039 Ivette Kuyateh: Legal Wisdom for Prosperous Family Futures

Ron Greenwald: 0:00

Welcome in. This is Ron Greenwald, the Ron Greenwald Show. This podcast is a professional form for all of those that dedicate themselves to working with older adults to listen to and hear and understand stories of great value, insight and support for as we age. And it's really the mission of Ron Greenwald the podcast to help guide older adults to make informed and intelligent and productive decision making so that, first of all, their family always has Thanksgiving together and they understand that planning is really going to relieve them of anxiety, so they know what the future looks like it's not a straight shot to the, you know and so that last third of life is through planning and execution and information that we really have an incredible journey. So with that, I am honored and privileged to introduce you to Ivette Kuyateh. Did I say that? Okay, Close enough, Close enough. Cuyete aw Group and I just are honored to have you here today. Your background is simply inspiring, awe-inspiring for somebody to go onto your website and look at your past and what you're doing today and really how you are here to really be an advocate and really be a voice for people that don't have the voice. I love what you have trademarked. Kingdoms Hero. Lawyer in Heels Kingdoms Hero. Lawyer in Heels. That is worth repeating. So, Yvette, I'm going to allow you to take it from here and introduce yourself to the listening audience.

Ivette Kuyateh: 1:54

Thank you, Ron. Thank you so much. Now I got a buy you lunch. That was such an awesome introduction.

Ron Greenwald: 2:00

Oh really, I just I spent last night just rereading this. It's so inspiring.

Ivette Kuyateh: 2:05

Thank you, I appreciate you having me on. Yeah, I, like you, mentioned Kingdoms Hero Lawyer in Heels, and so what that stands for is Kingdoms. I'm a Christian lawyer that goes before everything I do. I always say God is my CEO. She-row Lawyer in Heels. I love Heels that right now I broke my toe, so you know we're doing platform heels today. But what I do, ron, I help families, and I'm able to do that in a way where we get into some really awesome planning when we'll talk about today and a lot of my clients are estate planning clients, as you are aware of, and we go through a lot of the planning of what that will actually look like, and I also have a lot of. My other side of my practice is helping victims of crime. I'm a former prosecutor and so I really focus on empowering those victims, on rebuilding their lives, and so all of that. To say, money is at the center of all of it. Money gives you choices and you have choices when you have money to plan with and for, and so we'll get into that. But, in a nutshell, that's what I do.

Ron Greenwald: 3:24

Well, let's go back in time a little bit. So you grew up where?

Ivette Kuyateh: 3:30

I grew up in Mexico, okay, in Guanajuato, up until I was about seven or eight, and then went to California, up in Northern California, and grow up there.

Ron Greenwald: 3:42

And undergraduate.

Ivette Kuyateh: 3:44

UC Davis. Oh, that's right. Yeah, yeah, uc Davis I love that campus.

Ron Greenwald: 3:49

My stepdaughter went to UC Davis and she didn't take wine classes and that's wine classes, but she's got a fabulous degree and it's a fantastic school.

Ivette Kuyateh: 4:00

So you go from there to I went from there to hitting the workforce. I was a social worker In my previous life and I worked for Child Protective Services. I was a court investigator.

Ron Greenwald: 4:13

This is all in California, all in.

Ivette Kuyateh: 4:14

California. Yeah, and then decided it was time for law school, and that's what brought me out here to San Diego originally.

Ron Greenwald: 4:23

So you went to law school here and then pack up to go to Virginia. I'm trying to yeah, not right away yeah.

Ivette Kuyateh: 4:33

We moved back up to Northern California. I did some civil litigation work for some firms up there and then met my now wonderful husband, who was living in Virginia.

Ron Greenwald: 4:47

Right, there's always a boy in this, right, well, I mean the wife has hashtag girl, mom and mentor to others. I just, I mean, just, it's very inspirational, your website, thank you. So you go to Virginia and you become a prosecuting attorney Correct, okay, for the municipality in Virginia.

