04/19/2026
► DO YOU HAVE A “LIVING TRUST” BUT HAVE NOT YET “TRANSFERRED OR RE-TITLED” THE OWNERSHIP OF YOUR VALUABLE REAL ESTATE PROPERTIES, BANK ACCOUNTS, INVESTMENTS, OR OTHER IMPORTANT ASSETS, ETC., INTO A “TRUST NAME” OR “TRUST ACCOUNT” OF YOUR LIVING TRUST? WHAT YOU HAVE IS CALLED AN “UNFUNDED LIVING TRUST.” IT IS SIMILAR TO A BANK ACCOUNT THAT DOES NOT HAVE ANY FUNDS IN IT, SO THERE IS PRACTICALLY NOTHING YOU CAN ACTUALLY WITHDRAW FROM IT WHEN THE TIME COMES. WERE YOU NOT TOLD WHAT TO DO NEXT AFTER RECEIVING YOUR “UNSIGNED AND UNNOTARIZED LIVING TRUST”? YOUR MAIN RESPONSIBILITIES AS THE “PRINCIPAL / AUTHOR / OWNER / GRANTOR” OF YOUR “LIVING TRUST” DO NOT END WITH THE NOTARIZATION OF YOUR DOCUMENT. IN FACT, IT’S JUST THE BEGINNING OF MANY OTHER COMPLICATED ACTIONS THAT YOU NEED TO UNDERTAKE AFTERWARDS. IN LAYMAN’S TERMS, “LIVING TRUST” SIMPLY MEANS — THE FIRST WORD, “LIVING,” IMPLIES “EXISTING,” WHILE THE SECOND WORD, “TRUST,” PERTAINS TO YOUR FUNDS AND ASSETS. IN A NUTSHELL, “LIVING TRUST” REFERS TO THE ORDERLY SUCCESSION AND DISTRIBUTION OF ALL YOUR PERSONAL WEALTH AND ASSETS TO YOUR LOVED ONES AT THE TIME OF YOUR DEATH BY YOUR CHOSEN REPRESENTATIVE CALLED A “SUCCESSOR TRUSTEE.” AND THE ONLY WAY YOUR “SUCCESSOR TRUSTEE” CAN DO THIS IS BY PLACING ALL YOUR IMPORTANT ASSETS AND ACCOUNTS INTO A “TRUST NAME OR TRUST ACCOUNT” SO THEY CAN EASILY BE IDENTIFIED AND DISTRIBUTED BY YOUR “SUCCESSOR TRUSTEE” AT THE TIME OF YOUR DEATH. SO IF YOU HAVE NOT YET DONE ANY OF THESE ACTIONS REQUIRED BY YOUR “LIVING TRUST,” THEN THERE IS PRACTICALLY NOTHING YOUR “SUCCESSOR TRUSTEE” CAN DO AT THE TIME OF YOUR DEATH. CONTRARY TO POPULAR BELIEF, WHAT YOU HAVE IS JUST A “MERE HALF-BAKED, EMPTY LEGAL DOCUMENT” THAT DOES NOT EVEN HAVE FUNDS OR ASSETS ATTACHED TO IT. SO WHAT GOOD WILL THIS LEGAL DOCUMENT DO FOR YOUR FAMILY AT THE TIME OF YOUR DEATH? EVEN SUZE ORMAN, THE WORLD’S PERSONAL FINANCE EXPERT, AGREES THAT YOUR “LIVING TRUST” MUST BE FUNDED FOR YOU TO AVOID THE SCRUTINY OF THE PROBATE COURT. AND THE ONLY WAY YOU CAN DO THIS IS BY TRANSFERRING AND RE-TITLING THE OWNERSHIP OF ALL YOUR PROPERTIES AND ASSETS INTO THE “TRUST NAME” OR “TRUST ACCOUNT” OF YOUR LIVING TRUST. EXAMPLES OF THESE “TRUST NAMES” OR “TRUST ACCOUNTS” ARE AS FOLLOWS: “THE JOHN AND JANE DOE REVOCABLE LIVING TRUST, MARCH 15, 2026” / “JOHN H. SMITH, TRUSTEE OF THE MILDRED R. SMITH LIVING TRUST” / ETC. FOR YOUR INFORMATION, THE MOMENT THE GRANTOR OR THE PRINCIPAL DIES, THIS “REVOCABLE LIVING TRUST” THAT YOU HAVE WILL BECOME AN “IRREVOCABLE LIVING TRUST” BY OPERATION OF LAW.
