Many people delay estate planning because they don’t feel “ready.” They’re unsure who they’d name as guardians, how much money they’ll have in the future, or whether their life circumstances will change.
But here’s the truth: You don’t need to have everything figured out to make meaningful progress.
Modern estate planning is built to support you as life changes — not after it’s settled.
What You Can Plan for Right Now:
1. Medical Decision-Making
Even if you’re healthy, you can:
- Choose someone to make medical decisions if you can’t (Advance Health Care Directive)
- Give loved ones access to your medical records if needed (HIPAA Authorization)
This is especially important for:
- Aging adults who want to avoid court involvement
- Young adults (18+) whose parents would otherwise be blocked from access
2. Financial Protection
Without a Durable Power of Attorney, no one can legally handle your finances if you’re temporarily or permanently incapacitated. That includes:
- Paying bills
- Accessing bank accounts
- Managing property
Creating this document doesn’t give up control — it just ensures someone you trust can step in when needed.
3. Protecting Children
Even if you’re not sure who the perfect guardian is, you can still make your wishes known. That puts you — not a judge — in control of who raises your children if something happens to you.
You can:
- Name a temporary guardian for emergencies
- Name a permanent guardian as a primary choice and a backup
This can always be updated later as your situation evolves.
4. Asset Distribution
Whether or not you have significant assets, you likely want a say in:
- Who inherits your home, accounts, or personal items
- Who doesn’t receive anything
- How minor children would receive money over time
Even a basic will or trust can prevent delays, disputes, and unnecessary legal costs.
Why Now?
Memorial Day reminds us that life can be unpredictable — and that the most meaningful things we leave behind aren’t always material.
Estate planning isn’t about being morbid. It’s about being prepared, kind, and protective of the people you love.
And best of all: it’s flexible.
You can revise your documents as your life, family, or finances change. The key is just to start — and build from there.
You don’t need to predict the future. You just need to care enough to plan for the people who matter. We’re here to help you take the first step.
