,,E/ATE ,,PLANN+
  ,= ,P )A ,*RONIC ,3DI;N OR ,4ABIL;Y

,,M>T9 ,M4 ,,%5KMAN1 ,,CPA1 ,,MBA1 ,,JD

        ,PUBLI%$ 0,DEMOS ,M$ICAL
      ,PUBLI%+1 ,,LLC1 ,NEW ,YORK
 ,COPY"R #BJJI 0,DEMOS ,M$ICAL ,PUBLI%+
  ,FUR!R REPRODUC;N OR 4TRIBU;N 9 O!R
  ?AN A SPECIALIZ$ =MAT IS PROHIBIT$4
             ,TRANSCRIP;N (
     ,,ISBN-#AC3 #IGH-A-ICBFJC-FF-H
       ,,ISBN-#AJ3 #A-ICBFJC-FF-B


    ,TRANSCRIB$1 #BJJI1 0,C>OL ,/UD]
          ,"EGRE5 ,BRL ,S]VICE
 ,WA%+TON ,TALK+ ,BOOK @& ,BRL ,LIBR>Y
           ,S1TTLE1 ,WA%+TON


             ,9 #E ,VOLUMES
               ,VOLUME #A
      ,BRL PAGES P#A-P#AJ & #A-IF
    ,PR9T PAGES ;I-;XVII & #A-B#CF   P#A
                ,,D$IC,N

,M>T9 ,LU!R ,K+1 ,JR41 9 8 BOOK1 ..,":
,D ,WE ,G F ,"H8 ,*AOS OR .,-MUN;Y1 MADE
! FOLL[+ OBS]V,N3 8,WE H 9H]IT$ A L>GE
H\SE ''' A GRT ,8_WH\SE0' 9 : WE H 6LIVE
TGR--BLACK & :ITE1 ,EA/]N] & ,WE/]N]1
,G5TILE & ,JEW1 ,CA?OLIC & ,PROTE/ANT1
,MUSLIM & ,H9DU ''' A FAMILY SEP>AT$ BY
ID1S1 CULTURE1 & 9T]E/ :O ''' M/ LE>N
"SH[ 6LIVE ) EA* O!R 9 P1CE40
  ,! IDEA ( 8DIV]S;Y0 HAS SL[LY -E 6!
=E4 ,6! EXT5T T WE C EMBRACE ! UNIQUE;S
( EA* ( U 9 A POSITIVE MANN]1 EA* ( U &!
_W Z A :OLE W B5EFIT 9 TREM5D\S WAYS4 ,B
DIV]S;Y M/ 5COMPASS M ?AN G5D]1 RACE1
RELIGION1 & CULTURE4 ,TRUE DIV]S;Y M/
5COMPASS ALL ! "*I/ICS T MAKE EA* ( U S
UNIQUE & SPECIAL1 9CLUD+ ! SPECIAL AT-
TRIBUTES ( 4ABIL;Y4 ,(T51 ^? :O /RU7LE )
A H1L? ISSUE H ! 9SI<T 6SAVOR ! MO;T1 TO
APPRECIATE ! SIMPLE & B1UTI;L ?+S 9 LIFE
T S _M O!RS TAKE = GRANT$4 ,MY WOND];L
WIFE ,PATTI IS AN AWE-9SPIR+ EMBODI;T (
^! ATTRIBUTES4 ,TOO (T51 H["E1 ^?    P#B
:O >E =TUNATE 5 6BE H1L?Y LACK ! -PAS.N
& EMPA?Y T %D 2 ! CORE ( :AT 2+ HUMAN IS
AB4
  ,?US1 ? BOOK IS D$ICAT$ 6ALL ( ^? :O
HELP BR+ ! MESSAGE ( DIV]S;Y 6! _W--DI-
V]S;Y T 5COMPASSES ! >RAY ( TRAGIC1 &
"S"TS HOPE;L1 H1L? ISSUES S _M /RU7LE )4
,9 "PICUL>1 ? BOOK IS D$ICAT$ 6^? BR++ ?
MESSAGE ( ESS5TIAL HUMAN;Y 6^? S NE$+ TO
HE> X4

,P]H "O "D1 :5 "O RCVS A DEVA/AT+ DIAG-
  NOSIS1 T PA9 W 2 -=T$1 N -P.D$1 0FRS1
  FAMILY1 SUPPOS$ LOV$ "OS1 EMPLOY]S1 &
  SOCIETY Z A :OLE4
,P]H "O "D1 EA* FAMILY MEMB] ( "S"O
  /RUCK )A SEV]E ILL;S W RUN 6SUPPORT1 N
  RUN 6HIDE4
,P]H "O "D1 ! PU%Y P 9 L9E AT AN AMUSE;T
  P>K & SUP]M>KET W PAUSE L;G 5 2F PU%+
  63TEMPLATE T "S"O 9 L9E ) !M MAY H A
  BAL.E PRO#M OR O!R H1L? ISSUE 6COPE )4
,P]H "O "D1 ALL EMPLOY]S W D M ?AN J %[
  ! -PAS.N T _! TRA9+1 POSI;NS1 $UC,N1 &
  /,NS W>RANT2 !Y W ACTIVELY SEEK    P#C
  \ ^? ) 4ABILITIES =! SPECIAL HUMAN;Y
  !Y BR+ 6! "WPLACE4
,P]H "O "D1 LAWY]S ADVOCAT+ = EMPLOY]S (
  ^? ) 4ABILITIES & H1L? ISSUES W TAKE
  PAUSE L;G 5 63SID] ! HUMAN SU6]+ ON !
  O!R 5D (! EQU,N 2F *>G+ FULL-SPE$ AH1D
  6Z1L\SLY S]VE _! CLI5TS1 R ?AN ! P]-
  SONS 9 TRUE NE$4 ,P]H "O "D1 Z1L\S
  REPRES5T,N W 2 US$ Z ORIG9,Y 9T5D$1 R
  ?AN Z A %IELD 6PROTECT :AT IS (T5 LL M
  ?AN F9ANCIAL PURSUITS4

  ,ABV ALL1 ? BOOK IS D$ICAT$ 6ALL ^?
LIV+ ) *RONIC ILL;S :O 9SPIRE U ALL TO
SUPPORT !M 9 _! NO# CAUSE4 ,ALL ROYAL-
TIES W 2 DONAT$ 6? CAUSE4








                                     P#D
         ,SPECIAL ,SYMBOLS ,US$
             ,9 ,? ,VOLUME

@ 7#D7 A35T SIGN
@& AMP]S&
_/ SLA%
,' 7#F1 #C7 TRANSCRIB]'S NOTE SYMBOL
,' 7#F1 #C7 T]M9,N SIGN

    ,-PUT] ,BRL ,CODE
_+ ,2G9 CODE 9DICATOR
_: ,5D CODE 9DICATOR
. 7#DF7 DOT1 P]IOD











                                     P#E
























                                     P#F
          ,TRANSCRIB]'S ,NOTE

  ,": ! LRS ;,P & ;,D APPE> TGR 9 ? BOOK
78,,PD071 !Y >E 6BE R1D Z AN A2REVI,N =
,P>K9SON'S ,41SE4 ,! LR SIGN IS N US$ =
^! SPECIFIC 9/.ES4
  ,]RORS 9 SPELL+1 PUNCTU,N1 GRAMM> &
SYNTAX H1 =! MO/ "P1 BE5 TRANSCRIB$ Z !Y
APPE> 9 PR9T4















                                     P#G
           ,PUBLI%]'S ,/ATE;T

  ,M$ICAL 9=M,N PROVID$ 0,DEMOS ,H1L?1 9
! ABS;E (A VISIT )A H1L?C>E PROFES.NAL1
M/ 2 3SID]$ Z AN $UC,NAL S]VICE ONLY4 ,?
BOOK IS N DESIGN$ 6REPLACE A PHYSICIAN'S
9DEP5D5T JUDG;T AB ! APPROPRIATE;S OR
RISKS (A PROC$URE OR !RAPY =A GIV5 PA-
TI5T4 ,\R PURPOSE IS 6PROVIDE Y ) 9=M,N
T W HELP Y MAKE YR [N H1L?C>E DECI.NS4
  ,! 9=M,N & OP9IONS PROVID$ "H >E BE-
LIEV$ 6BE A3URATE & S.D1 BAS$ ON ! BE/
JUDG;T AVAILA# 6! AU?ORS1 $ITORS1 & PUB-
LI%]1 B R1D]S :O FAIL 63SULT APPROPRIATE
H1L? AU?ORITIES ASSUME ! RISK ( ANY 9JU-
RIES4 ,! PUBLI%] IS N RESPONSI# = ]RORS
OR OMIS.NS4 ,! $ITORS & PUBLI%] WELCOME
ANY R1D] 6REPORT 6! PUBLI%] ANY 4CREPAN-
CIES OR 9A3URACIES NOTIC$4





                                     P#H
                ,,3T5TS

               ,VOLUME #A
,*APT]                             ,PAGE
,9TRODUC;N """"""""""""""""""""""""" ;IX

#A #G ,/EPS ( ,E/ATE ,PLANN+ """""""" #A
#B ,*RONIC ,ILL;S ,E/ATE ,PLANN+
  ,BASICS """""""""""""""""""""""""" #AA

               ,VOLUME #B
#C ,ORGANIZ+ ,LEGAL1 ,F9ANCIAL1 &
  ,O!R ,9=M,N3 ,! ,KEY 6,YR
  ,SECUR;Y """"""""""""""""""""""""" #CG
#D ,-PET5CY3 ,TAK+ ,LEGAL ,AC;NS
  6,PROTECT ,YRF """"""""""""""""""" #DI
#E ,P[] ( ,ATTORNEY3 ,AU?ORIZ+
  ,"S"O 6,TAKE ,LEGAL ,AC;N = ,Y """ #FC

               ,VOLUME #C
#E ,P[] ( ,ATTORNEY 73T47 """""""""" #HD
#F ,5SUR+ ,A3ESS 6,YR ,M$ICAL
  ,RECORDS3 ,,HIPAA """""""""""""""" #IA
#G ,YR ,H1L? ,C>E ,PROXY & ,LIV+
                                     P#I
  ,W3 ,DESIGNAT+ ,"S"O 6,MAKE
  ,H1L? ,C>E ,DECI.NS = ,Y """""""" #AJC

               ,VOLUME #D
#H ,EM]G5CY ,* ,M$ICAL ,=M """""""" #ABE
#I ,YR ,W3 ,4TRIBUT+ ,ASSETS & ,C>+
  = ,YR ,LOV$ ,"OS """""""""""""""" #ACC
#AJ ,REVOCA# ,LIV+ ,TRU/3 ,MA9TA9+
  ,3TROL & ,PROTECT+ ,Y ,"?
  ,4ABIL;Y """""""""""""""""""""""" #ACG
#AA ,*>ITA# ,GIV+ """"""""""""""""" #AEG
#AB ,O!R ,3SID],NS """""""""""""""" #AFG

               ,VOLUME #E
#AB ,O!R ,3SID],NS 73T47 """""""""" #AGD
#AC ,GETT+ ,/>T$ """""""""""""""""" #AHC

,9DEX """"""""""""""""""""""""""""" #AIE






                                    P#AJ
              ,,9TRODUC;N         ;I-;IX

        ,:AT ,IS ,E/ATE ,PLANN+

,E/ATE PLANN+ IS ALL AB GIV+ Y P1CE (
M9D AB A HO/ ( PRO#MS T MAY 3FRONT Y
DUR+ YR LIFE"T & A6ECT YR LOV$ "OS "!AF4
,E/ATE PLANN+ M1NS PLANN+ 6PROTECT Y F
LEGAL1 F9ANCIAL1 & O!R PRO#MS4 ,X'S AB A
LOT M ?AN SIGN+ A W4 ,A SIMPLE ;E-MAIL F
A WOMAN LIV+ ) MULTIPLE SCL]OSIS PRO-
VIDES A GRT EXAMPLE (! DEP?1 DETAIL1 P]-
SONAL ISSUES1 & M T M/ 2 A4RESS$ 6DEVEL-
OP AN E/ATE PLAN4

          ,:AT ,"QS ,D ,Y ,H8

,! FOLL[+ ;E-MAIL1 RCVD F A WOMAN "ND
,BONNIE 9 RESPONSE 6AN >TICLE ON F9AN-
CIAL P[]S ( ATTORNEY = ^? LIV+ ) *RONIC
ILL;S1 EMBODIES _M (! ISSUES1 MIS9=M,N1
P]SONAL /RU7LES1 & PRACTICAL ISSUES FAC$
0"S"O LIV+ )A *RONIC ILL;S4 ,LET ,BON-
NIE'S "QS 9TRODUCE ? BOOK &! NE$ = SPE-
CIAL /EPS 6HELP S _M L H]4 ,:E!R !    #A
ISSUES Y FACE1 ! "QS Y H1 OR !      A;IX
DOCU;TS Y NE$ >E ! SAME Z ,BONNIE'S1 !
R1L;Y ( H] SITU,N & "QS W HIT HOME4 ,H]
9QUISITIVE & ?"\-PROVOK+ ;E-MAIL1 RCVD Z
! F9I%+ T\*ES 7 2+ MADE 6? BOOK1 SEEM$
6BE ! ID1L 9TRODUC;N4 ,PROVID+ PRACTICAL
SOLU;NS 6HELP ! ,BONNIES 9 ? C.TRY IS !
GOAL ( ? BOOK4
--------------------------------------;X
          ,BONNIE'S ;,E-,MAIL

  ,DE> ,MR4 ,%5KMAN1
  ,MY "N IS ,BONNIE1 ,I AM #DI & LIVE 9
---- 7/ATE "N74 ,I AM AL ! UN=TUNATE RE-
CIPI5T ( MULTIPLE SCL]OSIS 7,,MS7 & H _H
X N[ = ALM #BJ YE>S4 ,AL? ,I AM MOBILE1
MY H1L? HAS "S:AT DECL9$1 : IS Q SC>Y4
  ,! R1SON ,I AM WRIT+ Y TD IS 2C ,I AM
Q 3C]N$ AB A FEW DI6]5T ?+S & ?"\ MAYBE
Y CD PO9T ME 9 ! "R DIREC;N4
  ,I AM A HOME[N] & AM 3C]N$ AB :O W GET
MY HOME :5 ,I PASS4 ,I MADE A W F A W
KIT MY FR S5T ME "? ! MAIL1 2+ "PICUL>LY
C>E;L 6FOLL[ 9/RUC;NS4 ,I AM UNA# 6OBTA9
A LAWY] AT ! MO;T S9CE AF "W+ #CB     #B
YE>S1 ,I AM NO L;G] A# 6"W P] DOC-   A;X
TOR'S ORD]S4 ,? IS K9D ( SC>Y = ME S9CE
,I H ALW BE5 V SELF-SU6ICI5T "W+ #B
JOBS1 "S"TS #C AT A "T4 ,I F9,Y 0 A# TO
PUR*ASE MY HOME #AD YE>S AGO :5 ,I 0 / Q
MOBILE & "W+ FULL "T4 ,"O N"E "KS :5 X
-ES 6YR H1L? :AT C HAPP54
  ,I LEFT 9/RUC;NS T MY HOME G 6MY "M
S9CE %E IS / ALIVE & ?ANK;LLY H1L?Y4 ,%E
IS MY ONLY LIV+ RELATIVE1 AL? ,I D H "O
BRO!R1 F :OM ,I AM E/RANG$4 ,IF %E PRE-
DEC1SES ME1 !N X IS LEFT 6"O FR ( M9E :O
CURR5TLY RESIDES 9 ,NEW ,YORK4
  ,ON ! O!R H&1 MY MOM 0 TOLD 0A LAWY] T
2C ( MY 4ABIL;Y1 ,I M/ H :AT"E MONIES_/-
PROP]TY IS LEFT 6ME PUT 96A TRU/4 ,!N !
MONIES C 2 ALLOCAT$ 6ME :5"E NEC1 PRO-
VID+ ,I /ATE :AT ! NE$ IS4
  ,I AM BA6L$ 0? S9CE MY PHYSICAL 3DI;N
_C 2 PREDICT$1 B MY M5TAL /ATE IS %>P &
CLE>4 ,:Y %D M"OY H 6BE ALLOCAT$ 6ME8 ,&
:AT IF NO?+ 0 "E SD 6A LAWY] AB MY DIS-
ABIL;Y8
  ,! PRO#M MY "M IS HAV+ IS F9D+ "S"O =A
TRU/ = ME & ? IS WEI<+ H1VILY ON      #C
H]4                                  B;X
  ,I "K Y M/ 2 EXTREMELY BUSY & "R;LLY
S1 B ,I WD GRTLY APPRECIATE A REPLY F Y
REG>D+ ^! MATT]S4 ,X WD 2 ( GRT -=T 6BO?
MYF Z WELL Z MY "M4
  ,_M ?ANKS = R1D+ ?1 & ,I ANXI\SLY
AWAIT YR REPLY1
    ,BONNIE
-------------------------------------;XI
            ,REPLY ,6,BONNIE

,BONNIE FACES _M (! SAME ISSUES & /RUG-
GLES ( _M LIV+ )A *RONIC ILL;S4

    ,MY "N IS ,BONNIE1 ,I AM #DI & LIVE
    9 ----4
,BONNIE NE$S 63SULT AN ATTORNEY SPECIAL-
IZ+ 9 E/ATE PLANN+ 9 ! /ATE 9 : %E RE-
SIDES4 ,/ATE LAWS1 &! PROGRAMS V>I\S
/ATES AF=D 6^? ) H1L? ISSUES1 DI6] SUB-
/ANTI,Y4 ,2 W>Y ( RELY+ ON ANY WEB SITE
OR ON A /&>DIZ$ =M4 ,EV5 ! SAMPLE =MS &
4CUS.NS 9 ? BOOK1 AL? DESIGN$ & 9T5D$ TO
HELP Y GET A PLAN & DOCU;TS 9 PLACE1 M/
ALW 2 REVIEW$ 0AN ATTORNEY 9 YR       #D
/ATE4 ,! G5]IC ,9T]NET DOCU;TS1     A;XI
:ILE *1P 7P]H _! ONLY ATTRIBUTE71 >E N
TAILOR$ 6A4RESS ! LOCAL NU.ES T A LOCAL
EXP]T W "U/&4

    ,I AM AL ! UN=TUNATE RECIPI5T ( MUL-
    TIPLE SCL]OSIS 7,,MS7 & H _H X N[ =
    ALM #BJ YE>S4 ,AL? ,I AM MOBILE1 MY
    H1L? HAS "S:AT DECL9$1 : IS Q SC>Y4
,DECL9+ H1L? IS SC>Y = ANY"O4 ,X M1NS
LOS+ 3TROL OV] MATT]S Y CD =M]LY D1L )4
,H["E1 PUTT+ YR F9ANCIAL & LEGAL H\SE 9
ORD]1 GETT+ 9 PLACE A -PREH5SIVE F9AN-
CIAL PLAN &! "R E/ATE PLANN+ DOCU;TS TO
PROTECT Y1 & SIMPLIFY+ YR ASSETS S T !Y
>E EASI] 6MANAGE Z YR H1L? 3T9UES 6DE-
CL9E W GIVE Y ASSUR.E & "S C]TA9TY 9 :AT
IS O!RWISE AN UNC]TA9 LIFE4

    ,! R1SON ,I AM WRIT+ Y TD IS 2C ,I
    AM Q 3C]N$ AB A FEW DI6]5T ?+S & ?"\
    MAYBE Y CD PO9T ME 9 ! "R DIREC;N4
,! "R DIREC;N W 2 DI6]5T = EA* P]SON'S
UNIQUE CIRCUM/.ES4 ,B "! >E "S -MON
?R1DS T =M ! BACKB"O ( ? BOOK & %D    #E
2 9 "EY"O'S PLAN3                   B;XI

.,DOCU;TS4 ,Y NE$ 6H ! SAME DOCU;TS T
  "EY"O ELSE HAS1 MODIFI$ 6A4RESS *RONIC
  ILL;S & TAILOR$ 6YR CIRCUM/.ES4 ,"! IS
  A *APT] ON EA* (! KEY DOCU;TS4
.,F9ANCIAL .PLAN4 ,Y NE$ A -PREH5SIVE
  F9ANCIAL PLAN T A4RESSES YR F9ANCIAL
  NE$S1 ! IMPACT ( YR ILL;S1 ! LIKELY
  C\RSE YR ILL;S W TAKE1 & O!R POSSI#
  SC5>IOS & 3T+5CIES = : 6PLAN4 ,? BOOK
  A4RESSES F9ANCIAL PLANN+ ONLY TANG5-
  TI,Y1 Z X A6ECTS YR E/ATE PLANN+4 ,B
  3TR>Y 6H[ MO/ E/ATE
------------------------------------;XII
  PLANN]S OP]ATE1 E/ATE PLANS & F9ANCIAL
  PLANS >E 9EXTRICABLY L9K$4 ,Y RE,Y _C
  PLAN YR E/ATE IF Y DON'T H A F9ANCIAL
  PLAN4 ,3V]SELY1 YR F9ANCIAL PLAN1 ES-
  PECI,Y IF Y H A *RONIC ILL;S1 IS UN-
  LIKELY 6BE SU3ESS;L IF Y DON'T H A
  PROP] E/ATE PLAN4


                                      #F
    ,I AM A HOME[N] & AM 3C]N$     A;XII
    AB :O W GET MY HOME :5 ,I PASS4
,A HOME IS (T5 ! L>GE/ ASSET _M P H4
,:AT YR W OR O!R E/ATE PLANN+ DOCU;T
PROVIDES = M/ 2 COORD9AT$ )! [N]%IP ( YR
PROP]TY 7CALL$ 8TITLE0 9 LEGAL J>GON74
,:AT IS ON YR DE$8 ,TOO (T5 P SP5D "T &
M"OY ON A W 6TRANSF] _! HOME ON D1? :5
EI ! DE$ BYPASSES _! E/ATE OR CD H A3OM-
PLI%$ ! SAME RESULT M E6ICI5TLY4 ,IF !
DE$ = YR H\SE LI/S 8,BONNIE & ,MOM1 Z
JO9T T5ANTS ) "R ( SURVIVOR%IP10 !N ON
YR D1?1 ,MOM WD GET ! H\SE4 ,NO PROBATE1
NO W1 NO HASSLE4 ,H["E1 RELY+ ON T AL"O
C 2 DANG]\S4 ,:AT IF MOM PREDEC1SES8 ,:O
GETS ! H\SE !N8 ,IF YR 4ABIL;Y ADV.ES 6!
PO9T ": Y _C MAKE DECI.NS1 X WD 2 BETT]
=! H\SE 6BE HELD 9 A REVOCA# LIV+ TRU/
6FACILITATE ! MANAGE;T (! PROP]TY = YR
B5EFIT4 ,ON ! O!R H&1 IF YR T>GET B5EFI-
CI>Y IS "Y] ?AN Y & RE,Y LIKELY 6SURVIVE
Y1 A SIMPLE DE$ MI<T J 2 ! TICKET4


