Estate Planning with Beverly Hills Attorney David Soffer

0:01 Welcome to Probate Weekly. And sometime the goal is to avoid probate. And in California, it's definitely worth having the right person to help you make sure that your plan keeps you out of probate court. I'm really excited to have today, Beverly Hills attorney, David Soffer, on the topic of estate planning primarily. David, thank you for joining us today.

0:19 Oh, my pleasure. Thanks for having me. So, I always look at, you know, probate as somebody didn't do their job. either the decedent didn't plan ahead properly or the attorney didn't make the right plan or the decedent and attorney didn't work out together to get the plan effectuated. so proper estate planning is important. Talk about why you're that's the practice that you focus in on.

0:41 Absolutely. So we do at our firm both estate planning and probate and post-death administration. And so there are often times where somebody's passed away who's done proper planning and or done the bulk of the work that they need to do. For instance, funding their trust and getting assets into the name of the trust during life. But life happens and the things are unexpected at times and assets come and go. Accounts open and close and sometimes not everything is accounted for. And there are frequently times where something falls through the cracks. And this is why we do probate as well. even if you have close to the most buttoned up plan, not everything is always perfect.

1:23 So, obviously there are things that you can avoid and I always feel like if there's enough money involved, somebody's going to sue you anyhow. But as a general rule, what are maybe one or two of the most common mistakes you see people make in not preparing? Maybe they have a plan of sorts, but they didn't plan properly. What are one or two of the key mistakes that you see that lead people to not having the outcome they planned on?

1:44 Yeah, absolutely. Well, I think I can start from the most basic, which is just not planning at all. No documents whatsoever or very bare bones documents that really haven't

1:56 Been well thought through are often going to lead to disasters. I'm not going to cast aspersions on the do-it-yourself stuff, but typically you get what you pay for,

2:06 Right? Beyond that, I think something that might come as a bit of a surprise, but frequently, even when you have the most straightforward plan, something like everything to each other and then the kids equally, there are decisions around the margins that really require some thought. So, what I'm talking about specifically is frequently kids will be named as trustees as after the parents go. Well, I have seen that create friction between siblings when it doesn't otherwise exist. Or even more to the point, naming one of the kids who everybody agrees is the one who is good at this, naming one kid as in charge of everybody's money even for a short amount of time can absolutely create a dynamic that will have permanent damage and friction throughout the relationship for the rest of their lives. So, that's something that I always want to make sure that clients are really being thoughtful about.

2:59 Right. Yeah. That's where I see It's very subtle, but oftentimes the child most qualified in terms of technology or techniques or characteristics is the worst person to do it because they may have the relationship with the other siblings or the time to communicate properly with the siblings and the other ones maybe who are less capable but are honest and communicative might be better. So it's an interesting choice. So how do you advise clients when they when they advise I have this sibling who's a you know successful businessman I have these other two are have nice lives and all but I want the businessman to be in charge you know and you might the businessman successful child not be on best terms the other siblings and can that not lead to all kinds of problems

3:44 Absolutely so we talk we talk through this at length and frequently we just want to I tell them this is not my family I don't know the dynamic I don't know your kids like you do and so if this is the right choice, this is the right choice. However, just consider that you may be setting them up for something that is avoidable. And let's consider potentially a neutral. What about a professional trustee? What about a family member or an adviser who is not directly related to the situation at hand? What about naming them all together if putting one in charge of the others is going to be problematic? I also counsel clients a lot about managing expectations and communication. Not that it's required and sometimes again back to not knowing the family dynamic and not knowing whether that's going to be detrimental, but telling everybody what they think is going to happen while they're alive and what to expect really goes a long way in provo preventing friction in the future. I know there are some attorneys who advise to provide the minimum required and other ones who want to lay it all out so if there's any objections it comes out right away meaning I believe when there's a trust involved all members of the trust are all who would be heirs at in if it was intestate are required to be noticed that there is now a irrevocable trust and then they can request a copy of it and then they'll get it or not. so there's a process there and other trainers just say just send them the whole thing right away so there's no dispute. So where do you fall in that camp or is it a case by case decision?

5:21 The latter for us because we are we are a smaller more boutique firm that really focuses on individual matters and try to be a little bit more bespoke with every matter. I do lean towards the camp of send it to them because they can get it anyway. It'll extend the statute of limitations. But there might be very good reasons not to. There might it might create the hubbub that you're trying to avoid by sending everybody everything. And so we try to be situation specific.

