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Thoughtful Planning

Thoughtful Planning

De : Santiago and Honey Bueno
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 Life doesn’t always go as expected. That’s why planning for contingencies is so important. The Thoughtful Planning podcast will help you understand why having these conversations, and making these decisions are so important. Putting a plan in place gives your family peace of mind knowing and understanding your choices. Reduce stress and anxiety about finances, insurance, and your final wishes. Husband and wife hosts Santiago and Honey Bueno share the steps they’ve taken and explain the questions they are still considering. Create a plan now, while you’re able to thoughtfully consider how you’d like things handled. Santiago and Honey share advice with compassion and understanding. They know that hard conversations need to happen, but you don’t have to be alone as you begin your planning Journey.@Legacy Toolkit LLC 2024
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    Épisodes
    • Why Some Addresses Have Hidden Money (And How to Check Yours) S2EP44

      Why Some Addresses Have Hidden Money (And How to Check Yours) S2EP44
      Jun 17 2025
      Episode Summary: Could a forgotten power bill from a co-op be holding money that rightfully belongs to you or your loved ones? In this episode of Thoughtful Planning, Honey explains how capital credits from electric cooperatives work, why they matter, and how they can go unnoticed for years. She shares her personal experience of moving frequently as a military family and how failing to document known co-op balances could have left her family in the dark. Learn the questions to ask, what to document, and how to protect this often-overlooked piece of your estate plan. Disclaimer: This episode is for educational purposes only. Please consult a local professional for specific guidance for your needs. Essential Question: What capital credit accounts might be quietly building in the background? And have you made it clear enough that your family would know how to find and claim them if needed? Episode Highlights: How co-op electricity providers return profits to customers as capital credits Why your co-op may owe you money even years after you've moved The $600 Honey and Santiago have in capital credits across two homes in Fargo What a POD (payable on death) form is and how it helps What to document: co-op name, contact info, account number, payout policy, balance, and more The importance of annual follow-up and setting reminders Why some co-ops don’t offer beneficiary forms (and what to do about it) Advice from Host: Start by searching your former city or state and “+ electric cooperative” to see if you’ve been served by one. Then call or visit the co-op’s site to look for capital credit policies. Ask if they offer a beneficiary form and document everything clearly. Share this information with your executor or a trusted family member. Lastly, add an annual reminder to follow up, especially if the credits are not immediately payable. Conclusion: It’s not just the big accounts or legal documents that shape your legacy. Even money sitting in a co-op account can matter when it comes to helping your family avoid confusion. Documenting your capital credits ensures your loved ones don’t miss what’s already yours. Resources Shared: Unclaimed Property – Texas Comptroller If a co-op can’t reach you, capital credits may be turned over to the state. 🔗 https://claimit.texas.gov MissingMoney.com Double-check for any co-op credits that may have already been turned over to the state. 🔗 https://www.missingmoney.com Connect with Thoughtful Planning Hosts, Santiago & Honey: Website: https://www.legacytoolkit.com/podcast Facebook: https://www.facebook.com/legacytoolkitwithsantiagoandhoney LinkedIn: https://www.linkedin.com/company/legacy-toolkit Thank You for Listening! Don’t forget to subscribe, leave us a review, and share this episode with a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices
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      12 min
    • The Money Nobody Knows They Have: Why Your Family Might Have Hidden Cash Waiting to Be Found S2EP43

