Latest / Ask The Experts / In the News with Dr. Marty Greer from CheckOut Veterinary

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In the News with Dr. Marty Greer from CheckOut Veterinary · Ask The Experts

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0:51
Speaker 3: This morning our CJ. Closs and Eric Schwartz.
0:54
Speaker 2: CJ. How you doing this morning?
0:56
Speaker 3: I'm doing great. Good morning Sean, Good morning, CJ. Eric
0:59
Speaker 3: Hof you Ben, I've been doing great.
1:02
Speaker 4: I'm glad to see some temperatures above zero.
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Speaker 1: Yes, yeah, yeah, it's always nice to have to have
1:08
Speaker 1: a solid whole number, a positive, a plus number firs
1:12
Speaker 1: for sure.
1:13
Speaker 3: Speaking of positives and really good good things.
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Speaker 1: I know this time a year, a lot of folks
1:20
Speaker 1: start thinking about gift giving and other things, and we're
1:23
Speaker 1: to talk about gift giving and when it comes to
1:25
Speaker 1: adult children and other areas of that. This Morning with
1:29
Speaker 1: Eric and CJ here on Money in Motion thirteen to
1:31
Speaker 1: ten WIVA. Before we get rolling though on this week's conversation,
1:35
Speaker 1: another great feature of the show is the Closs Quiz
1:37
Speaker 1: Question of the week, your chance to win a fantastic
1:39
Speaker 1: prize this week, no exception, our friends from Class Financial
1:42
Speaker 1: provide a twenty five dollars gift card to Cheesecake Factory
1:46
Speaker 1: and we'll let you know how you can win that
1:48
Speaker 1: before the end of the program. A little tip they'll
1:50
Speaker 1: listen closer to the show because most of the time
1:52
Speaker 1: the question and answer come up during the show. And
1:54
Speaker 1: before we get rolling on this week's topic and conversation,
1:57
Speaker 1: let's actually take a look back at last week's program
2:00
Speaker 1: at the Class Quiz question, the week question and answer
2:02
Speaker 1: from last week's show as well.
2:05
Speaker 4: Yeah, so, as always, thank you to everyone for listening.
2:07
Speaker 4: And our winner last week was Alex from Madison, So congratulations.
2:12
Speaker 4: Alex got the question correct, which was what is the
2:15
Speaker 4: new standard deduction for single taxpayers in twenty twenty five?
2:19
Speaker 4: The choices were ten thousand dollars or fifteen thousand and
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Speaker 4: the answer is that in twenty twenty five, for single
2:26
Speaker 4: taxpayers and married individuals filing separately, the standard deduction rises
2:31
Speaker 4: to fifteen thousand dollars.
2:33
Speaker 3: Fantastic and it was a great show last week.
2:36
Speaker 2: And I know a lot of folks have questions as
2:38
Speaker 2: we get.
2:38
Speaker 1: Prepared for this year, and there's always great information up
2:41
Speaker 1: at classfinancial dot com. That's Class klaasfinancial dot com. So
2:46
Speaker 1: as we talk about obviously here on the program saving
2:49
Speaker 1: for Retirement, another area that comes up is adult children,
2:52
Speaker 1: specifically helping them out. What are some things that we
2:55
Speaker 1: need to be aware of when it comes to gifting
2:58
Speaker 1: object option CJ.
3:00
Speaker 5: Yeah, So we're excited about this topic today because often
3:03
Speaker 5: inside of our meetings there's confusion between the difference of
3:06
Speaker 5: a gift to a child or individual relative or in
3:11
Speaker 5: comparison to a gift to a charity or a charitable donation.
3:15
Speaker 3: And so we're going to talk about gifting today a
3:17
Speaker 3: little bit.
3:18
Speaker 5: And I guess first, let's define what is considered a gift.
3:22
Speaker 5: The IRS considers any transfer to an individual, either directly
3:26
Speaker 5: or indirectly, where full consideration measured in money or money's
3:31
Speaker 5: worth is not received in return. The general rule is
3:36
Speaker 5: that any gift is a taxable gift. Now I'll just
3:40
Speaker 5: pause right there. A lot of times that final sentence,
3:43
Speaker 5: the general rule is that any gift is a taxable
3:46
Speaker 5: gift freaks people out because they.
3:48
Speaker 6: Go, whoa, whoa, whoa, whoa, whoa whoa.
3:49
Speaker 5: What do you mean by every gift is a taxable gift? Well,
3:52
Speaker 5: there's all these exceptions that make it so that that
3:55
Speaker 5: final statement rarely is actually impacting individuals, and so.
4:02
Speaker 3: Kind of stick with us here.
4:04
Speaker 5: So every year, there's something called a gift tax Exclusion
4:08
Speaker 5: amount for and this is for federal gift tax purposes,
4:12
Speaker 5: and that amount is currently nineteen thousand dollars in twenty
4:15
Speaker 5: twenty five. That means that you can gift nineteen thousand
4:19
Speaker 5: dollars per person to as many people as you want
4:23
Speaker 5: with no federal gift tax consequences.
4:26
Speaker 3: Now, if you.
4:27
Speaker 5: Split gifts with your spouse, that total is thirty eight
4:29
Speaker 5: thousand dollars per person.
4:31
Speaker 3: So think of this in terms of children, right, Hey, I'm.
4:33
Speaker 5: Going to give money to my children, and I don't
4:35
Speaker 5: want to pay more taxes and I don't want them
4:37
Speaker 5: to pay any taxes on this cash that I have
4:39
Speaker 5: sitting in my savings account. How do I give it
4:41
Speaker 5: to them? Well, you could just use the gift tax
4:44
Speaker 5: exclusion amount of nineteen thousand dollars per person, or if
4:47
Speaker 5: you're you know, if you're married, you could do nineteen
4:49
Speaker 5: times nineteen thirty eight thousand to each child. I mean,
4:52
Speaker 5: it's a lot of money, as you can imagine.
4:54
Speaker 3: And here's the key.
4:56
Speaker 5: If you stay under that gift tax limited amount for
4:59
Speaker 5: each gift to each of those children, you know, you
5:02
Speaker 5: could give away a lot of money without any tax repercussions.
5:07
Speaker 5: And the ones those gifts are made, that money is
5:09
Speaker 5: removed from your taxable estate. And here's the other kind
5:13
Speaker 5: of cool thing. In twenty twenty five, the max you
5:17
Speaker 5: can give without any federal estate tax is thirteen million,
5:24
Speaker 5: nine hundred and ninety thousand dollars to as many individual
5:28
Speaker 5: or I'm sorry to you know, beneficiaries. Let's say this
5:31
Speaker 5: is during or after life or times two for a
5:34
Speaker 5: married couple, So twenty seven million, nine hundred and eighty dollars,
5:38
Speaker 5: and again you would pay no federal.
5:40
Speaker 3: Estate tax or gift tax.
5:41
Speaker 5: Now here's the key that nineteen thousand dollars I was
5:44
Speaker 5: talking about earlier, that those gifts do not apply towards
5:50
Speaker 5: reducing what is called your lifetime exemption amount. So lifetime
5:53
Speaker 5: exemption is that call it. I'm just going to round up,
5:56
Speaker 5: call it fourteen million dollars. So during or after life
6:00
Speaker 5: you can give up to fourteen million dollars with no
6:03
Speaker 5: gift tax or federal estate tax. However, those nineteen thousand
6:07
Speaker 5: dollars gifts all throughout your life don't count. It would
6:11
Speaker 5: only be the amounts that go over that. So imagine
6:14
Speaker 5: that I want to instead of giving nineteen thousand dollars
6:16
Speaker 5: to say one of my children, I want to give
6:18
Speaker 5: them one hundred thousand dollars. Well, the way that would
6:21
Speaker 5: work is I would take one hundred thousand dollars minus
6:24
Speaker 5: nineteen thousand that doesn't count towards the towards the lifetime
6:28
Speaker 5: exemption amount. I would then take that number, so call it,
6:32
Speaker 5: what is that eighty one thousand dollars, and I would
6:34
Speaker 5: reduce that from my fourteen million dollars that I can
6:38
Speaker 5: give during my life, actually during or after my life.
6:42
Speaker 5: So you see my point. That final sentence that I read,
6:45
Speaker 5: which is the general rules that any gift is a
6:47
Speaker 5: taxable gift, you kind of pause and you go, really
6:51
Speaker 5: because it sounds to me like there's a lot of
6:53
Speaker 5: ways for me to give money away without having to
6:55
Speaker 5: worry much about it. Let me add one other factor here.
6:58
Speaker 5: That nineteen thousand dollars for every individual from you to
7:02
Speaker 5: any individual you want to per year without reducing your
7:05
Speaker 5: lifetime exemption amount. That is a really critical number to
7:08
Speaker 5: remember because if you stay under that number, you don't
7:12
Speaker 5: have to fill out what's called a Form seven oh nine.
