,"endTime":543.376,"body":"power of attorney"},{"startTime":543.376,"endTime":545.177,"body":"also has access"},{"startTime":545.177,"endTime":547.079,"body":"to all of your medical records."},{"startTime":547.079,"endTime":549.181,"body":"Extremely important document."},{"startTime":549.482,"endTime":551.717,"body":"So those are the documents that you need"},{"startTime":551.717,"endTime":553.219,"body":"for a properly"},{"startTime":553.219,"endTime":554.353,"body":"executed"},{"startTime":554.353,"endTime":557.189,"body":"revocable living trust estate plan."},{"startTime":557.423,"endTime":559.158,"body":"And that's what's included"},{"startTime":559.158,"endTime":560.459,"body":"in an estate plan."}]}