                                      #G
    ,I MADE A W F A W KIT MY FR    B;XII
    S5T ME "? ! MAIL1 2+ "PICUL>LY C>E;L
    6FOLL[ 9/RUC;NS4
,:OA "!1 "PN]4 ,HOLD YR HORSES6 ,? IS "O
( ^? 8D N PASS G1 D N COLLECT 4#BJJ0
C>DS4 ,Y'RE RE,Y PICK+ F ! 8,*.E0 PILE
ON T "O4 ,9T]NET & W KIT =MS >E *1P1 B
!Y >E NO SUB/ITUTE = -PET5T PROFES.NAL
ADVICE4 ,DID ! W KIT ASK Y :AT YR DE$
SD8 ,IF YR DE$ LI/S YR EX-HUSB&1 REC5T
BOYFR1 OR YR "M Z A JO9T [N]1 YR W MAY N
H ANY IMPACT ON :AT HAPP5S 6YR H\SE4
,DID YR W KIT TALK AB 9SUR.E8 ,DID X AD-
DRESS :E!R Y H ! F9ANCIAL ":)AL 6HOLD
ONTO YR H\SE8 ,:AT AB MANAG+ YR H\SE IF
Y 7 62COME FULLY 9CAPACITAT$8 ,T'S :AT A
PLAN PREP>$ 0PROFES.NALS DOES &A W KIT
DOES N D4 ,:AT DOES YR P[] ( ATTORNEY
SAY AB SELL+ YR H\SE8 ,:O IS YR AG5T :O
C MAKE ^? DECI.NS8 ,W KITS DON'T A4RESS
T4 ,SIGNIFICANTLY1 NO FILL-IN-!-BLANK =M
OR -PUT] PROGRAM C YET SUB/ITUTE =! K &
WISDOM ( DECADES ( EXP]I;E1 NOR A4RESS !
NU.ES ( YR H1L? SITU,N4 ,"S (! MAT]IAL
PREP>$                                #H
      ,',TEXT 3T9U$ ON PAGE        C;XII
    ;XIV,'
-----------------------------------;XIII
                  ,KEY
7777777777777777777777777777777777777777
  ,F> M IMPORTANT = Y1 ,BONNIE1 IS T "!
>E A COLLEC;N ( O!R ISSUES P]TA9+ 6YR
H\SE 6A4RESS Z "P ( YR PLAN4 ,REMEMB]1
E/ATE PLANN+ D"O "R IS N J AB A W OR BE-
QU1?+ PROP]TY4 ,D Y H ADEQUATE PROP]TY &
LIABIL;Y COV]AGE8 ,D Y H AN UMBRELLA OR
P]SONAL EXCESS LIABIL;Y POLICY8 ,? IS
USU,Y PRETTY 9EXP5SIVE & C 2 VITAL 6PRO-
TECT YR ASSETS IF "! IS "E A LAWSUIT4
  ,= EXAMPLE1 IF A C> A3ID5T IS TRI7]$
0AN IMPAIR;T OR ATTACK ATTRIBUTA# 6AN
ILL;S1 ! CO/S ASSOCIAT$ )A LAWSUIT CD
EXCE$ ! COV]AGE AVAILA# "U ! IMPAIR$
DRIV]'S AUTOMOBILE 9SUR.E POLICY & JEOP-
>DIZE O!R ASSETS1 9CLUD+ ! DRIV]'S HOME6
,AN UMBRELLA LIABIL;Y POLICY C PROTECT
AG/ T & MI<T 2 VITAL = 9DIVIDUALS )A
*RONIC ILL;S :O PU% ! 5VELOPE 0DRIV+ 2Y
! "T !Y RE,Y %D 2 DO+ S4 ,_M P LIV+ )
*RONIC ILL;S 3T9UE 6DRIVE UNTIL AN    #I
8EV5T0 3V9CES !M 6/OP OR A LOV$   A;XIII
"O MAKES !M /OP4 ,GETT+ AN UMBRELLA POL-
ICY CD 2 "O (! MO/ IMPORTANT /EPS !Y C
TAKE 6SAFEGU>D _! FUTURE4
  ,F9,Y1 REMEMB] ! OLD SAY+1 8,A MAN'S
HOME IS 8 CA/LE40 ,= "S"O )A *RONIC ILL-
;S1 T CA/LE CD RE,Y 2 AN IRREPLACEA#
BAS;N ( -=T & SECUR;Y4 ,IF Y'VE MODIFI$
YR HOME 69CLUDE AN (FICE ": Y C "W1 ALL
! A3OMMOD,NS T Y MI<T NE$1 ROOM =A C>E-
TAK]1 & S ON1 /EPS 6PRES]VE & SAFEGU>D
YR HOME MAY 2 F> M IMPORTANT = Y ?AN =!
AV]AGE CA/LE-[N]4 ,S1 :ILE X IS IMPOR-
TANT 63SID] :AT HAPP5S :5 Y DIE1 Y'RE
ONLY #DI1 MULTIPLE SCL]OSIS MAY N H A
SIGNIFICANT IMPACT ON YR LIFE EXPECTAN-
CY1 & "! >E M* BI7] FI% 6FRY ?AN WORRY+
AB A W4 ,UN=TUNATELY1 MO/ E/ATE PLANN]S
FOCUS ON WILLS & TRANSF]R+ ASSETS4 ,RE-
MEMB] ! ^WS 9 ! ,PAUL ,SIMON S;G3 8,GET
A PLAN1 ,/AN40 ,T W S]VE Y M* BETT] ?AN
! OLD ADAGE1 8,": "!'S A W "!'S A WAY40
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

                                     #AJ
      ,',3T9U$ F PAGE C;XII,'       ;XIV
US+ CANN$ =MS & WEB SITES IS S BAD T X
IS LIT],Y WORSE ?AN N HAV+ A DOCU;T4 ,W
KITS & WEB SITES C1 H["E1 2 US$ 9 "O RE-
,Y PRODUCTIVE WAY--Z TOOLS 6MAKE _M OR
MO/ (! DECI.NS Y NE$ 6MAKE 2F A LAWY]
TURNS 8 CLOCK ON4 ,! M PREP>$ Y >E !
BETT] ! 5D PRODUCT Y'LL GET & AT LESS
CO/4 ,B CANN$ =MS C N"E ID5TIFY & A4RESS
! PLANN+ NU.ES UNIQUE 6Y4

    ,I AM UNA# 6OBTA9 A LAWY] AT ! MO;T
    S9CE AF "W+ #CB YE>S1 ,I AM NO L;G]
    A# 6"W P] DOCTOR'S ORD]S4
,BONNIE1 Y PROBABLY C'T AF=D .N 6GET !
"R ADVICE4 ,! RESULTS CD 2 DEVA/AT+4 ,"!
>E "S GRT RES\RCES AVAILA#1 & HOPE;LLY ?
BOOK W S]VE Z ! CATALY/ = _M ORGANIZ,NS
6RUN AN 8E/ATE PLANN+ "D0 ) LOCAL PRO-
FES.NALS VOLUNTE]+ "T 6HELP ! T5S ( MIL-
LIONS ( P J L Y4 ,HOPE;LLY1 _M (! "QS
RAIS$ 9 ? *APT] W HELP Y & O!RS "U/& !
VITAL IMPORT.E ( GETT+ ! "R HELP & GIVE
Y AN "U/&+ ( :AT T MI<T 5TAIL4
                                     #AA
    ,? IS K9D ( SC>Y = ME S9CE     A;XIV
    ,I H ALW BE5 V SELF-SU6ICI5T "W+ #B
    JOBS1 "S"TS #C AT A "T4
,X IS 4CONC]T+4 ,B GETT+ A R1L PLAN TGR
W HELP KEEP Y 9 3TROL & 5SURE YR FUTURE4
,:AT"E ! FUTURE HOLDS1 H["E DI6ICULT1 X
W ALW 2 BETT] IF PLANN$4 ,Y S.D L A R1L
FI<T]1 & T'S GRT4 ,T'S ! _S T W KEEP Y
GO+4 ,YR -;T PO9TS \ A RE,Y SIGNIFICANT
MISCONCEP;N MO/ F9ANCIAL PLANN]S1 E/ATE
PLANN]S1 A3.TANTS1 & O!R ADVIS]S H AB ^?
) *RONIC ILL;S4 ,MO/ IMMLY ASSUME T !
*RONIC,Y ILL H FEW ASSETS OR "W HI/ORY4
,MO/ E/ATE PLANN]S ASSUME FAMILY MEMB]S
NE$ 6SET UP A SPECIAL NE$S TRU/ =! *RON-
IC,Y ILL LOV$ "O4 ,MO/ F9ANCIAL PLANN]S
ASSUME T A CLI5T ) *RONIC ILL;S HAS NO
RES\RCES & NE$S %ORT-T]M 3S]VATIVE 9VE/-
;TS1 EV5 IF ! OPPOSITE MI<T 2 TRUE 7Z X
IS = Y1 ,BONNIE74 ,_M ADVIS]S ASSUME T
^? ) *RONIC ILL;S H NO EXP]TISE OR BUSI-
;S K4 ,Y CLE>LY H EXP]TISE & K F YE>S (
"W &1 HOPE;LLY1 "S SIGNIFICANT ASSETS
7YR HOME IS "O7 T W>RANT ! RESPECT &
PLANN+ !Y DES]VE4 ,^? )A *RONIC      #AB
ILL;S UN=TUNATELY H 69SI/ ON       B;XIV
GETT+ ! RESPECT & PROP] GUID.E !Y NE$ &
MAKE SURE T ADVICE IS TAILOR$ 6_! CIR-
CUM/.ES1 & N TAILOR$ 9 A WAY T REFLECTS
"S ADVIS]'S G5]IC MISCONCEP;NS AB CLI5TS
) *RONIC ILL;S4
-------------------------------------;XV
    ,I F9,Y 0 A# 6PUR*ASE MY HOME #AD
    YE>S AGO :5 ,I 0 / Q MOBILE & "W+
    FULL "T4
,AF #AD YE>S1 YR HOME HAS LIKELY APPRE-
CIAT$ SUB/ANTI,Y 9 VALUE & Y'VE HOPE;LLY
PD D[N M* ( YR MORTGAGE4 ,:ILE Y MI<T 2
TOO "Y =A REV]SE MORTGAGE 6AUG;T YR CA%
FL[1 TALK+ )A SKILL$ F9ANCIAL PLANN]
MI<T GIVE Y "S IMPORTANT ID1S4 ,DEP5D+
ON YR O!R ASSETS & RES\RCES1 Y MI<T 2 J
F9E IF Y BUDGET C>E;LLY4 ,IF ! NUMB]S
DON'T "W1 ! SOON] Y ANALYZE ! 8:AT IF0
SC5>IOS ! BETT]4 ,= EXAMPLE1 SELL+ YR
H\SE1 D[NSIZ+ 6CUT CO/S1 & 9VE/+ ! DI6]-
;E MI<T MAKE YR F9ANCIAL PICTURE "WA#4
,"! >E MYRIAD SC5>IOS4 ,^! >E ALL M IM-
PORTANT ?AN ! ISSUE ( :O 9H]ITS YR H\SE4
                                     #AC
    ,"O N"E "KS :5 X -ES 6YR H1L?   A;XV
    :AT C HAPP54
,Y SD X4 ,NO "O4 ,T IS :Y "EY"O %D PLAN
YE/]"D1 2F ! PRO#MS ( TM GET "H4

    ,I LEFT 9/RUC;NS T MY HOME G 6MY "M
    S9CE %E IS / ALIVE & ?ANK;LLY H1L?Y4
    ,%E IS MY ONLY LIV+ RELATIVE1 AL? ,I
    D H "O BRO!R1 F :OM ,I AM ES-
    TRANG$4 ,IF %E PREDEC1SES ME1 !N X
    IS LEFT 6"O FR ( M9E :O CURR5TLY RE-
    SIDES 9 ,NEW ,YORK4
,SEE ! -;TS ABV 3C]N+ ! DE$1 A REVOCA#
TRU/1 & S ON4 ,9=MAL 9/RUC;NS C H NO IM-
PACT ON :O WD RCV YR H\SE ON D1?4 ,IN-
/RUC;NS 9 A W MI<T DET]M9E ": YR H\SE W
G1 B ONLY IF ! DE$ RESULTS 9 YR W GOV]N+
! 4POSI;N ( YR H\SE4 ,B NEI 9=MAL 9/RUC-
;NS NOR A W 7EV5 IF ! DE$ L1VES ! W 9
3TROL7 A4RESS H[ YR H\SE IS 6BE MANAG$
IF Y 2COME TOO 4A#D 6MANAGE X YRF OR D1L
)! F9ANCIAL PLANN+ & 9SUR.E ISSUES1 & S
ON4 ,! SITU,N ) YR BRO!R IS SAD1 ESPE-
CI,Y 9 LI<T ( YR H1L? /RU7LES4 ,:AT"E
FAMILY SLI<TS OR P]CVD SLI<TS        #AD
O3URR$ 9 ! PA/1 X IS TOO BAD T HE   B;XV
_C PUT !M 2H HM & 2 "! 6HELP Y \4 ,_M
SU6]+ ) *RONIC ILL;SES F9D T FAMILY MEM-
B]S1 CLOSE FRS1 & EV5 A "PN] OR A SP\SE
4APPE> :5 ! GO+ GETS T\<4 ,? IS :Y A
-PREH5SIVE E/ATE & F9ANCIAL PLAN IS S
VITAL4 ,Y NE$ 6A4RESS :O W HELP Y IF Y
NE$ X & 6H S"EAL ALT]NATES 7CALL$ 8SUC-
CESSOR AG5TS0 OR 8SU3ESSOR FIDUCI>IES07
IF ! P Y "ND _C OR W N HELP4 ,IF YR
FUNDS >E ADEQUATE1 X IS ID1L 6"N A PRO-
FES.NAL FIDUCI>Y 7S* Z A BANK OR TRU/
-PANY7 9 A LIV-
------------------------------------;XVI
+ TRU/ 6MANAGE YR ASSETS IF & :5 Y _C D
S4 ,F9,Y1 :AT AB L1V+ YR H\SE 6A *>;Y T
IS D$ICAT$ 6-BAT+ & LOOK+ =A CURE = YR
41SE 9/1D ( J A FR8 ,P]H Y C SPLIT !
VALUE (! H\SE & YR REMA9+ ASSETS 2T MOM1
YR FR1 &A *>;Y4 ,MAK+ A -MIT;T TD1 EV5
IF X IS N PD UNTIL AF YR D1? 7? IS CALL$
A 8PLANN$ GIFT0 OR A 8DEF]R$ GIFT07 C
HELP BOO/ ! FUND-RAIS+ EF=TS (! *>;Y Y
*OOSE4
                                     #AE
    ,ON ! O!R H&1 MY ,MOM 0 TOLD   A;XVI
    0A LAWY] T 2C ( MY 4ABIL;Y1 ,I M/ H
    :AT"E MONIES_/PROP]TY IS LEFT 6ME
    PUT 9 A TRU/4 ,!N ! MONIES C 2 ALLO-
    CAT$ 6ME :5"E NEC PROVID+ ,I /ATE
    :AT ! NE$ IS4
,MAYBE YES1 MAYBE NO4 ,? ADVICE MI<T 2
BAS$ ON ! PREVAIL+ MISCONCEP;N MO/ AD-
VIS]S HOLD1 T FOLKS ) *RONIC ILL;S H FEW
RES\RCES4 ,WE WON'T LI/ ! MYRIAD A3OM-
PLI%$1 & (T5 W1L?Y1 FOLKS ) *RONIC ILL-
;SES 6PROVE ! PO9T4 ,IF Y >E RCVG GOV]N-
;T AID1 !N 9 FACT IF YR "M LEFT Y ASSETS
\T"R1 ^? ASSETS CD 4QUALIFY Y =! AID &!
PROGRAMM+ ESS5TIAL = Y4 ,9 T CASE1 YR
"M'S 2QUE/ 6Y CD 2 MADE 9 A SPECIAL
TRU/1 CALL$ A 8SPECIAL NE$S TRU/0 OR
,,SNT4
  ,LET'S DEF9E ! L+O4 ,A TRU/ IS RE,Y A
3TRACTUAL >RANGE;T 9 : A P]SON CALL$ A
8TRU/EE0 IS DESIGNAT$ 6MANAGE ASSETS (!
TRU/ 7CALL$ 8CORPUS074 ,^! ASSETS >E
MANAG$ = Y 7! 8B5EFICI>Y074 ,A SPECIAL
NE$S TRU/ RE/RICTS ! TRU/EE'S "RS 6MAKE
4TRIBU;NS 6Y 6ONLY ^? ITEMS &        #AF
PURPOSES T >E ABV & 2Y BASIC       B;XVI
LIV+ EXP5SES4 ,GOV]N;TAL PROGRAMS WD
PROVIDE ^! IF Y _H 9ADEQUATE RES\RCES &
MET _! QUALIFIC,NS4 ,IF1 H["E1 Y [N A
HOME : MI<T H SIGNIFICANT EQU;Y & H O!R
ASSETS F YR _M YE>S ( "W EXP]I;E1 A SPE-
CIAL NE$S TRU/ MI<T 2 AN UNNEC RE/RIC;N
ON Y4 ,IF Y _H A *RONIC ILL;S T WD AS-
SUR$LY RESULT 9 SIGNIFICANT COGNITIVE
IMPACT MAK+ X IMPOSSI# AT "S PO9T = Y
6MAKE YR [N DECI.NS1 !N A TRU/ WD C]TA9-
LY MAKE S5SE4 ,F9,Y1 Y RAIS$ ! ISSUE AB
FUNDS 2+ ALLOCAT$ 6Y4 ,DEP5D+ ON ! NA-
TURE (! TRU/ 2+ SET UP = Y "U YR "M'S W
7OR P]H A TRU/ E/ABLI%$ = Y DUR+ H]
LIFE"T1 9DEP5D5T ( H] W71 Y CD 2 A CO-
TRU/EE AL;G )A BANK1 TRU/ -PANY1 OR FR1
& Y CD H ! "R 6MAKE C]TA9 4TRIBU;NS 6YRF
"U ! TRU/4 ,S 2 C>E;L ) G5]IC ADVICE4 ,X
MI<T "W = VITAM9S1 B N = E/ATE PLANS4




                                     #AG
    ,I AM BA6L$ 0? S9CE MY PHYS-   ;XVII
    ICAL 3DI;N _C 2 PREDICT$1 B MY M5TAL
    /ATE IS %>P & CLE>4 ,:Y %D M"OY H TO
    2 ALLOCAT$ 6ME8 ,& :AT IF NO?+ 0 "E
    SD 6A LAWY] AB MY 4ABIL;Y8
,TRU/S1 :5 PROP]LY SET UP1 >E ! ID1L WAY
69H]IT M"OY1 H1L? ISSUE OR N6 ,A PROP]LY
CRAFT$ TRU/ C PROVIDE ANY OR ALL (! FOL-
L[+ B5EFITS3

..,PROTEC;N AG/ LAWSUITS 78ASSET .PRO-
  TEC;N074 ,L ! C> A3ID5T EXAMPLE US$
  E>LI]1 = ^? )A *RONIC ILL;S ? MI<T 2 M
  IMPORTANT ?AN = ^? )\T H1L? ISSUES4
.,E/ATE .TAXES4 ,IF "S"O IS SU6ICI5TLY
  W1L?Y1 9H]IT+ ASSETS 9 A TRU/ MAY 5A#
  T P]SON 6A3ESS ^? ASSETS )\T 2+ SUB-
  JECT 6E/ATE TAX4 ,BONNIE1 :ILE Y FEEL
  CA% /RAPP$1 ! EQU;Y 9 YR HOME AL"O1
  DEP5D+ ON ": Y LIVE1 CD SUBJECT YR ES-
  TATE 6A /ATE LEVEL E/ATE TAX4 ,IF ? IS
  -P.D$ 0M"OY Y 9H]IT F YR "M1 Y / MI<T
  FACE AN E/ATE TAX EV5 IF Y FEEL Y >E
  F9ANCI,Y 9SECURE4
.,MANAGE;T4 ,NAM+ A COTRU/EE         #AH
  76S]VE ) Y7 C PROVIDE ESS5-     A;XVII
  TIAL HELP 6ANY"O1 B ESPECI,Y 6"S"O
  LIV+ )A *RONIC ILL;S4 ,= EXAMPLE1 IF Y
  DEVELOP COGNITIVE ISSUES Z A RESULT (
  ,,MS1 9H]IT+ ASSETS 9 A TRU/ ) Y &A
  MAJOR BANK Z CO-TRU/EES IS A GRT WAY
  69VOLVE Y 9 YR [N F9.ES & DECI.N MAK+
  = Z L;G Z POSSI#4 ,! 9/ITU;NAL COTRUS-
  TEE C H&LE ALL 9VE/;TS1 BILL PAY+1 PA-
  P]"W1 & O!R ADM9I/RATIVE MATT]S = Y :5
  T 2COMES NEC4 ,Y C 2 ISSU$ MON?LY RE-
  PORTS & H FULL JO9T DECI.N MAK+4 ,? C
  2 F> SAF] ?AN 9H]IT+ ASSETS \T"R &
  /RU7L+ 6MANAGE !M AL"O WELL PA/ ! PO9T
  :5 Y NE$ HELP4 ,TOO (T51 ^? ) COGNI-
  TIVE OR O!R H1L? ISSUES >E TAK5 ADVAN-
  TAGE (1 EV5 0FAMILY MEMB]S4 ,IF Y 9H]-
  IT \T"R & DON'T H ADEQUATE E/ATE PLAN-
  N+ DOCU;TS 6PROTECT Y1 A C\RT MI<T AP-
  PO9T A GU>DIAN 6MANAGE YR P]SON &_/OR
  PROP]TY4 ,Y MI<T FEEL E/RANG$ F YR
  BRO!R1 B T MI<T N /OP HM F RESURFAC+ &
  TRY+ 63V9CE A C\RT T HE IS YR 8LOV+
  BRO!R0 3C]N$ ) YR WELL 2+4 ,IF HE IS !
  ONLY LIV+ FAMILY MEMB]1 IF "S?+    #AI
  HAPP5S 6YR "M1 !N A C\RT MAY    B;XVII
  BUY 96HIS PETI;N6 ,SETT+ UP A TRU/ = Y
  9 YR "M'S W1 5SUR+ T Y H APPROPRIATE
  DOCU;TS & PLANN+1 &
----------------------------------;XVIII
  9CLUD+ REF];ES 9 YR E/ATE PLANN+ DOCU-
  ;TS 3FIRM+ YR E/RANG$ REL,N%IP1 C ALL
  5SURE AG/ ? HAPP5+4 ,X IS N UNCOMMON =
  AN E/RANG$ SIBL+ 65D1VOR 6CAUSE H>M OR
  W9 "S L;G-=GOTT5 P[] PLAY 9 ? MANN]4