Ivette Kuyateh: 5:09

Yeah For the Commonwealth of Virginia and prosecuted domestic violence and sexual assault, crimes towards the ins and juvenile crimes, but did that for a little while. That's initially what I set out to do during law school.

Ron Greenwald: 5:23

Is to be prosecuted, like elder abuse and that type of crime against citizens.

Ivette Kuyateh: 5:30

Yeah, all crimes against victims.

Ron Greenwald: 5:32

And then okay, so you do that for how many years?

Ivette Kuyateh: 5:37

That was out there for a couple years and then we decided that it was time to come back to California, and so we were back. We were back to San Diego shortly after that opened up Cuyate law group.

Ron Greenwald: 5:51

And your is your husband an attorney.

Ivette Kuyateh: 5:53

He is not. Thank God no.

Ron Greenwald: 5:58

So you open up the, you open up the law group in in how long ago?

Ivette Kuyateh: 6:02

Right before the pandemic actually. So it was Martin Luther King Day a little bit before before the pen and Martin Luther King Jr Day of 2019, actually, and so and when you came, when you pick up and leave Virginia I've seen your husband has you.

Ron Greenwald: 6:23

You don't have it and you're going to set up a whole. You're going to put out the shingle and set up a new practice.

Ivette Kuyateh: 6:27

Yeah.

Ron Greenwald: 6:28

Your husband has a job, I assume in some capacity. Yeah, here, no, no, not really no no, my husband's also an entrepreneur.

Ivette Kuyateh: 6:36

Oh yeah, he's an independent securities license financial advisor. Oh so he had the freedom and the clientele to literally work from everywhere.

Ron Greenwald: 6:46

Gotcha.

Ivette Kuyateh: 6:47

That that that was a blessing, and initially I didn't open up my practice right away. I actually went to work for another civil litigation firm and then quickly decided it's time.

Ron Greenwald: 7:00

And did something happen to trigger I want to go and do estate planning work and all the other things that you do. I mean what? What triggered that change?

Ivette Kuyateh: 7:10

Yeah.

Ron Greenwald: 7:10

Was therea tipping point?

Ivette Kuyateh: 7:12

Yeah, no, I actually fell into the actual practice of it. My husband's clients needed estate plans and I started dabbling and really quickly decided this is really rewarding work and this found my niche in it, basically because I realized in my own family experience wow, you know, we, if we really really had solid estate planning in my personal family experience this the kind of stuff we're still living generations in wouldn't have happened. So just, I just knew the value of it, but I didn't realize really how rewarding it was to do it.

Ron Greenwald: 7:58

So again, you saw the human side of the law. I mean, well, I mean you're prosecuting bad guys, so that to me is that's pretty intense, that had to be pretty intense, and what kakudos for you for for doing that. So now, in terms of your, the share of your practice, you have a book. Tell us a little bit about that.

Ivette Kuyateh: 8:20

Right, so I do have any book this one, however. So this is called how Money Works Stopping a Sucker. Okay, and it's written by Tom Matthews and Steve Siebold, and it's not my personal book. I wrote, but it is a foundational book that I use to teach my clients about money and it's number one right now book on financial literacy. I brought you a book.

Ron Greenwald: 8:49

Thank you.

Ivette Kuyateh: 8:50

I brought you a book. Thank, you. And your team too, and I really think that money, in my experience, is the foundation of our choices. That we have. It controls everything. We're seeing it nowadays, right From what groceries you buy, where you get to live, right when you get to plan, and so, no matter what my clients are walking in through the door with, when they know about their money and they have some sort of autonomy on how money actually works or isn't working for them, it's powerful to be transformed with that knowledge, so I use it across the board.

Ron Greenwald: 9:34

Is that your intro? I mean, when the client comes in, is that something that's kind of laid out on the table? I mean, let's talk about where you're at with this.