5:50 Yeah, it seems like that's the best policy because I can make cases for both being better. I as a realtor I've been in both cases where what I'm always on the wrong one of those by the way. Just I got the heir who doesn't get the copy of it but he once I got the other one he gave out too much and it upset the other siblings. So I seems like I'm always on the wrong end of that deal. one of the most common problems as a real estate agent, obviously I get involved in this piece of it more than anything else, is I have a customer who has a worldclass plan. It actually shimmers gold up to the heavens. There's unicorns and rainbows over it. They pull it out, you know, because I'll say, "Hey, I noticed that you hold title as Mary and Jane as Mary and David Smith. do you not have a trust?" "Oh, no, we have one." and they pull out this beautiful binder with all kinds of papers flowing and they open the top page is the deed of trust never executed and the all the other instructions. So it just seems like the number one area that causes problems just of course I'm in that part of it is the real estate not being funded properly. Talk about that problem and what you do to advise clients to avoid that problem or what you do to help them.

6:53 Yes, of course it's common. It's frequent. I think it starts with educating the client. and that certainly starts with the attorney to tell them that trusts work best when they are funded when the assets are owned in the name of the trust and really it is not an arduous process to accomplish that. Certainly with the real estate in my opinion that should be part of the preparation of the trust in the first place. The but this is not a surprise to me that this happens frequently. Clients are quick to feel like when they are done with signing their trust, they are done with estate planning. And truly, it's a lifelong process, right? Just like life is fluid and flexible and things change. So too does their estate plan. And it is really it's a marriage between the words on the page, the titling of the assets, the family dynamic, the ownership, all there's all sorts of things that go into what a act the actual estate plan is at the end of the day. And so having a beautiful gold-plated estate plan is is only one piece. It does it's only as effective as the rest. What do we do? Well, certainly we have all sorts of trusts and estates that we administer where we didn't write the plan or we weren't involved in the planning. And so we have to clean up messes constantly. that that for whatever reason that that type of matter often seeks us because it needs some what I'll what I'll say an elegant solution to a complex problem.

8:19 Of course at our disposal is what's called a Heggstad provision or sometimes it's called an 850 petition. This is applying to the court to avoid probate altogether and ask for the judge to transfer that real estate that wasn't in the in the trust but is supposed to be into the trust without a full probate. very successful historically. Anecdotally, we found actually that we think that the court is getting a little bit stricter on granting these. They are starting to push back just a little bit. So, I wouldn't say they are complete guarantees and there have been times even when they were routinely successful that there are pragmatic problems with filing a Heggstad to clean this up. Sometimes we have filed a probate instead and I can explain why. Oftentimes what we will get is the trustee comes to us says the house isn't in the trust but I already have an offer. I'm ready to sell. What do I do? I can't sign this. And our answer frequently is if you if we prepare a Heggstad petition we're going to get a hearing 70 days from now and you're going to lose

9:24 At best. At best I think that's right. I would say six months, but I Yeah, it depends on the county as opposed to a hearing for probate, which is supposed to be within 30 days and we'll get you the authority that you need to sell. And there are times where we go down that route. They will we are fully transparent with our with fees and the and the process and they've decided that's the better choice for the estate or the trust.

9:47 Yeah. Yeah. That's a common misconception. It's interesting. You're the first attorney that's picked up on that that I've heard because they'll often say, "Well, yeah, we can just do a Heggstad." Yeah, that's still is six months.

9:57 The attorney's fees are not that much less than a probate. Still got to go to a hearing. You got to publicize things. Somebody can still object if they're going to object. If they're not object, then it's likely split, but still six months, seven months before it gets done, right?

10:11 And a probate, you can be done in 35, 40 days. Theoretically, we try we try to be as practical as possible with the with what's in front of us. And there are lots of ways to solve problems.