► IF YOU ARE ONE OF THE MANY HOLDERS OF THESE DOCUMENTS OUT THERE WHO UNKNOWINGLY ARE KEEPING AN “UNFUNDED LIVING TRUST,” I STRONGLY SUGGEST THAT YOU DO YOUR “DUE DILIGENCE” BY GOING BACK TO THE ONE WHO ORIGINALLY PREPARED YOUR “LIVING TRUST.” IT DOES NOT MATTER WHETHER THEY ARE ESTATE LAWYERS OR NOT; THE FACT REMAINS THAT WHAT YOU HAVE IS AN “UNFUNDED LIVING TRUST" BECAUSE YOU HAVE NOT TRANSFERRED ANY OF YOUR PROPERTIES AND ASSETS INTO A “TRUST NAME OR TRUST ACCOUNT.” ASK THEM HOW YOU SHOULD GO ABOUT DOING THESE TRANSFERS NOW, FOR YOU TO AVOID GOING TO PROBATE COURT. ASK THEM ALSO HOW YOU SHOULD TITLE OR NAME ALL YOUR “LIVING TRUST ACCOUNTS AND ASSETS” SO YOU CAN PROPERLY FUND YOUR “LIVING TRUST.” IN THIS REGARD, YOU MAY SEEK THE PROFESSIONAL ADVICE OF A FIDUCIARY FINANCIAL ADVISOR OR AN ESTATE LAWYER. BUT TAKE NOTE THAT ALL OF THESE ACTIONS AT THIS LATE STAGE CAN BE AN ADDED EXPENSE WHICH YOU WILL HAVE TO SHOULDER YOURSELF. COME TO THINK ABOUT IT, WERE YOU NOT TOLD OR ADVISED, AT LEAST FROM THE VERY BEGINNING, WHAT A “REVOCABLE LIVING TRUST” FULLY ENTAILS AND WHAT YOUR RESPONSIBILITIES ARE?
► DO I HAVE OTHER OPTIONS FOR NOW? OF COURSE THERE ARE. FOR YOUR INFORMATION, ALL THESE DOCUMENTS, THOUGH THEY HAVE DIFFERENT TITLES, ARE ALSO KNOWN AS “END-OF-LIFE ESTATE PLANNING DOCUMENTS,” WHICH INCLUDE, AMONG OTHERS, YOUR “REVOCABLE LIVING TRUST.” CONTRARY TO COMMON BELIEF, HOWEVER, NOT ALL “REVOCABLE LIVING TRUSTS” ARE CREATED EQUAL OR HAVE THE SAME STANDARD LEGAL WORDING. EACH AND EVERY LEGAL DOCUMENT VARIES DEPENDING ON THE MANNER IN WHICH IT WAS PRESENTED OR THE LEGAL WORDING THAT WAS USED TO CREATE IT, TOGETHER WITH ALL THE LEGALITIES INVOLVED, SO FAR AS ITS COVERAGE IS CONCERNED. IN OTHER WORDS, NOT ALL “LIVING TRUSTS” CAN BE A SURE GUARANTEE THAT YOU WON’T GO TO PROBATE COURT. IT ALL DEPENDS ON HOW IT WAS CRAFTED, WITH ITS WORDINGS AND CONTENTS.
