Who Gets the Golden Retriever? What You Need to Know About Clients in Non-Traditional Relationships

We love everyone. We don’t want to cause controversy.

photo courtesy of Golden Retriever Club of America   https://www.grca.org/

Who Gets the Golden Retriever? What You Need to Know About Clients in Non-Traditional Relationships

by Linda Eaton

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What is the marital status of couples in your practice? Do they cohabitate? Are they legally married? To each other? Do you know?

As a Financial Advisor, you need to make certain you know the marital status of your clients who are couples. Straight or gay, unmarried couples must pay special attention to their financial affairs if they want their property to pass to their partner.

You, as their FA, must ensure they pay attention. Remember: people who think “it won’t happen to them” are the people “it happens to.”

Here is a classic issue: whoever is named as the primary beneficiary of your IRA inherits the assets in this account no matter what your last will and testament direct. Why? Because the beneficiary designation on your IRA overrides your will. After a breakup or divorce, many people forget to change the primary beneficiary of their IRA’s. Instead of your unmarried partner getting the assets, someone with whom you had unhappy differences decades ago could inherit the largest part of your wealth.

If you die without a will or a trust, then the law says you have died intestate. Your assets will pass to your blood relatives in order of their closeness to you. As with everything, there are exceptions. Remember that state law governs who gets what and each state can have slightly different laws.

One of the most important issues facing non-married couples is ensuring that the property they think of as “their” home is correctly titled in both names. If one partner is the sole owner, and that person dies, the home will not pass automatically to the surviving partner unless the proper documents have been signed. Terrible stories abound of people turned out of what they regarded as their homes for want of clear title or a will which specifically left the property to them.

Perhaps the most difficult issue for any couple is this one: who is authorized to take you off life support if you have suffered from an accident or illness which has left you without measurable brain function and no possibility of recovery? Hopefully, this will not be something your clients will have to confront. Yet, they should plan for it.

You can be of most help to your clients by suggesting they execute the following two documents:
1) a health care proxy (durable power of attorney) for health care decisions, also known as a health care surrogate appointment, or advanced health care directive, is a document that names someone you trust to make health care decisions on your behalf if you cannot.
2) a properly created living will tells your doctor and your hospital which treatment you want if you stop breathing or your heart stops. Among the stipulations can be a “do not resuscitate order.”

As an FA who is a holistic advisor to your clients, you need to recommend they consider making these documents a part of their life planning. Unfortunately, if your clients have not left a properly executed health care proxy or advanced healthcare directive (different states have different terminology) then the person they love the most can’t be involved in carrying out their expressed desires in this situation because the two partners are not legally married.

Finally, who gets your golden retriever? Not clear if you die intestate but if you include directions in your will as to who should get your loyal companion, then the executor of your estate will ensure that person gets your golden retriever.

Contributing Writer: Subject Matter Expert Charles McCain

To learn more about this topic, register for our Certified Wealth Strategist program of study.

Copyright ©2017 Cannon Financial Institute – All Rights Reserved

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COMMENT FROM CHARLES McCAIN: Cannon Financial Institute is the “gold standard” for wealth management training, development and consulting. I worked at the firm for many years and my colleagues were the most talented people I have ever worked with.  Last year the firm sought me out to write articles for them which I started doing in January of  2016. After a hiatus of nine years, I am pleased to report that my colleagues continue to be the most talented people I have ever worked with and it is a pleasure to be working with them again.  I take them directly from the Cannon website and the links work.  I will post the articles I write for them on my blog after they appear on Cannon’s website. https://www.cannonfinancial.com

Feature photo courtesy of Golden Retriever Rescue of North Texas http://www.goldenretrievers.org/

England During World War Two

A Royal Air Force Lockheed Hudson Mk VI (AE626) of the Middle East Communications Flight flying over the Egyptian pyramids, 1942. (Photo courtesy Imperial War Museum)

 

Two soldiers of the Royal Military Police with Anna, a four-year-old Austrian girl with whose family the men were billeted, in the Klagenfurt area of occupied Austria, May 1945. (Photo courtesy Imperial War Museum)

comments Charles McCain: since the Third Reich had given few people any choice about anything (Austria had been annexed by 3rd Reich) Anglo-American soldiers were billeted families whether they liked it or not and sometimes troops kicked the Germans out of their home. Payback is a bitch.