7:15
Speaker 5: Think of that Form seven oh nine. It's called a
7:17
Speaker 5: gift tax return as the certificate. Right, So let's say
7:21
Speaker 5: I can give away fourteen million dollars during or after life. Well,
7:24
Speaker 5: if I go over that nineteen thousand, I have to
7:26
Speaker 5: start filling out that certificate aka Form seven oh nine
7:30
Speaker 5: that keeps track of how much I'm reducing my lifetime
7:34
Speaker 5: exemption amount. Now final thought here on this kind of
7:38
Speaker 5: little section is that at the end of twenty twenty five,
7:41
Speaker 5: the federal estate and gift tax exemption amount is scheduled
7:45
Speaker 5: to sunset. Assuming Congress and the President take no action,
7:49
Speaker 5: this gift tax exemption could decrease to approximately seven million
7:54
Speaker 5: dollars per person. So it's about fourteen million dollars it
7:57
Speaker 5: could decrease to seven Now, I'll be frank with you,
8:00
Speaker 5: we have no idea whether or not this will change.
8:03
Speaker 3: There's people guessing that it.
8:04
Speaker 5: Will change under on the Trump administration, but we we
8:07
Speaker 5: really still do not know. So just be aware. Lifetime
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Speaker 5: amount you can give away is fourteen million. Now it
8:13
Speaker 5: could be down to seven million as early as twenty
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Speaker 5: twenty six.
8:17
Speaker 2: Talk this morning with CJ.
8:18
Speaker 1: Closs and Eric Schwartz, our retirement planning professionals from Class Financial.
8:21
Speaker 1: Their website Class financial dot com. That's Coss Klaas Financial
8:26
Speaker 1: dot com and they're telephone number six So eight four
8:28
Speaker 1: four two five six three seven that's four four.
8:31
Speaker 3: Two fifty six thirty seven.
8:32
Speaker 1: Don't forget no charge for that initial get to know
8:34
Speaker 1: you appoyment at Class Financial.
8:35
Speaker 2: AIG will be complementary to you.
8:37
Speaker 3: What are some of the things then, CJ that we
8:40
Speaker 3: do know. Yeah, so just just some things for people
8:43
Speaker 3: to be aware of.
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Speaker 5: Here there are again there's no taxes on the giver
8:47
Speaker 5: and again usually no taxes paid by the recipient.
8:50
Speaker 3: Now I say usually, and people hate that word, they
8:53
Speaker 3: would be definitive.
8:54
Speaker 5: Well, listen, if you if you gift stock, highly appreciated
8:59
Speaker 5: stock to your child that you have not paid the
9:01
Speaker 5: capital gains tax on. Well, if you gift them that,
9:05
Speaker 5: you're gifting them not only the value of the stock,
9:07
Speaker 5: but also the basis of the stock. Aka, you didn't
9:11
Speaker 5: pay tax, they're going to have to pay tax. So
9:13
Speaker 5: if you give them that stock and then they go
9:15
Speaker 5: and sell it, they're gonna pay the capital gains tax
9:17
Speaker 5: on it. But assuming you're giving cash of some sort,
9:20
Speaker 5: so money you've already paid tax on. So not retirement accounts, right,
9:24
Speaker 5: because you can't gift money out of a retirement account
9:26
Speaker 5: that's pre tax. But let's say this is money in
9:29
Speaker 5: a checking savings stock account that you've already paid tax on.
9:33
Speaker 5: Generally speaking, you as the giver will pay no tax
9:35
Speaker 5: and the recipient will pay no tax. Now here's a key,
9:39
Speaker 5: one of the biggest questions. We get this is great, well,
9:42
Speaker 5: then I will just I'll give nineteen thousand to each
9:44
Speaker 5: of my children and then I'll deduct that on my taxes.
9:47
Speaker 3: No no, no, no, no, no no no.
9:49
Speaker 5: We didn't say you'd get a deduction. They are not charities.
9:53
Speaker 5: So that's where the kind of the line in the
9:55
Speaker 5: sand comes in here. The good news is you don't
9:57
Speaker 5: have to pay any tax. They don't pay any tax
9:59
Speaker 5: upon rescups even get assuming it's cash.
10:01
Speaker 3: But it does not.
10:04
Speaker 5: It's not a gift to a charity, and therefore you
10:06
Speaker 5: cannot deduct that gift to your children. I mean, that
10:09
Speaker 5: would be great, and then if we could just give
10:10
Speaker 5: money away to our children and take it off our
10:12
Speaker 5: own income for the year, But that is not the
10:16
Speaker 5: way that it works. And so I already mentioned as
10:18
Speaker 5: long as you are aware of that nineteen thousand dollars
10:20
Speaker 5: limit and you try to avoid going over it to
10:23
Speaker 5: any one individual in a year, then you don't have
10:26
Speaker 5: to fill out that Form seven o nine. And the
10:28
Speaker 5: beauty there is then you preserve your lifetime exemption amount.
10:33
Speaker 5: Now why would you want to do that, Well, because
10:34
Speaker 5: when you die, everything you own, including any life insurance
10:39
Speaker 5: proceeds goes towards that lifetime exemption amount. So there is
10:45
Speaker 5: kind of this incentive to try to preserve that if
10:48
Speaker 5: you don't need to use it. Now, I'll admit to you,
10:51
Speaker 5: for ultra wealthy family families, they're actually not trying to
10:54
Speaker 5: preserve that. They're actually trying to do very large gifts
10:57
Speaker 5: to use up their lifetime exemption amount and then get
10:59
Speaker 5: large portions of their estate out to an irrevocable trust.
11:03
Speaker 5: But more to come on that later in our show. Today.
11:05
Speaker 2: We'll get to that and so much more as we
11:07
Speaker 2: continue our conversation with CJ.
11:08
Speaker 3: Closs and Eric Schwartz.
11:09
Speaker 1: Of course, they are our retirement finding professionals from Class
11:12
Speaker 1: Financial the website Coss financial dot com. That's Coss k
11:15
Speaker 1: l A A S Financial dot com. And they're telephone
11:18
Speaker 1: number six so eight four four two five six three seven.
11:21
Speaker 1: So Eric, let's talk then about if you give money
11:24
Speaker 1: to someone, do I have to pay a gift tax?
11:29
Speaker 4: That's a great question, Sean. In most cases, as CJ
11:33
Speaker 4: was saying, there is no gift tax to be paid. However,
11:36
Speaker 4: if there is, you know, we just talked about a
11:39
Speaker 4: bunch of the ways of UH. Basically excluding gifts from
11:43
Speaker 4: your taxable income. But if there is a tax to
11:46
Speaker 4: be paid, the donor is generally responsible for paying that tax.
11:50
Speaker 4: There are some special arrangements where where the receiver can
11:53
Speaker 4: can pay the tax, but in most cases it's going
11:55
Speaker 4: to be the donor. But let's I want to dig
11:58
Speaker 4: in here a little bit more on some of the
12:01
Speaker 4: exceptions and why we say, you know, generally there's not
12:04
Speaker 4: going to be any gift techs do on this. So
12:08
Speaker 4: the one that the first one and the one we
12:09
Speaker 4: talk about most often with our clients and CJ is
12:12
Speaker 4: just talking about here, is the any gifts that don't
12:16
Speaker 4: exceed that nineteen thousand dollars per individual per year. Those
12:21
Speaker 4: are that's your freebie, right, That's not even going to
12:23
Speaker 4: be considered when it comes to your your lifetime credit
12:26
Speaker 4: or anything. So that nineteen thousand number is generally what
12:30
Speaker 4: people are focusing on when they're when they're giving money
12:33
Speaker 4: to those non charitable organizations, regardless of how the parents
12:37
Speaker 4: feel about the kids. Another exclusion is going to be
12:42
Speaker 4: a tuition or any medical expenses that you pay for
12:46
Speaker 4: someone else. So I'm going to discuss more about this
12:48
Speaker 4: in a moment. In terms of the rules around that.
12:51
Speaker 4: But the you know, tuition support, medical expenses that you
12:55
Speaker 4: pay off, those are not subject. Those are those are
12:58
Speaker 4: not subject to the gift texts.
13:00
Speaker 2: Fantastic, Oh go ahead, No, I'm.
13:03
Speaker 4: From gifts to your spouse. So the irs allows you
13:08
Speaker 4: to gift as much as you would like to your spouse,
13:11
Speaker 4: assuming that they are US citizen. And finally, gifts to
13:15
Speaker 4: a political organization for its own use, those are are
13:19
Speaker 4: automatic subject any gift tax rules.
13:22
Speaker 2: Really important.
13:23
Speaker 1: It's interesting that they that the politicians would leave that,
13:26
Speaker 1: leave that little loophole there for you.
13:27
Speaker 2: It really is ironic. I'm talking this morning with CJ.
13:31
Speaker 1: Closs and Eric Schwartz, our retirement planning professionals from Class
13:33
Speaker 1: Financial website Class.
13:35
Speaker 2: Financial dot com.
13:36
Speaker 1: That's Coss k l a as Financial dot com and
13:38
Speaker 1: their telephone number six so eight four four two five
13:41
Speaker 1: six three seven. We'll continue our conversation with CJ and
13:44
Speaker 1: Eric and take your call next as Money in Motion
13:46
Speaker 1: with Class Financial continues right here on thirteen ten doll
13:49
Speaker 1: will u ib A getting charitable this week with our
13:52
Speaker 1: retirement planning professionals from Class Financial, Eric Schwartz and CJ.
13:55
Speaker 3: Closs the website you can learn more about Class.
13:57
Speaker 2: Financial, the team, the separate divisions.
13:59
Speaker 1: Also and sign up for the weekly market Ball's newsletter
14:02
Speaker 1: and listen back to this in previous shows podcasts.