10:22 So, we talked about the not having a plan. We talked about not finding a plan. Are there any particular issues that you see in people who have plans that also lead problems down the road when it comes time to administer any jump off the page? I do I can tell you and this again may not be something that one would imagine immediately but dividing your estate in percentage small percentages between a million different beneficiaries gives every single one of those beneficiaries rights to information rights to ongoing administration of the trust which can become incredibly cumbersome for the trustee for the attorney for everybody involved as opposed to potentially if we are truly trying to honor people with small bequests that would represent a it might be so much more economical and practical to just name them for a dollar amount or a set amount to at which point they are then satisfied once they receive that amount and no ongoing rights or rights to information,

11:22 Right? because inevitably there's some more cars involved before the final divvied up and they always end up with a little bit less than expected and even it's a little less it's always less and they're upset and yeah that's a class that's interesting and so do you do you advise them to have a fixed amount and maybe some sort of a administrator's discretion at the end to if there's money left over to use their own their own judgment on the rest or

11:44 We always need we always need a provision that says the rest goes here and even if the rest is divided but what I'm really trying to avoid is the rest getting divided into a million different pieces.

11:56 Correct. The rest could be one, two, three beneficiaries, but once we start getting into so many more, it becomes, I think, counterproductive.

12:08 Got it. Now, do you also deal with estate litigation? I mean, I guess there's some routine litigation, but when there's actual major litigation, do you handle litigation or somebody else in your firm handle that or We do not. We try to stay outside of the contested fights, but it's not always possible. Unfortunately, not all the families that come across our desk are super harmonious. And there are times it depends. If something comes to me as litigation, we'll refer it right out. If something is brewing and we are already involved in the administration and it turns into litigation, oftentimes just relationship wise, we will co-counsel or bring somebody in to help. And I think, you know, clients don't often understand there's two different aspects, right? There's the estate expertise and the you the client expertise that you have, but oftentimes, you know, detailed involved litigation is a separate kind of character trait. There's, you know, there's litigators who can litigate anything pretty much and or litigate a wide range of things and that's they're just they're a different breed. These are my experience. they are I focus mo much more of my practice also on trying my best to help families achieve goals rather than trying to and not that there is there is great service and great need for litigation is just not where I want to spend my time.

13:31 Got it. Yeah. You know, it's interesting you say that because I have a colleague who's in specialized like I do in probate and to build her business, she added another which she thought was related and commonly pitched to real estate agents as related field in divorce real estate. And I said, you know what, I'm married 39 years, one day at a time, hanging on by my fingernails. I don't need more divorce people in my life. I have friends who are divorced. We have all kinds of friends who divorced in various stages. I don't need anymore. not, you know, I wish them well and I like to help them, but I just don't put myself in that position. I can imagine litigation, I think, is it's a different breed that some people love and thrive on it, but it's just not I don't see that.

14:13 Absolutely. And again, I think there is a great need. In fact, I think that the need is going up with the amount of estates and trusts that are going to be needed to be administered in the next decade plus. We're going to see more and more litigation. But we try to be we try to be proactive even in our planning stages by administering we tend to learn and it influences the way we draft in our estate planning so as to be practical and litigation avoidant. So when you do just help me define the term estate administration, are you advising the administrator you know the successor trustee or do you actually perform the acts as the successor trustee on behalf of the estate and do the actual work of you know marshaling resources and distributing them?

15:05 No, we like to stay in our lane. We represent trustees and executors and fiduciaries and so much of our world is private without court involvement where we are settling trusts that don't need probate court intervention. Our clients are frequently professionals. So we represent banks and trust companies, but I would actually say the majority of them are lay people. The friend, the kid, the surviving spouse, the sibling, you name it. and they look to us to really guide them because it's their first time through this process and so we try to handhold them throughout.

15:45 One area that as a real estate agent in this business now for six years focused 100% on it. So I do quite a bit that I just see a lack is the you mentioned the fiduciaries or a professional to assist the estate so that rather than successor trustee having to be a sibling or friend or family member that there's somebody who does that work because it really is work. you know, when you take a $40 million estate and, you know, marshall it and manage it and then distribute the resources, it's like you're running a business, it's a $40 asset business and while you might think your child can handle that,

16:22 Most people you would never hire somebody typically to do that job unless they were doing it all the time. And so I find two things. One, unmet need for more professional fiduciaries. And second, there's so few of them in the business. It's like they're not they all tend to be older. More of them are aging out of the industry. I don't see young people going into it. So, what do you do when you see an estate needs? How quick are you to bring somebody in? Do you have your own rolodex of people that you work with regularly?