Men of the Airborne Division adjust their harnesses alongside an Armstrong Whitworth Whitley ‘PX-G’ of No. 295 Squadron RAF, October 1942. (photo courtesy of Imperial War Museum)

Men of the Royal Navy play cards on board the submarine HMS Tribune, 1942. (photo courtesy of Imperial War Museum)

Sergeant R Gregory photographs Driver A Hardman during a tour of the Acropolis in Athens, October 1944. (Photo courtesy of Imperial War Museum)

HMS Howe passes through the Suez Canal on her way to join the British Pacific Fleet, 14 July 1944. (Photo courtesy of Imperial War Museum)

A signaller operates an Aldis lamp on board a British warship, 1942. (Photo courtesy of Imperial War Museum)

WRNS officers are shown the sights of Quebec by a member of the Canadian Mounted Police Force after the first Quebec Conference, 23 August 1943. (Photo courtesy of Imperial War Museum)

Churchill tanks of A and B Squadrons, 43rd Battalion, Royal Tank Regiment, 33rd Brigade negotiate obstacles during training, October 1942. (Photo courtesy of Imperial War Museum)

Armourers of the Women’s Royal Naval Service (WRNS) re-arm a Hawker Hurricane aircraft at the Fleet Air Arm airfield at Yeovilton, Somerset, 2 September 1943. (Courtesy Imperial War Museum)

Members of the ATS operate the height and range finder at an anti-aircraft gun site, December 1942. (Photo courtesy of Imperial War Museum)

Nazi Ship Now USCG Eagle

US seized Kriegsmarine Sail Training Ship Horst Wessel As a Prize of War

 “The Coast Guard Cutter Eagle laying at a shipyard in Bremerhaven, Germany being rigged and outfitted for her voyage to the United States. The square-rigged sailing vessel was the former German Training ship ‘Horst Wessel’. The bombed buildings of Bremerhaven are in the background.” Photo dated 16 April 1946. (Official USCG photo)

USCGC Eagle under sail in 2015

derelict sail training ship which was to become USCGC Eagle in Bremerhaven immediately after World War Two.

Horst Wessel was a Nazi thug and a pimp who supposedly was killed in a street fight with Communists in Berlin prior to the Nazi seizure of power. He made his living as a pimp and there is evidence to suggest he was murdered by the brother of one of his prostitutes. The ship is has a steel hull and was outfitted as a barque which is a sailing ship with three masts in which the foremast and mainmast are square-rigged and the mizzenmast is rigged fore-and-aft.

Horst Wessel about to be launched. The original ship was built by the German shipbuilder Blohm and Voss, who also built the Bismarck. You have to give it to them: they certainly built strong ships.

Sailing barque Horst Wessel:

Laid down: 15 February 1936
Launched: 13 June 1936
Commissioned: 17 September 1936
Decommissioned: 1939
Recommissioned: 1942
Captured: April 1945

 Horst Wessel in front of German Naval Academy Mürwik in Flensburg in 1937.

The construction of the German naval academy began in 1910. The buildings weren’t badly damaged in World War Two and became the last headquarters of the Nazi government under Admiral Doenitz. Repairs were made in the years after the war and the academy reopened in the mid-1950s when West Germany was permitted to begin rearmament.

The Naval Academy Mürwik with the Gorch Fock (sister ship of the USCG Eagle) on the Flensburg Firth, the Northernmost part of Germany. 

“It’s the Invasion!….Ten Thousand Ships Headed Right at Me!”

the Germans on D-Day
D-DAY – ALLIED FORCES DURING THE INVASION OF NORMANDY 6 JUNE 1944 (A 23844) Landing ships and other invasion craft seen from HMS BEAGLE, 6 June 1944. Copyright: © IWM. Original Source: http://www.iwm.org.uk/collections/item/object/205155881

“Which way are the ships headed?” 

 “Right for me!”

Major Werner Pluskat, First German to Sight Allied Invasion Fleet, informs his higher echelon headquarters of the German 352nd Infantry Division.

At dawn on 6 June 1944, from this German bunker on a rise above Omaha Beach, Major Werner Pluskat was the first German officer to see the Allied invasion fleet which he described as headed  “straight at me.”  During the Normandy invasion, he served as the commander of the artillery battalion of the German 352nd Infantry Division, a scratch division built around a handful of surviving veterans from the 321 Infantry Division which had been torn to shreds during the Battle of Kursk in July and August of 1943 and the subsequent Soviet offensives.  *

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German actor Hans Christian Blech playing Major Werner Pluskat in the 1962 movie, the Longest Day, based on the book of the same name by Cornelius Ryan.

