Key Professionals Who Help Make Important Choices About Your Future

By Roz Jones

Your estate and everything in it is yours to make decisions about. You can decide to do whatever you want with your assets while you are alive and after your death as long as you are of sound mind in doing so. 

Wanting to protect your assets is normal and wanting to make sure you make good decisions is wise. You may not have the background or working knowledge about how to protect yourself legally, financially, and medically but there are experts who do. Their job is to offer you information and services that organize and carry out your wishes, making it possible for you to protect yourself as you grow older. 

Here are some key professionals who help make important choices about your future.

Financial Planners: As early as possible in your work life, it’s great to work with a financial planner who can help you best understand how income, taxes, investments, and savings all work together. A financial planner knows the current laws, what products produce the best results, and how to invest and save your money for whatever long-term plans you have. 

Insurance Agents: Like financial planners, insurance agents can help you save and protect your assets for the future. From insuring your car, home, and personal property to helping with life insurance and other forms of insurance that generate death benefits, or other income. An agent can help increase your income after you retire or in the event of a catastrophic life event. 

Primary Care Physicians: Outside of being the go-to for your healthcare, your primary care physician can help you create and carry out your advance directive and DNR notifications. Having someone to talk to with a wide-range of medical knowledge can help you sort through the options and make decisions that will protect you if/when there is a medical need. 

Probate Attorneys: There are attorneys who specialize in writing wills, trusts, and helping people make important decisions about their estate. These attorneys have streamlined ways to help you organize your information and legally protect your estate before and after your death. 

You don’t have to know all there is to know about medicine, money, and the law to protect yourself. You can access professionals who specialize in each of these areas and make informed decisions you can trust and count on when you need them most.

Protecting Yourself Legally, Financially, and Medically for the Future

By Roz Jones

Thinking about end-of-life matters generally brings to mind thoughts about funerals and final resting places. That’s certainly part of the equation but outside of sudden death, there’s probably going to be more to face before you die. Preparing for your end-of-life needs happens long before you are sick or have an accident. 

In the same way that you value having medical insurance and retirement plans, you should also value things like: 

A will or trust

Life insurance

An advance directive 

A designated medical decision-maker

Additional income sources outside of retirement

Successor guardians for dependents 

These are simply a few of the important safeguards that should be in place to protect you and your loved ones if something happens to you and you can’t care for them.

Protecting yourself legally, financially, and medically is an important step towards making sure things are in order and you benefit from your pre-planning. How? 

  • By avoiding burdening your family with making difficult decisions for you
  • By preventing your estate from going into probate
  • By securing care and comfort for an illness, accident, or hospice
  • By ensuring your children or dependents are protected and provided for if you die
  • By providing income to your family for their wellbeing
  • By making sure someone you trust manages your health care if you are injured or sick

This is not an exhaustive list of benefits that planning provides but it does give a healthy snapshot of how many things you can protect and provide by taking time to do some planning.  

You don’t have to make these decisions alone 

While these are personal and important decisions that you must ultimately make, you don’t have to make them alone. There are professionals whose job it is to help you make and solidify your decisions as well as legally bind them so you are sure to be protected if/when you need them. 

Here’s an idea of who can help: 

Generally, you can make a lot of decisions on your own but you may want some advice from a professional before making a final decision. 

Legal help: 

Will and probate attorneys

Trust attorneys

Financial help:

Retirement planners

Investment planners

Insurance agents

Medical help: 

Primary care physician 

Funeral/Burial planning professionals

These providers can help you sort through the choices available to you for your legal, financial, and medical needs. From preparing for retirement and earning and saving money to cover care and end-of-life expenses to making sure your wishes are carried out and your estate and your healthcare are managed in the way you desire. Each of these issues can be managed and coordinated with the help of a professional.