14:05
Speaker 2: All of that available to you at class financial dot com.
14:07
Speaker 1: That's colss k l a as Financial dot com at
14:10
Speaker 1: the teleph number six so eight four four two five
14:12
Speaker 1: six three seven. No charge for that initial get to
14:15
Speaker 1: know you appoyment dech loss financial. It will be complimentary
14:18
Speaker 1: to you. So, Eric, just before the break, we started
14:20
Speaker 1: talking about some of the areas where there would not
14:25
Speaker 1: be a gift text. What are some of the other
14:27
Speaker 1: benefits then of giving gifts to families or other folks?
14:33
Speaker 3: Yeah, I think.
14:34
Speaker 4: I think in general it's nice to give a gift
14:36
Speaker 4: and actually see the recipient enjoy it, rather than waiting
14:40
Speaker 4: until you're no longer here. So we see a lot
14:42
Speaker 4: of people once they've kind of gotten to a point
14:44
Speaker 4: where they feel comfortable that they have enough for themselves,
14:47
Speaker 4: they will begin gifting to their kids and and beyond that.
14:52
Speaker 4: If you're giving to children, for example, they probably have
14:56
Speaker 4: a greater need for that financial support when they're in
14:59
Speaker 4: their thirty or their forties compared to when most folks
15:03
Speaker 4: pass away. So let's think about this. If people live
15:06
Speaker 4: into their seventies or maybe their eighties, their children are
15:10
Speaker 4: likely closing in on retirement when they pass away, and
15:14
Speaker 4: they've already had to do, you know, a lot of
15:17
Speaker 4: the what i'll call it financial hard work.
15:21
Speaker 3: At by that point.
15:22
Speaker 4: So are they going to be grateful for the gift,
15:24
Speaker 4: obviously yes, But will it be as impactful as it
15:28
Speaker 4: would have been when they were younger. Probably not. And
15:32
Speaker 4: you know, so, I think those are just a couple
15:34
Speaker 4: of things we think about when we're thinking about gifting,
15:37
Speaker 4: specifically to family. And regardless of who you decide to
15:41
Speaker 4: give to or when you decide to start gifting, it's
15:44
Speaker 4: really important to create a gifting strategy. So, like I said,
15:48
Speaker 4: once you have enough resources to take care of your
15:51
Speaker 4: needs during your lifetime, giving assets to your children or
15:55
Speaker 4: to charities, which we haven't talked too much about yet,
15:59
Speaker 4: it could be helpful from the state planning perspective, and
16:01
Speaker 4: it can have a really really large impact on the
16:04
Speaker 4: quality of life of your errors your favorite causes, and
16:10
Speaker 4: for yourself, a strategy for gifting can help you minimize
16:14
Speaker 4: your future state taxes and really really want to drive
16:18
Speaker 4: home the fact that if you're giving to family, giving
16:21
Speaker 4: to them earlier on generally is a lot more impactful
16:26
Speaker 4: than waiting until later. But earlier we were talking about
16:31
Speaker 4: the gift tax exclusion for education and medical expenses, and
16:35
Speaker 4: I mentioned that we were going to dig into that
16:37
Speaker 4: a little bit more because it's a little bit more
16:39
Speaker 4: complicated than the nineteen thousand dollars rule. So one of
16:44
Speaker 4: the exceptions to the nineteen thousand dollars annual gifting limit
16:47
Speaker 4: is that you can give an limited amount to your
16:50
Speaker 4: children for tuition or medical expenses. So education and retraining
16:55
Speaker 4: that can be an excellent way to help your kids
16:57
Speaker 4: be more self sufficient, and you know it has the
17:01
Speaker 4: potential to make them more employable or maybe even help
17:03
Speaker 4: them earn more in their current job. But two really
17:07
Speaker 4: important things to understand around the education and medical expense
17:13
Speaker 4: exception was that the money it must be paid directly
17:16
Speaker 4: to the educational institution or the medical provider. It cannot
17:20
Speaker 4: go to the kids first. At that point you're going
17:23
Speaker 4: to be subject to that nineteen thousand dollars rule again.
17:28
Speaker 4: And then helping to pay off student loans would not
17:30
Speaker 4: count as an exception unless you were a co signer
17:33
Speaker 4: on the loan. That's despite the fact that it originally
17:37
Speaker 4: came from tuition obviously, but you must have been a
17:40
Speaker 4: co signer on that loan in order to not have
17:44
Speaker 4: it count as a taxable gift. And the last thing
17:48
Speaker 4: I want to talk about in this section here is
17:51
Speaker 4: another great way to benefit your errors is by giving
17:56
Speaker 4: them money that they can then contribute to their retire accounts.
18:00
Speaker 3: Okay, so.
18:02
Speaker 4: If you think about an individual retirement account, the annual
18:05
Speaker 4: contribution limit to that is currently seven thousand dollars a
18:08
Speaker 4: year for those who are under fifty. So you could
18:12
Speaker 4: give a gift to the kids with the expectation that
18:14
Speaker 4: it is then used to say for their future.
18:18
Speaker 1: It's really really good to really good to options and
18:21
Speaker 1: really really good opportunities for folks, and of course something
18:24
Speaker 1: worth exploring. You can learn more online Clasfinancial dot com
18:28
Speaker 1: delvium number six so eight four four two five six
18:30
Speaker 1: three seven so CJ. Earlier, you kind of alluded to
18:33
Speaker 1: trust that we were going to get into them a
18:35
Speaker 1: little bit more. Let's talk about using trusts to make gifts.
18:38
Speaker 2: What do we need to know there?
18:40
Speaker 3: Yeah, so we're going to talk about those trusts.
18:41
Speaker 5: I do want to make a quick comment on what
18:43
Speaker 5: Eric was just mentioning there on retirement accounts, because, as
18:46
Speaker 5: Eric can attest, every once in a while we'll have
18:48
Speaker 5: somebody say, hey, I heard what you saw said on
18:51
Speaker 5: the air, and I want to make a contribution or
18:53
Speaker 5: set up a roth IRA for my adult daughter and
18:57
Speaker 5: put seven thousand dollars into it, and we go, hmm,
19:02
Speaker 5: you slightly misunderstood what we were saying there. So just
19:04
Speaker 5: to clarify, you can give money to your children. You
19:08
Speaker 5: can't be making contributions on their healf without their awareness.
19:12
Speaker 5: Now give a minor child. That's a little bit different.
19:14
Speaker 5: There's these things called custodial retirement accounts or custodial roth
19:17
Speaker 5: I raise. I was just helping a client set up
19:19
Speaker 5: one yesterday on Fidelity. But generally speaking, what Eric is
19:23
Speaker 5: saying here is like you can give it with the
19:24
Speaker 5: expectation of a going into a retirement account, which is
19:27
Speaker 5: again it can be a huge blessing to your children
19:29
Speaker 5: when they have cash to live off of, so that
19:33
Speaker 5: those earnings that they receive from their employer can go
19:35
Speaker 5: into a retirement account.
19:37
Speaker 3: Well, that being said, yes, so.
19:40
Speaker 5: Your question about trust and what I alluded to earlier,
19:44
Speaker 5: so a state planning just it's not just about preparing
19:48
Speaker 5: for the future, it's also about taking strategic steps during
19:51
Speaker 5: your lifetime to benefit your loved ones. Using specialized trust
19:56
Speaker 5: can help you pass on wealth efficiently, reduce taxes, and
20:00
Speaker 5: preserve the value of your estate. So here's a breakdown
20:04
Speaker 5: of three key points as it relates to trust and
20:06
Speaker 5: kind of gifting and moving money to the next generation
20:08
Speaker 5: while being tax efficient. Item number one would be an
20:12
Speaker 5: irrevocable trust. This can shift growth to the next generation.
20:18
Speaker 5: So here would be a concept. Let's say that I
20:20
Speaker 5: own I've been blessed throughout life, I built maybe a
20:23
Speaker 5: small business. That small business has grown, I don't know,
20:27
Speaker 5: I own a good portion of it, and suddenly I'm
20:29
Speaker 5: left in a position where I go, goodness, gracious, my
20:34
Speaker 5: stock when I die is gonna put me over some
20:37
Speaker 5: of these limitations on lifetime exemption amounts. And now again
20:42
Speaker 5: these are large amounts, right, but often people say, what
20:45
Speaker 5: the heck do I do?
20:46
Speaker 3: Because I've got these.
20:47
Speaker 5: Lifetime exemption amounts, I can only gift so much to
20:49
Speaker 5: my kids without using up my lifetime exemption.
20:52
Speaker 3: So how does this work?
20:53
Speaker 5: C how could I and not to mention I've still
20:55
Speaker 5: got the business. This this thing is still growing. It
20:57
Speaker 5: could be fifty eighty one hundred million dollars by the
21:00
Speaker 5: time I die, and then my family just has to
21:02
Speaker 5: get blown up with taxes. Well, no one thing you
21:06
Speaker 5: can do if you're operating agreement allows for it, which
21:10
Speaker 5: you do have to start getting pretty specific here on
21:12
Speaker 5: working with lawyers and accountants. But is you can actually
21:15
Speaker 5: gift some of that stock into an irrevocable trust. Once
21:18
Speaker 5: it goes into the vocabal trust, two things happen. You
21:21
Speaker 5: are using up some of your lifetime exemption amount that
21:23
Speaker 5: you know, fourteen million dollars we talked about to put
21:26
Speaker 5: money into that trust.