    ,! PRO#M MY "M IS HAV+ IS F9D+ "S"O
    =A TRU/ = ME & ? IS WEI<+ H1VILY ON
    H]4
,IF "! >E ADEQUATE ASSETS1 USE A BANK OR
A PROFES.NAL TRU/ -PANY1 NAM+ T 9/ITU;N
& Y Z CO-TRU/EES4 ,T IS (T5 ! SAFE/ &
BE/ APPROA*4 ,IF YR MOM HAS 6R1* 6ID5TI-
FY P]SONS T C S]VE Z TRU/EES1 !Y MAY N 2
! P Y RE,Y WANT 6RELY ^U4




                                     #BJ
    ,I "K Y M/ 2 EXTREMELY       A;XVIII
    BUSY & "R;LLY S1 B ,I WD GRTLY AP-
    PRECIATE A REPLY F Y REG>D+ ^! MAT-
    T]S4 ,X WD 2 ( GRT -=T 6BO? MYF Z
    WELL Z MY "M4
,P1CE ( M9D1 OR -=T1 IS RE,Y ! GOAL ( E
E/ATE & F9ANCIAL PLAN4 ,T IS :Y A -PRE-
H5SIVE APPROA* IS ! BE/ WAY 6A*IEVE T
-=T4 ,! *ALL5GE IS 6D ? 9 A CO/-E6ECTIVE
MANN] T IS TAILOR$ 6REFLECT ! NU.ES ( YR
ILL;S4 ,HOPE;LLY YR EXTRAORD9>ILY -PRE-
H5SIVE & 9SI<T;L "QS1 : WE'VE ANALYZ$ 9
"S DETAIL "H1 W S]VE Z A GUIDE = _M O!RS
/RU7L+ ) SIMIL> ISSUES & *ALL5GES4

             ,*APT] ,SUMM>Y
7777777777777777777777777777777777777777
,DIG 9 L ,BONNIE4 ,?9K "? YR 3C]NS &
"QS4 ,TAKE ! RISK ,BONNIE DID 0OP5+ UP &
REV1L+ H] P]SONAL ?"\S4 ,ADMIT :AT WOR-
RIES Y4 ,IF Y >E SC>$ & C SAY :Y1 T IS !
F/ /EP 6GETT+ ! HELP & GUID.E Y NE$4
,REMEMB] T ! MO/ IMPORTANT "Q 9 E/ATE &
F9ANCIAL PLANN+ IS 8:AT IF80 ,ASK LOTS (
"QS1 MAKE SURE Y "U/& ! ANSW]S1 &    #BA
AL MAKE SURE T 9 ! 5D1 L ,BON-   B;XVIII
NIE1 Y F9D ! /EPS 6L1D Y 6! 8-=T Z"O0 Y
WANT & DES]VE4 ,:AT"E *RONIC ILL;S Y >E
LIV+ )1 ! G5]AL PLANN+ 3CEPTS 9 ? BOOK W
HELP GUIDE Y4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG


















                                     #BB
               ,,*APT] #A             #A

       #G ,/EPS ( ,E/ATE ,PLANN+

         ,9TRODUC;N 6! #G ,/EPS

,IF Y OR A LOV$ "O "UTAKE E/ATE PLANN+1
"! >E SEV5 KEY /EPS 63SID] 9 ! PROCESS4
,^! /EPS >E 4CUSS$ 2L1 & !N FOLL[$ 0A M
DETAIL$ 4CUS.N ( H[ ^! /EPS *ANGE IF Y
7OR YR LOV$ "O7 IS LIV+ )A *RONIC ILL;S1
Z #IJ MILLION ,AM]ICANS >E4 ,! DI6];E 2T
H[ ^! /EPS >E APPLI$ = P 9 G5]AL1 V]SUS
^? )A *RONIC ILL;S1 W HELP HI<LI<T !
SPECIAL NATURE ( PLANN+ = ^? LIV+ )A
*RONIC 41SE4

        #G ,E/ATE ,PLANN+ ,/EPS
            6,PROTECT ,"EY"O

                  ,KEY
7777777777777777777777777777777777777777
  ,"! >E SEV5 KEY E/ATE PLANN+ /EPS T
"EY"O NE$S 6TAKE 6PROTECT !MVS F A WIDE
RANGE ( E/ATE PLANN+ ISSUES &        #BC
PRO#MS4 ,AF ? G5]AL 4CUS.N1 ^!       A#A
3CEPTS W 2 EVALUAT$ F ! P]SPECTIVE ( H[
6A4RESS !M :5 Y H A *RONIC ILL;S4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

    ,/EP #A3 ,ORGANIZE EM]G5CY 9=M,N
,9 AN EM]G5CY1 W YR FAMILY & LOV$ "OS "K
": KEY LEGAL1 TAX & F9ANCIAL 9=M,N IS8
,UN.S Y MAKE AN EF=T 6ORGANIZE ^! REC-
ORDS & -MUNICATE ! 9=M,N1 !Y WON'T4
,SIGN+ A P[] ( ATTORNEY 6AU?ORIZE "S"O
6TAKE LEGAL & F9ANCIAL AC;NS = Y MAY N 2
( M* PRACTICAL HELP IF !Y _C FIGURE \ ":
YR BANK
--------------------------------------#B
A3.TS >E4 ,ORGANIZ+ & -MUNICAT+ 9=M,N IS
IMPORTANT 6YR PLAN SU3E$+4 ,TAKE ! "T TO
MAKE SURE ! CRUCIAL 9=M,N T MAY 2 NE$$ 9
AN EM]G5CY IS ORGANIZ$1 AVAILA#1 & SIM-
PLE4

    ,/EP #B3 ,DESIGNATE A P]SON 6H&LE
    F9ANCIAL & LEGAL ISSUES
,IF Y _C GET 6! BANK 6TAKE C>E ( DEPOS-
ITS OR BILLS1 H[ W ^! IMPORTANT      #BD
ISSUES 2 T5D$ TO8 ,:ILE PRACTICAL    A#B
/EPS S* Z ONL9E BILL PAY+ & AUTOMATIC
DEPOSIT ( *ECKS C HELP1 !Y >E N"E 5 6RE-
LY ^U4 ,:AT Y NE$ IS A LEGAL DOCU;T1
CALL$ A P[] ( ATTORNEY1 9 : Y C DESIG-
NATE A P]SON 6H&LE IMPORTANT LEGAL1 TAX1
& O!R MATT]S 9 YR PLACE4

    ,/EP #C3 ,DESIGNATE A P]SON 6MAKE
    H1L? C>E DECI.NS & A3ESS M$ICAL REC-
    ORDS4
,IF Y "UGO SURG]Y1 H AN A3ID5T1 OR >E
RU%$ 96HOSPITAL )A M$ICAL EM]G5CY1 :O C
MAKE M$ICAL DECI.NS = Y8 ,ONCE Y 2COME
AN ADULT1 NO "O HAS ! "R 6MAKE H1L? C>E
& O!R DECI.NS = Y UN.S Y GIVE !M T "R4
,9 ORD] 6D T1 Y NE$ A LEGAL DOCU;T1
CALL$ A H1L? C>E PROXY4 ,UN.S Y TAKE !
"T 6PREP>E AN APPROPRIATE DOCU;T1 Y _C H
ANY ASSUR.E T YR H1L? C>E WI%ES W 2 C>-
RI$ \4 ,9 "S 9/.ES Y WON'T NE$ ANY"O TO
TAKE OV] DECI.N MAK+ = Y1 B Y MAY WANT A
TRU/$ FR OR FAMILY MEMB] 6MONITOR YR
C>E4 ,= !M 6H A3ESS 6YR M$ICAL RECORDS1
Y W H 6PROVIDE !M )A SPECIAL         #BE
AU?ORIZ,N 6D S4 ,? AU?ORIZ,N M/      B#B
A4RESS ! REQUIRE;TS (! ,H1L? ,9SUR.E
,PORTABIL;Y & ,A3.TABIL;Y ,ACT
7,,HIPAA74

    ,/EP #D3 ,-MUNICATE YR H1L? C>E
    WI%ES
,:ILE X IS VIT,Y IMPORTANT T Y DESIGNATE
"S"O 6MAKE H1L? C>E DECI.NS = Y 9 CASE (
AN EM]G5CY1 T AL"O IS N 5\<4 ,:AT IF A
DECI.N HAS 6BE MADE AT #B3JJ A4M4 ON A
HOLI"D WEEK5D & N"O (! P Y'VE DESIGNAT$
C 2 R1*$8 ,H[ D ! PHYSICIANS C>+ = Y "K
:AT YR WI%ES >E8 ,EV5 IF YR DESIGNAT$
DECI.N MAK] IS A# 6BE R1*$1 DOES T P]SON
RE,Y "K & "U/& :AT Y WD WANT8 ,& EV5 IF
HE DOES1 H[ DI6ICULT EMO;N,Y W X 2 = HM
TO
--------------------------------------#C
MAKE ! T\< DECI.NS8 ,6TAKE C>E ( ALL ^!
ISSUES1 Y %D PREP>E A LEGAL DOCU;T1
CALL$ A LIV+ W1 6MAKE YR H1L? C>E WI%ES
"KN4

                                     #BF
    ,/EP #E3 ,PROTECT YR M9OR * )    A#C
    AN EM]G5CY * M$ICAL =M
,IF Y 7OR Y & YR SP\SE OR "PN]7 >E AWAY
ON VAC,N1 & Y L1VE YR M9OR * )A FR1 FAM-
ILY MEMB] OR C>ETAK]1 D !Y H ! K & AU-
?OR;Y 6ACT 9 ! EV5T YR * 2COMES ILL OR
HAS AN A3ID5T8 ,9 _M CASES !Y DON'T4 ,!
LR T _M P H&WRITE :ILE SITT+ AT ! KIT*5
TA# ! NI<T 2F !Y L1VE ON VAC,N ISN'T P>-
TICUL>LY USE;L4 ,IF Y -PLETE & SIGN A =M
4CLOS+ KEY 9=M,N AB YR *'S C>E1 & GIV+
9/RUC;NS 6ANY TEMPOR>Y C>EGIV]S1 YR * W
2 M* BETT] PROTECT$4

    ,/EP #F3 ,SIGN A W
,"EY"O "KS :AT A W IS4 ,X IS A LEGAL
DOCU;T 6DESIGNATE ": YR ASSETS %D 2 DIS-
TRIBUT$ 9 ! EV5T ( D1?4 ,IF Y H M9OR *N1
YR W %D AL "N P]SONS 6C>E = YR *N 7GU>D-
IANS74

    ,/EP #G3 ,CR1TE A REVOCA# LIV+ TRU/
,A REVOCA# LIV+ TRU/ IS AN >RANGE;T T Y
MAKE 6TRANSF] "S OR ALL ( YR ASSETS 6A
TRU/ DUR+ YR LIFE"T S T ON YR D1?    #BG
^? ASSETS WON'T 2 SUBJECT 6! C\RT    B#C
PROCESS 7CALL$ 8PROBATE07 ( 4TRIBUT+ AS-
SETS 9 A3ORD.E ) YR W OR 9 A3ORD.E )
/ATE LAW1 CALL$ 89TE/ACY10 IF Y DIE )\T
A W4

                  ,KEY
7777777777777777777777777777777777777777
  ,:ILE ! /EPS >E ! SAME EV5 IF Y H A
*RONIC 41SE1 "! >E IMPORTANT DI6];ES T Y
NE$ 6A4RESS 2C (! DI6ICULTIES CR1T$ 0YR
ILL;S4 ,:AT"E ! *RONIC ILL;S Y >E LIV+ )
7& _M J CD N 2 M5;N$ 9 DETAIL 9 ? BOOK71
! 4CUS.NS "?\T ! RE/ ( ? BOOK W PROVIDE
Y )! PLANN+ ID1S & TOOLS 6A4RESS YR
NE$S4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
--------------------------------------#D
    ,RECONSID]+ ! #G ,E/ATE ,PLANN+
         ,/EPS 6,PROTECT ,"S"O
           )A ,*RONIC ,ILL;S

,IF Y LIVE )A *RONIC 41SE OR 4ABIL;Y1 Y
M/ / TAKE ! SAME SEV5 KEY /EPS 6PROTECT
YRF & YR ASSETS4 ,B "! >E            #BH
IMPORTANT DI6];ES Y NE$ 6A4RESS      A#D
DUE 6YR M$ICAL 3DI;N4

       ,! ,F/ ,/EP3 ,-E 6T]MS )!
    EMO;NAL R1LITIES ( YR H1L? /ATUS

,YR -=T LEVEL 9 D1L+ )! "PICUL> ISSUES T
3FRONT YR H1L?1 FUTURE1 & 5D-(-LIFE DE-
CI.NS IS VITAL4 ,YR FEEL+S W V>Y TREM5-
D\SLY1 BAS$ ON YR P]SONAL 4POSI;N1 ON !
NATURE ( YR DIAGNOSIS1 ! PROGRESS ( YR
ILL;S1 & H[ REC5TLY Y 7 DIAGNOS$4 ,IF Y
7 REC5TLY DIAGNOS$ )A *RONIC ILL;S1 Y
MAY N 2 =?COM+ AB ! R1LITIES ( YR SITU,N
&! NE$ 6PLAN4 ,^! HURDLES H 6BE A4RESS$
6MOVE =W>D4 ,:5 SELECT+ PROFES.NALS 6"W
)1 2 SURE !Y >E "U/&+ & S5SITIVE 6YR
NE$S OR ! PROCESS MAY N"E GET \ (! />T+
BLOCKS4

    ,EXAMPLE3 ,ALZHEIM]'S ,41SE
,ASSUME Y 7 REC5TLY DIAGNOS$ ) ,ALZHEI-
M]'S 41SE 7,,AD74 ,! FOLL[+ IS A SUMM>Y
( "S (! KEY FACTS Y FACE & H[ !Y IMPACT
PLANN+4 ,:ILE EA* *RONIC ILL;S HAS   #BI
XS [N -PLEX ( SYMPTOMS1 & EA* PA-    B#D
TI5T HAS 8 OR H] [N NU.ES1 ! FOLL[+ PRO-
VIDES A G5]AL GUIDEL9E Z 6! APPROA* Y %D
3SID]3

,! AV]AGE AGE =! ONSET ( ,,AD SYMPTOMS
  IS AB #GC4 ,GIV5 ! LATE AGE (A TYPICAL
  DIAGNOSIS1 Y %D A7RESSIVELY & QKLY AD-
  DRESS PLANN+4
,! 9CID;E & RISK ( ,,AD 7& O!R DE;TIAS7
  9CR1SE ) AGE4 ,HAV+ AN ANNUAL REVIEW
  MEET+ ) ALL YR ADVIS]S IS VITAL 6YR
  PROTEC;N4 ,! CO/ ( ? C 2 3TROLL$ 0C>E-
  ;LLY SELECT+ ADVIS]S1 US+ 3F];E CALLS1
  & O!R CO/-SAV+ M1SURES4
,UNLIKE "S *RONIC ILL;SES1 ,,AD IS N ]-
  RATIC4 ,,AD M1NS A /1DY DECL9E4 ,:ILE
  ! RATE ( DECL9E V>IES1 3T9U$ LOSS (
  MEMORY & FUNC;N IS C]TA94 ,?US1 9 CON-
  TRA/ 6MULTIPLE SCL]OSIS1 ": Y MI<T H
  AN ATTACK 7EXAC]B,N7 T REMITS1 YR ,,AD
  SYMPTOMS
--------------------------------------#E
  PROGRESS D[NW>D4 ,AG1 PU% 6GET PLANN+
  D"O Z QKLY Z F1SI# AF A            #CJ
  DIAGNOSIS ( ,,AD6                  A#E
,"! IS NO TURN+ BACK4 ,,AD1 L O!R 41SES1
  S* Z ,,ALS & ,HUNT+TON'S1 IS IRREV]SI-
  #4 ,IF MEMORY LOSS IS ATTRIBUTA# 6O!R
  PHYSICAL 3DI;NS1 S* Z VASCUL> DE;TIA
  OR A /ROKE1 M$IC,N & C>E MAY REV]SE !
  IMPACT OR PREV5T FUR!R DET]IOR,N4 ,N )
  ,,AD4 ,CURR5T DRUG !RAPIES MAY SL[ !
  WORS5+ ( SYMPTOMS SIX 6TWELVE MON?S1 B
  PROVIDE NO CURE4 ,PLANN+ M/ 2 A4RESS$
  :ILE X / C BE4 ,YR E/ATE PLANN] M/ "U-
  /& ! "T 3/RA9TS4
,! H>% R1L;Y IS T ! NUMB] ( YE>S DUR+ :
  Y W 2 -PET5T >E LIMIT$ & D1? MAY 9
  FACT 2 IMM95T & %D 2 PLANN$ =4 ,YR IN-
  VE/;T & E/ATE PLANS %D REFLECT ?4 ,SEE
  ,*APT] #D4
,! DUR,N ( ,,AD REQUIRES T PLANN+ A4RESS
  C>E1 LIV+ A3OMMOD,NS1 & F9ANC+ ^! NE$S
  =A POT5TI,Y L;G P]IOD4 ,! AV]AGE L5G?
  (A /AY 9 A NURS+ HOME IS AB #B.E YE>S4
  ,IF Y H ,,AD & *OOSE 6/AY AT HOME1 !
  CO/ ( IN-HOME C>E C 2 A/RONOMICAL4 ,=
  W1L?I] P LIV+ ) ,,AD ^! CO/S WD 2 LESS
  (A 3C]N1 ESPECI,Y IF L;G-T]M C>E   #CA
  9SUR.E _H BE5 PUR*AS$ 6COV] "S     B#E
  POR;N ( !M4 ,REVIEW YR F9ANCIAL SITU,N
  ) YR PLANN] Z "P ( IMPLE;T+ YR E/ATE
  PLAN4
,ASSUMP;NS >E ALW DANG]\S &! SPECIFICS (
  YR P]SONAL SITU,N M/ 2 A4RESS$4 ,AP-
  PROXIMATELY #BJJ1JJJ ( ,AM]ICANS H :AT
  IS REF]R$ 6Z "Y]-ONSET ,,AD4 ,E/ATE
  PLANN]S MAY N 2 FAMILI> ) ?1 ASSUM+
  ,,AD ONLY E6ECTS ^? ( M* OLD] AGE4
  ,Y'LL NE$ 69=M YR ADVIS]S S !Y TAKE !
  APPROPRIATE /EPS4

    ,/EP #A3 ,ORGANIZE EM]G5CY 9=M,N
,ORGANIZ+ EM]G5CY 9=M,N IS ESS5TIAL =
"EY"O4 ,H["E 2C "S *RONIC ILL;SES C H
COGNITIVE SYMPTOMS1 ORGANIZ,N IS N[ EV5
M IMPORTANT6 ,X 2COMES N ONLY A USE;L
TOOL = ^? :O MAY HELP Y 9 A FUTURE EM]-
G5CY1 B X 2COMES A TOOL T Y C USE 6MA9-
TA9 3TROL =A L;G] P]IOD OV] YR LEGAL1
TAX1 & F9ANCIAL MATT]S1 9 SPITE ( "S (!
41SE-RELAT$ DI6ICULTIES Y FACE4 ,?US1
ORGANIZ+ 9=M,N _C 2 A /ATIC PROCESS OR
O3A.NAL EV5T4 ,_M E/ATE & F9ANCIAL   #CB
PLANN+ BOOKS GIVE R1D]S PRACTICAL    C#E
=MS 6ORGANIZE
--------------------------------------#F
LI/S ( _! F9ANCIAL A3.TS4 ,= ^? /RU7L+ )
A *RONIC ILL;S1 T TYPE ( LI/ ISN'T 5\<4
,Y NE$ TE*NIQUES 6ORGANIZE YR F9ANCIAL
RECORDS :ILE Y 3T9UE 6USE !M1 Z WELL Z
6PROVIDE !M 6FAMILY & LOV$ "OS 9 A FU-
TURE EM]G5CY4 7,SEE ,*APT] #C47