16:49 We do. We do. We absolutely do. we have our half a dozen that we rely on frequently. I don't want to work with everybody. I don't think everybody wants to work with me, but we do. We have our go-tos and a lot of it is a personality fit or a skill set fit and we are quick to volunteer. I tell the siblings or the kids who are nominated, this is a thankless job. This is work. You're entitled to get paid because this is going to be more work than you realize. And you don't have to do it. You don't have to say yes. It doesn't jeopard jeopardize your status as a beneficiary if you are one in order to step down from doing the work. There are professionals who do this and they will charge a fee but they you will be happy to pay it I think by the end. I had a family member who passed and no children. So me and my sister and brother were the mains and my sister called me one day saying you I'm really sorry to tell you this but she didn't want you I'm the oldest child to be the administrator she asked me to be or successor trustee. Great

17:52 Could be helpless. Yeah, I mean I'm here to help and I and I don't want to be that sibling that's a problem and I know what to do so I can help and make some recommendations but the paperwork and the forms and you know there's liability involved in it and I don't want to be the source of causing you know disharmony to my siblings. I mean it's just it's it is thankless work whatever you get paid never is worth the time I don't think.

18:14 Absolutely correct. And the ones who do it as professionals god bless them I just I wish there were more of them. Yes. Yes. We try to align with younger, not always, but often, we like to have younger professional fiduciaries because we also are younger in our practice, relatively speaking, to some of the older practitioners. And it tends to be the clients who look for that in their attorneys also look for that in their professional fiduciaries or certainly when they're na considering naming somebody as a successor trustee. you know, if it's appropriate, I'd love to meet one or two because I'm often asked to introduce somebody and I almost apologize when I refer a case to a fiduciary these days because they're all busy. I've never had one to ever really want I try to get them on my podcast. They're all very busy. It's just

19:01 Oh, yeah. interesting industry that and I also try to encourage people who are maybe accounting background or attorneys. I think it's a great business opportunity. you know, you have to, you know, like everything else, manage your time and your boundaries and all that, but I just feel like it's a business with increasing demand and apparently no competition or very little competition.

19:21 Yeah, there's there's more than enough work to go around. Seems like. So, let's talk about if you don't have a plan, you know, Cal State California has a plan for you. It's kind of like the DMV just is not as customer serviceoriented as the Department of Motor Vehicles is. and I know you guys do probate filings and probate administration. talk a bit about your practice as it relates to helping people who need to for whatever reason file a probate. you know, where do you fit in that role? What's a common case look like for you?

19:49 Yeah, of course. Probate can come in lots of different forms and lots of different varieties. We've opened all sorts of probates. Right now, we have everywhere from what are called zero asset probates, meaning we've opened them for a specific purpose, even though there are no assets to probate. Sometimes it has to do with litigation. sometimes on either side. and then we have multi-million dollar probates because the decedent didn't do proper planning and we have lots and lots of business interest or real estate or brokerage accounts, etc. that need to go through this process. But they all kind of start the same. They all start with some filings with court and us leading the client through what this means and what this looks like, who we have to notice, etc. We are going to absolutely try our best to think through what the court is going to look for and try to proffer it first before the court asks for it. So again, we are trying to think a couple steps ahead and make sure that we're have everything accounted for. So by the time the hearing rolls around, since we've been waiting for however many weeks to get this thing going, they're ready and they are going to approve us ideally and get the get us moving because what we really want to do in the probate world is start the clock ticking. We really want to get we have things to get done. We have lots of things to get done including some of lapsing time for things like creditors and closing the estate for that matter.

21:16 That's where everybody wants to get and we're trying to do it as efficiently as possible. Did that answer your question? Yeah, 100%. You know, I have a saying in real estate. There's nothing good that happens from the day I list the property until the customer gets their check. Everything is bad.

21:29 And in probate, I think it's the same thing that from the day they file, there is nothing good until they get the distribution at the end. It's all bad, expensive, time wasting. And it you know it I'm always surprised at

21:43 Two things. The challenge and I know it's a challenge for the attorneys to communicate with their customers effectively about what expectations are because no matter how many times attorneys will say it doesn't take about a year or longer, the customer just hears I want my money. That's all I hear. and they might they can not sign the bond forms and not sign this and I sign this for months and you can call them every day for a month. They're not going to remember that at the end. They just put their money. It's it's just interesting.