21:27
Speaker 3: But let's say I put ten million.
21:29
Speaker 5: Dollars hypothetically of that highly appreciated you know stock into
21:33
Speaker 5: that irrevocable trust. Well, all the future appreciation on that
21:37
Speaker 5: is now outside of the estate. It can still benefit
21:40
Speaker 5: my children, so it can still say the beneficiaries of
21:42
Speaker 5: this stock.
21:43
Speaker 3: Are my children.
21:44
Speaker 5: But the beauty is I have used some of my
21:46
Speaker 5: lifetime exemption. I've gotten that money into a trust, and
21:50
Speaker 5: then all the future appreciation of that stock is outside
21:53
Speaker 5: of the estate and it can't impact my lifetime exemption amount.
21:58
Speaker 5: Another concept might be, so stick with that idea of
22:00
Speaker 5: the highly appreciated stock. Well, what if I my corporate
22:03
Speaker 5: governance doesn't allow for that, or I just don't want
22:06
Speaker 5: to put that much money into an irrevocable trust, or
22:09
Speaker 5: I should say that much stock.
22:12
Speaker 3: What are other options?
22:13
Speaker 5: Well, another option would be doing what's called an irrevocable
22:16
Speaker 5: life insurance trust known as an islet. Because we know
22:19
Speaker 5: our industry loves our acronyms, so islets. It's this idea
22:22
Speaker 5: of saying, Hey, I'm going to keep all that stock
22:24
Speaker 5: inside of my estate, but I don't want to my
22:27
Speaker 5: kids get blown up on taxes when I die.
22:31
Speaker 3: What do I do?
22:32
Speaker 5: Well, you could buy a life insurance policy inside of
22:35
Speaker 5: an irrevocable life insurance trust if you do it all appropriately,
22:39
Speaker 5: and by the way, you really need to work with
22:41
Speaker 5: a lawyer, accountant advisor on this is not something to
22:44
Speaker 5: try to do on your own and my humble opinion,
22:46
Speaker 5: but if you do it all appropriately, that large life
22:49
Speaker 5: insurance policy when you die can come swooping into the
22:52
Speaker 5: estate without counting towards your federal estate tax exemption amount.
22:59
Speaker 5: So it comes swoop in And why does it come
23:01
Speaker 5: swooping in to pay all the taxes, right, so it
23:04
Speaker 5: pays the taxes without increasing your taxes. So ear Vocal
23:09
Speaker 5: Life Insurance trust can be a great way to pay
23:11
Speaker 5: final expenses, pay pay any taxes that would be due
23:15
Speaker 5: upon the estate without kind of forcing the beneficiaries to
23:19
Speaker 5: have to sell a bunch of your stock or to
23:21
Speaker 5: have to, you know, sell a bunch of land. Think
23:23
Speaker 5: of a farmer with a lot of land. So these
23:25
Speaker 5: can this can be another great estate planning tool. And
23:29
Speaker 5: then finally there's these concepts of grantor retained annuity trust
23:33
Speaker 5: known as grats. And I will just warn everybody, as
23:35
Speaker 5: much as I love talking about this, just a word
23:39
Speaker 5: to the wise, none of these strategies we're talking about
23:42
Speaker 5: should be something you jump on Google and say, I'm
23:44
Speaker 5: gonna I'm gonna.
23:45
Speaker 3: Do this tomorrow. Please don't.
23:48
Speaker 5: These are advanced financial planning strategies that often require you know,
23:53
Speaker 5: expert legal advice, good accounting advice, good financial advice, advisor feedback.
23:59
Speaker 5: So with that being said, though, the concept of a
24:01
Speaker 5: grant or retained annuity trust is that they're ideal for
24:05
Speaker 5: gifting assets that are likely to appreciate significantly in value.
24:09
Speaker 3: So a lot like the irrevocal trust.
24:11
Speaker 5: So this could be again privately health shares of a company,
24:14
Speaker 5: you know, hedge funds, private equity stocks, real estate interests,
24:18
Speaker 5: and closely held business and you transfer assets to the
24:21
Speaker 5: grat and retain the rights to receive an annuity aka
24:25
Speaker 5: income for a set period. When the trust term ends,
24:30
Speaker 5: any remaining assets pass to your beneficiaries free of federal
24:34
Speaker 5: gift tax. This allows you to lock in today's asset
24:38
Speaker 5: value while giving your loved ones the benefit of future growth,
24:41
Speaker 5: while also getting some income along the way. So think
24:45
Speaker 5: of that original irrevocable trust concept I talked about at
24:48
Speaker 5: the beginning, that once it's out, it's out, you can't
24:51
Speaker 5: get it back. Whereas this granted retained annuity trust, you
24:55
Speaker 5: still can't get the money back, but you can get
24:56
Speaker 5: an income stream off of it, which can be nice
24:59
Speaker 5: because lest you put the money in you use part
25:02
Speaker 5: of your lifetime exemption. That money goes to your children
25:04
Speaker 5: a state tax free later on. But along the way
25:08
Speaker 5: you're able to get an income stream to you know,
25:10
Speaker 5: offset any any income needs you have in retirement. So
25:15
Speaker 5: very advanced estate planning techniques, this is actually just the
25:19
Speaker 5: tip of the Iceberg of various estate planning advanced estate
25:22
Speaker 5: planning techniques, but these are a few that we see commonly,
25:26
Speaker 5: commonly used.
25:27
Speaker 2: Really fascinating stuff. This week, as we talked with CJ.
25:29
Speaker 1: Closs and Eric Schwartz, oh were retirement finding professionals from
25:32
Speaker 1: Class Financial, the website COSS Financial dot com. That's Coss
25:35
Speaker 1: k l a A S Financial dot com and their
25:38
Speaker 1: telephone number four four two, five, six three seven. More
25:41
Speaker 1: of Money in Motion is next right here thirteen ten
25:43
Speaker 1: WI b A and the website Colss Financial dot com.
25:49
Speaker 1: That's k l a A S Financial dot Com. They're
25:52
Speaker 1: telephone numbers six so eight four four two, five, six
25:55
Speaker 1: three seven. Coming up with later this segment will do
25:57
Speaker 1: our class quiz quesch Leak, So you want to hold
25:58
Speaker 1: on to that number for that as well. Talking this
26:01
Speaker 1: week about charitable giving and Eric, what about incorporating charitable
26:06
Speaker 1: giving into our estate planning.
26:09
Speaker 4: Yeah, we've been talking a lot about giving gifts to
26:12
Speaker 4: family members or other individuals in your life, but we
26:17
Speaker 4: wanted to touch on charitable giving here a little bit
26:19
Speaker 4: before the end of the show. And when it comes
26:22
Speaker 4: to charitable giving, there are more options than just writing
26:25
Speaker 4: a check to the charity, and I know that's how
26:28
Speaker 4: most folks will do it, but there are some more
26:31
Speaker 4: we'll say advantageous options as well. So whether you're looking
26:35
Speaker 4: to give back to your community or just support a
26:37
Speaker 4: cause that you really love, there were some really impactful
26:41
Speaker 4: ways to do that. We're going to look at four
26:43
Speaker 4: of them here briefly. The first one is the simplest. Okay,
26:47
Speaker 4: so it's just an outright charitable gift. This is, you know,
26:51
Speaker 4: sending a check to the Salvation Army or whichever organization
26:55
Speaker 4: is important to you. You're giving cash directly to the charity,
26:59
Speaker 4: and provided that you are able to itemize your taxes,
27:05
Speaker 4: you can often get an income tax deduction for this,
27:09
Speaker 4: and you know, in the long run it can also
27:11
Speaker 4: reduce your estate taxes, and you know, really simple win
27:17
Speaker 4: win for the charity and for the individual. But the
27:21
Speaker 4: second one here is is actually when we're seeing a
27:23
Speaker 4: lot more since since the Tax Cuts and Jobs Act
27:28
Speaker 4: raised these standard deductions so high and made it less
27:32
Speaker 4: likely that folks will itemize their taxes. And that's a
27:34
Speaker 4: donor advised fund or a daft CJ says, we love
27:38
Speaker 4: the acronyms, but think of this as like your personal
27:42
Speaker 4: charitable giving account. So when you contribute dollars to this
27:46
Speaker 4: fund that you set up at you know, a brokerage
27:49
Speaker 4: house or wherever it is, you get an immediate tax benefit.
27:53
Speaker 3: Okay.
27:54
Speaker 4: So let's say you put in a big chunk of money.
27:56
Speaker 4: Let's say you put in twenty thousand dollars. You get
27:58
Speaker 4: an immediate twenty thousand dollars today deduction. But you don't
28:02
Speaker 4: have to give all of that money right away to
28:06
Speaker 4: the charitable organizations. Okay, it gives you time to decide.
28:11
Speaker 4: It can be you know, years before you actually give
28:13
Speaker 4: the money out of the out of the account. Now,
28:17
Speaker 4: it's important to remember, even though you don't have to
28:19
Speaker 4: give all the dollars to the charitable organizations immediately, your
28:22
Speaker 4: contribution is irrevocable.
28:24
Speaker 3: Okay.