    ,/EP #B3 ,DESIGNATE A P]SON 6H&LE
    F9ANCIAL & LEGAL ISSUES
,IF Y _C GET 6! BANK 6TAKE C>E ( DEPOS-
ITS OR BILLS1 H[ W ^! IMPORTANT ISSUES 2
T5D$ TO8 ,IF YR SP\SE1 "PN]1 OR O!R C>E-
TAK] HELPS Y ) ^! TASKS1 :AT IS YR 3T9-
G5CY PLAN IF !Y C NO L;G] HELP8 ,IF Y H
A *RONIC ILL;S1 S* Z ,P>K9SON'S 41SE1 Y
MI<T NE$ HELP =A DECADE OR M* L;G]4
,:ILE A H1L?Y P]SON YR AGE MI<T "N "O
P]SON &A SU3ESSOR 6MANAGE ASSETS DUR+ "S
UNANTICIPAT$ FUTURE 4ABIL;Y1 Y MI<T 2
BETT] S]V$ NAM+ ?REE OR M ALT]NATES 6AS-
SURE PROTEC;N OV] A POT5TI,Y L;G 41SE
C\RSE4                               #CC
  ,:ILE "EY"O NE$S A P[] ( ATTOR-    A#F
NEY1 Y NE$ M SPECIFIC 3T+5CY PLANN+4 ,Y
M/ 2 C]TA9 T YR P[] ( ATTORNEY IS 8DURA-
#10 : M1NS T 4ABIL;Y WON'T PREV5T X F 2+
VALID4 ,_M P[] ( ATTORNEY =MS ONLY 2COME
E6ECTIVE IF Y 2COME 4A#D4 ,B ) C]TA9
*RONIC 41SES1 Y MAY SU6] AN EXAC]B,N &
NE$ HELP .N[1 B 2 A# 6MANAGE YR A6AIRS
AG 9 ! FUTURE4 ,OR ) C]TA9 O!R PROGRES-
SIVE *RONIC 41SES1 S* Z ,,ALS1 YR AG5T
MAY H M ADV.E NOTICE 6PREP>E 2F TAK+
3TROL ( YR F9.ES4 ,! AG5T Y SELECT1 DE-
P5D+ ON YR ILL;S1 MAY 2 REQUIR$ 6TAKE
OV] SPORADIC,Y & FREQU5TLY OV] A P]IOD (
"T1 OR MAY N 2 REQUIR$ = S"EAL YE>S B W
EV5TU,Y 2 FULL "T4 ,X IS IMPORTANT 6H ?
9 M9D :5 SELECT+ AN AG5T4 ,Y MAY AL RE-
QUIRE "S O!R PROVI.NS TAILOR$ 6! EXP]I;E
( YR *RONIC ILL;S4 ,TYPICAL P[] ( ATTOR-
NEY =MS N ONLY DON'T A4RESS ?1 & MI<T
EV5 9CLUDE PROVI.NS T MAKE X DI6ICULT TO
A4RESS YR CIRCUM/.ES4 ,*APT] #E 4CUSSES
^! ISSUES & SPECIAL MODIFIC,NS Y NE$ =
YR P[] ( ATTORNEY4 ,9 A4I;N 6SIGN+ A GD
P[] ( ATTORNEY T IS TAILOR$ 6YR      #CD
SITU,N1 Y NE$ 6TAKE "S PRACTICAL     B#F
/EPS 6SIMPLIFY & ORGANIZE YR F9.ES4
  ,"! >E A4I;NAL SIMPLE /EPS Y C TAKE TO
HELP YRF & ^? Y W RELY ON1 6A4RESS ! _M
SC5>IOS YR ILL;S MAY TAKE4 ,"O SIMPLE
/EP CD 9CLUDE HAV+ YR AG5T OR C>ETAK]
RCV DUPLICATE
--------------------------------------#G
COPIES ( YR MON?LY BANK OR BROK]AGE
/ATE;T4 ,? W HELP !M MONITOR YR A3.T AT
NO CO/ &) LL EF=T4 ,IF Y MAKE A GL>+
MISTAKE1 OR /OP PAY+ CRITICAL BILLS 2C (
AN EXAC]B,N1 ? SIMPLE /EP MI<T AL]T !M
6! SITU,N4 ,Y MI<T EV5 OPT 6H ! DUPLI-
CATE /ATE;T S5T 6"S"O O!R ?AN ! AG5T Y
"ND 9 YR P[] ( ATTORNEY1 S T Y H "S
*ECKS & BAL.ES ON ANY"O POT5TI,Y ABUS+
YR M"OY4 ,^!1 & SIMIL> NU.ES 9 ! DOCU;TS
& PLANN+1 C MAKE A SIGNIFICANT DI6];E 9
PROTECT+ Y & GIV+ Y P1CE ( M9D4

    ,/EP #C3 ,DESIGNATE A P]SON 6MAKE
    H1L? C>E DECI.NS & A3ESS M$ICAL REC-
    ORDS
,L ANY"O ELSE1 Y NE$ A H1L? C>E      #CE
PROXY DOCU;T APPO9T+ AN AG5T 6MAKE   A#G
H1L? C>E DECI.NS = Y4 ,H["E1 MO/ P SE-
LECT FAMILY MEMB]S OR CLOSE FRS 6MAKE ^!
DECI.NS1 )\T GIV+ M* ?"\ 6X4 ,IF ! IMM
FAMILY MEMB] OR CLOSE FR Y SELECT 6BE YR
H1L? C>E AG5T DOESN'T "U/& ! IMPLIC,NS (
YR 41SE1 H[ C !Y RE,Y MAKE DECI.NS ! WAY
Y WD WANT8 ,! NE$ 6-MUNICATE ) YR AG5TS
IS VITAL4 ,IF YR AG5TS WON'T TAKE ! "T
6"U/& ! IMPLIC,NS ( YR ILL;S1 Y MAY NE$
6?9K AB DESIGNAT+ DI6]5T P4

    ,/EP #D3 ,-MUNICATE YR H1L? C>E WI%-
    ES
,"EY"O %D PREP>E A LIV+ W SPECIFY+ _!
H1L? C>E & 5D ( LIFE DECI.NS4 ,TOO _M P1
H["E1 SIMPLY SIGN %ORT /&>D =MS T 9CLUDE
R G5]IC LANGUAGE /AT+ T !Y DON'T WANT
8H]OIC M1SURES0 IF !Y >E T]M9,Y ILL4 ,^!
SIMPLI/IC =MS W N SU6ICE = Y4 ,"! >E _M
DECI.NS T Y NE$ 6-MUNICATE T HOPE;LLY H
NO?+ 6D ) DY+4 ,YR C>E :ILE Y >E ALIVE1
& ESPECI,Y IF YR 3DI;N DET]IORATES1 IS
IMPORTANT 6A4RESS4 ,3SID] DONAT+ TISSUE
OR ORGANS = RESE>* 6HELP O!R'S       #CF
SU6]+ F ! ILL;S T A6LICT$ Y4 ,DE-    B#G
CI.NS Z 6EXP]I;TAL OR UNPROV5 M$ICAL
TR1T;T T MAY ALLAY SYMPTOMS %D 2 AD-
DRESS$1 & M* M4 ,Y RE,Y NE$ A LIV+ W T
IS TAILOR$ 6YR "PICUL> SITU,N & T AD-
DRESSES ALL YR POT5TIAL DECI.NS4
--------------------------------------#H
    ,/EP #E3 ,PROTECT YR M9OR * ) AN
    EM]G5CY * M$ICAL =M
,:ILE ALL P>5TS %D -PLETE AN EM]G5CY *
M$ICAL =M 6PROTECT _! * IF !Y >E AWAY ON
VAC,N1 Y MAY NE$ ! =M 6PROTECT YR * 9 !
EV5T T Y >E HOME B UNA# 6PHYSIC,Y TAKE
YR * 6! HOSPITAL OR DOCTOR'S (FICE4 ,!
LANGUAGE & ^W+ (! =M NE$S 6BE TAILOR$ TO
A4RESS ? SITU,N4 ,X IS IMPORTANT 6NOTE T
IF YR 3DI;N HAS DET]IORAT$1 OR MI<T SOON
DET]IORATE1 6! PO9T ": "! IS A GD POSSI-
BIL;Y T A FR OR FAMILY MEMB] W H 6HELP
IF YR * HAS A M$ICAL EM]G5CY1 Y %D PRO-
VIDE AN ORIG9AL SIGN$ =M 6YR P$IATRICIAN
9 ADV.E1 9 ORD] 6BE C]TA9 T !Y "U/& X1 &
T !Y W HELP 3V9CE ! HOSPITALS ": !Y >E
ADMITT$ 6A3EPT X4
                                     #CG
    ,/EP #F3 ,SIGN A W               A#H
,Y NE$ A W1 J L ANY"O NE$S A W4 ,Y MI<T
WI% 69CLUDE A *>ITA# 2QUE/ 7GIFT7 6AN
ORGANIZ,N T HELP$ Y OR A "PICUL> RESE>*
FACIL;Y4 ,EV5 IF YR RES\RCES >5'T L>GE1
A 2QUE/ IS A GRT WAY 6?ANK & AC"KL$GE
GR\PS T HELP$ Y4 ,NOTIFY+ ! *>;Y TD W
HELP !M 6COLLECT ! GIFT & 5H.E _! RECORD
( DONORS1 "!BY 5C\RAG+ M DON,NS4 ,IF YR
"PN] OR SP\SE WRITES A W1 !Y %D 3SID]
2QU1?+ ASSETS 6Y 9 A TRU/ 6PROVIDE = _!
MANAGE;T &1 POSSIBLY1 A SPECIAL TYPE (
TRU/ T PRES]VES ^? ASSETS F 2+ R1*$ BY
NURS+ HOMES OR O!RS 7A SPECIAL NE$S
TRU/74 ,MO/ G5]AL E/ATE PLANN+ BOOKS
DON'T T\* ON ? VITAL ISSUE 7B DEVOTE
LOTS ( "T 6TRU/S 6SAVE TAXES1 : MAY N
APPLY 6Y74 ,YR W1 & T ( YR "PN] OR SP\SE
M/ FOCUS ON PROTECT+ Y 9 LI<T (! ISSUES
T YR ILL;S HAS OR MAY CR1TE 9 ! FUTURE
7SEE ,*APT] #I74

    ,/EP #G3 ,CR1TE & ,FUND A REVOCA#
    LIV+ TRU/
,EV5 ?\< X IS N A /EP MO/ P ?9K (1   #CH
CR1T+ A REVOCA# LIV+ TRU/ MAY 2 !    B#H
ID1L E/ATE PLANN+ DOCU;T = Y4 ,? TRU/ CD
PROVIDE ! EASIE/ & BE/ WAY 6ALL[ "S"O TO
C>E = Y & MANAGE YR ASSETS -PLETELY :5
YR 41SE R5D]S Y UNA#4 ,PROP]LY US$1 X C
HELP KEEP Y /AY 9 3TROL ( YR F9ANCIAL &
LEGAL DECI.NS L;G]4 ,SEE ,*APT] #AJ4
--------------------------------------#I
                 ,CAU;N

  ,! LEGAL & O!R ISSUES1 ESPECI,Y ! SAM-
PLE DOCU;TS & PROVI.NS PRES5T$ 9 ? BOOK1
& ^? PROVID$ FREE ( *>GE ON
_+WWW.LAWEASY.COM_:1 >E -PLEX ISSUES &
LEGAL DOCU;TS T REQUIRE ! 9PUT1 GUID.E1
& ASSI/.E (A SKILL$ E/ATE PLANN+ ATTOR-
NEY :O IS EXP]I;ED & LIC5S$ 9 ! /ATE 9 :
Y LIVE4 ,! R1L;Y IS T _M ATTORNEYS H
LIMIT$ EXP]I;E D1L+ ) ISSUES ( *RONIC
ILL;S1 S HOPE;LLY YR REVIEW (! ID1S &
SAMPLE PROVI.NS & LEGAL DOCU;TS 9 ? BOOK
W HELP GUIDE !M4 ,! UN=TUNATE PRACTICAL
R1L;Y IS T AL? E R1D] ( ? BOOK RE,Y %D
USE AN ATTORNEY 6-PLETE ^! IMPORTANT LE-
GAL DOCU;TS1 X W J N HAPP54 ,!       #CI
ID1L SOLU;N = ^? :O _C AF=D LEGAL    A#I
HELP IS 63V9CE AN ORGANIZ,N S]V+ ^? ) YR
*RONIC ILL;S 6GET 9VOLV$ & ORGANIZE AN
8E/ATE PLANN+ "D0 ) VOLUNTE] ATTORNEYS
6HELP4 ,Y %D ONLY PREP>E ^! DOCU;TS ON
YR [N Z A LA/ RESORT4

                  ,KEY
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
  ,E ASPECT ( YR PLANN+--F9ANCIAL1 ES-
TATE1 DOCU;TS1 9SUR.E1 ETC4--M/ 2 TAI-
LOR$ 6A4RESS ! IMPLIC,NS ( YR ILL;S4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

             ,*APT] ,SUMM>Y
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
  ,? *APT] HAS PROVID$ AN OV]VIEW (! EN-
TIRE E/ATE PLANN+ PROCESS 0EXPLA9+ !
SEV5 KEY /EPS Y M/ TAKE 6PROTECT YRF4
,IMPORTANTLY1 S9CE E ASPECT ( PLANN+
*ANGES :5 Y >E LIV+ ) *RONIC ILL;S1 EA*
(! SEV5 /EPS HAS BE5 EXPLA9$ 9 A MANN] T
APPLIES 6Y4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
                                     #DJ
               ,,*APT] #B         #AJ-AA

             ,*RONIC ,ILL;S
         ,E/ATE ,PLANN+ ,BASICS

    ,E/ATE ,PLANN+ & ,*RONIC ,ILL;S

,IF Y OR A LOV$ "O HAS A *RONIC ILL;S1
E/ATE PLANN+ TAKES ON GRT] IMPORT.E &
REQUIRES MODIFIC,NS F :AT IS TYPIC,Y D"O
= ^? :O DON'T H A *RONIC ILL;S4 ,TOO (T5
E/ATE PLANN+ IS VIEW$ Z M]ELY SIGN+
8/&>D10 OR :AT LAWY]S A6EC;NATELY CALL
8BOIL]PLATE10 =MS4 ,:ILE ? IS DANG]\S =
EV5 ! AV]AGE P]SON1 X C 2 CATA/ROPHIC =
^? ) *RONIC ILL;S & _! LOV$ "OS4 8,/&>D0
=MS J WON'T "W = Y4 ,6HELP Y 9 ? PROC-
ESS1 ? BOOK W GUIDE Y "? ! /EPS Y & YR
LOV$ "OS %D EVALUATE4 ,:ILE ! NU.ES ( E
*RONIC ILL;S >E N A4RESS$1 5 MODIFIC,NS
& OP;NS 6G5]AL PLANN+ >E PRES5T$ S T Y C
ADAPT ! /EPS APPROPRIATE = Y4 ,J L ^?
RACY C> -M]CIALS T CAU;N N 6TRY X AT
HOME1 Y'LL NE$ PROFES.NAL HELP Z WELL4
,? BOOK W GUIDE Y ON H[ 6D1L ) AN    #DA
ATTORNEY & E/ATE PLANN]4            A#AA

                  ,KEY
7777777777777777777777777777777777777777
  ,Y NE$ 6BE PROACTIVE4 ,DON'T ASSUME T
YR ADVIS]S 7ATTORNEY1 A3.TANT1 F9ANCIAL
PLANN]1 ETC47 "U/& ! NU.ES ( YR ILL;S OR
H[ PLANN+ & DOCU;TS NE$ 6BE MODIFI$ = Y4
,Y H 69=M !M4 ,IF Y'RE UNCOM=TA# 4CUSS+
YR ILL;S & XS POT5TIAL 3SEQU;ES1 BE> 9
M9D T IF Y DON'T MAKE SURE ! P ADVIS+ Y
RE,Y "U/&1 Y WON'T H ! PROTEC;NS Y OR YR
LOV$ "OS NE$4 ,H["E DI6ICULT1 Y'LL B5E-
FIT 02+ =?"R1 CLE>1 & V SPECIFIC4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
-------------------------------------#AB
         ,*RONIC ,ILL;S ,A6ECTS
             ,E/ATE ,PLANN+

,EV5 ?\< Y H A *RONIC ILL;S1 ! SAME ES-
TATE PLANN+ DOCU;TS & PLANN+ TE*NIQUES
US$ = "S"O )\T A *RONIC ILL;S1 ( -P>A#
F9ANCIAL & O!R CIRCUM/.ES1 W 2 US$4 ,T
2+ SD1 H["E1 E DOCU;T & E ASPECT ( PLAN-
N+ %D 2 TAILOR$ 6A4RESS ! POT5TIAL   #DB
IMPACT ( YR *RONIC ILL;S4 ,! NA-    A#AB
TURE & MAGNITUDE (! *ANGES T >E NEC W
DEP5D ON ! *RONIC 3DI;N T Y H1 H[ T ILL-
;S SPECIFIC,Y IMPACTS Y1 ! POSSI# RANGE
( OP;NS YR 41SE MI<T TAKE1 YR ASSETS1
FAMILY1 & O!R P]SONAL CIRCUM/.ES4 ,IF Y
H ,P>K9SON'S ! PLANN+ MAY DI6] F :AT WD
2 D"O IF Y H MULTIPLE SCL]OSIS 7,,MS71
SICKLE-CELL ANEMIA1 OR ,ALZHEIM]'S4
,PLANN+ W 2 A6ECT$ 0! C\RSE T YR "PICUL>
41SE TAKES4 ,6BE/ TAILOR A PLAN & DOCU-
;TS 6MEET YR NE$S1 ! NATURE (! SPECIFIC
41SE T Y'RE LIV+ ) NE$S 6BE A4RESS$4
,HELP+ Y D J T IS A KEY GOAL ( ? BOOK4

                  ,KEY
7777777777777777777777777777777777777777
  ,YR EXP]I;E ) *RONIC 41SE IS UNIQUE TO
Y4 ,?US1 :ILE E/ATE PLANN+ %D 3SID] !
POT5TIAL IMPACT ( YR "PICUL> ILL;S1 X %D
2 TAILOR$ 6A4RESS YR P]SONAL EXP]I;E &!
LIKELY TRAJECTORY T YR ILL;S W TAKE4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

                                     #DC
    ,EXAMPLE3 ,MULTIPLE ,SCL]OSIS   B#AB
,6ILLU/RATE PLANN+ MODIFIC,NS1 ASSUME T
Y 7 REC5TLY DIAGNOS$ ) ,,MS4 ,! *ANGES
6! DOCU;T,N & PLANN+ W 2 BAS$ ON AN "U-
/&+ ( :AT ,,MS IS1 H[ X A6ECTS Y N[1 &
H[ X W LIKELY A6ECT Y 9 ! FUTURE4 ,,MS
IS A NEUROLOGICAL 4ORD] (! C5TRAL N]V\S
SY/EM4 ,,MS IS "*IZ$ 0AN 9FLAMMATORY
PROCESS T RESULTS 9 ! DE/RUC;N (! MYEL9
%1?S T SURR.D & 9SULATE AXONS 7N]VE FI-
B]S71 & CAUSES DAMAGE 6^? AXONS4 ,^! LE-
.NS >E TYPIC,Y DETECT$ 9 AN ,,MRI Z
PLAQUES4 ,9 PROGRESSIVE =MS ( ,,MS1 !
CELLS T CR1TE NEW MYEL91 CALL$ OLIGOD5-
DROCYTES1 >E AL DE/ROY$4 ,? PRECLUDES
REPAIR ( DE/ROY$ MYEL9 7REMYEL9,N7 MAK+
IMPROVE;T 9 YR 3DI;N UNLIKELY ABS5T NEW
M$ICAL 4COV]IES4 ,ID5TIFY+ ! TYPE ( ,,MS
Y H1 &! 41SE C\RSE ( T CATEGORY1 & !N
-------------------------------------#AC
EXPLA9+ X 9 "U/&A# ,5GLI% 6YR E/ATE
PLANN]S IS ESS5TIAL S9CE PLANN+ W DI6]4

.,2NIGN3 ,IF Y H A 2NIGN =M ( ,,MS1 "!
  IS LIKELY 6BE LIMIT$ IMPACT ON     #DD
  PLANN+1 B MODIFIC,NS %D O3UR IF   A#AC
  ! ,,MS WORS5S4 ,IF A NEGATIVE *ANGE 9
  ! PROGNOSIS O3URS1 M SUB/ANTIAL PLANN+
  MODIFIC,NS1 Z 4CUSS$ 2L1 %D 2 A4RESS$4
  ,_M NEUROLOGI/S "Q ! EXI/;E (A 2NIGN
  =M ( ,,MS4 ,?US1 ANY"O )A DIAGNOSIS (
  ,,MS MI<T 2 BE/ S]V$ 0TAK+ M =MAL /EPS
  6A4RESS X 9 _! PLANN+4
.,RELAPS+_/,REMITT+3 ,IF Y H A =M ( RE-
  LAPS+ ,,MS1 ! 41SE IS "*IZ$ 0ACUTE AT-
  TACKS 7EXAC]B,NS7 FOLL[$ 0REMIS.NS4
  ,AN ATTACK C LA/ =A %ORT DUR,N OR RE-
  MA9 = "DS OR EV5 S"EAL WEEKS4 ,X MI<T
  2 "*IZ$ 0SYMPTOMS SIMIL> 6A /ROKE IN-
  VOLV+ SEV]E VISUAL1 MOTOR & S5SORY
  PRO#MS4 ,EI<TY-FIVE P]C5T ( ^? ) ,,MS
  2G9 ) ? SUBTYPE4 ,! O3URR;E ( EXAC]BA-
  ;NS DI6]5TIATES PLANN+ = CLI5TS ) ,,MS
  F PLANN+ = CLI5TS ) O!R *RONIC ILL;S-
  ES1 S* Z ,ALZHEIM]'S & ,P>K9SON'S4
  ,MON?S OR YE>S C PASS 2T ATTACKS4
  ,FOLL[+ AN ATTACK1 Y MAY RECOV] F MO/
  OR ALL (! 4ABILITIES SU6]$ DUR+ ! AT-
  TACK4 ,ONLY #AJ P]C5T ( ^? ) ,,MS W
  GA9 ALL FUNC;N BACK :5 AN ATTACK   #DE
  SUBSIDES4 ,? ALL NE$S 6BE AD-     B#AC
  DRESS$ 9 ! PLANN+ PROCESS4 ,Y MAY
  *OOSE 6USE A LIMIT$ OR SPECIAL P[] (
  ATTORNEY 65A# "S"O 6H&LE R\T9E F9AN-
  CIAL MATT]S DUR+ ^! P]IODS1 B N 6MAKE
  MAJOR F9ANCIAL DECI.NS T Y W 2 A# 6D1L
  ) 9 %ORT ORD] 7,*APT] #E74 ,Y MAY
  *OOSE 6RELY ON A ,,HIPAA REL1SE 7,*AP-
  T] #F7 R ?AN ABROGAT+ M$ICAL DECI.N
  MAK+ DUR+ ^! P]IODS 6AN AG5T "U A H1L?
  C>E PROXY 7,*APT] #G74
.,SECOND>Y .,PROGRESSIVE3 ,9 SECOND>Y
  PROGRESSIVE1 PRIM>Y PROGRESSIVE1 OR
  PROGRESSIVE RELAPS+ ,,MS1 ! 41SE WORS-
  5S PROGRESSIVELY OV] "T4 ,? SUBTYPE (
  ,,MS IS MO/ SIMIL> 6,,ALS1 9 : SPEE* &
  MOTOR ABILITIES 2COME PROGRESSIVELY
  WORSE OV] "T4 ,? PROGNOSIS MAY REQUIRE
  M SIGNIFICANT PLANN+ = 4ABIL;Y4 ,UN=-
  TUNATELY1 AB #EJ P]C5T ( ^? T 2G9 )
  RELAPS+-REMITT+ ,,MS 7ABV7 ADV.E TO
  SECOND>Y-PROGRESSIVE )9 T5 YE>S ( _!
  9ITIAL DIAGNOSIS4 ,) SECOND>Y-
  PROGRESSIVE ,,MS FULL RECOV]Y DOES N
  O3UR AF AN ATTACK4 ,! 41SE         #DF
  PROGRES.N APPE>S /EPLIKE4 ,AN     C#AC
  ATTACK IS FOLL[$ 0"PIAL OR EV5 NO RE-
  COV]Y4 ,! NEXT ATTACK IS AG FOLL[$ BY
  ONLY
-------------------------------------#AD
  "PIAL OR NO RECOV]Y4 ,EA* ATTACK BR+S
  A HI<] DEGREE ( NEUROLOGICAL IMPAIR;T4
.,PROGRESSIVE .,RELAPS+3 ,9 A SMALL NUM-
  B] ( ,,MS PATI5TS1 ! 41SE IS "*IZ$ BY
  3T9U$ PROGRES.N1 EV5 2T ATTACKS4 ,?
  3TRA/S UNFAVORABLY 6RELAPS+-REMITT+
  ,,MS1 9 : P T5D 6REMA9 /A# 2T ATTACKS4
.,PRIM>Y .,PROGRESSIVE3 ,9 AB #AJ P]C5T
  ( ,,MS PATI5TS1 ! 41SE WORS5S PROGRES-
  SIVELY1 )\T ! 4T9CT EXAC]B,NS T A3OM-
  PANY O!R =MS ( ,,MS4 ,PLANN+ = ? TYPE
  ( ,,MS IS ?US M AK9 6CLI5TS ) ,P>K9-
  SON'S OR ,ALZHEIM]'S ?AN 6PLANN+ =!
  MAJOR;Y ( ^? ) ,,MS4

