In this episode, Ben Davies is joined by Alyssa Ismail from Century 21, Sebastian Schmoranz of MSSH Lawyers, and Rob & Sandra Zanet of Indi Mortgages. They dive into the current real estate market in the Windsor/Essex area, discussing house prices, bidding wars, mortgage rates, and more. Whether you're buying or selling a home, tune in for valuable tips and expert insights to navigate this dynamic market.

Ashley Harmon, an estate and power of attorney lawyer at Hogarth Hermiston Severs LLP, continues her insightful discussion with Ben. Ashley's experience navigating the complexities of trusts and estate planning brings a wealth of knowledge—covering both the successes and pitfalls she’s encountered in her practice.

In this deep dive, she explores common estate planning issues, including:

• The biggest mistake people make in estate planning.

• Financial indicators that suggest that it’s time to set up a trust.

• Different types of trusts.

• How certain trusts can help bypass probate, maintain privacy, or expedite asset transfers to beneficiaries.

• The potential fee structures associated with trusts.

• Strategies for second marriages—ensuring assets pass to children while providing for a spouse.

• The role of pre-nuptial agreements in estate planning.

• Essential information for those named as a Power of Attorney (POA).

• Joint finances and bank accounts—their pros, cons, and relevance in estate planning.

This discussion is packed with valuable insights, resources, and practical advice for anyone looking to build a solid estate plan. Don't miss this opportunity to empower yourself with knowledge!

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.