28:25
Speaker 4: The IRS gave you a deduction, they're not going to
28:27
Speaker 4: allow you to take it out later on. But these
28:30
Speaker 4: funds can remain in the account, they can be invested,
28:33
Speaker 4: they can grow tax free, and you can you can
28:37
Speaker 4: have some flexibility and time in making your charitable giving decisions.
28:43
Speaker 4: And the really really important part about this is it
28:46
Speaker 4: allows you to what we call bunch your gifts in
28:51
Speaker 4: one year, so that you can get enough to deduct
28:55
Speaker 4: to use the itemized deductions and actually be able to
28:57
Speaker 4: deduct the contributions, and then you know, in future years
29:02
Speaker 4: you can give the dollars away having gotten that large
29:05
Speaker 4: tax benefit right up front. The last two that I
29:09
Speaker 4: want to talk about here are actually forms of irrevocable trusts,
29:13
Speaker 4: which CJ was just just talking about in our last
29:16
Speaker 4: section here. The first one is a charitable lead trust.
29:20
Speaker 4: So this arrangement allows a charity to benefit first from
29:24
Speaker 4: the dollars and basically any income generated by the assets
29:29
Speaker 4: in the trust goes to a charity for a set
29:32
Speaker 4: period of time. After that, the remaining assets are passed
29:36
Speaker 4: to your beneficiaries, all while potentially lowering your estate tax burden.
29:41
Speaker 4: So it's a great way to support an organization that's
29:43
Speaker 4: important to you, but also leave a legacy for your heirs.
29:48
Speaker 4: And then the last one here is a charitable remainder trust.
29:51
Speaker 4: So this is the reverse of the charitable lead trust. Okay,
29:54
Speaker 4: so in this case, your beneficiaries are receiving income from
29:58
Speaker 4: the trust for a set period of time time and
30:01
Speaker 4: then any assets left over go to the charity at
30:04
Speaker 4: the end of the term. So you'll receive a charitable
30:07
Speaker 4: deduction upfront, you'll reduce your state taxes, and this approach
30:11
Speaker 4: allows you to support a cause while ensuring that your
30:14
Speaker 4: loved ones are still cared for for that set period
30:16
Speaker 4: of time. Now, I know all of these strategies seem
30:20
Speaker 4: like I don't know. People may to hear them and say, gosh,
30:24
Speaker 4: that just seems so far away from me. I'm not
30:25
Speaker 4: going to think about that right now. But thinking about
30:27
Speaker 4: these strategies earlier, it gives you more control and flexibility
30:32
Speaker 4: in managing your legacy. So whether you know you're trying
30:35
Speaker 4: to protect your state, maximize your growth, ensure liquidity, all
30:39
Speaker 4: of these are going to be more impactful if you
30:43
Speaker 4: actually think about them strategically and plan for them ahead
30:47
Speaker 4: of time, and make sure you speak to a professional
30:50
Speaker 4: to see how you can implement these two best benefit
30:54
Speaker 4: you a lot of.
30:55
Speaker 2: Great tools and a lot of great options.
30:58
Speaker 1: Just got to make sure that you're putting these things
31:00
Speaker 1: in place and putting that plan together. If you've got questions,
31:03
Speaker 1: don't forget great website cossfinancial dot com great resource you
31:06
Speaker 1: can learn more about Class financial folks. At class Financial
31:09
Speaker 1: you can learn about their separate divisions as well, that's
31:11
Speaker 1: all at Cossfinancial dot com. That's Coss Klaasfinancial dot com
31:16
Speaker 1: and their telephone number six oh eight four four two five,
31:19
Speaker 1: six three seven. And you want to hold on to
31:20
Speaker 1: the telephone number. Now it's time for the Class Quiz
31:23
Speaker 1: Question the Week.
31:23
Speaker 2: It works like this.
31:24
Speaker 1: In just a moment, I'll ask you the Class Quiz
31:26
Speaker 1: Question the Week. You then have thirty minutes from the
31:27
Speaker 1: today's program to call the Class Financial Office right here
31:30
Speaker 1: in Madison at six oh eight four four two five
31:33
Speaker 1: six three seven. If you are the first caller with
31:35
Speaker 1: correct answer, you'll win this week's prize, which is a
31:37
Speaker 1: twenty five dollars gift card to the cheesecake Factory. This
31:42
Speaker 1: week's Class Quiz question week is this what amount can
31:45
Speaker 1: you gift per person in twenty twenty five with no
31:49
Speaker 1: federal gift tax consequences? Is it fifteen thousand dollars or
31:55
Speaker 1: nineteen thousand dollars? Telephone number six oh eight four four
31:58
Speaker 1: two five six three seven. First call correct answer, we'll
32:01
Speaker 1: win that twenty five dollars gift card two the cheesecake Factory.
32:03
Speaker 1: Don't forget as well, that's Class Financials Office right here
32:05
Speaker 1: in Madison, again the number six O eight four four
32:08
Speaker 1: two five six three seven CJ Eric Always great chatting
32:12
Speaker 1: with both of you.
32:12
Speaker 2: Guys.
32:12
Speaker 3: Have a great day, Thanks Sean, Thanks Sean, Take care guys.
32:15
Speaker 1: Doctor Marty Greer joins us next year on thirteen ten
32:18
Speaker 1: wiv eightsisssssssssssssssssssst Hey thirty eight thirteen ten WIBA and Ask
34:24
Speaker 1: the Experts joined in studio this morning. Bye, Doctor Marty
34:27
Speaker 1: Greer of Checkout Veterinary. Phone lines are open for you
34:30
Speaker 1: six oh eight three two one. That's six oh eight
34:33
Speaker 1: three two one thirteen ten is a telephone over here
34:36
Speaker 1: at the station to get on the air with doctor
34:37
Speaker 1: Marty Greer. Of course, doctor Gear comes to us from
34:40
Speaker 1: Checkout Veterinarian. Doctor Grear also recognized as Veterinarian of the
34:44
Speaker 1: Year by the Westminster Kennel Club. You can learn more
34:46
Speaker 1: about Checkout Veterinary on the website checkout vet dot com.
34:50
Speaker 1: That's checkout vet dot com. Not only is the clinic
34:54
Speaker 1: beautifully set up to make things very convenient for you
34:56
Speaker 1: and your pet, low stress making things do come for
35:00
Speaker 1: you and your pet, they're also really easy to get
35:02
Speaker 1: to right on Prairie Lakes Drive, in sunt Prairie, right
35:05
Speaker 1: off the interstate, right off the highway. There you cannot
35:07
Speaker 1: miss them again. It's a great day to start that relationship,
35:09
Speaker 1: start that conversation. Your first visit.
35:11
Speaker 3: It is free.
35:12
Speaker 1: Get that free exam. You can bring one. You can
35:14
Speaker 1: bring a dozen. Bring all your pets in all in
35:16
Speaker 1: one carl.
35:16
Speaker 3: Do you get that?
35:17
Speaker 2: By the way, Good morning, got good to see it.
35:18
Speaker 7: By the way, it's great to see you too. A dozen, yes,
35:21
Speaker 7: you do? You have a dozen at a time?
35:22
Speaker 4: You do?
35:23
Speaker 7: Oh yeah, yeah.
35:24
Speaker 6: If somebody has puppies or they have a whole raft
35:27
Speaker 6: of dogs, we don't care how many you bring us
35:29
Speaker 6: at one time. We have big garage spaces. They're big
35:32
Speaker 6: enough to fit two minivans and to end in. I
35:35
Speaker 6: have done it, so there's lots of room. Please feel
35:38
Speaker 6: free to do that. We can set up for anything
35:40
Speaker 6: you bring us, well, not large animals like not goats
35:43
Speaker 6: and sheep and cows and horses, but any dog cat.
35:47
Speaker 6: You bring a dozen cats, we're happy to wrangle them.
35:50
Speaker 3: How much fun is that?
35:52
Speaker 5: You know?
35:52
Speaker 1: What you guys need to have is like a like
35:54
Speaker 1: a live camera in one of the bays. Just still
35:58
Speaker 1: watch because I also like seeing I think we all
36:00
Speaker 1: like this. I think one of the one of the
36:02
Speaker 1: areas that I'm most jealous of you is you get
36:04
Speaker 1: to work with pets all day and I love watching them.
36:07
Speaker 3: Yeah do their pets.
36:09
Speaker 1: By the way, what's the biggest litter you've ever You've
36:11
Speaker 1: ever seen as far as puppy dogs?
36:12
Speaker 3: Seventeen seventeen?
36:14
Speaker 2: Wow?
36:15
Speaker 3: What kind of dog?
36:16
Speaker 4: Was it?
36:16
Speaker 7: A lab?
36:17
Speaker 2: Okay?
36:17
Speaker 6: Yeah, And we've had several in the sixteens, we had
36:20
Speaker 6: sixteen springers. We've had sixteen labs, We've had We've had
36:24
Speaker 6: some pretty good sized letters. But seventeen No, actually the
36:26
Speaker 6: seventeen was a was an American bully, I believe she was.
36:31
Speaker 7: She walked through my door.
36:32
Speaker 2: My I'm all stopped out.
36:34
Speaker 7: Oh boy, you are having a pile of puppies.
36:37
Speaker 5: Oh yes, we litters, do you?
