9 minute read
Prepare
PREPARE DON’T PROCRASTINATE
When you think of estate planning, you probably immediately go straight to getting a will drawn up. While that’s certainly an important part of the process, it’s only one piece of the puzzle. Listed below are some estate planning basics, so that you can create a checklist which will help you prepare for the future.
Create an Inventory
Do an inventory of everything you own. This inventory can be divided into two major categories: Tangible assets and Intangible assets.
Establish Your Legal Directives
This is a very important part of your estate planning checklist. You’ll need paperwork in place to “direct” your survivors on how your estate should be handled. These are called legal directives and they include:
• Will – Your estate planning should include will planning and drafting.
• Trust – This gives someone else the right to administer your account in the event of your death.
• Medical care directive a/k/a
Living Will – this documents your wishes if you ever are in a position where someone needs to make a decision about your care, such as if you’re on life support. • Power of attorney – If you should become unable to manage your finances, this appoints someone you trust to take over.
Review Your Beneficiaries
An important part of any estate planning services should be to take a close look at who is inheriting your funds after you die. This includes life insurance policies and retirement accounts. Over the years, it can be easy to lose track of an old account that might have a parent or exspouse listed as your beneficiary.
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“I was born and raised in inner city Chicago, the sixth of eighteen children with fifteen brothers. Being the oldest daughter, I was always a caregiver which I believe influenced me to pursue work in the healthcare industry. Today, I have three daughters and five grandchildren. Years ago, I volunteered for hospice and knew immediately that helping seniors was my calling. I was soon employed by hospice but I felt something was missing. I realized it was the limited time I was able to spend with my clients. Having my own business allows me to provide the intimate hands on service needed in our community. I am committed to our seniors throughout their lives and I thank the community for the opportunity to serve.”
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IMPACT
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Are you thinking of ways you can impact your family or community as your time is winding down? Use these ideas to brainstorm ways to leave your fingerprint on future generations.
1.Write a book. 2.Leave money for your descendants that serves as a foundation on which they can build their financial futures. 3.Bequeath money to charities that are near and dear to your heart. 4.Write down family recipes and family traditions. 5.Serve as a good role model. 6.Pass down a heirloom. 7.Be a mentor. 8.Volunteer. 9.Write your memoir. You can also record video messages for your loved ones, create a scrapbook for them, or create a web site dedicated to your legacy. 10.Endow a scholarship to your alma mater for future students. 11.Write a legacy letter — write down everything you’d want to tell your loved ones if you knew you didn’t have long to live. Be sure to capture the essence of who you are by writing about your life lessons, values, accomplishments and hopes. Think of it as an emotional heirloom. 12.Pass down handmade items, such as quilts, cedar hope chests, or wooden crafts. 13.Start a new program in your community, such as starting a recycling program; planting a community garden; or constructing a playground. 14.Pass down skills and know-how. 15.Right a wrong.
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