# E100 - Don't Die Without Creating These 4 Documents First… Page: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e100-don-t-die-without-creating-these-4-documents-first Text version: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e100-don-t-die-without-creating-these-4-documents-first.md Podcast: [Remnant Finance - Infinite Banking (IBC) and Capital Control](https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217) Published: 2026-05-22T13:04:51+00:00 Episode link: https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E100---Dont-Die-Without-Creating-These-4-Documents-First-e3jobv5 Audio file: https://anchor.fm/s/f80e64e4/podcast/play/120384933/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-4-22%2Feb91fc37-4a9b-ef17-560b-4e0bc750646d.mp3 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/episodes/e100-don-t-die-without-creating-these-4-documents-first Duration seconds: 6017 ## Resource Connect with Rohit Punyani: https://ownersasset.com/resource-library Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for a deep dive on estate planning, building from the basics that every family needs all the way up to advanced techniques used by ultra-high-net-worth families. Ro and Hans start with the four foundational documents every American needs regardless of net worth, then transition into the real heart of the episode: how life insurance functions as the single most powerful tool in estate tax planning. They walk through why "insurability is a currency," how convertible term lets you shield tens of millions from estate tax without consuming your exemption, and why the conventional advice to move everything out of your estate is often wrong. Chapters: 00:00 – Opening segment 01:55 – Why estate planning is unique to every family 04:25 – The Last Will and Testament: pros, cons, and the guardianship rule 09:35 – The "title test": what goes in the will vs. the trust 12:30 – Probate, public record, and Robin Williams 18:10 – Revocable trusts: what they actually do 25:40 – Frankenstein trusts and the funding problem 27:55 – Pour-over wills as the catch-all 33:25 – Why vague l… ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/episodes/e100-don-t-die-without-creating-these-4-documents-first/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e100-don-t-die-without-creating-these-4-documents-first.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.