  ,9 A4I;N 6^! M SIGNIFICANT IMPLIC,NS1
,,MS C RESULT 9 EXTREME FATIGUE1 COGNI-
TIVE DYSFUNC;N ( V>Y+ DEGREES1 & PHYSI-
CAL IMPAIR;T4 7,N ALL *RONIC ILL;SES L1D
6BO? PHYSICAL & COGNITIVE            #DG
DYSFUNC;N4 ,= EXAMPLE1 ,,AD IS      A#AD
PRIM>ILY COGNITIVE1 :ILE ,,ALS HAS NO
COGNITIVE E6ECTS AT ALL47 ,! C\RSE (
,,MS 7L S"EAL O!R *RONIC ILL;SES7 IS UN-
PREDICTA#2 ! E6ECTS RANGE F MILD 6DEVAS-
TAT+4 ,S* A DIAGNOSIS A6ECTS E ASPECT (
YR E/ATE & F9ANCIAL PLANN+4 ,"S (! MODI-
FIC,NS >E M9OR1 "S SIGNIFICANT4 ,B 9 ALL
EV5TS1 "S SPECIAL PLANN+ /EPS %D 2 IM-
PLE;T$ IMMLY4 ,O!R PLANN+ MODIFIC,NS C 2
VIEW$ Z M L;G-T]M GOALS4

      ,CAU;N 6,PROFES.NAL ,ADVIS]S

,MISCONCEP;NS AB *RONIC ILL;S >E -MON1 &
V DANG]\S 6^? LIV+ ) *RONIC ILL;S & _!
LOV$ "OS4 ,DON'T ASSUME T YR ADVIS]S "U-
/&4 ,MAKE A PO9T ( EXPLA9+ & $UCAT+4 ,"S
MAJOR MISCONCEP;NS 9CLUDE3

..,*RONIC ILL;S IS .UNCOMMON4 ,! R1L;Y
  IS T _M MILLIONS ( P >E A6ECT$4 ,X IS
  N R>E OR UNUSUAL 4
..,PLANN+ IS ! .SAME4 ,FALSE4 ,H5RY ,=D
  JOK$ T Y CD H ! ,MODEL ;,T 9 ANY   #DH
  COLOR--Z L;G Z X 0 BLACK4         B#AD
  ,DON'T LET A PLANN] 3V9CE Y (! SAME
  *OICE4 ,"! >E TREM5D\S V>I,NS & NU.ES4
  ,DON'T LET YR PLANN] MAKE ASSUMP;NS4
  ,9=M !M ( YR CURR5T SITU,N &! LIKELY
  FUTURE 3SEQU;ES4
-------------------------------------#AE
..,9VE/ %ORT T]M & USE SPECIAL NE$S
  .TRU/S4 ,^! D N HOLD TRUE = "EY"O )A
  *RONIC 41SE OR 4ABIL;Y4 ,9VE/IGATE ALL
  OP;NS4

    ,EXAMPLE3 ,ALZHEIM]'S ,41SE
,ALZHEIM]'S 41SE 7,,AD7 A6ECTS E ASPECT
( YR LIFE4 ,DE;TIA IS A C]TA9TY & LIFE
L;GEV;Y IS REDUC$4 ,,AD IS SURPRIS+LY
-MON S XS PLANN+ IMPLIC,NS NE$ 6BE TAK5
S]I\SLY4 ,M ?AN FIVE MILLION P 9 !
,UNIT$ ,/ATES H ,,AD4 ,,AD AL HAS A DRA-
MATIC IMPACT ON ! C>EGIV]S & IMM FAMILY4
,BO? PLANN+ & DOCU;T DRAFT+1 = Y & YR
LOV$ "OS1 M/ 2 MODIFI$4


                                     #DI
    ,*RONIC,Y ILL FAMILY MEMB]      A#AE
    9CAPA# ( SIGN+ DOCU;TS
,IF YR LOV$ "O IS LIV+ )A *RONIC ILL;S &
!Y PUT (F PLANN+ TOO L;G1 !Y MAY NO L;G]
H ! ABIL;Y 6SIGN DOCU;TS OR TAKE 9=M$
PLANN+ /EPS4 ,9 S* SITU,NS1 Y'LL 2 R1D+
? BOOK 9/1D ( !M4 ,_! 9ABIL;Y DOESN'T
M1N ! 9ABIL;Y 6HELP4 ,X J LIMITS ! OP;NS
& DEM&S DI6]5T APPROA*ES4 ,IF1 = EXAM-
PLE1 YR P>5T HAS ,,AD & _! 41SE HAS PRO-
GRESS$ TOO F> = !M 6SIGN A W OR O!R DOC-
U;TS1 PLANN+ M/ TAKE ON A DI6]5T P]SPEC-
TIVE4 ,"S ( ^! /EPS >E SUMM>IZ$ 2L3

,C>E;LLY 3FIRM ! M5TAL /ATUS ( YR LOV$
  "O4 ,X MAY / 2 F1SI# 6SIGN A W EV5 ?\<
  HE OR %E DOES N H SU6ICI5T 3TRACTUAL
  CAPAC;Y 6SIGN A TRU/ OR O!R 3TRACTUAL
  DOCU;T4
,DET]M9E 9 3SULT,N ) YR LOV$ "O'S C>E-
  GIV] & M$ICAL PROVID]S IF HE OR %E HAS
  P]IODS :5 COGNI;N MAY 2 GRT]4 ,= EXAM-
  PLE1 = "S"O ) MOD]ATE ,,AD1 3FU.N IS
  -MON1 & X (T5 WORS5S AT NI<T4 ,X MAY 2
  WOR?:ILE 6EVALUATE -PET5CY E>LY    #EJ
  9 ! "D :5 3FU.N IS LESS PRO-      B#AE
  N\NC$4 ,A CLI5T ) ,HUNT+TON'S 41SE MAY
  H DI6ICULTY 3C5TRAT+1 OR H MOOD SW+S4
  ,_M (! *RONIC ILL;SES TRI7] DEPRES.N4
  ,X MAY 2 POSSI# =A LOV$ "O ) SIGNIFI-
  CANT COGNITIVE ISSUES 6H P]IODS :5 !Y
  >E Q LUCID4 ,IF Y H 6USE ? APPROA*1 2
  C]TA9 6HIRE AN EXP]I;ED E/ATE ATTORNEY
  6MAKE C]TA9 T ALL ! APPROPRIATE LEGAL
  =MALITIES ( SIGN+ A DOCU;T DUR+ A P]I-
  OD ( LUCID;Y >E A4RESS$4
-------------------------------------#AF
,9 ORD] 6ASSI/ YR LOV$ "O1 Y W NE$ A3ESS
  6M$ICAL RECORDS4 ,SC\R EXI/+ LEGAL
  DOCU;TS & 9QUIRE ( 8 OR H] ATT5D+ PHY-
  SICIAN & NEUROLOGI/ :E!R DOCU;TS AU-
  ?ORIZ+ ! REL1SE ( PRIVATE H1L? 9=M,N
  7,,PHI7 7 SIGN$4 ,^! >E NEC 9 MO/ CIR-
  CUM/.ES 6A3ESS A LOV$ "O'S M$ICAL REC-
  ORDS Z A RESULT ( ,,HIPAA LAWS1 : >E
  4CUSS$ 9 ,*APT] #F4
,9V5TORY ALL ASSETS & LIABILITIES4 ,PAY
  "PICUL> ATT5;N 6! EXACT MANN] 9 : [N]-
  %IP IS ^W$ 78TITLE07 & :E!R B5EFICI>Y
  DESIGN,N =MS 79DICAT+ :O 9H]ITS    #EA
  ! ASSET ON D1?7 EXI/ & :O IS      A#AF
  LI/$4
,COORD9ATE E/ATE NE$S )! PATI5T'S F9AN-
  CIAL PLANN]1 9CLUD+ A4RESS+ ! F9ANCIAL
  3TRIBU;N ( V>I\S 9SUR.E POLICIES4 ,X
  MAY 2 POSSI#1 US+ ! TITLE 6C]TA9 AS-
  SETS1 B5EFICI>Y DESIGN,NS1 &! ABIL;Y (
  WELL FAMILY MEMB]S & O!RS LI/$ 6DECL9E
  B5EFIT F ^? ASSETS 7IN LEGAL J>GON3
  84CLAIM0 OR 8REN\NCE071 9 ORD] 6DIRECT
  ^? ASSETS Z DESIR$ EV5 9 ! ABS;E ( YR
  LOV$ "O'S ABIL;Y 6SIGN A NEW W4
,OBTA91 R1D1 & ANALYZE ALL EXI/+ E/ATE
  PLANN+ DOCU;TS ) AN E/ATE ATTORNEY4
  ,DET]M9E :AT OP;NS MAY 2 UTILIZ$ 9 !
  CURR5T SITU,N 6BETT] HELP YR LOV$ "O4
  ,IF "! IS NO VALID W1 EVALUATE ! IM-
  PACT (! /ATE'S 9TE/ACY LAWS ON ! SITU-
  ,N4 ,^! RULES SAY :O %D 9H]IT ASSETS
  :5 "! IS NO W4 ,IF YR LOV$ "O _H SIGN$
  A DURA# P[] ( ATTORNEY 7SEE ,*APT] #E7
  Y MAY WANT ! P]SON "ND 9 T DOCU;T 7!
  8AG5T07 6MODIFY B5EFICI>Y DESIGN,NS &
  TITLE 6ASSETS 6A6ECT ! DESIR$ RESULTS4
,EVALUATE ! M]ITS ( SEEK+ A C\RT     #EB
  APPO9T$ GU>DIAN%IP4 ,= EXAMPLE1   B#AF
  YR LOV$ "O MAY H A SUB/ANTIAL TAXA#
  E/ATE &! ONLY FLEXIBIL;Y "U EXI/+ ES-
  TATE PLANN+ DOCU;TS EXECUT$ PRIOR 6HIS
  OR H] 2COM+ 9COMPET5T >E LIMIT$ 6MAK+
  ANNUAL GIFTS UP 6! ANNUAL GIFT EXCLU.N
  AM.T 74#AC1JJJ T C 2 GIV5 AWAY 6ANY
  NUMB] ( P )\T A GIFT TAX 3SEQU;E "U
  #BJJI LAW74 ,T LIMIT W H>DLY MAKE A
  D5T 9 ! TAXA# E/ATE4 ,3SID] :E!R ! P[-
  ]S P]MIT E/ABLI%+ & 3TRIBUT+ 6A FAMILY
  LIMIT$ "PN]%IP OR O!R 5T;Y T MAY 4C.T
  VALUES 7&! RISKS ( T TYPE ( PLANN+74
  ,EVALUATE ! POT5TIAL =A C\RT 3F]R+ ON
  A GU>DIAN ! "R 6MAKE M EXT5SIVE E/ATE
  PLANN+ /EPS4
-------------------------------------#AG

  ,=! RE/ ( ? BOOK X W G5],Y 2 ASSUM$ T
8Y0 >E ! R1D] &! P]SON LIV+ ) *RONIC
ILL;S1 AL? "S A4I;NAL PLANN+ ID1S = YR
LOV$ "OS W 2 NOT$1 PRIM>ILY 9 ,*APT]
#AB4

                                     #EC
                  ,KEY              A#AG
7777777777777777777777777777777777777777
  ,X IS YR RESPONSIBIL;Y 6D Z ,DR4 ,PHIL
ALW RECOMM5DS3 8,GET R1L0 & LAY ! C>DS
ON ! TA# S YR PLANN]S C HELP Y 9/1D (
RELY+ ON _! PRECONCEIV$ NO;NS ( :AT YR
SITU,N MI<T BE4 ,IF Y >E R1D+ ? BOOK =A
FAMILY MEMB] LIV+ ) *RONIC ILL;S1 ! RE-
AL;Y IS T _M P /RU7LE 6-E 6T]MS ) :AT _!
CURR5T 3DI;N IS & H[ X MAY IMPACT !M 9 !
FUTURE4 ,IF Y RE,Y C>E AB ? P]SON1 Y H
6GUIDE1 5C\RAGE1 & HELP4 ,? IS ESPECI,Y
IMPORTANT IF YR LOV$ "O SU6]S F ILL;S-
RELAT$ DEPRES.N OR APA?Y4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
      ,H[ ,*RONIC ,ILL;SES ,A6ECT
             ,E/ATE ,PLANN+

,"! >E A HO/ ( WAYS YR *RONIC ILL;S
MAKES ! E/ATE PLANN+ PROCESS DI6]5T4

    ,-MUNICATE ) YR ATTORNEY & O!R AD-
    VIS]S
,"H >E "S 4CUS.N PO9TS 6PREP>E = YR ES-
TATE PLANN]3                         #ED
                                    B#AG
,:AT ILL;S D Y H8 ,:AT CATEGORY OR TYPE
  ( T ILL;S D Y H1 & :AT DOES T 4T9C;N
  M1N 6YR CURR5T SITU,N & LIKELY FUTURE
  SITU,NS8 ,EA* CATEGORY MAY H DI6]5T
  PLANN+ IMPLIC,NS4
,IS YR C\RSE (! 41SE MILD1 MOD]ATE OR
  SEV]E8 ,:AT IS YR CURR5T /ATE ( 4ABIL-
  ;Y & H[ RAPIDLY IS X EXPECT$ 6PRO-
  GRESS8 ,^! FACTORS W HELP 9DICATE "T
  FRAMES = PLANN+1 :E!R A TRU/ %D 2 US$1
  ETC4 ,"! >E SIGNIFICANT DI6];ES 2T V>-
  I\S *RONIC ILL;SES4 ,,MS IS N A FATAL
  41SE & PROGRESSES SL[LY = _M P4 ,,ALS1
  9 3TRA/1 USU,Y PROGRESSES RAPIDLY & C
  RESULT 9 D1? F RESPIRATORY FAILURE )9
  ?REE 6FIVE YE>S4 ,"! >E EXCEP;NS1 H[-
  "E4 ,! WELL-"KN PHYSICI/ ,/EPH5 ,HAW-
  K+1 = EXAMPLE1 HAS _H
-------------------------------------#AH
  ,,ALS = #CJ YE>S4 ,ALZHEIM]'S W RESULT
  9 DE;TIA & D1? B OV] A L;G] P]IOD ?AN
  ,,ALS4 ,! "T HORIZONS DI6]1 & ^! DI6]-
  ;ES >E SIGNIFICANT 6PLANN+4
,:5 7 Y DIAGNOS$8 ,= "S ILL;SES1 !   #EE
  OLD] Y >E :5 SYMPTOMS F/ AP-      A#AH
  PE>$1 ! POOR] YR DIAGNOSIS4 ,3V]SELY1
  ! E>LI] ! AGE AT : ! 41SE APPE>S1 !
  SL[] ! PROGRES.N4
,>E Y HAV+ ANY COGNITIVE IMPAIR;T CUR-
  R5TLY1 &1 IF S1 6:AT EXT5T8 ,"! MAY 2
  NO CORREL,N 2T VISI# PHYSICAL IMPAIR;T
  & COGNITIVE IMPAIR;T4 ,Y M/ "!=E EX-
  PLICITLY EXPLORE ^! ISSUES ) YR ATTOR-
  NEY4
,>RANGE 6BR+ A CL>IFY+ LR F YR ATT5D+
  PHYSICIAN &_/OR NEUROLOGI/ 6A4RESS !
  ABV ISSUES = YR ATTORNEY4

    ,EXAMPLE3 ,P>K9SON'S ,41SE
,Y 7 REC5TLY DIAGNOS$ ) ,P>K9SON'S 41SE
7,,PD74 ,Y %D EXPLA9 6YR ATTORNEY T ,,PD
IS A *RONIC1 PROGRESSIVE 9CURA# NEURO-
LOGICAL 4ORD] T C IMPACT BO? PHYSICAL &
M5TAL FUNC;N+4 ,H["E1 Y %D AL EXPLA9 T !
SYMPTOMS ( ,,PD C V>Y GRTLY F P]SON TO
P]SON1 & EV5 )9 AN 9DIVIDUAL4 ,V>I,N W
O3UR OV] "T1 "S"TS F H\R 6H\R 9 M ADV.ED
41SE /AGES & DEP5DS ON YR M$IC,N S*$ULE4
,! CAUSE ( ,,PD IS V DI6]5T 9 P4     #EF
                  ,KEY              B#AH
7777777777777777777777777777777777777777
  ,Y NE$ 6-MUNICATE DETAILS AB YR 3DI;N
6YR E/ATE PLANN] & O!R ADVIS]S4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
    ,*OOS+ P 7FIDUCI>IES7 Y C RELY ON
,:5 MO/ P *OOSE AN EXECUTOR 7! P]SON TO
MANAGE _! A6AIRS :5 !Y DIE7 OR A H1L?
C>E AG5T 7! P]SON 6MAKE M$ICAL DECI.NS
IF !Y C'T71 X'S (T5 A !ORETICAL EX]CISE4
,!Y G5],Y DON'T 2LIEVE D1? OR S]I\S M$I-
CAL DECI.NS >E IMM95T 7TEMPT+ FATE IS A
FAVORITE PAS"T = MO/ P :O >E 8F9E074 ,=
Y1 ! DECI.NS >E R1L1 IMPORTANT1 DI6I-
CULT1 & DEP5D+ ON ! ILL;S Y >E 3T5D+ )1
IMM95T4 ,? MAKES ^! APPO9T;TS ALL IMPOR-
TANT 6YR PLANN+4
-------------------------------------#AI
,ALM E LEGAL DOCU;T 4CUSS$ 9 ? BOOK IS
DEP5D5T ^U A P]SON Y DESIGNATE C>RY+ \
YR WI%ES Z SET =? 9 ! DOCU;T4 ,! BE/
H1L? C>E PROXY ISN'T WOR? M* IF ! P]SON
Y SELECT 6MAKE M$ICAL DECI.NS _C D X1 OR
LACKS ! K OR S5SITIV;Y 7OR BO?67 T Y
ANTICIPAT$4                          #EG
  ,MO/ P SELECT IMM FAMILY MEMB]S   A#AI
Z AG5TS4 ,H["E1 "EY"O LIV+ )A *RONIC
ILL;S HAS A V DI6]5T EXP]I;E ( H[ _!
LOV$ "OS REACT 6_! ILL;S4 ,BONNIE1 9 !
9TRODUC;N1 HAS AN E/RANG$ BRO!R :O HAS
N"E -E "?4 ,SADLY _M P AB&ON A SP\SE DI-
AGNOS$ )A *RONIC ILL;S 7S M* =! V[ ( 8=
BETT] OR WORSE ''' 9 SICK;S OR H1L?074
,=TUNATELY = "S1 FAMILY & FRS 2COME F\N-
D,NS ( UNWAV]+ SUPPORT AF ! DIAGNOSIS4
,O!RS >E UNA# 6D1L )! CIRCUM/.ES & >E
UNSUPPORTIVE2 "S MAY VIRTU,Y 4APPE> F YR
LIFE 2C ( _! 4COM=T FAC+ YR DIAGNOSIS OR
O!R TRIVIAL R1SONS OR P]CVD SLI<TS4 ,^!
REAC;NS1 :I*"E DIREC;N !Y TAKE1 W GIVE Y
9VALUA# 9SI<T 96: P 6"N Z FIDUCI>IES & :
6AVOID4
  ,_M *RONIC ILL;SES >E 5IGMATIC4 ,S M*
REMA9S UN"KN AB ! MANN] 9 : _M ( ^! ILL-
;SES A6ECT P4 ,_M P LIV+ ) ULC]ATIVE CO-
LITIS1 MULTIPLE SCL]OSIS1 & C]TA9 O!R
*RONIC ILL;SES OR NEUROLOGICAL 41SES
SEEM 8F9E0 ON ! SURFACE1 S ANO!R -MON
REAC;N = "S FAMILY & LOV$ "OS IS 63T9UE
ON 8BUSI;S Z USUAL10 N 2LIEV+1       #EH
"U/&+1 OR A3EPT+ ! SIGNIFICANT      B#AI
*ALL5GES Y MI<T FACE4 ,9 ^! CASES1 X MAY
2 M DI6ICULT = Y 6DET]M9E ! APPROPRIATE-
;S ( NAM+ ^! P Z YR FIDUCI>IES4 ,A FRANK
& DETAIL$ 4CUS.N IS PROBABLY ADVISA#4
  ,! BOTTOM L9E IS T Y %D N ASSUME T !
USUAL CA/ ( "*S %D AUTOMATIC,Y 2 "ND TO
S]VE Z YR FIDUCI>IES4 ,DON'T LET YR AT-
TORNEY L1D ! 3V]S,N 0SU7E/+ ! USUAL RE-
L,N%IPS 6S]VE 9 ^! CAPACITIES IF !Y >E N
RE,Y APPROPRIATE = Y4 ,YR ATTORNEY W H
NO WAY ( "K+ REAC;NS ( YR FAMILY & LOV$
"OS )\T YR 9PUT4 ,4CUSS YR 3C]NS & OP-
;NS4 ,IF Y >E NEWLY DIAGNOS$1 Y %D H"O/-
LY REEVALUATE :O Y DESIGNAT$ Z FIDUCI-
>IES 9 YR EXI/+ DOCU;TS 9 LI<T ( H[ ^!
PRESUMABLY IMPORTANT P H REACT$ S9CE YR
DIAGNOSIS4
  ,2C "! IS NO CURE = MO/ *RONIC ILL;S-
ES1 &= MO/ YR 3DI;N W WORS51 Y H A M*
GRT] PROBABIL;Y ( HAV+ 6RELY
-------------------------------------#BJ
ON YR FIDUCI>IES 9 VITAL WAYS & OV] A
L;G] "T P]IOD4 ,X IS "PICUL>LY IMPORTANT
= Y 6SELECT FIDUCI>IES BAS$ ON :AT   #EI
! PROSPECTIVE FIDUCI>IES H DEMON-   A#BJ
/RAT$ !Y C D 6ASSI/ Y1 N \ ( FAMILIAL
OBLIG,N4 ,? IS NO "T = DECI.NS MOTIVAT$
0GUILT OR FR%IP4
  ,C>E;L 3SID],N %D 2 GIV5 6NAM+ AN 9/I-
TU;NAL COTRU/EE 65SURE ! FIDUCI>Y L;G-
T]M VIABIL;Y4 ,? LESS5S ! L;G-T]M & PO-
T5TI,Y SIGNIFICANT ADM9I/RATIVE BURD5S
ON A FR OR FAMILY MEMB] :O MI<T O!RWISE
H S]V$ AL"O Z FIDUCI>Y4 ,DON'T 4MISS
NAM+ A BANK OR TRU/ -PANY 2C ( RUMORS
Y'VE HE>D AB _! POOR P]=M.E OR LACK (
S5SITIV;Y4 ,^! -PLA9TS >E 9CORRECT4 ,!
R1L 8PRO#M0 ) 9/ITU;NAL TRU/EES T MO/ P
H IS EXACTLY ! R1SON Y %D FAVOR AN 9/I-
TU;N4 ,9/ITU;NAL TRU/EES OP]ATE 80!
BOOK40 ,:AT ! LEGAL DOCU;TS PROVIDE = IS
EXACTLY :AT !Y >E GO+ 6D4 ,9 3TRA/1 :5
TRU/Y ,UNCLE ,JOE IS S]V+ Z A TRU/EE1 HE
.MI<T J D :AT"E IS ASK$ ( HM4 ,IF Y >E
LIV+ )A *RONIC ILL;S1 ESPECI,Y "O T W
EV5TU,Y IMPACT YR COGNITIVE ABILITIES 6A
DEGREE T Y W 2COME DEP5D5T ON YR FIDUCI-
>IES1 Y WANT ! 9TEGR;Y & =MAL;Y ( AN IN-
/ITU;NAL TRU/EE T W AD"H 6YR         #FJ
WI%ES4 ,"! IS NO BETT] WAY 6PRO-    B#BJ
TECT YRF4 ,BOIL]PLATE *1P 9T]NET DOCU;TS
MAKE GRT -M]CIALS1 B N M* M4 ,TAILOR$
DOCU;TS ) AN 9/ITU;NAL TRU/EE >E YR BE/
ASSUR.E4 ,EV5 A /EP BETT] IS 6"N A TRU/$
FAMILY MEMB]1 FR OR LOV$ "O1 6S]VE TGR )
! 9/ITU;N 7:5 MULTIPLE TRU/EES S]VE !Y
>E CALL$ 8COTRU/EES074 ,BE> 9 M9D T 9/I-
TU;NS W S]VE Z EXECUTORS 76ADM9I/] YR
E/ATE71 & Z TRU/EES 76ADM9I/] TRU/S Y
SET UP74 ,!Y _C S]VE Z AG5TS "U YR P[] (
ATTORNEY 7,*APT] #E7 OR H1L? C>E PROXY
7,*APT] #G74

