Plan with Bijan

10/13/2026

Inheriting a Retirement Account? Here Is How to Pay Zero Taxes.

Most people have no idea what happens when they inherit their parents’ retirement account. And the tax bill that comes with it can be devastating.

Here is what most families do not know.

When you inherit a traditional IRA you do not get to let it sit and grow forever. The IRS gives you only 10 years to withdraw the entire account. And if you are already a high earner, every single dollar you withdraw gets stacked on top of your existing income.

The result? A massive tax bill at exactly the wrong time.

But here is what your parents can do right now to change everything.

If your parents convert their traditional IRA to a Roth IRA while they are still alive, the taxes get paid at their rate not yours. And when you inherit it?

You still only have 10 years to withdraw.

But you pay zero taxes on every single dollar.

Not a cent to the IRS.

And your family keeps every dollar your parents worked a lifetime to build.

One conversation with your parents today could save your family hundreds of thousands of dollars tomorrow.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with your parents and every high earner you know who expects to inherit a retirement account. This could save their family a fortune.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/13/2026

Your Life Insurance Is Sending Your Kids to Court.

You took out that life insurance policy to protect your children. But if you named your minor children as the beneficiary, you may have accidentally done the opposite.

Here is why:

Minor children cannot legally inherit money.

So if you have a $500,000 life insurance policy and something happens to you, your children do not automatically receive that money. They go to court and a judge decides who manages that money until your children turn 18, then they receive everything outright at 18.

That is not protection. That is a painful court process. And it is happening to families every single day.

But here is what you can do instead.

Set up a trust. Name the trust as the beneficiary of your life insurance policy. And when something happens to you, your family skips court completely.

If set up right, your children are protected from creditors, divorces, lawsuits and bankruptcies and the money goes exactly where you intended.

And your children get to live happily ever after.

You took out that policy because you love them. Make sure the plan actually protects them.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with every parent you know who has life insurance and minor children. This could be the most important thing they read this week.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/12/2026

THREE Things You Should NEVER Put in a Revocable Living TRUST! 🛑

Not every asset belongs in your trust.

1) Retirement accounts

If you retitle a retirement account in the name of your trust, you could trigger a tax event and face serious consequences from the IRS.

2) Life insurance

Life insurance already avoids probate.

You just need to make sure your beneficiary designations are correct and up to date.

3) Cars, boats, and RVs

These generally shouldn’t be placed in your trust unless they’re extremely valuable collectibles.

A trust works best when the right assets are placed inside it.

Putting the wrong assets in can create expensive problems instead of preventing them.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with anyone who has a revocable living trust. Proper funding matters.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/12/2026

How The Rich Save On Taxes.

If you own a business you are probably paying more in taxes than you have to.

And the people who know this secret are keeping more of their money every single year.

Here is what to do:

Hire your kids.

Not as a favor. Not as an allowance. As legitimate employees doing real work for reasonable wages.

Here is why this is so powerful.

The wages you pay your children are a tax deductible business expense. That means your business pays less in taxes.

And because your children are in a much lower tax bracket than you, they will likely pay little to no taxes on that income at all.

The money stays in your family. The government gets less. And everyone wins.

This is not a loophole.

This is a completely legal tax strategy that wealthy business owners have been using for years.

The rules are simple. The work must be real. The wages must be reasonable. And it must be properly documented.

That is it.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with every business owner you know who is paying too much in taxes. This one strategy could change everything.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/11/2026

Self-Employed? You’re Probably Leaving Money On The Table

If you’re self-employed, you have a few options for retirement accounts. And most people pick the wrong one without even knowing it.

One option is a SEP IRA. With a SEP IRA, you can only contribute as the employer. It saves you some money on taxes, but it leaves a lot on the table.

The other option is a Solo 401(k). With a Solo 401(k), you can contribute as both the employer AND the employee.

That means you can put away significantly more money each year.

More contributions. More tax savings. More money staying in your pocket instead of going to the IRS.

Same self-employment. Same income. Completely different outcome, depending on which account you choose.

If you’re self-employed and still using a SEP IRA, it might be time to have a conversation about whether a Solo 401(k) makes more sense for you.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with every self-employed person you know. This one decision could save them thousands every year.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/10/2026

Probate Will Destroy Your Business

You didn’t build your business to watch it get destroyed in probate court.

