They Call it the talk of a Lifetime ? Have you had it yet ?

It is so important to share your thoughts with those you love, someone you love or those who will be left behind to settle the affairs of your estate after you die.

While you are alive and well, thinking clearly, it is always a good idea to due what I call a personal tune up of your business and legal affairs. Have the family dynamics changed ? Has someone we love passed away or suffered health set backs, that would affect our final affairs.

Only 35% of Americans have a will, and some of them that do have them have not examined them after the passing of time, after some of our siblings have died etc. After the death of our spouse we seldom think or remember to change the beneficiary of our Life insurance.

If nothing else begin to do a couple of things for yourself and your loved ones, if you do not have a safe or strongbox (should be fireproof, important factor I realized after my home burned down), thank God that there were no critical documents lost but there were some I should have kept in my safe that I would always liked to have the original for.

Get yourself a small safe or a fireproof box, not really expensive, and begin to fill it with some documents that will be critical in the event of your sudden or unplanned death. I have never read the statistic on how many deaths occur suddenly and unexpectedly or those that have some warning within days or weeks.

What do we put in this box ? I recommend A list of all credit or debit cards with the numbers for each, copy of your banks statements, checking savings and or any other accounts being held or managed by your bank. Your Life Insurance policies, and your homeowners and any other policies involving payments of any kinds if you should become disabled or die. Retirement and Pension information, Veterans information with a copy of your discharge and I would keep a signed copy of my automobile title in there also, in that way your auto could be sold or transferred with your directive, not having to wait for probate, otherwise it would have to go through the probate process. Also I would leave a letter of directive from you to those you love and leave behind, with the information about your wishes and final desires for distribution of your assets and other concerns. I do know many people have said that they have left a letter in their computer, if that is you, then print that out and put a copy in your box or safe. And finally put a copy of your medical directives a/k/a The Five Wishes Book, I mentioned earlier, just call or write my office for a book if you would like one without charge or obligation.

And if you are intimidated with all of this, cal or write our offices for a preplanning book.  Please do something now.