► THERE ARE SO MANY “ESTATE PLANNING EDUCATORS” OUT THERE WHO CLAIM THAT WHATEVER ESTATE PLANNING DOCUMENTS THEY OFFER YOU WILL “DEFINITELY PROTECT YOUR FAMILY FROM GOING TO PROBATE COURT.” WHETHER THIS WAS GUARANTEED OR NOT, THE FACT REMAINS THAT YOU WILL NEVER KNOW UNTIL YOU ARE FINALLY GONE FROM THIS EARTH. IN OTHER WORDS, YOUR FAMILY WILL BE THE LAST ONES TO KNOW AND SUFFER, SINCE THEY WILL BE THE ONLY ONES LEFT WHEN YOU FINALLY PASS AWAY. THIS WILL BE THE “ACID TEST” FOR YOUR OTHER “END-OF-LIFE ESTATE PLANNING DOCUMENTS” THAT YOU SIGNED AND CREATED WHEN YOU WERE STILL ALIVE, WILL REALLY LIVE UP TO THEIR PROMISES. THEN AND ONLY THEN WILL YOUR FAMILY FIND OUT, SINCE THEY WILL BE THE ONLY ONES WHO WILL BE DEALING DIRECTLY WITH THE MANY GOVERNMENT AGENCIES INVOLVED WITH YOUR PASSING, TOGETHER WITH YOUR INSURANCE COMPANIES, YOUR BANK ACCOUNTS, AS WELL AS THE OTHER PRIVATE FINANCIAL INSTITUTIONS THAT THEY WILL BE FACING FOR THE VERY FIRST TIME, INVOLVING YOUR REAL ESTATE PROPERTIES, INSURANCE, ASSETS, BANK ACCOUNTS, BENEFITS, AND ALL OTHERS.
► MORE THAN ANYTHING ELSE, I BELIEVE MY GREATEST EDUCATION CONCERNING THIS SUBJECT MATTER IS MY THREE YEARS OF PERSONAL EXPERIENCE DEALING DIRECTLY WITH THE SAN DIEGO PROBATE COURT WHEN MY WIFE DIED IN 2004. SAD TO ADMIT, EVEN WITH MY KNOWLEDGE, HALF OF OUR INSURANCE MONEY WENT TO THE PROBATE COURT EXPENSES, WHICH I CONSIDER MY “PREMIUM EDUCATIONAL TUITION FEE” FOR ME TO LEARN ALL THE ASPECTS AND SCOPES OF THIS DELICATE SUBJECT MATTER — WHICH, ADMITTEDLY, I WOULD NOT HAVE LEARNED HAD I NOT GONE THROUGH MY THREE YEARS OF A “CRASH COURSE EDUCATIONAL EXPERIENCE” THAT YOU DEFINITELY CANNOT LEARN IN COLLEGE OR IN SCHOOL. NOW YOU TELL ME, WHO WOULD YOU RATHER BELIEVE WHEN IT COMES TO THIS SUBJECT MATTER? WILL IT BE THOSE PROFESSIONALS YOU OFTEN SEE ON THEIR EXPENSIVE ADVERTISING PLATFORMS BUT WHO HAVE NOT ACTUALLY EXPERIENCED GOING THROUGH PROBATE COURT PROCEEDINGS FOR THREE LONG YEARS LIKE MYSELF, WHO ACTUALLY WENT THE WHOLE NINE YARDS AND PAID A “HEFTY TUITION FEE” JUST TO LEARN EVERYTHING THAT I KNOW NOW? YOU BE THE JUDGE YOURSELF. JUST REMEMBER, YOU WILL BE DOING THIS FOR YOUR OWN FAMILY!
