Legacy Lawyers

We talk about the juicy details of cases that our law firm has dealt with. (Of course changing the names and details to protect attorney client privilege) Without using lawyer talk and legalese, we dive into what options our clients were faced with to fix their situation.

Legacy Lawyers is a education podcast hosted by Unknown Host, with 137 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Legacy Lawyers, a education show with 137 episodes published.

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  Episode #136

  Protecting Your Retirement Accounts from the SECURE Act Traps Nobody Told You About [Ep.136]

  Aug 7, 202632 min

  87% of people who inherit an IRA make a mistake that can destroy up to half the account's value. Most of them have never heard of the rule they broke. In this episode, Michael Haslam and Brian Edwards break down what actually happens after an IRA or 401(k) gets inherited. The old "stretch IRA" that let heirs spread withdrawals over their own lifetime disappeared in 2020, replaced by a flat 10-year window. And as of 2024, the IRS clarified something most families still don't know: many heirs also owe an annual required distribution in years one through nine, not just a deadline at year ten. Miss it, and the penalty is steep. Key Takeaways: The Stretch IRA Is Gone: Why the old model of "leave it to the kids, they'll spread it over their lifetime" stopped being true in 2020, and why so many plans are still built around it. The Real 10-Year Rule: How the 2024 final regulations settled years of confusion. If the original owner had already started required distributions, the heir owes annual distributions too, not just a lump sum by year ten. The 25% Penalty: What happens if a required distribution gets missed, and the two-year window that cuts the penalty from 25% down to 10%. The Roth Conversion Move: Why converting before death, while the owner is in a lower tax bracket than their kids will likely be, can shift the entire tax bill to a cheaper rate. Michael Haslam and Brian Edwards are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only and does not constitute legal advice. Visit voyantlegal.com or call 801.951.0500.

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  Episode #136

  Gen X: You're the Most Financially Exposed Generation and Nobody Is Talking to You [Ep. 136]

  Jul 23, 202637 min

  62% of Gen X adults have zero estate planning documents — a higher rate than Gen Z, Millennials, or Baby Boomers. The generation carrying the most financial complexity is the least protected, and almost nobody is saying it out loud. In this episode, Nathan Croxford and Taylor Stone break down the four pressures hitting Gen X at the same time: supporting aging parents and kids simultaneously, inheriting IRAs under a brutal new 10-year distribution rule, approaching the biggest business exit of their lives, and doing all of it with outdated or nonexistent plans. They make the case for why right now — at peak earning and peak complexity — is the moment to actually build one. Key Takeaways: The Sandwich Squeeze: Why nearly half of adults in their 40s and 50s are supporting an aging parent and a child at the same time — and what happens when neither generation has the right documents in place. The Inherited IRA Time Bomb: How the SECURE Act's 10-year rule replaced the old "stretch IRA," and why inheriting a retirement account during peak earning years can push every dollar into the highest tax bracket. The Business Exit Window: How a $2–10M business sale can trigger $400K–$2M+ in taxes without pre-exit planning — and why the strategy has to start years before the sale, not after. The Outdated Plan Problem: Why a trust from 2011 with beneficiaries from when the kids were toddlers can be just as dangerous as having no plan at all. Nathan Croxford and Taylor Stone are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only and does not constitute legal advice. Visit voyantlegal.com or call 801.951.0500.

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  Episode #135

  Your Kid Just Turned 18: The 3 Documents Every Parent Needs Before College [Ep. 135]

  Jul 10, 202631 min

  The moment your child turns 18, you lose all legal access to their medical records, school records, and financial accounts — not some access, all of it. Most parents find this out in a hospital waiting room, when it's too late to fix. In this episode, Nathan Croxford and Brian Edwards break down exactly what changes the day a child becomes a legal adult, and the three documents that restore a parent's ability to help — before the first week of college, not after an emergency. Key Takeaways: The HIPAA Wall: How turning 18 cuts parents off from medical records entirely — even if they're paying the insurance premium — and the HIPAA waiver that fixes it. HIPAA vs. Healthcare Directive: Why "access to information" and "authority to make decisions" are two different documents, and why a hospitalized adult child's parents need both. The Financial Power of Attorney: How this document covers bank accounts, student loans, housing contracts, and fraud response — and why being a joint account holder only covers that one account. Springing vs. Immediate Authority: Why an immediate power of attorney can act in a real emergency without the delay of proving incapacity. Nathan Croxford and Brian Edwards are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only and does not constitute legal advice. Visit voyantlegal.com or call 801.951.0500.

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  Episode #134

  6 Legal Ways to Reduce Your Taxes (That Most People Don't Know About) [Ep. 134]

  Jul 2, 202642 min

  Selling a highly appreciated business, property, or investment usually means writing a big check to the IRS — but the tax code offers legitimate ways to reduce or eliminate that bill. Most people either don't know these strategies exist, or assume they're only for the ultra-wealthy. In this episode, Michael Haslam and Nathan Croxford break down six legal levers for reducing your taxes — from structuring a sale so it's never a taxable event, to deferring gains for decades, to shifting income to family members in a lower bracket. They cover who each strategy actually helps (business owners selling to family, real estate investors, high income earners, anyone sitting on an appreciated asset), why a properly structured trust can turn a taxable sale into a non-event, and why any strategy — no matter how good it sounds — needs to be vetted by a real tax attorney before you use it. Key Takeaways: The Non-Taxable Sale: How selling a business to a properly structured trust for your kids — instead of directly to them — can eliminate the taxable event entirely. The 1031 Exchange: How real estate investors defer capital gains taxes indefinitely by swapping properties, and why holding until death can erase the deferred gain for good through stepped-up basis. Deductions vs. Credits: Why a tax credit saves you a dollar-for-dollar amount while a deduction only saves you your tax rate — and how a cost segregation study can turn a $1M building purchase into a $300,000 deduction. Changing Your Tax Category: Why capital gains rates beat ordinary income rates for high earners, and how an S Corp structure eliminates self-employment tax on profit distributions. Michael Haslam and Nathan Croxford are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only and does not constitute legal advice. Visit voyantlegal.com or call 801.951.0500.

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  Episode #133

  The Utah Domestic Asset Protection Trust: A Tool Most States Don't Have [Ep. 133]

  Jun 12, 202649 min

  Most people assume asset protection is for the ultra-wealthy — offshore trusts, Cayman Islands, $50,000 to set up. It's not. And for Utah residents, there's a tool right at home that delivers the same core protection at a fraction of the cost. In this episode, Nathan Croxford and Brian Edwards break down the Utah Domestic Asset Protection Trust — what it is, how it works, and why fewer than half of U.S. states even offer it. They cover who it's actually built for (small business owners, landlords, professionals with liability exposure), how the distribution trustee structure is what makes creditor protection legally bulletproof, and why the window to set one up closes the moment a lawsuit begins. Key Takeaways: The Offshore Alternative: How a Utah DAPT delivers comparable protection to an offshore trust at a fraction of the setup cost — with no foreign trustee fees or IRS international filings. The Distribution Trustee: Why separating distribution authority from trust management is the legal mechanism that keeps creditors out — and what happens if you skip it. The Seasoning Period: Utah's two-year clock for existing creditors, how it can be shortened to 120 days, and why future creditors are protected from day one. What You Actually Keep: The investment control, veto powers, and flexibility that make an irrevocable trust far less restrictive than most people expect. Nathan Croxford and Brian Edwards are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only. Visit voyantlegal.com or call 801.951.0500. 

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