If you’ve ever had to deal with outdated legal documents, you know it’s about as fun as trying to untangle last year’s Christmas lights. One minute, everything seems fine, and the next, you’re knee-deep in paperwork, realizing that the beneficiary on an individual’s life insurance policy is still their ex from 15 years ago. Oops. True story.

Estate planning isn’t just for the wealthy or the elderly; it’s for everyone who doesn’t want to leave their family with a mess when they’re gone or incapable of making decisions. And here’s the kicker: It’s not a one-and-done deal. Life changes, and when it does, your legal documents need to keep up.

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The Big 3: Will, Beneficiary Designations and Powers of Attorney

Let’s start with the essentials. These are the must-haves for anyone who wants to protect their loved ones and ensure their wishes are followed:

• A will: This lays out who gets what when you’re gone and who’s in charge of making sure it happens. If you don’t have a will, state law decides, and trust me — you don’t want to leave this up to the government and a set of rules that may not align with your wishes.
• Beneficiary designations: These apply to life insurance, retirement accounts and other financial assets. If your will says one thing but your beneficiary form says another, the beneficiary form wins. This is a great example of when keeping things updated is crucial.
• Power of attorney (POA): This gives someone the authority to make financial and legal decisions on your behalf if you can’t. A separate health-care POA covers medical decisions. Essentially, POAs allow you to build a decision-making succession plan.

Life Changes Require Document Updates

I learned firsthand how important it is to keep these documents updated when my mom was diagnosed with Alzheimer’s disease. We had to adjust her POA so I could handle her finances when she no longer could. If we hadn’t done that early, it would have been a legal nightmare later on.

Life is full of changes, and every big event should trigger a review of your estate plan, including:

• Marriage or divorce: If you’ve tied or untied the knot, update your will and beneficiaries immediately. Your ex doesn’t need a payday at your family’s expense.
• New kids or grandkids: If new members join the family, update your will to ensure they’re accounted for. This is also the time to set up guardianship plans.
• Death of a loved one: If a named beneficiary or executor dies, update your documents accordingly.
• Major financial changes: Buying a house, selling assets or coming into money (inheritance, bonus, lottery win — hey, it could happen!) means your plan needs adjusting.
• Health issues: Like in my mom’s case, a serious diagnosis should prompt a review of your POA and health-care directives.

Resources for Military Families

One of the great advantages of military service is access to free or low-cost legal assistance. If you’re on active duty, a retiree or a dependent, you can get help with wills, POAs and other estate documents through your base’s legal office. Don’t let that resource go to waste.

Other resources include:

• JAG legal assistance: Judge advocates from the military services’ Judge Advocate General Corps provide free legal counseling for wills, POAs and estate planning.
• U.S. Department of Veterans Affairs: The VA offers survivor benefits, burial benefits and estate planning assistance.
• Military financial institutions/organizations: Many provide estate planning guidance and checklists tailored to military families.

Estate planning isn’t just about protecting your assets — it’s about protecting your family from unnecessary stress and confusion. Make a will, keep your beneficiary designations current and ensure your Power of Attorney is in place. Then, as life changes, update everything accordingly.

Your future self (and your loved ones) will thank you — probably not in a grand, dramatic way, but definitely in a “we’re so relieved we don’t have to deal with a legal mess” kind of way. And that’s worth everything.

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