(Photo courtesy of Twentieth Century Fox)

“The Longest Day,” an account of D-Day written by American journalist and narrative historian Cornelius Ryan, Pluskat told him the following in a personal interview.

Dawn of 6 June 1944

 

From his bunker overlooking Omaha Beach, Major Pluskat rang through to the headquarters of the 352nd Infantry Division to which his artillery battalion was assigned:

“It’s the invasion! There must be ten thousand ships out here!”

Division HQ: “Which way are the ships headed?”

Pluskat: “Right for me!”

Division to Pluskat several minutes later: “What’s the situation?”

“We’re being shelled!”

“Exact location of shelling?”

“For God’s sake, they’re falling all over. What do you want me to do? Go out and measure the holes with a ruler?”

 Pluskat obviously survived the war, surrendering to the Allies on 23 April 1945.

Hans Christian Blech in The Longest Day

German actor Hans Christian Blech playing Major Werner Pluskat in the 1962 movie, the Longest Day.

In this movie still from 20th Century Fox, Major Pluskat is talking to his division command after intense shelling. Most German bunkers were well constructed and survived Allied naval gunfire. 

D-DAY – ALLIED FORCES DURING THE INVASION OF NORMANDY 6 JUNE 1944 (A 23934) The Normandy coast around Bernieres-sur-Mer, Juno assault area, with smoke rising from burning buildings during the Allied naval bombardment which preceded the landings, 6 June 1944. Copyright: © IWM. Original Source: http://www.iwm.org.uk/collections/item/object/205155953

 

Unfortunately, the naval guns of the era had a relatively flat trajectory. While battleships could, and did, hit German units 30 miles inland, targets as close as Pluskat’s bunker were harder to destroy because naval guns could not generate plunging fire like an army howitzer. So complete was Allied control of the sea, that many battleships assigned to the bombardment force were able to anchor in a long row in the English channel.

On Omaha, for instance, where very few tanks made it ashore, smaller ships such as destroyers and destroyer escorts closed the beach and directly engaged the German artillery firing from bunkers. There were occasions when the Germans were firing over the heads of the GIs on the beach at Allied destroyers who were firing back.

Naval captains took their ships in as close as they could, scraping bottom occasionally. But the invasion had to succeed. There wasn’t a “Plan B.”

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Like most accounts of historical events, there is controversy over Pluskat’s whereabouts at dawn on 6 June.  Speculation on a number of World War Two discussion boards suggests Pluskat wasn’t at his post at dawn on 6 June and fabricated his entire story which became part of the historical record and has been repeated a thousand times in various books until taken for truth.

Yet Pluskat did command the artillery battalion of the 352nd German Infantry Division. This division was dug in behind Pluskat’s artillery. The task of 352nd was to defend the stretch of beach known as “Omaha” to the Allies.

And Pluskat’s command bunker was on the heights above Omaha and remains there to this day as shown in the first photo of this post. His battalion did not retreat until they had fired all of their ammunition. So we know that he basics are true.

In an article about D-Day  in the German weekly news magazine, Der Spiegel, on 3 June 1964, their reporter writes:

“Major Werner Pluskat, commander of four coastal batteries the 352nd Division in the landing section “Omaha” was one of the first who saw the Armada. From his forward command post, he peered through the telescope, when morning dawned and the mist of the night lifted above the sea: The horizon was dotted with ships – ten thousand estimated the Major. The inferno broke out.”

 

THE ROYAL NAVY DURING THE SECOND WORLD WAR: OPERATION OVERLORD (THE NORMANDY LANDINGS), JUNE 1944 (A 23977) HMS RODNEY bombarding gun positions in the Caen area as seen from the cruiser HMS FROBISHER. In support of the Normandy landings British Naval guns have been constantly bombarding enemy positions, often many miles inland. Copyright: © IWM. Original Source: http://www.iwm.org.uk/collections/item/object/205187109

 

Cornelius Ryan, who wrote the book, The Longest Day, was a well-known journalist of the era and a careful researcher. Born in Ireland (he became an American citizen in 1957) he worked as a war correspondent for The Daily Telegraph of London.

Incredibly, he flew 14 bombing missions over Germany as part of his work as a journalist although not required to do so. He also witnessed the D-Day landings as a journalist. It would have been difficult to fool him.