Ivette Kuyateh: 9:42

Yeah, no, no, not, not. I wouldn't say not at the inception. It's more of a gradual, I would say, process. Some people come in and they are ready to talk about all of their money. But money is a taboo topic, right. So some people aren't ready to talk about that kind of stuff. But we get into it very quickly. As far as you know what you're fighting about, where your life circumstances are, what planning do you have? And for estate planning clients particularly, it does come in when we're going through what are your plans? Right? Where are you going to be down the road?

Ron Greenwald: 10:24

I'm interested in terms of you said you helping rebuild people's lives that are victims of some type of assault or abuse. So that's part of your estate planning practice or is that a whole, separate part of the law group?

Ivette Kuyateh: 10:40

It goes hand in hand, for sure, but I'll give you the way of how I use it. So, as a prosecutor and doing the work in domestic violence and victims' crimes, we see time and time again that victims in 99% of the cases this is an actual statistic financial abuse is an abuse that they experience and so, whether it is a victim human trafficking, a domestic violence victim, a victim of elder care, you know situations, money, when their money is controlled, their options are controlled, and so getting their psychology around, knowing the money and then having the milestones that are awesome in there in this book about what are the milestones you need to have, build for yourself maybe some have it, maybe they don't gives them kind of a roadmap of where they need to be, so a victim might leave and not have anything, but they know, okay. My roadmap is maybe building a security, you know, three months emergency fund, Maybe, okay. Next step is looking at my cash flow, my expenses, my debt. Okay, Not everybody is at the asset management part, Not everybody is at the I have assets to put in a trust part. So it really runs the gamut across the board, right. But for victims specifically, it gives them a roadmap.

Ron Greenwald: 12:16

So if someone's a, I mean this is very close to home right now for me because somebody very I won't mention names or anything like that but somebody who I know very, very well for a lot of years was assaulted, brutally assaulted, and I'm kind of finding out a little. I mean, she's not communicating really well with the outside world, she's kind of you know, and so I'm just like, from your standpoint, you have, you have. I think you're back, you have us. Well, you have the degree, and originally in your not care psychology, so you really have that ability to reach out and touch people, to bring them out in their shell, and I think planning is certainly as if they have the plan and they're going to feel much more comfortable with moving forward.

Ivette Kuyateh: 13:13

Yeah, yeah, I mean, can you imagine? I mean, if you, we don't know where to start something, it feels overwhelming, you know. But if you give them a roadmap of, hey, this is where you need to go Now, those that big mountain cut down into little milestones is so much more attainable.

Ron Greenwald: 13:32

Do you work with the district attorney's office here in San Diego County to get people to come to you as to help them put those plans in place? Because I think that would be. Is that something that has actually happened?

Ivette Kuyateh: 13:46

So I actually work a lot with the Northern North County Family Justice Center.

Ron Greenwald: 13:53

Okay, I do.

Ivette Kuyateh: 13:53

my firm is one of the providers. We do a lot of pro bono work when it comes to financial abuse and literacy. We do a lot of talks in the community and educate them on that, and so, yeah, we're definitely connected in that.

Ron Greenwald: 14:14

Are you seeing, are you a lot of these people, elders, I mean, are you seeing a lot of that? The elder abuse, the elder financial abuse?

Ivette Kuyateh: 14:21

Definitely, that is definitely a population. But the Family Justice Center focuses more specifically with domestic violence or sexual assault victims.

Ron Greenwald: 14:33

Wow.

Ivette Kuyateh: 14:34

Yeah, but yeah, they do awesome work and I've been blessed to be able to train their people, and so I've done a number of trainings to first responders and DAs that you know they need to know what financial abuse is.

Ron Greenwald: 14:49

Right.

Ivette Kuyateh: 14:50

Because, as a prosecutor we see time and time again. You know, victim calls 911, someone gets picked up, then it's the hearing time. Well, by the time you get to the hearing time, they recant. They don't want to testify. They don't want their loved one in jail. Why? Because if he goes to jail, who's going to pay rent? How am I going to do it on one income? So there's a lot to the puzzle than just show up to the hearing and prosecute.