22:10 Of course. Of course you're right. Of course you're right. honestly, the longer a probate stays open, the more chance for something to go wrong, right, while it's still hanging out there. So quick co can hit. I've been around long enough. All these things have happened along the way. the I've had guardianships or I mean conservatorships where the conservatee passed. So you go through all that and then now you got to do a probate because they didn't have trust put together.

22:40 Oh, we've dealt with we've dealt with several where the executor in probate has died in the process and that is you know now we're back to need needing to not start over but redo things and change stream. I think this is where you can tell somebody who's really in the business because an attorney like you kind of brags about some of the problems and the ones who aren't really appropriate for customers kind of complain about how much work it is. But really, you know, these are badge of honors. I had one probate where it was conservative. he they created a trust. He passed. They left and then we sold property as conservative. We sold property as a trust and they left two properties out of the trust and we sold those back into probate. it you know and I think those are the things that you can't ever anticipate everything but you have to be ready and I think again moving diligently.

23:35 So you know there's obviously a fine line between you know and I know I face this am I pushing the train too hard but I know that the sooner they move the better for them as well as a customer right you only get paid when it closes too. You don't get paid before. So you your customers not happy till they get paid. So you're not, you know, by pushing the attorney. Where's the fine line between me being too pushy and me being helpful and a good constant reminder?

24:01 It's a it's a great question. I would say that ideally attorneys are mindful of the time that is ticking and don't need to be pushed in order to get things done. And I'm sure that if they are not moving, it's because they have other things that are taking their time and attention as well. but there is no reason to let things linger or deadlines to be missed. And so if you are approaching any sort of time sensitivity, absolutely push because that is that is probably going to help spur everybody involved to get things done. I know there attorneys that take kind of a wide approach on working with vendors bank and real estate agent obviously being one where some say hey I want to go this way because we have to control the process to get the result and others who are more

24:50 Let the customer decide and I find sometimes the customer particularly the banking can get really tripped up you know going to Wells Fargo to open an estate account just boom just blow your brains out it's much more fun where you on the spectrum how tight or controlled you try to keep your probate process or how much do you leave to the discretion of the customer?

25:08 Again, I think it's situation specific. There are there are certain you will like this. There are certain probates for instance that I won't take unless we are using a professional fiduciary because it is too messy and I need somebody who knows what they are doing in order to navigate and I simply won't take it if not and there are other times where everybody seems confident and everybody seems willing and we will say okay you know whatever you want to do let's go and everywhere between depends on the service too. a realtor in the probate world, in my world, the right one is going to make my life much easier and the wrong one is going to make my life much harder. the banking relationship is going to be provide unnecessary obstacles if they'll just go to the banking center that we refer them to because they know what to do and we can streamline this

25:58 Some and it's not even I'm sure it's not even the banking center but it's probably the branch you recommend that knows what to do versus every other branch is just like a nightmare transaction.

26:06 Exactly. Yeah. talk a little bit about and I know attorneys have strong feelings on this subject advances to heirs you know I want they're like payday loans they're expensive but sometimes they help the customer get the case filed or started maybe some initial funds and also at the same time it's really expensive money u and I try to explain the what those options are to customers up front where do you how do you advise clients who say hey I need $23,000 for reimbursing funeral expenses and whatever new car, you know, they're going to get half million dollars a year from now,

26:41 But it is expensive money. It could be, you know, 20% 30% of the money or more. So, how do you advise people on advances? I will tell you candidly, it has not been a big part of our practice. I think just from where we sit in the in the field, we have rarely come across cases where that is a real necessity. and I think that if it was, it may not get to our desk because there are other attorneys who kind of work in that that space a little bit more. We've we've encountered them before, but I don't tend to advise clients or beneficiaries about them.

27:18 Okay. So, again, you're doing maybe a little higher end clientele on average. I do find even those clients end up the advanced companies kind of get to them on the back end of the deal. It seems like true. It's a lucrative business and they do well. I think those are the ones that always surprise or disappoint me, right? But they're talking to a beneficiary, not or an heir, not to the administrator. So the administrator was organized enough to get to you and file the case. The heirs may not be. And so that's why they're maybe settling for those higher rate loans.

