What if you or your significant other were to experience a sudden health emergency—do you have a plan in place to ensure your medical wishes are carried out? Healthcare directives, such as living wills and medical powers of attorney, are legal documents that clarify your preferences for care in the event you become incapacitated. LIVING WILL By outlining your preferences in a living will, you can help guide your healthcare providers and loved ones in making decisions about your care. This can include decisions about life-sustaining treatments, such as resuscitation, mechanical ventilation, and artificial nutrition and hydration. MEDICAL POWER OF ATTORNEY In addition to a living will, it is also important to have a medical power of attorney, also known as a healthcare proxy or healthcare agent. This document allows you to appoint someone to make medical decisions on your behalf if you are unable to do so. Your healthcare agent should be someone you trust to make decisions that align with your values and preferences. PLAN, REVIEW & SHARE It is important to consult with professionals to create healthcare directives if you do not already have them in place. You’ll also want to review and update your healthcare directives regularly to ensure that they reflect your current wishes and preferences. You may also want IN CASE OF EMERGENCY Outline Healthcare Directives Today for a Smoother Tomorrow ROSS BRUNSON, CONTRIBUTING WRITER
over three times the $16,000 he would have been taking in after-tax annual income from his IRAs.
George’s financial portfolio was now providing so much more than he needed that he was able to create a family Legacy Bank, which his children and grandchildren could access for endeavors like school, weddings, and business ventures. In addition to it all, he now had an income-tax-free way to transfer his wealth to his children through his IUL LASER Fund’s death benefit. YOUR SAFER ROUTE It’s April, when many Americans are feeling the sting of unnecessary taxes. Whether you do it proactively by putting your after-tax dollars into an IUL LASER Fund, or
retroactively with a strategic rollout, you deserve to avoid the tax-trap up ahead and take a safer, more predictable route to a brighter financial future.
–Doug Andrew
FUN FOOD IDEAS With a little night-before prep, serve this Andrew family favorite at your family’s next brunch. BREAKFAST CASSEROLE
to discuss them with your healthcare providers and loved ones to make everyone aware of (and comfortable with) your wishes.
INGREDIENTS
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1 lb country style sausage
1/4 soup can of water
1 tsp salt
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4 eggs
3/4 tsp dry mustard
2 1/4 cups milk
8 slices of bread, crust on
Having healthcare directives in place can provide peace of mind for both you and your loved ones.
1 can cream of mushroom soup
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1 cup grated cheese
DIRECTIONS
Without these documents, decisions about your medical care may be left to healthcare providers or family members who may not be aware of your preferences. This can lead to confusion, conflict, and potentially unnecessary treatments. By having clear and specific directives in place, you can help ensure that your wishes are followed and that you receive the care that is right for you.
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Cook the sausage, drain, and set aside. 2. Beat the eggs and stir in the milk, soup, water, salt, and mustard. 3. Layer the bread in the bottom of a 9”x13” pan. Pour egg mixture over bread, then spread the sausage and add a layer of cheese on top. 4. Refrigerate overnight. Bake the next morning at 350° for about 90 minutes.
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