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Moné Swann is a financial professional and not an attorney. The information presented is for educational purposes only and does not constitute legal advice. Any discussion of trusts, living trusts, estate planning strategies, Medicare annuities, asset protection, or related topics is general in nature and not a recommendation or instruction to implement any specific legal structure. Individual circumstances vary. You should consult with a licensed attorney or qualified legal professional before making any legal or estate planning decisions. If you would like to speak with a properly licensed legal professional, please contact our office for a referral to one of our trusted partners. What happens to your bank account when you pass away? Here is the part nobody talks about. If your account is only in your name, the bank can freeze it. Yes, freeze it. That means bills cannot get paid, family cannot access funds, and everything may have to go through probate before a dollar moves. Probate is not evil, but it is slow. And when your family needs immediate access for funeral costs, mortgage payments, or everyday expenses, delays can create unnecessary stress. The good news? There are good ways to plan. And then there are better ways. Some strategies avoid probate but create other risks. Others give you more control, flexibility, and protection without courts stepping in or accounts being locked down at the worst possible time. If you want to understand how access to bank accounts really works after death and how to structure things properly, this episode breaks it down in plain English. No fear tactics. No legal jargon overload. Just smart planning that protects the people you love. #MonéSwann #TheMirror #CollaborativeExpansionFoundation #CEF #Moneswannlife #BIVX #Secure65HealthPlans #EstatePlanning #FinancialEducation #WealthPlanning #LegacyPlanning #Probate #TrustPlanning #AssetProtection #RetirementPlanning #MoneyMatters #FinancialLiteracy #ProtectYourFamily #GenerationalWealth #MoneyTips #DidYouKnow #FinancialFreedom #SmartPlanning #LifePlanning #FamilyFirst #Adulting #RetireSmart