Ron Greenwald: 15:16

And when do you come into that loop or when are you brought into that loop?

Ivette Kuyateh: 15:22

As far as the plant right now, more training their people and the service providers so they can recognize right. So my whole goal is can I get out there and educate the masses on what are the red flags of being financially abused? What does it look like? You know, what are some things that I can look like, that I can see that, so I don't normalize behavior, so I can start paying attention.

Ron Greenwald: 15:56

As I say, just it's interest. I did just a full circle here because I was used to be very involved with Paul Greenwood, who was our former deputy district attorney here. I don't know if that name resonates. He's been retired for a few years. But financial elder abuse is something in my world that I have seen over and over and over again. It's usually a family member, it's not. A lot of times it's the adult child, the 50 year old son who's taking a financial advantage of mom. It's just heartbreaking to see that, and so I'm just fascinated. Women of influence and law 2023, on a reef in the San Diego Business Journal. You are really placed yourself out there to really be supportive, and that all comes back to again. Your primary focus is estate planning for the couples, for individuals. I mean, is it young families that are coming in to see, is that really your niche as young families, trying to set up that initial estate plan?

Ivette Kuyateh: 17:05

Yeah, a lot of them are. But I'll tell you, ron, my niche has really been the families. Specifically, most of the time it's the elder daughter or sister that are in the sandwich generation, right, and so you know what I mean by that. But for your listeners, they aren't familiar right. It's the adult daughter that has little kids or kids at home, but also mom and dad or grandma, grandpa, that she's caring for. So if you can imagine the burden, the trifecta right of trying to care for two different stages of life and at the same time trying to get your own stuff together, pay the bills, let alone save for your own retirement right, that's really where my niche has been and I can identify in that niche from a variety of perspectives.

Ron Greenwald: 18:04

But Are you that niche? Are you that person?

Ivette Kuyateh: 18:08

Not right now. I can't say that I am, although our girls run the gamut of ages right, but I'm not taking care of my own parents right now. My parents are deceased.

Ron Greenwald: 18:19

Oh.

Ivette Kuyateh: 18:20

But I can definitely understand. You know what that entails in the Latino culture. That is what we do, right, you know that's just what we do.

Ron Greenwald: 18:31

And you are obviously your bilingual. Give us that culture. Do they embrace? There's the culture I mean they're intergenerational, for sure. Do they embrace planning in terms of the trust and all that, like I envision?

Ivette Kuyateh: 18:53

Yeah, Well, it's interesting because when I first got into it I was like, how do you even say trust and span it?

Ron Greenwald: 19:01

I don't know, how do you it's?

Ivette Kuyateh: 19:03

video comicio.

Ron Greenwald: 19:04

Okay.

Ivette Kuyateh: 19:05

Right, it just sounds like this what is that? I had never heard it before. And that's the thing in our culture. It's not something that we grow up with.

Ron Greenwald: 19:15

Is that because everybody is the patriarch, the patriarch assumes that everybody's going to get along?

Ivette Kuyateh: 19:20

Oh, definitely, but I mean, we have novela sopapra. We know that that's not true, right, like we know that that's not going to happen, but also, you know, like majority families, even outside the Latino culture, we don't really understand how money works. So, going back to the book, right, we just don't grow up with this knowledge, inherently, of what do I need to do to protect my assets, what do I need to do for long term care planning of myself, of my family, of my grandparents that are getting older. We just don't grow up with that. We just it's not something that's definitely taught in schools, let alone in Mexico. I know that's not taught in schools, they're or here. So it is a sort of a strange concept in most families I found.