► PERSONALLY, I MUST ADMIT THAT THIS HAS BECOME MY “PERSONAL OBSESSION ADVOCACY” BECAUSE I DO NOT WANT OTHER PEOPLE TO SUFFER THE SAME FATE THAT I WENT THROUGH, AND SPEND SO MUCH MONEY, SIMPLY BECAUSE I DID NOT HAVE THE RIGHT AND PROPER LEGAL DOCUMENTS THEN. IN MY DECADES OF HELPING OTHER PEOPLE SINCE 2004, I AM PROUD TO SAY THAT THERE WAS NEVER A FAMILY I HAVE HELPED WHO STILL WENT THROUGH PROBATE COURT AND WASTED SO MUCH MONEY FOR DOING THE WRONG THINGS BY NOT HAVING THE RIGHT LEGAL DOCUMENTS AT HAND. WHAT PAINS ME EVEN MORE ARE THOSE PEOPLE WHO SPEND SO MUCH MONEY JUST TO HAVE AN ESTATE PLANNING LEGAL DOCUMENTS WHICH HAVE NOT YET BEEN TESTED. ONLY TO FIND OUT IN THE END THAT THE “ONCE-EXPENSIVE LEGAL DOCUMENT” THAT THEY HAVE BOUGHT, SIGNED, CREATED, AND KEPT IN THEIR DRAWERS FOR SO MANY YEARS WAS ACTUALLY “OUTDATED AND INCOMPLETE” AND THEREFORE MUST GO THROUGH THE SCRUTINY OF THE PROBATE COURT — WHICH, IN EFFECT, DEFEATS THE VERY PURPOSE OF HAVING AN ESTATE PLANNING DOCUMENT IN THE FIRST PLACE.
► FOR YOUR INFORMATION, THE TOTAL COST OF HAVING YOUR OWN “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING” IS ONLY $225.00 PER INDIVIDUAL OVER 18 YEARS OLD. THIS INCLUDES YOUR TWO LEGAL DOCUMENTS IN ACCORDANCE WITH THE BASIC REQUIREMENTS OF HIPAA: 1) DURABLE POWER OF ATTORNEY FOR FINANCES; AND YOUR OWN 2) LIVING WILL. THE FIRST DOCUMENT FULLY COMPLIES WITH THE MAIN REQUIREMENTS OF THE PROBATE COURT, WHICH STATES THAT YOU MUST HAVE YOUR OWN “FINANCIAL DIRECTIVES.” WHILE THE SECOND DOCUMENT FULLY COMPLIES WITH THE OTHER MAIN REQUIREMENT OF THE PROBATE COURT, WHICH IS FOR YOU TO HAVE YOUR OWN MEDICAL OR HEALTHCARE DIRECTIVES. THERE IS NO NEED FOR YOU TO CUMBERSOMELY TRANSFER ALL YOUR ASSETS, REAL PROPERTIES, BANK ACCOUNTS, ETC., INTO A “TRUST NAME” OR “TRUST ACCOUNT.” UNLIKE OTHER ESTATE PLANNING LEGAL DOCUMENTS, THE BEST PART OF HAVING YOUR OWN “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING” IS THAT IT IS VALID NOT ONLY WITHIN THE UNITED STATES OF AMERICA AND ITS TERRITORIES BUT IS ALSO VALID IN MOST COUNTRIES ALL OVER THE WORLD, INCLUDING THE PHILIPPINES. THIS IS VERY IMPORTANT AND VALUABLE, ESPECIALLY IF YOU ARE A FORMER FILIPINO OR A DUAL CITIZEN WHO HAS EXISTING REAL ESTATE PROPERTIES, ASSETS, BANK ACCOUNTS, MONTHLY PENSIONS, ETC., IN THE PHILIPPINES.