But that’s exactly what could happen.

If you own a business and have NO will, your business ends up in probate. Expensive. Time-consuming.

And it could destroy everything you built.

If you own a business and have a will, your business STILL ends up in probate. Your employees left in limbo.

Your clients left wondering. Your family left suffering.

Think about that for a second.

The people who showed up for you every day, your team, your customers, your family, left to pick up the pieces of something that didn’t have to fall apart.

But if you own a business and have a trust that is fully funded and up to date?

Your business avoids probate completely.

Your clients are protected.

Your employees keep their jobs.

Your family keeps what you built.

And everyone gets to live happily ever after.

You worked too hard. You sacrificed too much. You built something real.

Don’t let a missing plan be the reason it all falls apart.

The other consideration here is how the business is structured and what the operating agreement states. Which is why it’s always important to consult with a legal expert regarding your estate planning.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with every business owner you know. Most have no idea this is coming for them.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/10/2026

10/10/2026

Three things every high-income earner should have in place.

If you make more than half a million dollars a year, you should have a trust, and that trust should be fully funded with all of your assets.

You should also have a financial power of attorney so if something happens to you and you become incapacitated, there's someone who can make financial and legal decisions on your behalf.

And lastly, this one isn't a document, but you should build a team of professionals and put a tax plan in place, so you're not paying more in taxes than you need to.

That team should include an estate planning attorney, a CPA, and a financial adviser.

You worked hard to build your wealth. Make sure you have the right plan and the right people in place to protect it.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with a high-income earner who needs to get their estate and tax planning in order.

Comment PLAN below and I'll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/09/2026

Your Rental Property Can Take Everything You Own.

If you own an investment property and it is titled in your own name, you are one lawsuit away from losing everything. Not just the property but everything else you own: your home, your savings, your investments & your business. All of your assets could be personally exposed because of one incident at one property, be it a tenant’s slip and fall, a dispute gone wrong, a contractor getting injured. And suddenly everything you built is on the table.

But if your investment property is held inside a properly maintained LLC?

The lawsuit stays inside the LLC.

Your personal assets are protected.

Everything you built outside that property remains untouched.

And you get to live happily ever after.

Here is what most real estate investors do not realize. The LLC is not just a formality. It is a wall between your investment and your life. And without it that wall does not exist. If you own investment property in your personal name, make sure you work with an attorney and understand your liability. Best practice is to set up the LLC before you make your purchase, as some lenders do not allow you to put your property into an LLC if you bought it as an individual.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with every real estate investor you know who owns property in their personal name. You might save them from losing everything.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!

10/09/2026

The $300K Bill Nobody Saw Coming.

Dad spent two years in a nursing home. Medi-Cal covered the bills. The family was relieved.

Then dad passed away. His kids inherited his home. And a few weeks later a $300,000 bill arrived in the mail. From the government.

Here is what most families do not know.

When Medi-Cal pays for certain nursing home care, the state may seek repayment from the estate after that person passes away.

It is called Medi-Cal Estate Recovery. And it is completely legal.

The home dad worked his whole life for. The home his kids grew up in. The home he wanted to leave behind as his legacy. At risk of being used to repay the state.

But here is what nobody told them. Proper planning could have changed the outcome.

Under California’s current Medi-Cal estate recovery rules, recovery is generally limited to assets in the probate estate. If dad had properly transferred his home into a trust so it avoided probate, the home generally would not have been part of the estate subject to recovery.

His kids could have kept the home.

They could have kept the inheritance.

And they could have lived happily ever after.

This is not a rare issue. Families can face estate recovery without realizing it is coming.

As always, consult with a licensed professional before you try this at home. This is NOT legal advice and it is for educational purposes ONLY!

SAVE this and SHARE it with every family you know who has a loved one in a nursing home or on Medi-Cal. You might save them from a bill they never saw coming.

Comment PLAN below and I’ll send you my free Estate Planning checklist straight to your inbox or DMs.

➡️ Ready to get this done?

If you are based in California, click the link in our bio, then tap "Request a Consultation" on our website!

If you are outside of California, find a trusted attorney in your state and make sure you do this right. Your family is counting on you.

And follow for more!