36:39
Speaker 1: But with those larger litters. And we're going to talk
36:41
Speaker 1: about obviously some stuff in the news, but I just
36:44
Speaker 1: now now that I'm on this, let it go. One
36:49
Speaker 1: final thing is is with that with those with those
36:52
Speaker 1: large litters, I'm guessing they need specialized attention from a vet,
36:55
Speaker 1: don't they.
36:55
Speaker 7: Oh yeah, yeah.
36:57
Speaker 6: Oftentimes if they have more than nine puppies. We'll recomm
37:00
Speaker 6: a C section because you have better outcomes. More puppies
37:03
Speaker 6: are born alive. If we do that, we do need
37:05
Speaker 6: to give the female more supportive care and the puppies
37:08
Speaker 6: more supportive care nutritionally because a she's going to be
37:11
Speaker 6: really wiped out.
37:12
Speaker 7: And secondly, we you know, we'll bottle.
37:14
Speaker 6: Feed, tube feed whatever we have to because I'm not
37:17
Speaker 6: going to let puppies starve to death. Sure you know,
37:19
Speaker 6: that's one of the things I talk about every single
37:21
Speaker 6: time I do a lecture is no one should die
37:23
Speaker 6: of starvation. There's lots of reasons that things go wrong,
37:27
Speaker 6: but starvation is not an excuse. So please, please, please,
37:30
Speaker 6: if you have any concerns about how your pet is eating, baby, puppy, baby, kitten, adult,
37:36
Speaker 6: you give us a call.
37:37
Speaker 7: We're going to have happily see you in happily help you.
37:40
Speaker 2: It's good to know and great information.
37:41
Speaker 1: You mentioned giving a call to the clinic of course
37:43
Speaker 1: six eight three one eight sixty seven hundred.
37:45
Speaker 3: That's six eight three one eight sixty seven hundred for checkout.
37:48
Speaker 1: Veterinary again open Monday through Wednesday and then Friday through
37:52
Speaker 1: Sunday nine until five.
37:53
Speaker 3: We say, well, what about what about Thursdays, what about Wednesdays?
37:55
Speaker 1: Well, well, well they've got you covered at check out
37:58
Speaker 1: that with check in that open Monday through four nine,
38:00
Speaker 1: two five, so.
38:01
Speaker 2: They are there for you.
38:01
Speaker 1: They've also got the clinic in Marshall and Leamyra Is
38:05
Speaker 1: that Myra, right?
38:06
Speaker 3: So it's in the town proper or near Well.
38:09
Speaker 6: Actually no, it's out on the highway. There isn't much
38:12
Speaker 6: in Lamira. It's a town of two thousand people and
38:14
Speaker 6: we're outside of that.
38:16
Speaker 7: But yes. But really great news is in the last
38:19
Speaker 7: five weeks.
38:19
Speaker 6: I've hired five doctors, wow, one for each of the practices,
38:23
Speaker 6: plus a spare, so it's really exciting. I've got one
38:26
Speaker 6: doctor on maternity leave. We've been able to find a
38:29
Speaker 6: replacement for her. I've got two very experienced doctors coming
38:32
Speaker 6: one back to us that used to work for us,
38:35
Speaker 6: a new graduate, and a person who's been in the
38:38
Speaker 6: military for.
38:38
Speaker 7: A dozen years.
38:39
Speaker 6: So we have a whole array of different personality types
38:42
Speaker 6: and different skill sets and different experience levels. So I
38:45
Speaker 6: am so excited because finding veterinarians has been really, really tough,
38:52
Speaker 6: and we've been working on these relationships for a while
38:54
Speaker 6: and they all just sort of fell into place once
38:56
Speaker 6: you three for five and we are in a much
38:59
Speaker 6: better place. It's going to be exciting for starting in March.
39:02
Speaker 6: I've got two additional two of the doctors are starting
39:05
Speaker 6: in the middle of March, so I don't have some
39:07
Speaker 6: of them yet. The new graduate won't be starting until
39:09
Speaker 6: she graduates. It's a good idea to graduate.
39:11
Speaker 7: Yeah, start, you know, get a license, those kinds of things.
39:14
Speaker 7: So we've got it, got them kind of trickling in.
39:17
Speaker 6: But starting the middle of March, we're going to be
39:18
Speaker 6: able to expand some of our hours because we are
39:21
Speaker 6: going to have more doctors.
39:22
Speaker 2: That is great to hear.
39:23
Speaker 1: And of course you can learn more about checkout Veterinary
39:25
Speaker 1: the website. Checkout vets dot com. That's checkout vet dot com.
39:30
Speaker 1: The website is an absolutely fantastic tool. You can even
39:33
Speaker 1: schedule employment and other things right at the website. Checkout
39:35
Speaker 1: vet dot com.
39:36
Speaker 2: Doctor.
39:37
Speaker 1: Last week we started a conversation about the av and
39:40
Speaker 1: flu and bird flu getting into raw food, and I
39:44
Speaker 1: know we had some news here on the on the
39:45
Speaker 1: radio station this morning. It's expanding it. This is scary
39:49
Speaker 1: stuff for cat owners, isn't it.
39:51
Speaker 6: It is, and we don't know if it's going to
39:53
Speaker 6: just reflect only in cat food, but it may also
39:56
Speaker 6: show up in other pet foods like dog food. On
39:59
Speaker 6: January nineteenth, so this was just a couple of days ago,
40:02
Speaker 6: that was Monday, the FDA issued what they call a
40:06
Speaker 6: directive to pet food producers. So they are telling them
40:09
Speaker 6: that if so for any pet food, whether it's processed
40:12
Speaker 6: with heat or not, so whether it's canned, whether it's dry,
40:16
Speaker 6: whether it's raw, freeze dried, whatever, that they need to
40:21
Speaker 6: reconsider some of their processing techniques. Now it doesn't require
40:26
Speaker 6: that they do it, they're just asking them at this point.
40:28
Speaker 6: But if it continues to expand and become more dangerous
40:31
Speaker 6: to our pet supply pet food supply, then we're going
40:34
Speaker 6: to start to see some stronger action from FDA.
40:37
Speaker 7: So it's important that you're paying attention to that.
40:40
Speaker 6: They are saying that in this that the raw meat diets,
40:46
Speaker 6: So I use the Worms and Germs blog very extensively.
40:50
Speaker 6: It's written by an infectious disease specialist from the university
40:53
Speaker 6: up in Guelf, Canada at the Vet School, and his
40:56
Speaker 6: recommendation with people that just fill like they need to
41:00
Speaker 6: continue feeding a raw meat diet is to avoid poultry
41:03
Speaker 6: based diets. Use diets that are high pressure pasteurized HPP,
41:07
Speaker 6: and ask if their HPP is effective.
41:10
Speaker 7: Ask the company about their food safety plan.
41:13
Speaker 6: This is probably the most important is to use good
41:16
Speaker 6: food handling practices. So if you're handling your pet food
41:19
Speaker 6: in your kitchen, wash your hands, be very careful that
41:22
Speaker 6: you're not taking hands that are contaminated with food. Touching
41:26
Speaker 6: the faucets, touching the knives, touching the bread boards, all
41:29
Speaker 6: those things. Disinfect any of those, you probably want to
41:31
Speaker 6: use a good disinfectant, maybe bleach, and then report any
41:35
Speaker 6: illnesses in pets or people that might be linked to
41:37
Speaker 6: the food. So those are the current recommendations. And I
41:40
Speaker 6: know a lot of people are very committed to feeding
41:42
Speaker 6: a raw meat diet, but veterinarians have not seen any
41:45
Speaker 6: documentation that it's healthier for most pets. So in many cases,
41:50
Speaker 6: it is absolutely fine for you to switch to a kibble,
41:53
Speaker 6: to a different style of diet. I don't want you
41:56
Speaker 6: to feel guilty about it. You know, feeding raw doesn't
41:59
Speaker 6: necessarily make you a better pet owner, So I would
42:02
Speaker 6: not hold tight to that right now, because we just
42:06
Speaker 6: don't know where.
42:07
Speaker 7: This is going to go.
42:08
Speaker 6: It was just out on the west coast California, Oregon,
42:10
Speaker 6: in Washington state. But your news today when I was
42:13
Speaker 6: driving down, I was listening and they reported some cases
42:15
Speaker 6: in Colorado.
42:16
Speaker 7: And over a dozen pets have died.
42:18
Speaker 6: So people who are really well meeting pet owners are
42:21
Speaker 6: trying really hard to feed the very best bid they
42:23
Speaker 6: can and then if it turns around, turns out that
42:26
Speaker 6: that turns around on them and it damages their pets health.
42:30
Speaker 6: Oh my gosh, Like, how terrible do you feel about that?
42:32
Speaker 6: So just really be thoughtful about the kind of food
42:35
Speaker 6: you're feeding right now.
42:36
Speaker 1: And kibble, as you mentioned, is a fantastic choice. It's
42:39
Speaker 1: nutritionally very important for you.
42:42
Speaker 6: Yeah, I feed kibble to my dogs. I don't have
42:45
Speaker 6: time to do all this stuff.
42:47
Speaker 7: I feed a lot of dogs.
42:49
Speaker 6: So there's really not any scientific evidence that shows raw
42:52
Speaker 6: meat diets are more effective. If somebody has a better outcome,
42:55
Speaker 6: that's a different conversation. But we don't have any scientific reports,
43:00
Speaker 6: any studies that show that it works better.
