There’s a lot of discussion about who needs an estate plan and why they’re necessary, but when it comes down to it, the simple truth is that everyone can benefit from having an estate plan in place. It doesn’t matter if you aren’t a homeowner, don’t consider yourself wealthy, or live alone without any children; you can still protect your and your loved ones’ futures by establishing a plan. When establishing an estate plan, you want to focus on four critical documents: a will, a trust, and health care and financial powers of attorney. Each of these documents plays an incredibly important role in your future, and there’s likely more to them than you realize. Take wills, for example. Many people assume their will’s only purpose is to state who will receive what when it comes to their assets, but this document has another critical role for parents. It allows you to determine who will become your children’s guardian if something were to happen to you. Many Americans think trusts serve the same purpose as wills but are designed for people with more wealth. This is another misconception. Trusts simply provide more security and control over your assets. You can set specific conditions for releasing assets, and they’ll remain protected from creditors and lawsuits. Your powers of attorney truly protect you and your immediate family if you become incapacitated and require someone to make medical or financial decisions on your behalf. This needs to be someone you trust who will keep your best interests and wants in mind. While these documents provide plenty of protection, they also give you the greatest ability to distribute your assets and share your wishes as you see fit. You don’t have to worry about laws or courts determining who receives what; you make those decisions when you establish
It’s Not Just Paperwork The 4 Documents That Could Protect Your Future
your estate plan with these four critical documents. Call us if you have any questions or need to update or create one of these important documents.
CRISPY PROSCIUTTO AND CHEESE SLIDERS DIRECTIONS 1. Preheat oven to 400 F. 2. On a parchment-lined baking sheet, arrange prosciutto and bake for 8–10 minutes. 3. On a separate lined baking sheet, INGREDIENTS • 3 oz thinly sliced prosciutto • 1 package dinner rolls, halved lengthwise
TAKE A BREAK
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1/4 cup fig preserves 3/4 cup shredded fontina cheese 3/4 cup shredded Swiss cheese
place the bottom halves of the rolls and spread fig preserves over them. 4. Layer with fontina and Swiss cheese. Top with crispy prosciutto. 5. Place the top half of the rolls over the prosciutto and gently press down. 6. In a bowl, mix butter, Dijon, Worcestershire sauce, thyme, garlic, and black pepper. 7. Pour butter mixture over rolls. Cover with foil and bake 10 minutes. 8. Remove foil and bake an additional 10–15 minutes, and separate before serving.
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1/2 cup melted butter
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2 tbsp Dijon mustard 2 tbsp Worcestershire sauce
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1 tbsp chopped fresh thyme 2 chopped garlic cloves Black pepper, to taste
CARDINAL COOKIES FROSTY GINGERBREAD
GIFTS MENORAH MITTENS PEPPERMINT
PINECONES SAGITTARIUS SNOWBALL YULE 3 740-314-4829
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