Ron Greenwald: 20:08

And is it? How do you transform that? How do you turn the switch on to go? This is really the benefit. I mean. A family has worked, they're took us as off, for lack of a better expression and they have accumulated some properties whether in Mexico, san Diego, california, whatever the case may be and actually have something to pass along generationally. How do you get them to go? You're right, you bet. How do you get them to go? Yes, I need to do this.

Ivette Kuyateh: 20:40

It's the daughter, right, it's that. It's that's where my niche comes in.

Ron Greenwald: 20:44

Okay.

Ivette Kuyateh: 20:44

Why? Because once she can articulate to her folks, to her grandparents, to where we're like, listen when something happens to you. Here's what's going to happen to me. Do it for me, and then it changes their mindset, see, because if they understand and you know, I, I I talk to a lot of professional women and you might know this lawyers they leave the firms, they leave the practice right At high rates. Because why? Inherently, lawyer women are caregivers, as we are in society in general. So that is the quickest thing that I see really derailing their careers. And when I can communicate that to them so they can instruct their parents listen, I'm going to have to take days off, take care of you, to take you around, to handle my kids. Now, your, your stuff, my career is going to take a backseat. If I can still keep a career right, my savings are going to plummet. If I even have savings, your savings are going to plummet if you even ever, you know even have savings. Sometimes they can articulate that please don't put me in that worst case scenario. Oftentimes that's the aha moment, you know. And then the other piece of that is for Latino families, the home, la casa, is the 401k, and once they understand like it's not as simple as just, I'll put my kid on the title Once they understand probate and all of those things and Medicaid and all of the other things that come into play, that's when they go. Okay, I need to protect it.

Ron Greenwald: 22:32

We actually we have a episode a couple of months ago. Suzanne, she, it's the classic story. She has two brothers one she had to put a restraining order on against so he wouldn't come visit his parents. The other one lived out a state. She gives up her life pretty much to move in with mom and dad. It's a great episode because I always, when I see somebody moving in with mom and dad to be the caregiver, and that person who's moving in has siblings, I'm going. Let me tell you how this is going to go down when your mom and dad pass away. It's going to be a poop show, just to put it bluntly. And there's so little force thought in the tongue of the distribution of the assets, the quality of the distribution of the assets. I did this and now you want it to be a third, a third, a third when I gave up my. But they never think about let's make it a transactional ahead of time. Let's talk to mom and dad about okay, if I do this, then what's the? They just don't want to. They don't want to go down that path of making it a transactional business relationship. So that's what I see over and over and over again. So that's really where you've come in and go listen, let me, let me help you, let me help you.

Ivette Kuyateh: 23:56

Let me help you here. Let me tell you what's going to happen on that side.

Ron Greenwald: 24:01

On that side.

Ivette Kuyateh: 24:02

Not even thinking on what's going to affect you personally.

Ron Greenwald: 24:06

Well, I it's so unbelievably because, again, suzanne, who was on the podcast, she, she literally had to move out and get cause she just it was, it was. It's an interesting again, the dynamics of the father's daughter, mother daughter relationships, all of that comes back into play and it's people think they can handle. Well, I could go on and on. Being a caregiver in general is the hardest job and you burn out and you usually it's your health that deteriorates faster than the person you're caring for. And I just am thrilled to this, you know, for you to be that advocate to that sandwich generation to say, listen, that's, before we go down this path, let's have a plan.

Ivette Kuyateh: 24:51

Yeah, for yourself, for yourself.

Ron Greenwald: 24:54

Yeah, well, that's fantastic. Yeah, I'm very interested. You obviously, in terms of your faith, comes into a big part of that. How is, how do you, how do you weave that into the estate planning and your business model?

Ivette Kuyateh: 25:12

Wow, that's a really great question. I've never been asked that before, cause I mean it's you know the religion, religious.

Ron Greenwald: 25:19

Religious is a big part of your life.

Ivette Kuyateh: 25:21

Yeah, it's huge.

Ron Greenwald: 25:24

So how do you relay that into your plan?