43:03
Speaker 1: Okay, And speaking of two, Doctor Stark's Morning with Doctor
43:05
Speaker 1: Marty Grier. Checkout Veterinary Online. Checkout vets dot com. That's
43:08
Speaker 1: checkout vets dot com. Speaking of things in the news,
43:12
Speaker 1: looking at the forecast. Now we're kind of on the
43:15
Speaker 1: good side of a cold snap. It's definitely not the
43:17
Speaker 1: final one of the winter, but we tend to obviously
43:21
Speaker 1: around the summer months, hot days, there's a lot of
43:23
Speaker 1: news and information about proper care for our pets, not
43:26
Speaker 1: as much in these in these colder temperatures. It's important
43:28
Speaker 1: to be concerned about pets in this kind of weather
43:31
Speaker 1: as well as.
43:31
Speaker 6: Absolutely I'm sitting here at your desk looking at the
43:34
Speaker 6: weather forecast and it doesn't look real great for the
43:37
Speaker 6: next week or so.
43:38
Speaker 7: It's still going to be pretty cold that it says
43:39
Speaker 7: eleven o'clock.
43:40
Speaker 6: Eleven degrees is the high or the low on Sunday,
43:44
Speaker 6: So it's going to be pretty cold. So you want
43:46
Speaker 6: to be careful with your pets, sending them outside for
43:48
Speaker 6: an extended period of time. Yesterday, when I got to
43:51
Speaker 6: the clinic and Lamirah, and Lamirah admittedly is a windy place.
43:54
Speaker 6: That's why they put windmills down the marsh from us,
43:57
Speaker 6: I got out of my car and this big gust
43:59
Speaker 6: of wind came up. It was so cold I literally
44:02
Speaker 6: couldn't catch my breath. I mean it was just like
44:04
Speaker 6: and then I got an ice cream headache just from
44:06
Speaker 6: breathing outside.
44:07
Speaker 7: So if you're that cold, remember your pets are as well.
44:11
Speaker 6: So if you have dogs, cats, other animals that are
44:14
Speaker 6: outside and you feel like it's cold enough to call
44:16
Speaker 6: the vat and say, should I bring the cat in?
44:18
Speaker 6: Should I bring the dog in? If you feel like
44:20
Speaker 6: calling the vat is necessary, the answer is yeah, you
44:22
Speaker 6: should probably bring them inside. But what's important is if
44:26
Speaker 6: you do bring them in, don't put them in a
44:27
Speaker 6: large unheated.
44:28
Speaker 7: Space like a garage.
44:30
Speaker 6: Put them in a space that's small enough that their
44:31
Speaker 6: body heat can heat it. So either provide an external
44:34
Speaker 6: heat source. They make heating boards. You can buy them
44:36
Speaker 6: at the farm stores. They work really well. They're black,
44:38
Speaker 6: rigid plastic. They're made by K and H, which is
44:41
Speaker 6: a company here in Wisconsin. They've got a coil wrapped
44:43
Speaker 6: around the cord so the dog won't chew through it.
44:45
Speaker 6: They make little cat houses, they make chicken houses. They
44:48
Speaker 6: make all kinds of really great heated products. They make
44:51
Speaker 6: heated water bowls. So make sure that you're getting that
44:54
Speaker 6: external source of heat to a pet that may not
44:56
Speaker 6: be able to come in the heated water bowls are
44:59
Speaker 6: really important because if you put water out, it's going
45:02
Speaker 6: to be frozen in a very short period of time.
45:04
Speaker 6: So your pets aren't going to be able to get
45:06
Speaker 6: adequate water sources. So think about not just food, not
45:10
Speaker 6: just shelter, but water as well, because when it's frozen,
45:13
Speaker 6: they could they could dehydrate as a result, So provide
45:15
Speaker 6: that heat source, get them into a space that they
45:17
Speaker 6: can stay warm in. If you're taking your little dog
45:20
Speaker 6: out for a walk, you know, think about putting a jacket.
45:23
Speaker 7: Maybe some boots on them.
45:24
Speaker 6: They typically don't like the boots when you first put
45:26
Speaker 6: them on, but pretty quickly they figure it out that
45:29
Speaker 6: they can walk, that they're.
45:30
Speaker 7: Not that they're not paralyzed by the boots.
45:33
Speaker 6: And then, of course, if they're walking in an area
45:36
Speaker 6: where there's salt on the sidewalk or the street, make
45:38
Speaker 6: sure that your if it's your own yard, your own
45:41
Speaker 6: sidewalks in your backyard, your deck or whatever, that you're
45:44
Speaker 6: using the pet safe types of salt.
45:46
Speaker 7: So there are some definite things you can do.
45:48
Speaker 6: The concern I have even though this really cold temperature
45:51
Speaker 6: of eleven degrees is really really cold, the bigger frostbite
45:55
Speaker 6: concern comes at about thirty two degrees ride thirty thirty
45:59
Speaker 6: two when it's slushy and the pet may go out.
46:02
Speaker 6: You know, you're shoveling the sidewalk, you know, cleaning off
46:04
Speaker 6: the deck so they have a place to go, shoveling
46:06
Speaker 6: the yard so the dog can find a place to go.
46:08
Speaker 6: Like if you have a little, tiny, short dog and
46:09
Speaker 6: a lot of snow, you got a shovel for them, because.
46:12
Speaker 7: Otherwise they can't they can't get out there.
46:14
Speaker 6: So if they're out there with you helping you shovel,
46:16
Speaker 6: you may be out there for a longer period of
46:18
Speaker 6: time and ordinary because you're physically active, so you're probably
46:21
Speaker 6: staying relatively warm. But if your dog is standing in slush,
46:25
Speaker 6: that's when we see their footpads get really damaged, their
46:29
Speaker 6: undersides of their their bodies, and you know, if it's
46:31
Speaker 6: a mail dog, things like that. So you want to
46:33
Speaker 6: be really careful with keeping the pets out in those
46:37
Speaker 6: kinds of environmental temperature. So be thoughtful, be careful, use
46:41
Speaker 6: some common sense. If you think it's too cold, it's
46:44
Speaker 6: probably too cold.
46:45
Speaker 1: What about what about I guess the term like barn cats,
46:48
Speaker 1: those type of pets that are that are not really indoor.
46:52
Speaker 1: Building them some type of structure is probably very important.
46:55
Speaker 6: Yeah, you can build just a small enclosure. If you're
46:57
Speaker 6: not handy with wood or with a saw, you can
47:00
Speaker 6: and get a plastic box that you can put them in.
47:03
Speaker 6: We used to have lambs in January, back when my
47:05
Speaker 6: kids were in four each We would lamb. Mean, what
47:08
Speaker 6: a terrible idea. But if you didn't lamb in January,
47:11
Speaker 6: then you were going to have lambs that were ready
47:12
Speaker 6: for the fair.
47:13
Speaker 7: So that's what we did.
47:15
Speaker 6: And they make little lamb jackets. They make little cow jackets,
47:20
Speaker 6: so you can buy those, and my husband that one
47:23
Speaker 6: particular year forgot to buy the lamb jackets in time
47:26
Speaker 6: and the baby lambs were being born. So we set
47:28
Speaker 6: up a plastic box with a heat source, not a
47:31
Speaker 6: heat lamp. I don't like heat lamps. I think they
47:32
Speaker 6: can potentially start fires. But those heated boards from underneath
47:35
Speaker 6: are really great. And I went in the house and
47:37
Speaker 6: took a dog blanket and started cutting it into pieces
47:40
Speaker 6: and putting belcrow straps on it and making little holes
47:43
Speaker 6: for the little lamb's legs to go in. I was
47:45
Speaker 6: so upset with them I'm like, seriously, you did not
47:48
Speaker 6: order the lamb jackets?
47:49
Speaker 7: Are you serious?
47:50
Speaker 6: So and they, I mean dairy farmers use jackets on
47:54
Speaker 6: their calves because if they do that, they keep them warmer.
47:57
Speaker 6: It saves them a lot on feed. The calves grow fit,
48:00
Speaker 6: the lambs grow faster. It's just I know it sounds
48:03
Speaker 6: a little like fufu, but it's really true that.
48:06
Speaker 7: That's what they do. Because you want to do that
48:08
Speaker 7: so you can. Cats won't wear clothes.
48:10
Speaker 6: I'm just going to warn you don't try to make
48:12
Speaker 6: a coat for your cat because they're not going to
48:14
Speaker 6: keep it on. But you can use heated sources and
48:16
Speaker 6: you don't have to be that creative or that handy.
48:18
Speaker 6: Go to the farm store, buy a heated board, buy
48:20
Speaker 6: a plastic storage box, lay it on its side, put
48:22
Speaker 6: the board underneath it, and you know, some bedding in
48:25
Speaker 6: it so that there's something fluffy, blanket, straw, something that
48:29
Speaker 6: allows that pet to kind of bury down in it
48:31
Speaker 6: and be warm enough that they're safe.
48:33
Speaker 1: You'll see those cats sometimes with frost bite damage on
48:36
Speaker 1: their little ears and things of the oh goodness that.
48:39
Speaker 5: Yeah.