27:45 You bet. Very true. Yeah. And we've had to we've we represent one professional fiduciary on a regular basis who gets nominated by another attorney who represents the advancement company. And so there is there is absolutely a whole fabric of interests that are that are being pushed here and everybody has their own and so we're trying to you try you have to navigate around these things. It's funny you say because I was on a hearing yesterday with a particular attorney representing a particular advance company. and then today two in a row in the same case by coincidence same attorney both the same representing the same advance company and kind of the same issue

28:27 And two others and so there is you're right they all they kind of have their interests separate from the my client in my case or being the real estate agent very much the client. So yeah you have to be aware of that. So talk a bit about you know I know that your business just to kind of wrap up a little bit that your business is really you know focused in this area right that when I go to your website I don't see that you represent DUIs I don't see you know divorces I don't see bankruptcies I see estate planning or estate administration focus their content all related there so you've made that decision to do that that's a courageous decision at some point because so many attorneys I think to their detriment grab onto everything and don't master anything when did you make the decision to focus on that area and what was that like? Must have been difficult at first.

29:12 Well, I at the beginning of my career, I worked at some of the largest mo multinational firms that exist for a couple of years each and realized that's not the environment that I wanted to spend my career in. And so that was when I made the decision to look for something that I could do on my own. And I had some exposure to the T& world within one of the practices. I had done a deal with the Frank Sinatra estate and I had some overlap with the T& department in terms of like nonprofit working on nonprofit and it was even the same time where my in-laws brought me in as the hey this is the new attorney in the family let's have him participate in our estate planning so I got some exposure and it was a light bulb went off and said oh this is something that I can do and I can represent individuals rather than giant corporations and I can use my mathematical bent and So, I went back and I got what's called an LLM in tax, which is an advanced degree in tax from law school with the idea of opening up my own shop and trusts and estates. And this was three mortgages ago, three kids ago, a wife that worked. I mean, this was a there was less risk involved, but I guess in hindsight, you're right there. It was a it was a jumping with both feet and it was either going to work or it didn't. And thankfully, it did. And so what would your advice be to attorneys who kind of holding on to four different things at once and struggling, you know, time-wise, their practice, you can't really organize it effectively. I just see that I want to give them career advice. So let's take the opportunity in a non-threatening way. How many advisor is struggling a little bit financially?

30:46 He's doing business, but he's kind of got his hands in three or four different things, not mastering any or creating brand space in his client's heads about any in particular that why they should consider specializing.

30:57 Well, I personally believe that the best marketing any attorney can do is do good work for somebody you'd be reasonable to work with. And so, the more you know about one particular field and practice area, you become that person's guy or girl. And then they speak to their friends and their inner circle and word gets out that you are the person to go to in this particular niche. And that to me makes the most sense in the world. Dive as deep as you can to be really good at one thing.

31:24 That's great care advice. Last piece of advice for other attorneys is if you're able to share, what percentage of your time or energy do you put into business development as opposed to the practice of law? Right. your individual shop and you partner, but it's not like you're a huge firm. No,

31:41 Even there they do business development. So, kind of talk about how you allocate your time on that. Sure. So, we have four attorneys here and some staff as well, paralegals and assistants, but truly I am the sole rainmaker for the most part, the sole business generator. And so I do spend a lot of time on business development, but thankfully almost everybody needs what we do in some respect in some way, in some shape or form. And so we get referrals from all sorts of various sources. And I think that probably half of my time during a day is spends on what I will call non-billable, whether it's networking or business generation or even speaking to prospects and clients, speaking to those referral sources, etc. There is there is quite a m because we have to play the long game. What we know we know what we have today, we don't know what we have tomorrow. So sometimes it's laying down track.

32:35 Well, for the record, I appreciate being one of the non-billable hours in your day. I really appreciate your time, but more importantly, I appreciate educating us on, you know, state administration. I think also you've given us some good business advice. For those who want more information, sofferlawgroup.com is the website, and I have a link there because it has this handsome face on the front. Down below we have the contact information [phone number shown on screen] or reach out to me. Be glad to forward it as well. David, thank you so much for your time today and thank you for giving us really the I think some good business insights to help us on how to be more effective in all of our businesses.

33:08 Thank you, Bill. Thanks for having me. Fantastic. And for the rest of you, this is Probate Weekly. We do this every week. I interview top attorneys mostly often vendors, practitioners in the business of probate to learn how to do our business better, serve our customers better. If you want to be interviewed or you know somebody you should be, feel free to send that information along. Call, text, or email. Subscribe if you like this. As always, make today your best day ever.