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TURN YOUR DREAM CRUISE INTO REALITY BON VOYAGE! YOUR TICKET TO ADVENTURE As we grow older, life shifts and creates new opportunities we may not have had before — like the chance to finally turn our travel dreams into reality. For many, few travel experiences compare to the comfort and excitement of a luxury cruise, and these four tips can help make your dream cruise happen. Choose the right cruise line. With luxury cruises, it’s essential to compare lines to get your preferred experience and the most bang for your buck. Consider your personal preferences, but remain flexible with accommodations. A little research will help you find the perfect fit. Plan your perfect itinerary. There are many cruise options, so planning an itinerary aligned with your interests and comfort level is easy. River cruises, for example, are perfect for scenic travel, while ocean cruises provide access to exotic ports of call. River cruises are also quieter and more intimate. If you prefer a lively atmosphere with plenty of activities, an ocean cruise is the better option. Book smart for the best deals. Just because a cruise offers luxury accommodations doesn’t mean your trip has to break the bank. Take advantage of early- bird deals, off-peak pricing, and loyalty programs to save big. Some companies even include airfare! You can also save with discounts for seniors and military members. Your adventure awaits! A cruise offers the ultimate way to see the world, from exploring iconic cities to relaxing on scenic rivers or enjoying stunning ocean views. Now is the perfect time to embrace new adventures on a luxury cruise.
DON’T WAIT FOR THE UNIMAGINABLE Plan Ahead With These 4 Estate Planning Essentials We like to think that everyone tries to plan, but it’s not as common as you might think. The next time you gather with your friends and family, ask them if they have an estate plan. You’ll be surprised by how many people either haven’t thought about estate planning or have ignored it because they don’t want to think about their mortality. But estate planning allows you to lay out your wishes while granting us protection for your assets and yourself if the unimaginable happens. We’ve seen many instances where people don’t have an estate plan, causing discord among children and requiring them to go to probate court. Probate can be an incredibly stressful and frustrating experience, especially when you realize it could have been avoided with proper estate planning. Here are four estate planning elements you need to establish right now if you don’t already have them in place. Will When most people think of estate planning, a will is the first thing that comes to mind. It allows you to determine who will oversee your estate, who will receive which assets, and who will become the guardian for your minor children. A will won’t help prevent probate, but it’s the best place to start when creating an estate plan. Healthcare Power of Attorney Too many people think that estate planning only applies to their deaths, but it also allows you to plan for potential incapacitation. With a healthcare power of attorney, you can determine who will make medical decisions on your behalf, including resuscitation, treatment, and care facilities. Financial Power of Attorney Similar to the healthcare power of attorney, this element allows you to determine who will make financial decisions on your behalf if you become incapacitated. This includes managing bank accounts, paying bills, and handling investments. Trusts Trusts are one of the best tools to avoid probate. They allow you to transfer your assets into them, leaving detailed plans for how and when to distribute them. You’ll need to name a trustee to oversee that process.
If you have any questions about these elements or need assistance creating or updating your estate plan, please call us today!
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