48:39
Speaker 6: Well, here's the thing is most of the Spain neuter
48:42
Speaker 6: organizations when they spay or neuter a pet. They now
48:46
Speaker 6: your local vet won't, but those spain neuter organizations will
48:48
Speaker 6: tip the ear. They will cut the tip of the
48:50
Speaker 6: ear off so that at a distance you can see
48:53
Speaker 6: if the cat is spade or neutered, so you can
48:55
Speaker 6: get out your binoculars and see that.
48:57
Speaker 7: But it's only one ear.
48:58
Speaker 6: If both ear tips are missing, hmm, that was frostbite.
49:01
Speaker 6: If one ear tip is missing, it's usually the left,
49:03
Speaker 6: then that was probably because the pet is spader neutered,
49:06
Speaker 6: and then you don't have to try and chase it
49:07
Speaker 6: down to catch it and take it in for sterilization.
49:10
Speaker 6: So just be aware if it's a one eared thing,
49:13
Speaker 6: it's probably because they're spader neutered.
49:14
Speaker 1: Talk this morning with doctor Marty Greer of check Out Veterinary.
49:17
Speaker 1: So we've talked about what's been going on with raw food.
49:20
Speaker 1: We've talked about the cold temperatures. We're talking about another
49:23
Speaker 1: story in the news, which is the tragedy that's been
49:25
Speaker 1: going on in California, Southern California with the wildfires. How
49:28
Speaker 1: it applies to pet owners and the importance of having
49:30
Speaker 1: a go bag and some other things ready not just
49:32
Speaker 1: for your family, but for your pets as well. We'll
49:33
Speaker 1: talk with doctor Greer about that in just a moment.
49:35
Speaker 1: In the meantime, if you haven't had a chance to
49:37
Speaker 1: check out the website for checkout Vet, get on over there.
49:40
Speaker 1: It's check out vet dot com. All one word checkout
49:43
Speaker 1: vet dot com. Great data. Start that relationship. You can
49:46
Speaker 1: schedule apployment right online. You can also give them a
49:48
Speaker 1: call six oh eight three one eight sixty seven hundred.
49:51
Speaker 1: That's six'h eight three one eight sixty seven hundred if
49:54
Speaker 1: you just want to stop on in check out the clinic.
49:56
Speaker 1: They love having guests in twenty seven ten Prairie Lakes
49:59
Speaker 1: drive right and so on.
50:00
Speaker 2: Prairie very easy to get to.
50:01
Speaker 3: We'll continue our conversation with doctor Greer.
50:03
Speaker 1: We will do that next as ask the experts with
50:06
Speaker 1: check Out Veterinary continues right here on thirteen ten WU
50:08
Speaker 1: I B I eight fifty five thirteen ten WU I
50:18
Speaker 1: B A. Talking with doctor Marty Greer of Checkout Veterinary.
50:21
Speaker 1: The website checkout vet dot com. That's checkout vet dot com.
50:26
Speaker 3: Great data.
50:26
Speaker 1: Start that relationship, and they'd love to have you at
50:29
Speaker 1: Checkout Veterinary. They make it really easy to schedule appointment.
50:31
Speaker 1: You can do that right online, or you can give
50:32
Speaker 1: them a call six eight three one eight sixty seven hundred.
50:35
Speaker 1: That's six eight three one eight sixty seven hundred. Don't
50:37
Speaker 1: forget that first visit.
50:38
Speaker 2: It is free.
50:39
Speaker 1: That exams free. Obviously, testing and other things there are fees.
50:42
Speaker 1: The really cool thing too about the website. Checkout vet
50:44
Speaker 1: dot com. Pricing transparency. I know as a pet owner
50:47
Speaker 1: sometimes you wonder what these things are going to cost.
50:49
Speaker 1: If you're wondering, they've got a they've got a really
50:52
Speaker 1: good list. Obviously, all pets are unique. Situations are unique
50:55
Speaker 1: in developing that relationship and getting to know your vet
50:59
Speaker 1: and your vet. Getting your pet really helps out with
51:01
Speaker 1: that stuff too. Doctor, just the news has just been
51:05
Speaker 1: just not It's rarely the greatest thing to be watching
51:08
Speaker 1: those unfortunately, and so much stuff going on. And when
51:12
Speaker 1: I saw the stories out of California with these wildfires,
51:16
Speaker 1: I had heard from folk know, whole neighborhoods decimated, and
51:19
Speaker 1: you heard from.
51:19
Speaker 3: Folks with pets what that's like and the chaos.
51:22
Speaker 1: I'm getting the family together and then of course making
51:24
Speaker 1: sure that the pet's part of it. It's important to
51:26
Speaker 1: have a plan in place. Gosh forbid, anything close that
51:29
Speaker 1: ever happens to anybody. That's that anybody anywhere, But it can't.
51:32
Speaker 6: Things can happen, can't They They can, And it's a
51:35
Speaker 6: good idea to have some kind of a contingency plan.
51:38
Speaker 6: You know, you should have that plan with your family
51:40
Speaker 6: for where you would meet if there's something that happens,
51:42
Speaker 6: and that you have things packed for an emergency, but
51:45
Speaker 6: for your pets as well, so you can have a
51:47
Speaker 6: small backpack packed with some first aid supplies, with their
51:50
Speaker 6: routine medications if they need something, so you can have
51:53
Speaker 6: those things prepped.
51:54
Speaker 7: So if you have to evacuate your home quickly or
51:56
Speaker 7: leave the area quickly, you can grab.
51:58
Speaker 6: That bag and have metics basic first aid supplies, a
52:02
Speaker 6: small amount of food.
52:03
Speaker 7: Just some of the things that you're going to need.
52:05
Speaker 6: It's really important that you plan because without that planning,
52:09
Speaker 6: you can really get into some trouble. The other thing
52:12
Speaker 6: is that many of these animals, the pets and so forth,
52:15
Speaker 6: have been taken to the Pasadena Humane Society. I know
52:19
Speaker 6: our Waukesha Kennel Club made a donation to them, a
52:22
Speaker 6: financial donation to help. I have actually a friend that's
52:25
Speaker 6: a veterinarian in Pasadena, and so they're really struggling to
52:29
Speaker 6: get through all this. So any kind of help that
52:31
Speaker 6: you can give there. There's sometimes places you feel good
52:34
Speaker 6: about giving money to, and sometimes you're not quite sure
52:37
Speaker 6: if it's a little scammy, But the Pasadena Humane Society
52:41
Speaker 6: looks like it's got a pretty reputable place to donate
52:45
Speaker 6: money to for some of these animals. They on their
52:47
Speaker 6: website today it says they have over seven hundred animals
52:50
Speaker 6: there that they're taking care of. So you can imagine
52:52
Speaker 6: the influx that they don't have the paper towels and
52:55
Speaker 6: the staff, and the food and the supplies and the
52:58
Speaker 6: medications and the pain meds and all the stuff that
53:00
Speaker 6: they're going to need for these pets. And you know,
53:02
Speaker 6: if your displaced as a human, you may not be
53:05
Speaker 6: able to find a place that your pets can go
53:07
Speaker 6: with you. You may have to have moved in with
53:09
Speaker 6: a relative or into a hotel, and you may not
53:11
Speaker 6: always have access to those places. So if you have pets,
53:14
Speaker 6: you can really sympathize with how that would be if
53:16
Speaker 6: you had to do an immediate evacuation. I have friends
53:19
Speaker 6: that live out there and they have motor homes or
53:22
Speaker 6: you know, like campers and stuff. They'll just keep them packed,
53:25
Speaker 6: gas in the tank, and if they have to go,
53:27
Speaker 6: they throw everybody in the motorhome and they're out. So
53:30
Speaker 6: you can put things together like that if you have
53:32
Speaker 6: those resources. But even if you don't have that, put
53:35
Speaker 6: together a backpack. If your meds have to be refrigerated,
53:38
Speaker 6: then of course you have to be thoughtful about when
53:40
Speaker 6: you can grab those at the last minute. But some
53:42
Speaker 6: of the other things you should just have those basic
53:45
Speaker 6: if your dog is on or your cats on chronic medication,
53:47
Speaker 6: have a small supply in that bag so you can
53:49
Speaker 6: get out and be safe.
53:51
Speaker 1: Really important stuff. Get to have your pet prepared and
53:53
Speaker 1: have a hard carrier too. Oh, I'm always amazed by
53:55
Speaker 1: how many pet owners don't have like a carrier.
53:57
Speaker 6: For them well, and for cats, actually pillowcases work pretty well.
54:01
Speaker 6: I mean, it is certainly not the ideal situation because
54:04
Speaker 6: a carriers always best, but if you have a dozen
54:06
Speaker 6: cats and one carrier, then you grab your pillow cases,
54:10
Speaker 6: you pop the cats into the pillowcases and very short,
54:12
Speaker 6: you know, for very short transport, that is going to
54:15
Speaker 6: be a safe way to get them out.
54:16
Speaker 7: We do that for our clinic.
54:18
Speaker 5: We have a.
54:18
Speaker 6: Contingency plan if there's a fire at the clinic or
54:21
Speaker 6: some other disaster that we have pillowcases for the cats,
54:24
Speaker 6: we have carriers for the dogs. We know where we're
54:26
Speaker 6: all going to meet, we know what we're going to
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Speaker 6: do if there's an emergency. So have those plans in
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