


Sales Representative

Small Business Owner

A living trust is a document that holds your assets and names someone to manage them for your benefit. It can help avoid probate and make it easier to manage your affairs if you become unable to act.
A trust can manage assets during your lifetime and usually avoids probate. A will takes effect after death and directs how your remaining assets are distributed and can name guardians for minor children.
A power of attorney lets you appoint someone to make financial or medical decisions if you can’t. Financial and health care POAs are separate; a durable POA remains effective if you become incapacitated.
Start by listing assets and beneficiaries, choose an executor or trustee and agents for POAs, and prepare key documents (will, trust if needed, POAs, and a health care directive). Review them after major life changes.
You can use online tools for simple plans, but many people consult an attorney for complex situations or to ensure documents meet state rules. A professional can help tailor the plan to your goals.
