🩺 Medical Power of Attorney, Living Will, or Healthcare Proxy? Here’s the simple difference: Medical Power of Attorney = Names who can make medical decisions for you. Living Will = Explains what medical care you want or do not want. Healthcare Proxy = The person who speaks for you about your healthcare. In some states, this is basically the same role as a Medical Power of Attorney. ✅ 10-Minute Legacy Action: Choose who you trust to speak for you and write down your medical wishes. WHO will speak for you? WHAT do you want them to know? Find the leak. Fix the plan. Build the legacy.

💰 A Financial Power of Attorney is a legal document that says: “This is the person I trust to help with my money if I cannot.” They may help: - Pay bills - Handle bank accounts - Manage taxes or insurance - Sign financial papers When does it start? Some start right away. Others start only if you become unable to manage your finances. When does it end? Usually when you cancel it, the document says it ends, or when you die. After death, your executor or personal representative takes over. ✅ 10-Minute Legacy Action: Ask yourself: Who would I trust to handle my money if I couldn’t? Financial Power of Attorney = while you are alive. Will = after you die. Find the leak. Fix the plan. Build the legacy.

A Medical Power of Attorney names the person who can make healthcare decisions for you if you cannot speak for yourself. A Healthcare Directive explains the medical care you do or do not want. Easy way to remember: Medical Power of Attorney = WHO speaks for you. Healthcare Directive = WHAT you want. Without these documents, your family may be left guessing or disagreeing about your care. ✅ 10-Minute Legacy Action: Choose your first and backup healthcare decision-maker, then write down your medical wishes. Find the leak. Fix the plan. Build the legacy.

Who Handles Your Money If You Can’t? A Financial Power of Attorney lets someone you trust handle your finances if you are unable to. They may be able to: - Pay bills - Manage bank accounts - Handle insurance and taxes - Manage property or business finances - Sign financial documents Choose someone who is trustworthy, organized, financially responsible, and willing to serve. Also name a backup person. ⚠️ If you don’t name anyone: Your family may have to go to court to get authority to manage your finances. That can mean delays, legal fees, and a judge deciding who is put in charge. 10-Minute Legacy Action: Ask yourself: Who would I trust to handle my money if I couldn’t do it myself? Write down your first choice and your backup. Find the leak. Fix the plan. Build the legacy.

📄 Estate Planning Tip: Your Beneficiary Form Matters A beneficiary designation can override what your will says. That means if your life insurance or retirement account still lists an old beneficiary, that person may receive the money even if your will says otherwise. Action Step: Review your beneficiaries on: • Life insurance • Retirement accounts • Bank and investment accounts Make sure the names listed match what you want today. Find the Leak. Fix the Plan. Build the Legacy.