Ivette Kuyateh: 25:27

Well, I've had the opportunity to pray for my clients with my clients. You know I, I am who, I am upfront, right, that's not for everybody, um, but I also don't don't shy away from it, and I'm self employed. You're in great, I mean.

Ron Greenwald: 25:46

I'm I. I think it's fantastic you are embracing it yes. The first line of your website experience. Excellence meets zealous advocacy. Again, I, I, if anybody that wants to be inspired in the evening, go to the website and just really be inspired. Meet our trailblazing founder, the devoted Christian. So that is, faith is numero uno there. I'm sorry, daughter, but anyway that's fascinating. You embrace it in part of your business model.

Ivette Kuyateh: 26:19

Yeah, absolutely. I mean I guess I, god, is my CEO, and sometimes that means praying for my client. Sometimes that means doing pro bono work, sometimes that means not doing something Right. I'm led by the Holy Spirit 100% I try to be and no matter what my clients come in, you know their beliefs, their system or whatever I just I, I. I know that having to be accountable to a big guy upstairs who I'm accountable to, you know that at the end of the day keeps me where I need to be right Centered and being able to show up as the best that I can for them.

Ron Greenwald: 27:08

And it was Christianity something that has happened recently, or is that going back to your college days? I winded this. When did that? I mean again, I'm. I'm. Well, you know Christianity is a very important part of one's life. Obviously, religion is part of one's life, so you've made this part of your model. I'm just fascinated. Was this something that transformationally happened, or was this something that your family, part of your family, upbringing?

Ivette Kuyateh: 27:39

Yeah.

Ron Greenwald: 27:40

I just I think it's fascinating because I I think it's important for to do the right thing and you are advocating on so many behalf of so many people.

Ivette Kuyateh: 27:50

Yeah, it wasn't. You know, I grew up in a very Catholic basic culture, I'll say cultural Catholic upbringing, and it was very religious, but I never really had a relationship with God, with God in it. And you know, I mentioned to you my parents died, my mom died when I was 11. When that happens you kind of lose faith in everything. Right, that trauma that. So I actually walked away from anything wanting anything to do with any God for years and I spent my teenagers in the large part of my early 20s not wanting in it because I was so angry. There was a lot there. I eventually found that relationship and, trust me, I looked in different places. I've looked at Buddhism, I looked at Muslim faith. I looked at different places and once I found Christianity that was mine and it felt like that was the missing puzzle piece and, for me, really embracing the concept of forgiveness as a whole, the concept of, you know, just being liberated from that trauma. My mom was murdered by the way of domestic violence.

Ron Greenwald: 29:21

Oh my gosh.

Ivette Kuyateh: 29:22

So working through that is that was the only way, ron. That literally was the only way for me. That's what allows me to do what I do. That's what allowed me to do you know, law school and go on and do all these things. People tell me you know, nobody would blame you for like being an addict. You know crackhead strong out on the side of the street but you know that. You know that footprints in the sand, that was my whole life and once I realized, wow, god was carrying me all those years when I, even when I turned my back on him, when I wanted nothing to do with him, it wasn't anything really I did Because look where he got me, look where he has me. I I could not definitively say it was me. Come on like you. Don't get to where I am without a greater God carrying you through.

Ron Greenwald: 30:23

You have siblings.

Ivette Kuyateh: 30:24

I do.

Ron Greenwald: 30:26

Were they able to move on like you have, in terms of being just elevating yourself to a higher level?

Ivette Kuyateh: 30:34

I want to say yes, but the reality is they didn't. We grew up 20 years apart. When this happened. They were living in Mexico. We didn't have the same impact. Their impact was a little bit different.

Ron Greenwald: 30:53

This all comes back to planning, it's true. Obviously that's devastating. It's hard to hear Again for people that can see the light at the end of the tunnel, that you were much of a victim, as your mom was. Now it all makes sense as to and I have to when you're prosecuting some just rotten individual, are you able to forgive that person? You have seen some incredible stories.