► CAN I HAVE THIS “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING” FOR MYSELF EVEN THOUGH I ALREADY HAVE AN EXISTING “REVOCABLE LIVING TRUST”? YES, YOU DEFINITELY CAN. IN FACT, THIS IS WHAT OTHER “REVOCABLE LIVING TRUST” HOLDERS ARE DOING NOWADAYS. THIS IS BECAUSE OUR “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING” LEGAL DOCUMENTS ARE BOTH “COMPLEMENTARY AND SUPPLEMENTAL” TO ANY EXISTING “REVOCABLE LIVING TRUST.” NOTHING CONTAINED IN OUR “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING” IS ACTUALLY “CONTRADICTORY OR AGAINST” YOUR PERSONAL WISHES THAT YOU HAVE INITIALLY EXPRESSED IN YOUR CURRENT “REVOCABLE LIVING TRUST” OR OTHER END-OF-LIFE ESTATE PLANNING LEGAL DOCUMENTS THAT YOU HAVE RIGHT NOW. THE BEAUTY OF OUR “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING” IS THAT YOU DO NOT NEED TO UPDATE YOUR ASSETS, PROPERTIES, BANK ACCOUNTS, ETC., AND PAY A SEPARATE “REVISION FEE” EVERY TIME YOU HAVE ANY CHANGES IN YOUR ASSETS. FOR AS LONG AS YOU CAN PROVE THAT A SPECIFIC ASSET IS UNDER YOUR LEGAL NAME, THEN IT AUTOMATICALLY BECOMES PART OF YOUR “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING.”
► THERE CANNOT BE ANY BETTER TIME THAN “NOW” FOR YOU TO HAVE YOUR OWN “FINAL ADVANCE DIRECTIVES FOR ESTATE PLANNING.” REMEMBER, YOU ARE DOING THIS NOT FOR YOURSELF BUT FOR YOUR FAMILY’S FUTURE BECAUSE YOU WANT TO PROTECT YOUR OWN LEGACY. THE CURRENT EVENTS HAPPENING AROUND US ARE ENOUGH REASON WHY YOU SHOULD DO THIS “NOW”. FOR YOUR INFORMATION, THIS IS THE ONLY “END-OF-LIFE ESTATE PLANNING LEGAL DOCUMENT” THAT MY FAMILY HAS. NOTHING ELSE, NOTHING MORE, BECAUSE IT’S ALL THAT WE NEED.
► CALL GEORGE LUNA SANTOS FOR ALL YOUR QUESTIONS REGARDING THIS SUBJECT MATTER, PLUS MANY MORE. MY CONSULTATION WILL ALWAYS BE FREE UNTIL WE FINALLY NOTARIZE YOUR LEGAL DOCUMENT. MY MAIN OBJECTIVE IS SIMPLE — I WANT YOU TO HAVE “YOUR LIFETIME PEACE OF MIND” FOR YOUR BELOVED FAMILY.
► CALL GEORGE LUNA SANTOS AT (858) 689-0609 OR EMAIL ME: [email protected]
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AS EVERYBODY KNOWS, THE PRICES OF AIRFARES HAVE GONE UP AGAIN BECAUSE OF THE INCREASING JET FUEL COSTS AS A RESULT OF THE CURRENT MIDDLE EAST CRISIS. FROM $495.00, THE TOTAL COST OF AIRLINE TAXES HAS GONE UP TO $745.00 FOR LAX TO MNL ROUND-TRIP AIRFARES, AS AN EXAMPLE. IF YOU HAVE “DEFINITE AND CONFIRMED PLANS” OF TRAVELING LOCALLY OR ABROAD THIS YEAR, DO YOURSELF A FAVOR — BUY YOUR AIRLINE TICKETS NOW! THIS IS THE ONLY WAY YOU CAN “LOCK IN” YOUR AIRLINE TICKET PRICES, ESPECIALLY IN TERMS OF THE INCREASING JET FUEL SURCHARGES AND ALL OTHER TAXES THAT GO WITH IT. SO WHAT ARE YOU WAITING FOR? CALL OSIE C. SANTOS NOW IF YOU ARE REALLY THAT SERIOUS ABOUT SAVING MORE MONEY FOR YOUR FUTURE TRAVEL.
► CALL OSIE C. SANTOS AT (619) 475-3262 OR EMAIL: [email protected]
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