Since Ryan interviewed so many participants in the battle, Allied and German, I find it hard to believe that Pluskat made up the story about himself he told Ryan. Further Pluskat only died in 2002 at age 90 so other German veterans of D-Day from the 352nd Infantry Division had decades to accuse Pluskat of lying. To my knowledge, such accusations were never made.

Ryan’s book is a well-written narrative history of the D-Day. It contains a number of small inaccuracies. However, these are mainly due to his lack of access to records about D-Day which were still classified at the time he wrote the book in 1957 and 1958. But his interview with Pluskat is accurate.

“The Longest Day” was published in 1959.

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Sadly, Cornelius Ryan died tragically early in his life at age 54 in 1974 of prostate cancer.

*a fascinating “look behind enemy lines” can be found in the correctly translate reported written for the Allies after the battle by one of the captured regimental commanders of the 352nd German Infantry Division. Historian Stewart Bryant tracked down the original document in German written by the officer. About twenty years ago, historians discovered that hundreds of these documents had been incorrectly translated.

Bryant has translated this German report into English himself and has added valuable commentary and explanations.

You can read his excellent work here:

http://www.omaha-beach.org/US-Version/352/352US.html

P51 Mustang Saves Bomber Offensive

P51 to the Rescue

Lieutenant Vernon R Richards of the 361st Fighter Group flying his P-51D Mustang nicknamed ‘Tika IV’, during a bomber escort mission in 1944. (photograph and caption courtesy of the Imperial War Museum)

D-Day was not the Second Front.
The Anglo-American Strategic Bombing Offensive against Germany was the second front
d-day was the Third Front.
The First Front was the massive battle on the Eastern front between the Germans and the Soviets. 

 

Graves of German soldiers somewhere in Russia. (Bundesarchiv)

Because the Soviets killed over 80% of German soldiers killed in World War Two, something Stalin frequently pointed out to Churchill and FDR, the most important strategic goal of the Allies (the US and the British Empire) was to keep the Soviets in the war. The P-51 ended up playing an important role in this.

We absolutely had to think of a way to relive the intense German military power being unleashed on the Soviets by the Germans (who had a kill rate of one German soldier to 27 Soviet soldiers). The British had begun a small bombing campaign against Nazi Germany and its allies before America was in the war because there was no other way for the Brits to attack Germany.

Pilots of No. 310 (Czechoslovak) Squadron RAF in front of Hawker Hurricane Mk I at Duxford, Cambridgeshire, 7 September 1940. (Photo and caption courtesy of the Imperial War Museum).

Germans Bomb London and Other Cities Throughout the UK

From the late summer of 1940 to the early summer of 1941, the German Luftwaffe bombed London and other major British cities and ports in a savage campaign which killed more than 40,000 people in the UK, half of them in London. More than one million homes were destroyed. So, the British felt little remorse at bombing the Germans.

RAF Bomber Command took unacceptable casualties in daylight bombing and began bombing only at night. The US Army Air Force and the Bomber Barons were convinced that daylight bombing was the best way in spite of the British experience.

Boeing B-17F 42-29513. 346th Bombardment Squadron, 99th Bombardment Group

In our arrogance, the US believed that properly staged formations of B-17 Flying Fortress’s would be self-defending and wouldn’t need fighter cover. This assumption was proven to be completely wrong by the horrifying losses suffered during 1943 and early 1944 by the USAAF 8th Air Force flying from Great Britain.

Unfortunately, no fighter had the range to accompany American bombers all the way to Berlin and points east and then fly all the way back to Great Britain. Someone thought of drop tanks which were easy to make. However, there needed to be a rugged and fast heavy fighter to take on the German fighters over Germany.

What About the P51?

P-51D Mustang at the National Museum of the United States Air Force. (U.S. Air Force photo)

American bombers finally accompanied by fighters for the entire flight

The P-51 had been a disappointment. It wasn’t fast enough. Someone thought of putting a Rolls Royce Merlin engine from a Spitfire on the airframe of a P-51. The rest is history. Fitted with drop tanks and the Merlin engine, the P-51 was able to provide fighter cover to American bombers all the way to Berlin and back. This allowed the bombing of Germany to continue and allowed American fighter to destroy the fighter arm of the German Air Force.

Every week, long before D-Day, General Dwight Eisenhower, Supreme Commander of the Allied Expeditionary Forces, sent Stalin a book of photographs of German cities Americans had bombed. Churchill did likewise. As the Anglo-American bombing offensive took hold, the Russians felt the effects. German aircraft were withdrawn from Russia and most importantly, the famed German 88 artillery piece, anti-tank gun, and anti-aircraft gun were withdrawn in large numbers from the Eastern front to defend German cities.