                  ,KEY
7777777777777777777777777777777777777777
  ,! BE/ WAY 6AVOID P]CVD -PLA9TS T P H
AB 9/ITU;NS IS 6TAKE ! "T 6C>E;LLY TAI-
LOR YR E/ATE PLANN+ DOCU;TS 6YR NE$S &
WI%ES4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
  ,SELECT+ FIDUCI>IES IF Y H A *RONIC
ILL;S HAS "S O!R NU.ES 63SID]3

                                     #FA
,IF Y >E LIV+ ) ULC]ATIVE COLITIS1   #BA
  ,CROHN'S 41SE1 PANCR1TITIS1 OR MO/
  TYPES ( ,,MS1 ! 41SE IS "*IZ$ 0UNPRE-
  DICTA# ATTACKS1 LA/+ = "DS OR WEEKS4
  ,! ON-(F USE ( AN AG5T REQUIRES FA/
  REAC;N = %ORT DUR,NS ) NO NOTICE4 ,!
  AG5T SELECT$ "U A P[] ( ATTORNEY OR
  H1L? PROXY M/ 2 APPROPRIATE 6? UNIQUE
  CIRCUM/.E4 ,PREP>+ ! AG5T 9 ADV.E IS
  AL IMPORTANT4
,IF Y H A /1DILY DET]IORAT+ *RONIC ILL-
  ;S1 ,ALZHEIM]'S1 ,P>K9SON'S1 ,,ALS1
  ,HUNT+TON'S OR O!R ILL;SES1 AN AG5T "U
  A DURA# P[] OR A SU3ESSOR TRU/EE "U A
  LIV+ TRU/ MI<T H ADV.ED NOTICE (! P5D+
  NE$ 6S]VE Z YR 3DI;N WORS5S & 9 ADV.E
  ( TAK+ 3TROL ( YR A6AIRS4 ,? MI<T MAKE
  AN AG5T :O LIVES FUR!R AWAY M F1SI#
  ?AN =! ILL;SES DESCRIB$ ABV4
,(T5 AG5TS >E SELECT$ BAS$ ON _! "U/&+ (
  YR MAJOR OBJECTIVES & WI%ES4 ,H["E1
  S9CE Y >E LIV+ )A *RONIC ILL;S1 ! FO-
  CUS IS DI6]5T4 ,YR AG5T "U YR DURA#
  P[] ( ATTORNEY1 OR A SU3ESSOR TRU/EE
  "U A LIV+ TRU/1 %D 2 A# & WILL+    #FB
  6H&LE R\T9E F9ANCIAL & LEGAL      A#BA
  DETAILS OV] A L;G P]IOD1 N J A FEW BIG
  DECI.NS4 ,DEP5D+ ON YR ILL;S1 Y MAY H
  ! M5TAL PRES;E 6MAKE MAJOR DECI.NS1
  EV5 IF ^? DECI.NS H 6WAIT = AN EXAC]-
  B,N 6SUBSIDE4 ,? IS SUB/ANTI,Y DI6]5T
  ?AN ! FOCUS = O!R *RONIC NEUROLOGICAL
  4ORD]S ": SIGNIFICANT COGNITIVE IM-
  PAIR;T IS LIKELY 7S* Z ,ALZHEIM]'S74
  ,^! FACTORS MAY A6ECT :O Y SELECT Z AN
  AG5T4 ,= EXAMPLE1 IF Y H ,,MS & >E UN-
  LIKELY 6H SIGNIFICANT COGNITIVE IM-
  PAIR;T1 Y MI<T 2 M -=TA# NAM+ A FR Z
  COTRU/EE (A LIV+ TRU/ ) Y S9CE Y C
  MONITOR _! ACTIVITIES4 ,ON ! O!R H&1
  IF Y H A *RONIC ILL;S T W ASSUR$LY RE-
  SULT 9 DE;TIA1 S* Z ,ALZHEIM]'S 41SE
  7,,AD71 Y MI<T PREF] ! SECUR;Y ( NAM+
  A MAJOR 9DEP5D5T F9ANCIAL 9/ITU;N 6EN-
  SURE T NO LIB]TIES >E TAK+ ) YR AS-
  SETS4
,IF Y DON'T FACE SIGNIFICANT COGNITIVE
  IMPAIR;T1 Y MI<T WI% 6RETA9 A P[] 6RE-
  PLACE TRU/EES EV5 IF Y GIVE UP ! ROLE
  ( TRU/EE = YRF 2C (! /RA9 X        #FC
  CAUSES Y4 ,= M SOPHI/ICAT$        B#BA
  PLANN+1 Y MI<T USE A ?IRD "PY1 S* Z A
  TRU/ PROTECTOR1 6PROVIDE A *ECK & BAL-
  .E ON ! TRU/EES4
-------------------------------------#BB
    ,EXAMPLE3 ,HUNT+TON'S ,41SE
,HUNT+TON'S 41SE IS A R>E1 9H]IT$1 PRO-
GRESSIVE1 DEG5]ATIVE 4ORD]4 ,HUNT+TON'S
EXHIBITS XF 9 J]KY1 UNCONTROLL$ MOVE;TS1
SEV]E PRO#MS ) BAL.E & COORD9,N1 & SL[
MOVE;T Z WELL Z DE;TIA & "S 2HAVIORAL
*ANGES4 ,! PROGRES.N ( ,HUNT+TON'S IS S
/R;G T Y W EV5TU,Y REQUIRE FULL-"T C>E &
2COME M5T,Y 9COMPET5T UNTIL D1?4 ,A P]-
SON ) ,HUNT+TON'S W NE$ 6SPECIFIC,Y DE-
TAIL YR 5D-(-LIFE DECI.NS & WI%ES4 ,Y
NE$ 6BE SURE T AG5TS Y "N "U YR H1L? C>E
PROXY "U/& :AT YR FUTURE HOLDS & T !Y H
! EMO;NAL ABIL;Y 6TRULY C>RY \ YR WI%ES4
,Y MI<T 3SID] E/ABLI%+ A REVOCA# LIV+
TRU/ ) AN 9/ITU;N Z ! SOLE TRU/EE OR CO-
TRU/EE 65SURE T YR ASSETS >E MANAG$ Z Y
WI% =! RE/ ( YR LIFE1 ESPECI,Y :5 Y W N
2 A# 6MAKE DECI.NS4 ,DEP5D+ ON ! LIKELY
41SE C\RSE1 Y MAY "N A LOV$ "O Z     #FD
COTRU/EE )! 9/ITU;N F ! 9ITIAL =-   A#BB
M,N ( YR TRU/4 ,KEEP 9 M9D1 T ) ? ILL;S
A BLOOD RELATIVE MAY AL DEVELOP ! 41SE S
T Y &! RELATIVE MAY BO? 2 4A#D4 ,S PICK
YR TRU/EE C>E;LLY4 ,ON YR D1?1 Y MAY NO
L;G] NE$ ! S]VICES (! 9/ITU;NAL TRU/EE1
EV5 IF YR E/ATE IS PD 96TRU/S 7E4G41 =
YR *N OR NIECES & NEPHEWS74 ,? ILLUS-
TRATES AN IMPORTANT PO9T ( FLEXIBIL;Y4
,Y C PROVIDE = *ANGES 9 :O W S]VE Z
TRU/EE = DI6]5T PHASES ( YR PLANN+4

    ,EXAMPLE3 ,,ALS 7,L\ ,GEHRIG'S ,DIS-
    EASE7
,,ALS IS A PROGRESSIVE NEURODEG5]ATIVE
41SE T A6ECTS ! NEURONS T 3TROL MUSCLE
MOVE;T4 ,9ITI,Y A PATI5T ) ,,ALS W EXPE-
RI;E MUSCLE TWIT*+1 CRAMP+ & W1K;S1 B Z
! 41SE PROGRESSES1 HE W EV5TU,Y REQUIRE
A P]MAN5T V5TILATOR 6ASSI/ ) BR1?+4 ,MO/
P ) ,,ALS W N EXP]I;E SIGNIFICANT COGNI-
TIVE SYMPTOMS4 ,^! FACTORS MI<T SU7E/ !
USE (A REVOCA# LIV+ TRU/ ) AN 9/ITU;N
S]V+ Z COTRU/EE ) Y4 ,? W 5A# Y 6RETA9 Z
M* 3TROL OV] MAJOR DECI.NS Z         #FE
POSSI#1 :ILE RELEGAT+ ALL ADM9IS-   B#BB
TRATIVE MATT]S 6A SKILL$ 9/ITU;N4

     ,*RONIC ,ILL;S ,A6ECTS ! ,TIM+
               ( ,PLANN+

,*RONIC ILL;S A6ECTS ! "T HORIZON Y H TO
MAKE DECI.NS & IMPLE;T PLANN+4 ,X'S IM-
PORTANT 6CLE>LY 9=M YR ATTORNEY & O!R
ADVIS]S (! "T L9E ( YR ILL;S &1 MO/ IM-
PORTANTLY1 ( H[ T
-------------------------------------#BC
ILL;S A6ECTS Y4 ,TIM+ C 2 CRITICAL 6ES-
TATE PLANN+1 & TOO _M ADVIS]S1 UN.S
!Y'VE BE5 P]SON,Y T\*$ 0*RONIC ILL;S1
MAY N "U/& ! IMPLIC,NS4 ,WORSE YET1 !Y
MI<T T5D 6MAKE ! SAME ]RONE\S ASSUMP;NS
MO/ P D1 & LUMP ALL *RONIC ILL;SES TGR Z
IF !Y ALL H ! SAME SYMPTOMS & IMPLIC,NS4

    ,EXAMPLE3 ,P>K9SON'S ,41SE
,P>K9SON'S 41SE 7,,PD7 IS N R>E2 AB "O
P]C5T ( ALL ^? OV] AGE #FE >E DIAGNOS$ )
X4 ,! AV]AGE AGE AT ONSET = ,,PD IS AB
#FJ1 B X C AL A6ECT P "U ! AGE (     #FF
#DJ 7REF]R$ 6Z "Y ONSET ,,PD1 OR    A#BC
,,YOPD74 ,YR DOCU;TS & PLANN+ %D ALL 2
MODIFI$ 6REFLECT ! IMPLIC,NS ( ,,PD4 ,AT
! \TSET1 ,,PD C 2 MANAG$ WELL 5 ) M$ICA-
;NS & LIFE/YLE *ANGES S T Y MI<T LIVE A
RELATIVELY UNA6ECT$ LIFE = YE>S1 EV5
DECADES4 ,B 2C ,,PD IS 9 ALL CASES A
PROGRESSIVE ILL;S1 SYMPTOMS W WORS5 OV]
"T4 ,?US1 :ILE PLANN+ MAY N NE$ 6BE AD-
DRESS$ ON AN URG5T BASIS :5 Y >E 9ITI,Y
DIAGNOS$1 ! LIKELIHOOD ( PROGRES.N M1NS
X %D N 2 PUT (F = TOO L;G4 ,DON'T USE ?
"T P]IOD 6DELAY PLANN+4 ,USE X Z AN OP-
PORTUN;Y4 ,5GAGE 9 PLANN+ Z SOON Z F1SI#
AF YR DIAGNOSIS4 ,!N USE ! "T REMA9+ TO
TAILOR & MODIFY YR PLANN+4 ,UPDATE YR
DOCU;TS1 Z ! CIRCUM/.ES ( YR DIAGNOSIS
2COME CLE>] & Z YR FEEL+S & WI%ES
EVOLVE4 ,2C ,,PD PROGRESSES OV] _M YE>S1
"! W LIKELY 2 REF9E;TS1 IF N *ANGES1 Z Y
REEVALUATE YR FEEL+S & WI%ES OV] "T4
  ,,PD IS AL A *RONIC ILL;S1 9 3TRA/ 6AN
ACUTE ILL;S4 ,! SYMPTOMS >E P]MAN5T & W
3T9UE4 ,ANNUAL REVIEWS1 AF 9ITIAL DOCU-
;TS & PLANN+ >E -PLET$1 65SURE       #FG
ADEQUACY1 >E ADVISA#4 ,? IS IM-     B#BC
PORTANT S9CE Y W N 2 A# 6JUDGE :5 Y BE-
-E 9CAPA# ( MAK+ DECI.NS4

        ,*RONIC ,ILL;S ,A6ECTS !
          ,ECONOMICS ( ,PLANN+

,H[ DOES ! 41SE C\RSE ( YR *RONIC ILL;S
A6ECT ! ECONOMICS ( YR E/ATE PLANN+8
,MO/ ADVIS]S ]RONE\SLY ASSUME T "EY"O )A
*RONIC ILL;S HAS LIMIT$ RES\RCES1 NE$S
6FOCUS 9VE/;T PLANN+
-------------------------------------#BD
ON LIQUID;Y & M9IMUM RISK1 & %D H A NON-
SPR++ P[] ( ATTORNEY1 ETC4 ,"S *RONIC
ILL;SES /RIKE E>LY1 TRUNCAT+ EV5 ! MO/
LUCRATIVE ( C>E]S4 ,O!RS1 S* Z ,P>K9-
SON'S & ,ALZHEIM]'S1 T5D 6/RIKE AT LAT]
AGES 7! "Y ONSET V].NS 2+ AN EXCEP;N74
,EV5 "S 41SES T >E DIAGNOS$ AT AN E>LI]
AGE1 S* Z MULTIPLE SCL]OSIS1 ALL[ "S:AT
NORMAL LIVES1 UNTIL 2COM+ M SEV]E AT A
LAT] AGE4 ,? IS IMPORTANT1 2C AN 9ITIAL
DIAGNOSIS M* LAT] 9 LIFE MAY H AF=D$ Y !
OPPORTUN;Y 6E>N & SAVE ASSETS "? A   #FH
NORMAL RETIRE;T AGE4 ,G5]ALIZ,NS    A#BD
>E DANG]\S4 ,Y M/ MAKE SURE 69=M YR AD-
VIS]S ( YR SPECIFIC CIRCUM/.ES & 2 SURE
!Y PLAN ACLY4 ,SEE ! 4CUS.N 9 ,*APT] #AB
3C]N+ 9VE/;T PLANN+ = ^? LIV+ ) *RONIC
ILL;S4

    ,EXAMPLE3 ,P>K9SON'S ,41SE
,2C ,,PD T5DS 6O3UR PRIM>ILY AF AGE #FJ1
& PROGRESSES OV] "T1 _M ,,PD PATI5TS W H
_H A RELATIVELY UNIMP$$ C>E] & H;E H ES-
TATE TAX & O!R PLANN+ 3C]NS SIMIL> 6P )-
\T A *RONIC ILL;S4 ,! CO/S ( C>E C 2
SIGNIFICANT1 & ? TOO HAS 6BE FACTOR$ 96!
PLANN+4 ,MODIFY+ YR HOME 6MAKE X SAF] TO
AVOID FALLS1 REDECORAT+1 P]H EV5 A4+ ON
A ROOM =A C>ETAK]1 MI<T ALL W>RANT FAC-
TOR+ 96YR PLANN+4 ,"! CD AL 2 SUB/ANTIAL
DI6];ES 9 ! TYPE ( 9SUR.E COV]AGES & O!R
B5EFITS Y MAY H F YR EMPLOY;T4 ,P]H Y
PUR*AS$ L;G-T]M C>E COV]AGE 2F YR DIAG-
NOSIS1 MAYBE Y 7 N T =TUNATE4 ,! DI6];ES
2T V>I\S P ) ,,PD C 2 SIGNIFICANT4 ,AG1
Y M/ EXPLA9 H[ YR ,,PD A6ECTS Y 6YR AD-
VIS]S4 ,DON'T ASSUME T !Y W "U/&     #FI
^! NU.ES4                           B#BD

    ,EXAMPLE3 ,"Y ,ONSET ,*RONIC ,41SE
,"Y ONSET ,P>K9SON'S 41SE HAS BE5 DIAG-
NOS$ AT AGES Z E>LY Z #CJ4 ,= ALL ,,YOPD
PATI5TS1 ! 41SE W H A NEGATIVE IMPACT ON
_! C>E] & SAV+S4 ,A SMALL P]C5TAGE ( ^?
) ,ALZHEIM]'S 41SE 7,,AD7 >E DIAGNOS$ 9
_! FIFTIES1 OR P]H E>LI] 7"Y ONSET
,,AD74 ,B EV5 = ^! P1 "! >E SIGNIFICANT
EXCEP;NS4 ,"! >E ^? ) "Y ONSET 41SE T H
ALR _H SIGNIFICANT F9ANCIAL SU3ESS4 ,MI-
*AEL ,J4 ,FOX MI<T 2 "O (! MO/ FAM\S &
-------------------------------------#BE
\TSPOK51 B HE IS N ! ONLY "O4 ,IF YR AT-
TORNEY ASSUMES T ALL ^? LIV+ ) "Y ONSET
V>I,NS ( *RONIC ILL;S H SIMIL> CIRCUM-
/.ES1 ! PLANN+ Y RCV CD 2 Q ! OPPOSITE (
:AT IS APPROPRIATE = Y4

    ,A NOTE 6FAMILY & C>ETAK]S
,IF YR LOV$ "O HAS A *RONIC ILL;S YR
ROLE & IMPORT.E 9 _! E/ATE PLANN+ W DIF-
F]1 (T5 M>K$LY1 F T (A SP\SE1 "PN]1 OR
LOV$ "O = "S"O :O DOES N FACE !      #GJ
SAME *ALL5GES4 ,YR ROLE 9 S]V+ Z    A#BE
A CATALY/ 6GET _! E/ATE & F9ANCIAL PLAN-
N+ PROCESS MOV+1 MAY 2 ! MO/ IMPORTANT
ROLE Y S]VE4