Ivette Kuyateh: 31:36

Yes, I have. I never really thought about the forgiveness of that person because that wasn't something I could forgive.

Ron Greenwald: 31:48

It wasn't done to me, not to you.

Ivette Kuyateh: 31:53

But definitely, having the experience as a victim, I could understand the victims I was representing in an entirely different way and understand the choices they made or didn't make because of what I had and my family had gone through.

Ron Greenwald: 32:12

Well, as I said, who's ever listening? If you're listening to this and you are a past victim of whatever abuse, whether it's a parent, a husband, a spouse, I just encourage to reach out to you as a voice. I'm sure you would take their call and talk to them. Absolutely it sounds like in terms of advocacy. And then obviously, the plan, the estate plan, life plan I'll call it life Marguerite Lorenz, who was a professional fiduciary. She empowered life, empowerment planning, and she coined that when she was on the podcast. That's how I they may not have that huge estate but they need a life plan and when you have a life plan you can take that first step forward. And I am just really blown away by your background, by your advocacy, by where you have so many people fall into that dark hole and never recover and that you have been able to find Christianity and that you've been able to then take that and really improve people's lives. So I mean, that's just the kudos to you and your firm. Tell us a little bit more about the firm and where you're going. Where are you going with the firm?

Ivette Kuyateh: 33:41

Yeah, well, I will say we back up just a minute to that because, you know, san Diego Lawyer Magazine asked me this question. It's like how do you, how do you want people when they see you, what do you want them to know? And I always say the same thing. I want people to know that it wasn't me right, because my life is literally a walking, living testimony of miracles after miracles, after miracles. We only have a short amount of time today, right, but they, when people meet me, I want them to know Jesus, I want them to know that there is no other way that this woman could be where she's at, but for because of the miracles that God's done in her life. There's no way. So I don't take credit, you know.

Ron Greenwald: 34:37

I think it's a two-way street. I think there's some, there's someone. You have to take the lead. You have to follow, well, not follow. You have to take the lead and say I'm going to be this person.

Ivette Kuyateh: 34:51

Yeah, you got to be willing for sure, you got to be willing, yeah, definitely.

Ron Greenwald: 34:55

And so you know, as they say it's, it's aikudos. So, yes, I understand what you're saying, but you have to be something within you Now, whether it's Jesus, christianity, but there's something also within you, some kind of power to say I can overcome and help others, and that you are going to do that?

Ivette Kuyateh: 35:16

Yeah, but who puts it in there?

Ron Greenwald: 35:17

Who puts it in there?

Ivette Kuyateh: 35:18

Yeah, so we can just go back to the other side.

Ron Greenwald: 35:21

Yeah, I know, I know, I know it's a debate for the ages, yeah, yeah, but but I think it's a fabulous story.

Ivette Kuyateh: 35:28

Thank you, good for you. So, yeah, te La Group, where, where is it going? Right, we're going into gosh, our fifth year, sixth year, yeah, and you know they say what does I say? Like businesses fail within well, two, three to five. You know you add in pandemic, I don't know. We're still around and we're growing and we're doing and exciting stuff. And so I'm going to always be a victim advocate because of where I come from and what I do, and that's my passion. I'm going to always be doing life planning and estate planning because that is also a passion of making sure that other families generationally don't don't end up where minded, you know, where dad leaves a huge estate and the siblings are a mess and the family is a mess because stuff wasn't tightened up. Or the long term care planning. Where I'm going next. I'm currently studying for my own health, life and securities licenses to also bring in that financial services piece to my clients individually, not only as their lawyer, but also as an advisor, because I want I just see time and time again they number one. There's this we'll say distrust sometimes with the Latino community of financial advisors, of people that talk to them about money, and I'm already there, I'm already having those conversations and they go well, can you do it? I have another license, so I'm working at that and I want to bring on other lawyers that are doing that, are passionate about that as well, that are doing the work, that understand. You know what happens when there's no plan in place, because we could put an estate plan together that's beautiful on paper and the pages are nice and I give you this really beautiful binder. But if your retirements are, accounts are a mess, if you don't have long term care insurance prepared, if your mortgage isn't going to be paid off, if your kids aren't going to be able to go to school, if something happens to you, you know I've failed. I've failed you as your advisor, as a lawyer, and then I want to be able to help my clients in that aspect as well. So we're growing in that and I want other lawyers to get in on that because it is such a need.

