On this powerful episode of Talk Law Radio, host Todd Marquardt brings together two trusted experts—Steve Warren, President of Financial Planning HQ, and George Henry Torres, II, owner of River City Home Care—to explore how faith, financial planning, and compassionate caregiving intersect to build stronger families and lasting legacies.

💡 Segment 1: “Ask Your Advisor: Is That Best for Me or Your Wallet?”
Steve Warren explains what it truly means for a financial advisor to act as a fiduciary—putting the client’s best interest above all else. He reveals how independence allows his firm to deliver unbiased, conflict-free advice, helping clients align their financial strategies with their life goals.

💰 Segment 2: Home Care, Faith & Planning for the Future
Todd and guest George Henry Torres, II discuss the faith-driven mission behind home care and how families can prepare for the future before crisis hits. They clarify the differences between home care, home health, and hospice—and explain why proactive planning (and long-term care insurance) makes all the difference.

⚖️ Segment 3: Sinners & Saints – The Risks of Private Caregivers
In this thought-provoking discussion, George and Todd uncover the hidden legal and emotional risks of hiring unlicensed caregivers. From potential elder abuse to identity theft and liability issues, they highlight why using a licensed, regulated agency is critical for family protection—and peace of mind.

🙏 Segment 4: Faith, Legacy & The Sandwich Generation
The episode closes with an inspiring reflection on legacy, faith, and the “sandwich generation” caring for both parents and children. George shares his vision for educating families through his new segment, The Sandwich Menu, and emphasizes the eternal impact of service, integrity, and preparation.

📖 Key Takeaways:
Fiduciary vs. commission-based advisors—know the difference.
Plan early for home care and long-term care insurance.
Avoid the legal blind spots of hiring unregulated caregivers.
Build a legacy of faith, compassion, and smart planning.

🎧 Listen on: KLUP 930 AM THE ANSWER (San Antonio), KSLR 630 AM THE WORD, and KNTH 1070 AM / 103.3 FM (Houston)
📺 Watch on YouTube:Talk Law Radio
📞 Contact the Guests:
Financial Planning HQ – financialplanninghq.net | 210-685-2722
River City Home Care – rivercityhomecare.com

The mission of Talk Law Radio is to help you discover your legal issue blind spots by listening to me talk about the law on the radio. The state bar of Texas is the state agency that governs attorney law licenses. The State Bar wants attorneys to inform the public about the law but does not want us to attempt to solve your individual legal problems upon the basis of general information. Instead, contact an attorney like Todd A. Marquardt at Marquardt Law Firm, P.C. to discuss your specific facts and circumstances of your unique situation.

Leave a legacy that makes a positive impact on people's lives

Chat online at MarquardtLawFirm.com to schedule an appointment to help you create a legally enforceable last will, living trust, or tax protected inheritance plan.

Tell a friend what this show is about discovering hidden legal issue blind spots like in business and estates and elder law. Today's hidden legal issue blind spot is "Citizenship." Subscribe to the Talk Law Radio YouTube channel to watch the show in four separate segments.

Like & Subscribe! https://www.youtube.com/@talklawradio3421

Listen here! www.TalkLawRadio.com

On this powerful episode of Talk Law Radio, host Todd Marquardt brings together two trusted experts&mdash;Steve Warren, President of Financial Planning HQ, and George Henry Torres, II, owner of River City Home Care&mdash;to explore how faith, financial planning, and compassionate caregiving intersect to build stronger families and lasting legacies.
💡 Segment 1: &ldquo;Ask Your Advisor: Is That Best for Me or Your Wallet?&rdquo; Steve Warren explains what it truly means for a financial advisor to act as a fiduciary&mdash;putting the client&rsquo;s best interest above all else. He reveals how independence allows his firm to deliver unbiased, conflict-free advice, helping clients align their financial strategies with their life goals.
💰 Segment 2: Home Care, Faith &amp; Planning for the Future Todd and guest George Henry Torres, II discuss the faith-driven mission behind home care and how families can prepare for the future before crisis hits. They clarify the differences between home care, home health, and hospice&mdash;and explain why proactive planning (and long-term care insurance) makes all the difference.
⚖️ Segment 3: Sinners &amp; Saints &ndash; The Risks of Private Caregivers In this thought-provoking discussion, George and Todd uncover the hidden legal and emotional risks of hiring unlicensed caregivers. From potential elder abuse to identity theft and liability issues, they highlight why using a licensed, regulated agency is critical for family protection&mdash;and peace of mind.
🙏 Segment 4: Faith, Legacy &amp; The Sandwich Generation The episode closes with an inspiring reflection on legacy, faith, and the &ldquo;sandwich generation&rdquo; caring for both parents and children. George shares his vision for educating families through his new segment, The Sandwich Menu, and emphasizes the eternal impact of service, integrity, and preparation.
📖 Key Takeaways:
<ul>
<li>Fiduciary vs. commission-based advisors&mdash;know the difference.</li>
<li>Plan early for home care and long-term care insurance.</li>
<li>Avoid the legal blind spots of hiring unregulated caregivers.</li>
<li>Build a legacy of faith, compassion, and smart planning.</li>
</ul>
🎧 Listen on: KLUP 930 AM THE ANSWER (San Antonio), KSLR 630 AM THE WORD, and KNTH 1070 AM / 103.3 FM (Houston) 📺 Watch on YouTube: Talk Law Radio 📞 Contact the Guests:
<ul>
<li>Financial Planning HQ &ndash; <a href="https://financialplanninghq.net?utm_source=chatgpt.com" data-auth="NotApplicable" data-linkindex="0">financialplanninghq.net</a> | 210-685-2722</li>
<li>River City Home Care &ndash; rivercityhomecare.com</li>
</ul>
The mission of Talk Law Radio is to help you discover your legal issue blind spots by listening to me talk about the law on the radio. The state bar of Texas is the state agency that governs attorney law licenses. The State Bar wants attorneys to inform the public about the law but does not want us to attempt to solve your individual legal problems upon the basis of general information. Instead, contact an attorney like Todd A. Marquardt at Marquardt Law Firm, P.C. to discuss your specific facts and circumstances of your unique situation.
Leave a legacy that makes a positive impact on people's lives
Chat online at MarquardtLawFirm.com to schedule an appointment to help you create a legally enforceable last will, living trust, or tax protected inheritance plan.
Tell a friend what this show is about discovering hidden legal issue blind spots like in business and estates and elder law. Today's hidden legal issue blind spot is "Citizenship." Subscribe to the Talk Law Radio YouTube channel to watch the show in four separate segments.
Like &amp; Subscribe! https://www.youtube.com/@talklawradio3421
Listen here! <a href="https://www.TalkLawRadio.com">www.TalkLawRadio.com</a>

Talk Law Radio with Todd Marquardt will help with preventing hidden legal problems, understanding complicated regulations, and taking advantage of legal opportunities.

Talk Law Radio with Todd Marquardt will help with preventing hidden legal problems, understanding complicated regulations, and taking advantage of legal opportunities.

Talk Law Radio Podcast

Talk Law Radio with Todd Marquardt will help with preventing hidden legal problems, understanding complicated regulations, and taking advantage of legal opportunities.

To contact Todd at his law practice, please call 210-530-4278.