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hello welcome to financial insider weekly I am your host Michael gray CPA my guest today is Michael Demery Michael Demery is a California attorney who principally works on lawsuits involving estates and trusts and so I like to say about Michael heamp;#39;s the first one they look for the last one they want to see so anyway heamp;#39;s very well known in our community he speaks for our estate planning councils and our Bar Association we have a big annual powwow where we talk about the annual developments and so Michael is one of the principal speakers related to that anyway so today Mike and I are going to be talking about your rights as a beneficiary this is something that heamp;#39;s very intimately involved with you know talk about it in his sleep so anyway Iamp;#39;m just looking forward to a stimulating conversation with him about this but some of you may be watching this from other states maybe even other countries or knows so I just have to let you know that the laws can vary