Ron Greenwald: 38:12

And is that just the Hispanic community, but just in general In general with the aging population, and so many people are not taking the lead in getting their planning done. It's the staggering numbers of a whole dozen.

Ivette Kuyateh: 38:27

Yeah, I mean the baby boomers. Right now they're retiring. The transfer of money that's about to, that's happening already, and then by 2030, that's gonna happen to women in this country specifically is in the millions, millions you know. So are we prepared for that Right do we have? So we're living longer. Our parents are living longer. We're living longer. There's a great problem until you're out living your money, until we don't have social security to rely on, until Medicaid sorry, until long-term care wipes out my entire life savings. You know I have clients all the time that tell me no, I'm good. And I ask them what happens if you get dementia, if you get Alzheimer's? What's gonna happen? Do you understand that it's over $10,000 a month for a nursing home that your daughter doesn't have an extra 150K to just pay for? Do you know how quickly that's gonna eat up your retirement account? Do you know how quickly that's gonna eat up the equity in your mortgage? So what good is this beautiful binder gonna do if I know that I'm leaving you? I'm sending you off with a bunch of bullet holes in it.

Ron Greenwald: 39:41

Well said, how do we get ahold of you? Let's get some. How do we get ahold of?

Ivette Kuyateh: 39:47

you.

Ron Greenwald: 39:48

What's the best way?

Ivette Kuyateh: 39:49

Best way is the firm phone number, so that's 619-535-0066, or you can email me directly.

Ron Greenwald: 39:59

And you email.

Ivette Kuyateh: 40:00

Yvette I-V-E-T-T-E at kuyatelagroupcom.

Ron Greenwald: 40:06

You can also follow me at Spell your last name for the listening audience K-U-Y-A-T-E-H.

Ivette Kuyateh: 40:13

Beautiful, thank you, and then you can follow me on social media.

Ron Greenwald: 40:17

Yeah, yeah, you're very active, You're very active, you're very active, You're very active.

Ivette Kuyateh: 40:20

I have videos up and I try to just do a lot of education on all the things I'm passionate about.

Ron Greenwald: 40:28

Well, I think there's certainly. I think I'm gonna try to help you get out and speak more. That's kind of now, having talked to you and met you in person and having gone through having done this podcast. There's so much more opportunity than we can. Well, you'll be too busy, but it's really important that your message is out there, one for what you overcame, that you went through and how you overcame that. That should be your. Where's the autobiography? When is that coming out? With the Money Book? You put those two together. You'll be on tour pretty soon in the New York Times bestselling list because I think it's a very powerful story that you are passionate in helping that sandwich generation. We know how it's built. That's just exploding in need. So thank you so so much for, with toe issues and everything Coming up here today and being on the podcast, it's really that very honored to be here. I greatly admire your service to humanity. I greatly admire your service to yourself as the number one and to your family, and thank you so much for being here.

Ivette Kuyateh: 41:51

Thank you so much, Ron. I appreciate your invite and taking the time to hear my message. And we're gonna give you a copy with the book, and that's another thing is, if your listeners wanna get hooked up with a book, they can call the office or they can shoot me an email and I'll find a way to get them a free copy of the book.

Ron Greenwald: 42:15

Perfect great way to end the podcast. Thank you, Yvette.

Ivette Kuyateh: 42:18

Thank you, Ron.

Ron Greenwald: 42:19

Have a great day.

Ivette Kuyateh: 42:20

You too, bye, bye.