      The Money Nobody Knows They Have: Why Your Family Might Have Hidden Cash Waiting to Be Found S2EP43
      Jun 3 2025
      Episode Summary: What if you or someone you love has money sitting out there, completely forgotten and legally yours? In this episode of Thoughtful Planning, Honey shares a real-life story of discovering hidden funds and breaks down what unclaimed property is, why it happens, and how you can check for it. This isn’t a get-rich-quick gimmick. It’s a reminder that thoughtful planning includes knowing where all your assets are - even the ones you’ve forgotten about. Disclaimer: This episode is for educational purposes only. Please consult a local professional for specific guidance for your needs. Essential Question: What if there’s money waiting for you or your loved ones that you don’t even know exists? Episode Highlights: A $100 surprise found for Honey’s hairdresser and $400 more for her father The dormancy period explained: what it is and why it matters Examples of unclaimed property: life insurance, bank accounts, utility deposits, capital credits, and more The $70+ billion sitting with states and how to search for your share Why even estates with a will may miss this money if it’s not documented Advice from Host: Include a search for unclaimed property in your annual planning process. It only takes a few minutes and could result in money you didn’t know was missing. Help your executor or family by documenting all financial accounts and making sure beneficiaries are clearly named. This reduces the chances that your hard-earned assets wind up in unclaimed property. Conclusion: Unclaimed property is more common than people realize, and it affects both the living and the deceased. With just a little effort and awareness, you can ensure that what’s yours stays with you or reaches your loved ones. Organization isn’t about perfection it’s about peace of mind. Resources Shared: MissingMoney.com Search multiple states for unclaimed property in one place. 🔗 https://www.missingmoney.com NAUPA (National Association of Unclaimed Property Administrators) Find official unclaimed property sites for every U.S. state. 🔗 https://www.unclaimed.org Texas Comptroller – Unclaimed Property Search for and claim unclaimed property in the state of Texas. 🔗 https://claimit.texas.gov Connect with Thoughtful Planning Hosts, Santiago & Honey: Website: https://www.legacytoolkit.com/podcast Facebook: https://www.facebook.com/legacytoolkitwithsantiagoandhoney LinkedIn: https://www.linkedin.com/company/legacy-toolkit Thank You for Listening! Don’t forget to subscribe, leave us a review, and share this episode with a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices
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      7 min
    • The Most Powerful Gift You Never Knew You Could Give: Understanding Brain Donation S2EP42

      The Most Powerful Gift You Never Knew You Could Give: Understanding Brain Donation S2EP42
      May 20 2025
      Episode Summary: When most people think about leaving a legacy, they imagine money, possessions, or family traditions. But what if one of the most meaningful gifts you could leave behind is something most people never even consider — your brain? In this episode, Honey explores the rarely discussed topic of brain donation, including how it differs from organ donation and how it can contribute to groundbreaking research. She shares her and Santiago’s personal experience learning about the SPARC program and walks through key considerations if you’re thinking about making this unique and impactful gift part of your end-of-life planning. Disclaimer:This episode is for educational purposes only. Please consult a local professional for specific guidance for your needs. Essential Question: What if the most valuable gift you could leave behind isn’t in your bank account — but in your skull? Episode Highlights: The difference between organ donation and brain donation Why both healthy and affected brains are vital to research An overview of SPARC and how it supports military-related brain research What Honey learned by calling Harvard’s Brain Tissue Resource Center Questions to ask when researching brain donation programs Advice from Host: Start your research now while you’re clear of mind. Ask important questions — some programs may request medical history or have specific criteria. Talk to your family and document your wishes in your planning documents. Most likely, you can still have the funeral or burial of your choice, and most programs are free. Conclusion: Your will distributes what you own — but brain donation extends what you know. This gift has the potential to unlock answers, drive research, and bring healing to families for generations to come. It’s never too early to consider how your legacy might live on through science. Resources: SPARC: https://www.sparc-community.org/ Harvard University Brain Bank: https://hbtrc.mclean.harvard.edu/brain-donation/info/ VA Biorepository Brain Bank (VABBB): https://www.research.va.gov/programs/tissue_banking/control/default.cfm Brain Donor Project: https://braindonorproject.org/ Connect with Thoughtful Planning Hosts, Santiago & Honey: Website: https://www.legacytoolkit.com/podcast Facebook: https://www.facebook.com/legacytoolkitwithsantiagoandhoney LinkedIn: https://www.linkedin.com/company/legacy-toolkit Thank You for Listening!Don’t forget to subscribe, leave us a review, and share this episode with a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices
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      8 min

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