    ,EXAMPLE3 ,ALZHEIM]'S ,41SE
,APA?Y C A6ECT _M P )A *RONIC ILL;S4 ,X
IS VITAL = Y1 IF YR LOV$ "O HAS ,ALZHEI-
M]'S1 65C\RAGE1 EV5 PU%1 !M 6-PLETE
PLANN+ 2F ! 41SE PROGRESSES 6! PO9T (
MAK+ X IMPOSSI# 6IMPLE;T PLANN+4 ,DE;TIA
IS N A POSSIBIL;Y IF YR LOV$ "O HAS
,,AD1 X IS A C]TA9TY4 ,YET ! APA?Y ,,AD
CR1TES MAY MAKE YR LOV$ "O ACT 9 ! OPPO-
SITE MANN] ( :AT ALL LOGIC & CAU;N WD
9DICATE4 ,IF YR LOV$ "O IS N PURSU+ !
APPROPRIATE PLANN+ ) SU6ICI5T E>NE/1 EN-
C\RAGE !M 6MOVE =W>D4 ,5LI/ _! NEUROLO-
GI/1 ATTORNEY1 & O!RS 6SUPPORT YR EF=TS
6GET !M 6A4RESS PLANN+4
  ,^? ) ,,AD -MONLY SU6] F LANGUAGE
PRO#MS 7APHASIA74 ,Z YR LOV$ "O ) ,,AD
/RU7LES 6ID5TIFY ! CORRECT T]M OR PHRASE
6USE 9 3V]S,N1 8 OR H] ABIL;Y 6"U/& AN
ATTORNEY'S -;TS1 & 6R1D DOCU;TS      #GA
7E4G41 6"U/& A P[] ( ATTORNEY &     B#BE
O!R DOCU;TS7 ALL DET]IORATE4 ,? DECL9E W
SET A "T FRAME1 & P]H URG5CY1 6-PLET+ M
SOPHI/ICAT$ PLANN+ QKLY4
  ,P]SONAL;Y *ANGES >E A -MON SYMPTOM (
,,AD4 ,A LOV$ "O ) ,,AD MI<T 2COME DELU-
.NAL &_/OR SUSPICI\S4 ,^! *ANGES MAY H !
,,AD LOV$ "O /OP TRU/+ Y1 FAMILY MEMB]S1
& O!RS "ND Z FIDUCI>IES4 ,A P[] ( ATTOR-
NEY1 REVOCA# TRU/ OR O!R DOCU;T CD 2 RE-
VOK$ :5 9 FACT X %D H BE5 RETA9$ Z A
PROTEC;N AG/ ! V ISSUES L1D+ ! P]SON )
,,AD 69APPROPRIATELY REVOKE X4
  ,ISOL,N C O3UR Z YR LOV$ "O ) ,,AD BE-
-ES EMB>RASS$ OV] 8 OR H] 9ABIL;Y 6-MU-
NICATE1 MA9TA9 P]SONAL HYGI5E1 ETC4
-------------------------------------#BF
,A7RESSIVE;S1 ANXIETY & O!R SYMPTOMS C
AL O3UR4 ,6PROTECT & HELP !M X IS ESS5-
TIAL T Y GUIDE !M 6-PLETE ! NEC PLANN+1
Z SOON Z F1SI#4 ,P]H1 ) YR 9TIMATE K (
YR LOV$ "OS FEEL+S1 Y C SPECIFIC,Y AD-
DRESS "S ( ^! IMP$I;TS 6!M PROCE$+ )
PLANN+4
                                     #GB
        ,PREP>E = ,YR ,F/ ,MEET+    A#BF
          ) ,YR ,E/ATE ,PLANN]

,:5 Y PREP>E = YR F/ MEET+ ) YR E/ATE
PLANN]1 "! >E "S BASIC /EPS Y C TAKE TO
MAKE ! MEET+ G M SMOO?LY1 PRODUCTIVELY1
& QKLY4 ,? W TRANSLATE 96A BETT] RESULT1
GRT] LIKELIHOOD ( A*IEV+ YR GOALS1 & L[]
CO/S 76! EXT5T T YR ATTORNEY & O!R PLAN-
N]S BILL H\RLY74

.,BAL.E .%EET4 ,PREP>E A BAL.E %EET LI/+
  YR ASSETS 7?+S Y [N7 0CATEGORY & H[ !Y
  >E [N$4 ,IF F1SI#1 ATTA* COPIES (!
  RELEVANT DOCU;TS 6BACK UP ! NUMB]S ON
  ! BAL.E %EET 7E4G41 A BROK]AGE /ATE;T1
  DE$1 ETC474 ,= _M (! GOALS ( E/ATE
  PLANN+ X IS ! 8BIG PICTURE0 T M/ 2 "U-
  /OOD4 ,! BAL.E %EET IS RE,Y A SNAP%OT1
  A MILE-HI< PICTURE1 AT A PO9T 9 "T (
  :AT Y [N & :AT Y [E4
.,FAMILY .TREE4 ,AN ATTORNEY W NE$ A
  SUMM>Y ( ALL FAMILY MEMB]S1 REG>D.S (
  YR FEEL+S T[>D !M4 ,AT A M9IMUM1 ? %D
  9CLUDE P>5TS1 SIBL+S1 *N1 GR&*N4   #GC
  ,IF ANY"O IS DEC1S$1 DIVORC$1     B#BF
  HAS A H1L? ISSUE1 IS N A ,UNIT$ ,/ATES
  CITIZ51 9DICATE ?4 ,AL1 PROVIDE EA*
  P]SON'S FULL LEGAL "N1 NICK"N IF -MON-
  LY US$1 ,SOCIAL ,SECUR;Y NUMB]1 AD-
  DRESS1 & AGE4 8,FAMILY0 IS DEF9$ DI6]-
  5TLY = "EY"O4 ,IF "! >E P :OM Y 3SID]
  YR FAMILY1 EV5 IF !Y DON'T FOLL[ !
  PATT]N (! ,CL1V] FAMILY1 LI/ !M & EX-
  PLA9 _! REL,N%IP4 ,MO/ E/ATE PLANN+
  BOOKS 3T9UE 6BE WRITT5 Z IF ,JUNE &
  ,W>D ,CL1V] >E ! PROTOTYPE ,AM]ICAN
  FAMILY6 ,! KEY 6AVOID ! E/ATE PRO#MS
  _M P H IS 6MAKE SURE T Y TAKE ! "T TO
  C>E;LLY -MUNICATE YR BACKGR.D 9=M,N &
  WI%ES4
..,LI/ ( TRU/EES1 AG5TS & O!R .FIDUCI-
  >IES4 ,IF Y C PROVIDE A LI/ (A M9IMUM
  ( "O FIDUCI>Y & AT L1/ TWO ALT]NATES
  7SU3ESSORS7
-------------------------------------#BG
  = EA* (! E/ATE PLANN+ DOCU;TS 4CUSS$ 9
  ? BOOK1 Y'LL SAVE 3SID]A# "T4 ,PROVIDE
  ! P]SONS FULL LEGAL "N1 NICK"N IF COM-
  MONLY US$1 A4RESS & AGE4 ,Y MI<T   #GD
  WANT 6NOTE :Y Y H "ND ? "PICUL>   A#BG
  P]SON1 & :E!R Y H ANY 3C]NS AB NAM+
  !M4 ,? W PUT YR "QS SQU>ELY ON ! TA# =
  YR ATTORNEY 6A4RESS ) Y QKLY & E6I-
  CI5TLY4
,LI/ ( 9T5D$ D"OES & B5EFICI>IES4 ,:O %D
  9H]IT8 ,:O %D RCV GIFTS8 ,IF Y >E L1V+
  ASSETS UNEQU,Y 7E4G41 FAVOR+ A * :O
  HAS BE5 YR C>ETAK]7 9DICATE :Y ! DI6]-
  ;E4

  ,S9CE Y H A *RONIC ILL;S1 Y NE$ 6PRE-
P>E A4I;NAL 9=M,N & MAT]IALS = YR PLAN-
N]4 ,HAV+ ^! R1DY 6PREP>E & PRES5T AT YR
F/ MEET+ W AL SAVE "T & M"OY1 & BETT]
ASSURE T YR GOALS >E MET4

,:AT *RONIC ILL;S D Y H8 ,2 SPECIFIC1
  PRIM>Y-PROGRESSIVE MULTIPLE SCL]OSIS
  IS M 9=MATIVE ?AN M]ELY SAY+ ,,MS4 ,2
  PREP>$ 6EXPLA9 ANY NU.ES4
,:AT >E ! CURR5T SYMPTOMS ( YR ILL;S8
,:AT IS YR AGE8 ,H[ DOES AGE IMPACT YR
  3DI;N8 ,= EXAMPLE1 DE;TIA T5DS 6A6ECT
  ^? ) ,,PD OV] AGE #GJ M ?AN "Y]    #GE
  P LIV+ ) ,,PD 4                   B#BG
,:AT 9SUR.E COV]AGE D Y H8
,:AT O!R H1L? ISSUES D Y H8 ,Y NE$ 6MAKE
  SURE YR E/ATE PLANN] "U/&S ! POT5TIAL
  C\RSE ( YR ILL;S & YR G5]AL H1L? S9CE
  O!R H1L? ISSUES C A3OMPANY YR *RONIC
  ILL;S1 EXAC]BATE XS IMPACT1 & A3EL]ATE
  ! PROGRES.N ( PRO#MS4 ,= EXAMPLE1 _M P
  LIV+ ) ,,PD AL H C>DIOVASCUL> ISSUES1
  HI< BLOOD PRESSURE1 & O!R AIL;TS T MAY
  9DEP5D5TLY CAUSE DE;TIA 7CALL$ 8SEC-
  OND>Y DE;TIA07 OR EXAC]BATE YR ,,PD
  DE;TIA4
,>E Y PRES5TLY HAV+ ANY COGNITIVE IM-
  PAIR;T1 & IF S1 6:AT EXT5T8 ,YR C>E-
  GIV] OR POSSIBLY YR NEUROLOGI/ MAY NE$
  6SUPPLY ! ANSW] 6? "Q4 ,YR ATTORNEY W
  H 6DET]M9E :E!R AN 9DEP5D5T REPORT F
  YR NEUROLOGI/ & P]H 9T]NI/ 7Z 6O!R
  H1L? ISSUES7 %D 2 OBTA9$ & :AT ^? RE-
  PORTS %D A4RESS4 ,IF
-------------------------------------#BH
  Y W 2 SEE+ YR PHYSICIANS PRIOR 6YR ES-
  TATE PLANN]1 OBTA9+ A LR T DESCRIBES
  YR SITU,N & ESPECI,Y 3CLUDES T Y   #GF
  H ! M5TAL CAPAC;Y 65GAGE 9        A#BH
  PLANN+ & SIGN -PLEX LEGAL DOCU;TS W 2
  Q USE;L4 ,EV5 IF A M DETAIL$ LR IS
  LAT] REQUE/$ 0YR ATTORNEY 7E4G41 2F Y
  3SUMMATE A -PLEX & TE*NICAL E/ATE
  PLANN+ TRANSAC;N71 ! 9ITIAL LR W 2 Q
  VALUA# 6SUPPORT ! 3CLU.NS ( -PET5CY 9
  ! LAT] LR4 ,SEE ,*APT] #D4
,_M *RONIC ILL;SES >E 5IGMATIC & V>IA# 9
  NATURE4 ,Y MAY LACK SU6ICI5T TE*NICAL
  "U/&+ ( YR [N 3DI;N & PROGNOSIS1 OR
  EMO;NS MAY MAKE X TOO DI6ICULT = Y TO
  RELATE ^! PO9TS4 ,3SID] REQUE/+ A CL>-
  IFY+ LR F YR ATT5D+ NEUROLOGI/ 6A4RESS
  ^! MATT]S1 Z WELL Z ! -PET5CY ISSUE
  NOT$ ABV4 ,S9CE EA* P]SON'S *RONIC
  41SE PROGRESSES 9 XS [N UNIQUE MANN]1
  "S DETAIL$ "U/&+ IS IMPORTANT 6ASSESS
  ! URG5CY ( PLANN+4 ,? 9=M,N W 2 DI6]5T
  ?AN ! FOCUS (! -PET5CY REPORT NOT$
  ABV4
,W Y NE$ C>ETAK] ASSI/.E8 ,:58 ,:AT
  PLANS H BE5 MADE 6A4RESS ?8
,IF Y H A C>E PLAN PREP>$ 0A SOCIAL "W]1
  G]IATRIC 3SULTANT1 OR O!R          #GG
  SPECIALI/1 BR+ A COPY Z ? CD 2    B#BH
  A V 9=MATIVE ROAD MAP = YR E/ATE PLAN-
  N]4

       ,9=M ,YR ,E/ATE ,PLANN] ,H[
       ,YR ,*RONIC ,ILL;S ,A6ECTS
           ,YR ,9T]AC;NS ) ,!M

,Y %D 9=M YR ATTORNEY & O!R ADVIS]S (
:AT /EPS !Y NE$ 6TAKE 6MODIFY _! PRAC-
TICES 6A3OMMODATE YR NE$S4 ,LETT+ !M "K
9 ADV.E W MAKE ! PROCESS M -=TA# = ALL4
,>E "! C]TA9 "TS ( "D--P]H CORRELAT$ 6!
IMPACT ( YR M$IC,N OR :5 YR SYMPTOMS >E
! L1/ PRON\NC$--T X WD 2 PREF]A# 6S*$ULE
APPO9T;TS & 3F];E CALLS8 ,:ILE ? BOOK
EXPLORES A NUMB] ( ILL;SES1 SPACE LIMI-
T,NS PREV5T A DETAIL$ 4CUS.N ( EA*4 ,S 2
C]TA9 6EXPLA9 YR SITU,N 6YR PLANN]S4
  ,! MA9 PHYSICAL SYMPTOMS ( ,,PD T AF-
FECT MO/ P1 EV5 E>LY 9 ! 41SE1 9CLUDE
RIGID;Y1 TREMOR1 BRADYK9ESIA1 OR SL[$
-------------------------------------#BI
MOVE;T1 & AK9ESIA1 ! 9ABIL;Y 6MOVE SPON-
TANE\SLY1 : C MAKE X DI6ICULT =      #GH
"S"O ) ,,PD 62G91 OR 3T9UE1 AN      A#BI
AC;N4 ,A -MON IMPACT ( ? IS 9 _! FACIAL
EXPRES.NS4 ,TELL YR ATTORNEY N 6ASSUME T
A BLANK FACIAL EXPRES.N 9DICATES T Y >E
N PAY+ ATT5;N OR FOLL[+ A 4CUS.N1 OR T Y
H A SIGNIFICANT COGNITIVE IMPAIR;T4 ,!
R1L;Y MAY 2 ! OPPOSITE ( ALL ( ^! ASSUM$
IMPLIC,NS4 ,RIGID;Y CAUSES /I6;S1 MA9LY
(! >MS OR LEGS4 ,TREMORS C 2 MILD OR SE-
V]E1 9T]MITT5T OR 3/ANT1 & MO/ -MONLY
A6ECT ! H&S4 ,ALL ( ^! SYMPTOMS 3TRIBUTE
6MAK+ WRIT+ A "PICUL>LY DI6ICULT TASK4
,? C H A SIGNIFICANT IMPACT ON YR ABIL;Y
6SIGN LEGAL DOCU;TS4 ,WAYS 6A4RESS ? IN-
CLUDE ELIM9AT+ UNNEC SIGNATURES OR 9I-
TIALS4 ,= EXAMPLE1 "S ATTORNEYS Z A MAT-
T] ( PRACTICE H CLI5TS SIGN E PAGE (A W
) _! FULL SIGNATURE4 ,O!R ATTORNEYS ONLY
H EA* PAGE 9ITIAL$4 ,UN.S "! IS A LEGAL
REQUIRE;T 6H E PAGE SIGN$1 US+ 9ITIALS W
MAKE ! PROCESS LESS T$I\S1 DI6ICULT1 &
"T 3SUM+4

,Z YR ,,PD PROGRESSES1 BAL.E & WALK+ MAY
  AL 2 A6ECT$4 ,9 "PICUL>1 "S P W    #GI
  8FREEZE0 :ILE TRY+ 6WALK "? A     B#BI
  DOORWAY OR :5 APPROA*+ A *AIR 6SIT
  D[N4 ,_! LEGS W SIMPLY N D :AT !Y WANT
  !M 6D4 ,YR ADVIS]S MI<T WI% 6MOVE
  TRIPP+ HAZ>DS OR TAKE O!R MODE/ PRE-
  CAU;NS = Y4
,O!R SYMPTOMS ( ,,PD MAY 9CLUDE DYS>?RIA
  7SLURR$ SPEE*7 & HYPOPHONIA 7V S(T
  SPEE*74 ,? C MAKE X DI6ICULT 6"U/& :AT
  Y >E SAY+ & C 2 FRU/RAT+ = BO? Y Z !
  SP1K] & YR ATTORNEY Z ! LI/5]4 ,TURN+
  UP ! VOLUME ON A TELEPH"O1 US+ A L&
  PH"O L9E R ?AN A CELLUL> PH"O1 US+ !
  ACTUAL PH"O & N A SP1K] PH"O1 C (T5
  HELP4 ,9 _M CASES1 IF YR ATTORNEY SIM-
  PLY TAKES ! "T & EX]CISES ! PATI;E TO
  FOCUS1 HE OR %E W 2 A# 6"U/& Y4 ,IF1
  H["E1 AN ANSW] 6AN IMPORTANT "Q IS N
  "U/OOD1 Y %D & M/ REP1T YRF 6YR ATTOR-
  NEY UNTIL HE OR %E DOES "U/& YR REPLY4
  ,:AT"E 4COM=T OR FRU/R,N Y OR YR AT-
  TORNEY MAY H1 ? PALES 0-P>ISON 6! DAM-
  AGE T MI<T 2 D"O IF YR ATTORNEY DOES N
  PROP]LY "U/& YR WI%ES4 ,= MEET+S1 &
  EV5 PH"O CALLS1 X MI<T 2 POSSI#    #HJ
  6H A FR1 FAMILY MEMB] OR EV5      C#BI
  C>ETAK] :O IS FAMILI> ) YR VOICE1 P>-
  TICIPATE & REP1T YR -;TS4 ,2 C>E;L H[-
  "E1 Z X MAY 2 9ADVISA# 6H A C>ETAK]1
  OR EV5 C]TA9 FAMILY MEMB]S1 HE> 4CUS-
  .NS AB YR ASSETS & 2QUE/S4
-------------------------------------#CJ
,"S P LIV+ ) ,,PD C EXP]I;E DROOL+1 : C
  2 EMB>RASS+4 ,IF Y D1 BR+ EXTRA TIS-
  SUES 6! MEET+1 B EXPLA9+ ^! SYMPTOMS
  6YR ADVIS]S 9 ADV.E W MAKE X EASI] =
  "EY"O4
,! MA9 NEURO-SYMPTOMS ( ,,PD 9CLUDE DE-
  PRES.N1 ANXIETY1 COGNITIVE PRO#MS1 &
  APA?Y4 ,"S LIV+ ) ,,PD MAY AL EXP]I;E
  PSY*IATRIC SIDE E6ECTS F M$IC,NS US$
  6TR1T _! ,,PD1 "NLY PSY*OSIS 7DELU.NS
  OR HALLUC9,NS7 OR 3FU.N4 ,Y MAY P]SON-
  ,Y EXP]I;E N"O1 "S1 OR ALL ( ^! PROB-
  LEMS4 ,? IS :Y 9=M+ YR ATTORNEY AB YR
  SPECIFIC SITU,N1 R ?AN L1V+ !M 6RELY
  ON G5]ALIZ,NS AB ,,PD 7OR WORSE YET1 J
  IGNOR+ X ALL & N MAK+ ANY EF=T 6"U/&7
  W "UM9E YR ABIL;Y 6BE BE/ S]V$ 0YR AD-
  VIS]S4                             #HA
,_M P LIV+ ) ,,PD EXHIBIT BRADY-    A#CJ
  PHR5IA1 OR A SL[+ D[N ( _! ?"\ PROC-
  ESSES4 ,X C TAKE L;G] = !M 6RESPOND 6A
  "Q EV5 :5 !Y "U/& X P]FECTLY WELL4 ,IF
  BRADYPHR5IA A6ECTS Y1 EXPLA9 ? 6YR AD-
  VIS]S S T !Y W "U/& T !Y NE$ 6GIVE Y M
  "T 6RESPOND1 T NO RESPONSE DOESN'T M1N
  YR 3S5T 6A /ATE;T MADE 7X MI<T J M1N
  Y'RE / TRY+ 6GET ! ANSW] \74 ,9=M YR
  ATTORNEY T ! IMPACT ( BRADYPHR5IA HAS
  NO IMPLIC,N 6YR -PET5CY4 ,EXPLA9 T PA-
  TI;E IS ESS5TIAL & T !Y %D ALLOT M "T
  = YR MEET+S4 ,IF AN 9TRODUCTORY MEET+
  TYPIC,Y RCVS A TWO-H\R ALLOT;T ON YR
  ATTORNEY'S CAL5D> SY/EM1 SU7E/ T !Y
  ALL[ = ?REE H\RS = Y 6A4RESS YR ,,PD
  SYMPTOMS4
,OLD] P & ^? ) ADVANC+ 41SE APPE> 6BE AT
  "PICUL> RISK = COGNITIVE PRO#MS4 ,EV5
  E>LY ON1 _M P H SUBTLE COGNITIVE DI6I-
  CULTIES T MAY A6ECT _! ABIL;Y 63C5-
  TRATE1 MULTITASK1 & PLAN E6ECTIVELY4
  ,^! >E "S"TS REF]R$ 6Z 8EXECUTIVE0
  FUNC;NS4 ,SU7E/ T YR ATTORNEY FOCUS
  MEET+S & 4CUS.NS ON A LIMIT$       #HB
  NUMB] ( ISSUES AT A "T1 T HE OR   B#CJ
  %E ORGANIZE ! ISSUES 9 LOGICAL OR NAT-
  URAL SEQU;E 6FACILITATE 4CUS.NS1 MAK+
  X EASI] = YR "PICIP,N4
,Z YR ,,PD PROGRESSES1 Y MAY DEVELOP
  FRANK DE;TIA & MAY 2 4ORI5T$ 6PLACE1
  DATE1 OR "T4 ,AT ? /AGE1 Y MAY LACK
  SU6ICI5T JUDG;T 6E6ECTIVELY MAKE LEGAL
  DECI.NS4 ,H["E1 = _M ) ,,PD1 _! ABIL;Y
  6MAKE MAJOR DECI.NS W N"E 2 -PLETELY
  "UM9$4 ,A M DETAIL$ 4CUS.N AB ! IMPACT
  ( COGNITIVE IMPAIR;T ON E/ATE PLANN+ &
  SU7ES;NS = D1L+ ) X IS PRES5T$ 9 ,*AP-
  T] #D4 ,Y MAY 2 P]FECTLY -PET5T 6MAKE
  DECI.NS AT "O PO9T 9 YR REPRES5T,N 0AN
  E/ATE
-------------------------------------#CA
  PLANN]1 B Y MAY N 2 AT A LAT] PO9T4
  ,IF SIGNIFICANT TRANSAC;NS >E 6BE EN-
  GAG$ IN1 E4G41 A L>GE -PLEX NOTE SALE
  TRANSAC;N 6A DEFECTIVE GRANTOR DYNA/Y
  TRU/1 C\NSEL %D 5D1VOR 6CORROBORATE T
  AT T "T ( YR SIGN+ DOCU;TS Y 7 9 FACT
  CAPA# ( "U/&+ ! TRANSAC;N4 ,AN ISSUE =
  YR ATTORNEY MAY 2 DET]M9+ &        #HC
  DOCU;T+ YR -PET5CY1 & DET]M9+     A#CA
  :5 ! COGNITIVE IMPACT ( ,,PD HAS R1*$
  A PO9T ON ! 3T9UUM T A "PICUL> LEVEL (
  PLANN+ MI<T 2 9APPROPRIATE 63SUMMATE4
,MOTOR FLUCTU,NS >E PH5OM5A ( ,,PD & T5D
  6BE "PICUL>LY PRO#MATIC 9 ,,YOPD4 ,AT
  F/1 ,,PD M$IC,NS "W V WELL & SYMPTOMS
  T5D 6BE RELATIVELY 3/ANT "?\T ! "D4
  ,H["E1 Z ! 41SE PROGRESSES1 Y MAY EX-
  P]I;E A 8WE>+ (F0 ( _! M$IC,NS )A RE-
  TURN ( YR ,,PD SYMPTOMS Z !Y >E AP-
  PROA*+ ! "T ( _! NEXT DOSE4 ,9=M YR
  ATTORNEY T Y NE$ 6TAKE YR M$IC,NS ON
  "T4 ,REQUE/ T WAT] 2 MADE AVAILA#1 & T
  YR MEET+ PAUSE1 6ALL[ Y 6TAKE YR M$I-
  C,NS4 ,A SIMPLE SOLU;N IS = YR ADVIS]S
  6H A DECANT] ( WAT] & GLASSES ON H& S
  T Y C HELP YRF -=TABLY :5"E NEC4 ,X IS
  AL ADVISA# 6>RANGE ! TIM+ ( YR MEET+S
  6BE/ FIT YR M$IC,N_/SYMPTOM CYCLE4
,Y MI<T EXP]I;E P]IODS ( EXTREMELY POOR
  MOBIL;Y 78(F0 P]IODS7 & GD MOBIL;Y
  78ON0 P]IODS74 8,ON0 P]IODS C 2 ASSO-
  CIAT$ ) EXCESSIVE1 9VOLUNT>Y MOVE;TS
  7DYSK9ESIA74 ,DYSK9ESIAS C         #HD
  MANIFE/ Z SUBTLE WI7L+ MOVE;TS    B#CA
  OR M SEV]E FLAIL+ MOVE;TS (! H1D1
  BODY1 >MS1 OR LEGS4 ,SUBTLE MOVE;TS
  MI<T GIVE Y ! APPE>.E ( 2+ N]V\S OR
  RE/.S :51 9 FACT1 Y >E N4 ,SEV]E DYS-
  K9ESIA C MAKE P]=M+ "S TASKS1 L WRIT+1
  V DI6ICULT4 ,DYSK9ESIA 7UN.S SEV]E7
  MAY AL>M O!RS M ?AN X BO!RS Y4 ,H["E1
  IF YR ADVIS]S >E N FAMILI> ) ? SYMP-
  TOM1 EXPLA9+ X 9 ADV.E IS ADVISA#4
  7,S"EAL (! SYMPTOMS DESCRIB$ 9 ? EXAM-
  PLE >E N UNIQUE 6,,PD4 ,= EXAMPLE1 MO-
  TOR FLUCTU,NS >E APP>5T 9 ,,ALS &
  ,HUNT+TON'S PATI5TS1 :ILE DYSK9ESIA
  O3URS Z A SIDE E6ECT ( "S M$IC,NS47