P-51D cockpit in the WWII Gallery at the National Museum of the United States Air Force. (U.S. Air Force photo)

Death of a Battleship

Lest We Forget

25 November 1941

HMS Barham, torpedoed and sunk with the loss of 55 officers and 806 ratings.

This vid clip is one minute and eleven seconds long. In these 71 seconds, the Royal Navy battleship, HMS Barham, rolled over on her beam ends, explodes, and then sinks. At the end of the vid clip, the ship is gone, disappeared beneath the sea.

In the time it takes to watch it, fifty-five officers and eight hundred six ratings died–men who were fighting against “a monstrous tyranny, never surpassed in the dark and lamentable catalogue of human crime,” as the Nazis were so aptly described in their evil by Prime Minister Winston Churchill on 13 May 1940 in his first speech to Parliament as Prime Minister.

Incredibly, the sinking and explosion was caught on film by a news reel cameraman from Gaumont News. The cameraman who caught the sinking and explosion, John Turner, was standing on the deck of the nearby Royal Navy battleship, HMS Valiant, which was on station close to Barham.

You can read accounts by the crew members who survived here:

http://www.hmsbarham.com/ship/accounts.php

HMS Barham in the Royal Navy fleet anchorage of Scapa Flow circa 1917. (US Navy photograph)

Fashion from Crimean War

As I was saying to Nikolai this afternoon, war often leads to fashion items which endure long after the war that spawned them is over.

cardigan: a knitted wool sweater with long sleeves opening down the front as worn by our spokesmodel, Nickolai.

Take the Cardigan sweater, a fashion item owned by many men and women. The garment itself is defined as a knitted wool sweater with long sleeves opening down the front.

The man who made this unlikely garment fashionable was none other than the 7th Earl of Cardigan. Is he famous for anything else? Yes, in October of 1854, he led the ill-fated Charge of the Light Brigade during the Crimean War. (1853 to 1856). The causes of the war are boring and complicated. Suffice it to say that the French and British went to the Crimea to fight the Russians and the Ottomans (Turks) over something.

 

Cardigan

Cardigan was an insecure, arrogant, self-righteous, narcissistic jerk who wore a wool sweater of his own design which opened down the front. Besides having an eye for fashion, he was brave since he personally led the Charge of the Light Brigade into Russian artillery fire. 

“Here goes the last of the Brudenell’s,” said Lord James Brudenell, 7th Earl of Cardigan…and then Major General Commanding the Light Brigade, a cavalry formation which included his personal regiment, the 11th Hussars, upon receiving the order to charge batteries of Russian artillery. This was part of the Battle of Balaclava which was part of the overall siege of Sevastopol, the key Russian naval base in the Crimea.

Spokesmodel Nickolai modeling a heavy wool balaclava.

Allow me to interrupt myself to call your attention to the Battle of Balaclava (the town itself served as a British supply point). It was so cold in the Crimean winter that women in England knitted wool garments which covered the faces and necks of the English soldiers. The men received these garments when they would go for supplies at the town of Balaclava, hence the name.

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The charge of the Light Brigade accomplished nothing and was the result of inaccurate and misleading orders. But it did generate a famous poem. While many are familiar with poem, they don’t know what event inspired the poet. Below is the first stanza.

The Charge Of The Light Brigade

by Alfred, Lord Tennyson.

Half a league half a league, 
Half a league onward, 
All in the valley of Death 
Rode the six hundred: 
‘Forward, the Light Brigade! 
Charge for the guns’ he said: 
Into the valley of Death 
Rode the six hundred. 

(A league is an imprecise unit of measurement which fell out of use in the late 19th Century.)

War and fashion unfortunately often go together. The trench coat is exactly that: a coat first made in England in World War One for officers to wear in the trenches of the Western front. And “bomber jackets” are also exactly that–jackets worn by the pilot and copilots of American bombers in World War Two.

(The cockpit and navigator’s area were heated. The rest of the plane was not and other crew members had to wear electrically heated suits. Curiously, they had to clean these with gasoline. The air gunners who fired from the large opening on each side of the aircraft also wore chain mail manufactured by Wilkinson sword to protect them from shrapnel. (Invented by the British Army officer, Captain Shrapnel).

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