    ,EXAMPLE3 ,L>G] ,ADVIS] ,ROLE
,:AT ROLE %D YR ATTORNEY & O!R ADVIS]S
PLAY8 ,9 MO/ 9/.ES1 ADVISORS "W DIRECTLY
) _! CLI5T4 ,H["E1 DEP5D+ ON YR
-------------------------------------#CB
SYMPTOMS & ESPECI,Y Z YR ILL;S PROGRESS-
ES1 "! MAY 2 "TS :5 YR ADVIS]S CD HELP Y
MO/ 0-MUNICAT+ ) YR FIDUCI>IES 7AG5T "U
A P[] ( ATTORNEY7 & LOV$ "OS         #HE
DIRECTLY4 ,6FACILITATE ?1 SPECIF-   A#CB
IC /EPS 6AU?ORIZE -MUNIC,N ) O!RS M/ 2
TAK54 ,IF YR ILL;S W EV5TU,Y RESULT 9
DE;TIA OR SUB/ANTIAL 9CAPAC;Y1 ? PO9T %D
2 A4RESS$ :5 Y >E F/ DECID+ : ADVIS]S TO
RETA94 ,Y %D FOCUS ON EXP]I;ED PRACTI;N-
]S :O WON'T ABUSE ! AU?OR;Y Y >E GIV+
!M1 & :O >E 3SCI5TI\S 5 N 6NEGLECT ! RE-
SPONSIBIL;Y Y >E DELEGAT+4 ,Z NO SUR-
PRISE1 ! 9T]NET & -PUT]-PREP>$ LEGAL =MS
N ONLY WON'T A4RESS ? NU.E1 B !Y _C PRO-
VIDE ? DEGREE ( HELP4 ,SIMIL>LY1 YR FAM-
ILY ATTORNEY :O IS NE>LY #HJ YE>S OLD1
IS N AN ID1L C&IDATE4

  ,= ATTORNEYS1 R1*+ \ 6FAMILY MEMB]S IF
N AU?ORIZ$ 6D S 0_! CLI5T MAY 3/ITUTE A
VIOL,N ( ATTORNEY E?ICS S ADV.ED PREP>,N
IS REQUIR$4 ,3SID] 9CLUD+ AN 8AU?ORIZ,N
6-MUNICATE0 9 ! RETA9] AGREE;T & EV5 9
SPECIFIC E/ATE PLANN+ DOCU;TS 7E4G41 A
DURA# P[] ( ATTORNEY74
7777777777777777777777777777777777777777
    ,SAMPLE ,PROVI.N
,I EXPRESSLY AU?ORIZE ,7ATTORNEY     #HF
"N7' 6-MUNICATE )! AG5T "ND "U MY   B#CB
DURA# P[] ( ATTORNEY1 H1L? C>E PROXY1 Z
WELL Z MY W1L? MANAG] ,7ADVISOR "N7'1 &
MY C]TIFI$ PUBLIC A3.TANT ,7,,CPA "N7'4
,COLLECTIVELY MY AG5T & A3.TANT "ND "H9
>E REF]R$ 6Z 8,RECIPI5TS40 ,I "U/& T
,7ATTORNEY "N7' W H 6EX]CISE JUDG;T Z TO
:AT -MUNIC,N IS APPROPRIATE 9 ! CIRCUM-
/.ES4 ,"!=E1 ,I AU?ORIZE ,7ATTORNEY "N7'
9 H] SOLE 4CRE;N 6-MUNICATE1 OR N -MUNI-
CATE1 ) ANY P]SON "ND Z A ,RECIPI5T1 OR
ANY SU3ESSOR OR ALT]NATE 6!M DESIGNAT$ 9
! SAME DOCU;T APPO9T+ A ,RECIPI5T4 ,I
"U/& & AGREE T ? AU?ORIZ,N MAY 3/ITUTE
AN EXPRESS WAIV] (! ATTORNEY-CLI5T PRIV-
ILEGE T ,I H ) ,7ATTORNEY "N7'4 ,I1 ON
2HALF ( MYF & MY E/ATE1 SU3ESSORS & AS-
SIGNS1 HOLD ,7ATTORNEY "N7' H>M.S F !
EX]CISE OR NONEX]CISE ( ? P[]4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
-------------------------------------#CC
  ,SIMIL> /EPS MAY 2 ADVISA# 6TAKE ) YR
O!R ADVIS]S4 ,= EXAMPLE1 Y MAY SIGN A
,,HIPAA REL1SE T P]MITS YR 9SUR.E 3SUL-
TANT 6SP1K ) YR AG5T OR O!RS4 ,!     #HG
9VE/;T POLICY /ATE;T 7,,IPS7 Y      A#CC
SIGN ) YR W1L? MANAG] 7! DOCU;T T E/AB-
LI%ES ! MANN] 9 : YR FUNDS W 2 9VE/$7
MI<T 2 MODIFI$ 6EXPRESSLY AU?ORIZE YR
W1L? MANAG]'S -MUNIC,N ) YR F9ANCIAL
AG5T4

  ,IF ,Y ,C'T ,AF=D AN ,E/ATE ,PLANN]

,:E!R YR RES\RCES >E V LIMIT$ OR YR ES-
TATE SUB/ANTIAL1 ? BOOK W GIVE Y GUID.E
ON H[ 6MAKE SURE YR PLANN+ & DOCU;TS >E
CRAFT$ 6A4RESS ! SPECIAL CIRCUM/.ES YR
*RONIC ILL;S CR1TES1 & 6HELP Y M9IMIZE
LEGAL & O!R PROFES.NAL FEES4 ,H["E1 IF Y
DON'T H SU6ICI5T FUNDS 6SP5D1 H[ C Y OB-
TA9 ! B5EFITS (! ID1S & SAMPLE PROVI.NS
3TA9$ 9 ? BOOK8 ,IF Y'RE DO+ X AL"O US+
A -PUT] PROGRAM = DOCU;TS1 Y C MODIFY ^?
DOCU;TS 6REFLECT ! 9=M,N1 ID1S1 & SAMPLE
PROVI.NS & =MS 9 ? BOOK & ^? PROVID$ ON
_+WWW.LAWEASY.COM_:4 ,H["E1 "! IS N"E A
SUB/ITUTE =! JUDG;T ( AN EXP]I;ED E/ATE
PLANN+ ATTORNEY4 ,"O APPROA* IS =! OR-
GANIZ,NS S]V+ P ) YR "PICUL>         #HH
*RONIC ILL;S 6SET UP PROGRAMS )     B#CC
VOLUNTE] ATTORNEYS & O!R PLANN]S 6HELP
^? :O _C AF=D LEGAL HELP 6GET X4

    ,GET ,9VOLV$
,IF AN ASSOCI,N Y'RE 9VOLV$ ) HE$S !
CALL 6E/ABLI% ^! PROGRAMS1 OR 8E/ATE
PLANN+ "DS10 9 YR >EA Y MI<T 2 A# 6A3OM-
PLI% ALL ( ? AT LL OR NO CO/4 ,"! >E
MYRIAD WOND];L ORGANIZ,NS EA* TYPIC,Y
D$ICAT$ 6AID+ ^? SU6]+ )A "PICUL> *RONIC
ILL;S1 RAIS+ FUNDS = RESE>* & PROGRAMM+1
ETC4 ,IF EA* ( ^? ORGANIZ,NS WD ORGANIZE
AN E/ATE PLANN+ "D ON ! LOCAL *APT] LEV-
EL1 A M* BETT] LEVEL ( HELP C 2 PROVID$4
,= ^? SU6]+ )A SIMIL> *RONIC ILL;S & IN-
-E & NET WOR? LEVELS 2L C]TA9 ?RE%OLDS1
"! %D 2 SUB/ANTIAL SIMIL>ITIES 9 _M (!
DOCU;TS & PLANN+ /EPS 6MAKE AN E/ATE
PLANN+ "D ORGANIZ$ 0A "PICUL> ORGANIZ,N
F1SI# 6RUN4
-------------------------------------#CD
      ,:AT ,? ,BOOK ,DOESN'T ,COV]

,? BOOK DOES N A4RESS A NUMB] (      #HI
ISSUES T RCV M* M$IA ATT5;N1 & :    A#CD
>E 9CLUD$ 9 MO/ E/ATE PLANN+ BOOKS4 ,?
IS D"O 9T5;N,Y1 S R1D ON4

    ,PROBATE
,? BOOK DOESN'T RE,Y A4RESS PROBATE
AVOID.E 6A GRT EXT5T4 ,PROBATE IS !
PROCESS 0: AN E/ATE IS SETTL$ AF "S"O
DIES4 ,TOO (T51 AVOID+ PROBATE 2COMES !
FOCUS ( AN 5TIRE E/ATE PLAN4 ,:ILE "! C
2 B5EFITS ( AVOID+ PROBATE1 "S"TS SUB-
/ANTIAL "OS1 T GOAL %D N"E 2 ! FOCUS (
YR E/ATE PLAN4 ,! PRIM>Y GOAL ( YR E/ATE
PLAN 7OR IF Y >E A ,/> ,TREK FAN1 !
8,PRIME ,DIRECTIVE07 IS 6TAKE C>E ( .Y4
,PROBATE ONLY O3URS :5 Y DIE4 ,FUR!R1 IF
Y [N ASSETS JO9TLY ) YR SP\SE1 "PN]1 OR
O!R 9T5D$ B5EFICI>IES 7SEE ,*APT] #C7
Y'LL AVOID PROBATE4 ,AL1 _M IF N MO/ (
YR ASSETS MAY N"E 2 SUBJECT 6PROBATE
ANYWAY 2C !Y PASS 6HEIRS )\T ! =MAL PRO-
BATE PROCESS 7E4G41 RETIRE;T ASSETS &
9SUR.E PASS 0B5EFICI>Y DESIGN,NS1 N PRO-
BATE74 ,PROBATE %D J N 2 ! FOCUS ( YR
PLANN+4 ,IF YR E/ATE IS MODE/ 5 =    #IJ
Y 6USE ! =MS 9 ? BOOK 7SAY "U       B#CD
4#EJJ1JJJ7 PROBATE W 9 MO/ CASES N 2 T
BIG (A D1L4 ,MO/ IMPORTANTLY1 PLANN+ TO
M9IMIZE PROBATE IS NO DI6]5T = "S"O )A
*RONIC ILL;S & ANY"O ELSE1 S "! >E FEW
NEW PLANN+ ID1S 6BE PROVID$4 ,F9,Y1 A
TREM5D\SLY P[];L TOOL 6PROTECT Y F !
4ABILITIES1 DE;TIA OR O!R MANIFE/,NS (
YR *RONIC ILL;S IS 6USE A REVOCA# LIV+
TRU/4 ,"! IS NO M P[];L ME*ANISM 6PRO-
TECT Y "? 4ABIL;Y4 ,? SAME TE*NIQUE1 !
LIV+ TRU/1 C EASILY 2 US$ 6AVOID PRO-
BATE4 ,9 FACT1 ? IS ! MO/ -MON USE (
LIV+ TRU/S4 ,?US1 PLANN+ 6MANAGE YR AS-
SETS DUR+ 4ABIL;Y MAY AL AVOID PROBATE4
,SEE ,*APT] #AJ4

    ,E/ATE ,TAXES
,= W1L?Y TAXPAY]S SEEK+ 6M9IMIZE E/ATE
TAXES1 :O AL SU6] F A *RONIC ILL;S1 !
CORE ( PLANN+ &! MODIFIC,NS >E SIMIL> TO
^? 4CUSS$ 9 ? BOOK4 ,S EV5 W1L?Y R1D]S C
B5EFIT F ALL ! TOPICS 4CUSS$ 9 ? BOOK4
,H["E1 ^? ) L>GE E/ATES W H 6LAY] ?
BOOK'S PLANN+ ID1S )! TAX1 ASSET     #IA
PROTEC;N1 & O!R                     C#CD
-------------------------------------#CE
PLANN+ TYPIC,Y PURSU$ 0W1L?Y TAXPAY]S4
,ISSUES ( -PET5CY1 "T FRAME1 MANAGE;T1 &
S ON NE$ 6BE 3SID]$ REG>D.S ( W1L?4 ,"!-
=E1 DETAILS ( ACTUAL TAX /RATEGIES >E 2Y
! SCOPE ( ? BOOK4
  ,! F$]AL E/ATE TAX DOES N APPLY 9
#BJJH UN.S YR E/ATE 7! NET VALUE ( ALL Y
[N7 EXCE$S 4#B MILLION4 ,? FIGURE IS
S*$UL$ 69CR1SE 64#C.E MILLION 9 #BJJI4
,:ILE X'S IMPOSSI# 6DET]M9E :AT *ANGES
MI<T O3UR )! F$]AL E/ATE TAX1 X'S FAIRLY
SAFE 6ASSUME T Y'D H 6BE 9 ! W1L?IE/ C\-
PLE ( P]C5T (! C.TRY 9 T]MS ( NET WOR?
6H 6BE 3C]N$4 ,IF Y H ANY": NE> T AM.T (
M"OY1 Y NE$ 6HIRE AN E/ATE PLANN+ ATTOR-
NEY1 & Y C AF=D 6D S4 ,? BOOK W / GIVE Y
A LOT ( 9=M,N 6TAILOR YR CU/OMIZ$ E/ATE
PLAN 6A4RESS PLANN+ )A *RONIC ILL;S1 B Y
%D N EV5 3SID] US+ ! SAMPLE =MS4 ,TOO _M
E/ATE PLANN+ & W BOOKS FOCUS ON TAXES :5
X IS SIMPLY N AN ISSUE =! VA/ MAJOR;Y (
,AM]ICANS4 ,TRY ? /ATI/IC ON = SIZE4
,ONLY #AH1DCA E/ATES FIL$ E/ATE      #IB
TAX RETURNS )! ,,IRS 9 #BJJD4 ,T    A#CE
0 LESS ?AN #A P]C5T (! E/ATES ( ALL P :O
DI$ 9 #BJJD 7#.H P]C5T1 6BE EXACT74
  ,! FIGURE %D 2 L[] 9 LAT] YE>S Z !
AM.T Y C GIVE AWAY AT D1? )\T AN E/ATE
TAX 9CR1SES4 ,& HEY1 IF Y H T K9D ( M"OY
Y C]TA9LY C AF=D AN ATTORNEY 6CU/OMIZE
DOCU;TS4 ,S :AT IS ALL ! FUSS AB ! EVIL
D1? TAX8 ,WELL1 X MI<T J H "S?+ 6D )
POLITICS & N R1L;Y4 ,B =! MAJOR;Y ( P )A
*RONIC 41SE1 ! E/ATE TAX IS A 4TRAC;N F
! R1L PLANN+ ISSUES4 ,N 6SAY T TAX PLAN-
N+ ISN'T IMPORTANT2 X IS4 ,9COME TAX IS-
SUES >E SIGNIFICANT TOO4 ,ASSETS [N$ ON
D1? GET A 8/EP UP 9 BASIS40 ,? M1NS T !
CO/ OR 9VE/;T 9 ^? ASSETS IS 9CR1S$ 6!
FAIR VALUE AT D1?1 : C AVOID ALL CAPITAL
GA9S TAX4 ,_M /ATES H E/ATE OR 9H]IT.E
TAXES T 2G9 AT M* L[] LEVELS ?AN ! F$]AL
AM.T4 ,B AG1 IF TAXES C 2 AN ISSUE1 GET
PROFES.NAL HELP = ALL YR PLANN+4 ,B :AT-
"E Y D1 DON'T LOSE YR FOCUS ON TAK+ C>E
( YRF & A4RESS+ ! NU.ES ( YR *RONIC ILL-
;S 9 ALL YR PLANN+ DOCU;TS4
                                     #IC
    ,M$ICAID & SIMIL> PLANN+        B#CE
,M$ICAID IS A GOV]N;T PROGRAM T PROVIDES
C]TA9 B5EFITS 6P]SONS ) M9IMAL RES\RCES4
,"! >E _M PLANN+ ISSUES T ^? LIV+ )
*RONIC ILL;S NE$ 6A4RESS4 ,9 FACT1 F A
F9ANCIAL P]SPECTIVE1
-------------------------------------#CF
QUALIFY+ = ^! PROGRAMS MAY 2 ! MO/ IM-
PORTANT /EP Y C TAKE 6SECURE YR F9ANCIAL
FUTURE4 ,^! MATT]S1 H["E1 W N 2 A4RESS$
6A SIGNIFICANT DEGREE 9 ? BOOK1 O!R ?AN
A BRIEF 4CUS.N ( H[ !Y IMPACT PROVI.NS
YR FAMILY OR LOV$ "OS MAY WI% 69CLUDE 9
_! E/ATE PLANN+ DOCU;TS 6PROTECT Y4 ,SEE
,*APT] #AB4 ,M$ICAID & SIMIL> PLANN+ HAS
BE5 A4RESS$ 9 O!R BOOKS & RES\RCES
AVAILA# 6^? LIV+ ) *RONIC ILL;S4 ,6AD-
DRESS X "H WD ONLY DETRACT F ! FOCUS ( ?
BOOK1 &! 9=M,N 3TA9$ "H9 IS N AVAILA#
ELSE":4

             ,*APT] ,SUMM>Y
7777777777777777777777777777777777777777
,? *APT] HAS PROVID$ AN 9TRODUC;N & OV]-
VIEW 6:AT ! E/ATE PLANN+ PROCESS     #ID
IS AB1 & H[ X M/ 2 MODIFI$ 6AD-     A#CF
DRESS ! NU.ES (A RANGE ( DI6]5T *RONIC
ILL;SES4 ,9 ORD] 6PROTECT YRF1 E/ATE &
F9ANCIAL PLANN+ IS VITAL4 ,H["E1 ! PLAN-
N+ T IS 8/&>D0 & APPLICA# =! 8TYPICAL0
P]SON SIMPLY WON'T SU6ICE 6A4RESS YR
NE$S4 ,! FOLL[+ *APT]S A4RESS EA* (! IM-
PORTANT ISSUES & DOCU;TS Y'LL NE$ 6AD-
DRESS E/ATE PLANN+ & YR SPECIAL NE$S4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG














                                     #IE
                                    B#CF























                                     #IF