,,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 #B
      ,BRL PAGES P#A-P#F & #IG-AIJ
          ,PR9T PAGES #CG-A#HC       P#A
























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

@& AMP]S&
_/ SLA%
,' 7#F1 #C7 TRANSCRIB]'S NOTE SMMBOL
,' 7#F1 #C7 T]M9,N SIGN
@+ PLUS SIGN
@* MULTIPLIC,N1 "TS SIGN
@4 DOLL> SIGN

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









                                     P#C
          ,TRANSCRIB]'S ,NOTES

  ,": ! 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#D
                ,,3T5TS
,*APT]                             ,PAGE
#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















                                     P#E
























                                     P#F
               ,,*APT] #C            #CG

      ,ORGANIZ+ ,LEGAL1 ,F9ANCIAL1
             & ,O!R ,9=M,N

         ,! ,KEY 6,YR ,SECUR;Y

      ,:Y ,X ,IS ,VITAL 6,ORGANIZE
               ,YR ,9=M,N

,IF Y DON'T "K :AT Y H1 Y _C PLAN = X4
,PRETTY SIMPLE & /RAI<T=W>D4 ,"EY"O "U-
TAK+ E/ATE & F9ANCIAL PLANN+ NE$S 6/>T
0ORGANIZ+ ALL ( _! LEGAL1 F9ANCIAL1 TAX1
& O!R IMPORTANT 9=M,N4 ,ORGANIZ,N IS ES-
S5TIAL 6YR PROP] 9VE/;T PLANN+1 ASSUR+
APPROPRIATE 9SUR.E COV]AGE1 OPTIMAL [N]-
%IP 7TITL+7 ( ASSETS1 & DET]M9+ :AT TYPE
( E/ATE PLANN+ DOCU;TS Y NE$4 ,ORGANIZ,N
( YR RECORDS & DOCU;TS IS A PREREQUISITE
6YR E/ATE PLANN+3

,YR W GOV]NS ONLY ^? ASSETS T PASS "? YR
  E/ATE 7PROBATE74 ,IF Y H A BROK]AGE
  A3.T T IS ,,POD 7PAY ON D1?7 6A    #IG
  NIECE1 X W PASS AUTOMATIC,Y 6H]   A#CG
  ON YR D1?4 ,YR W IS IRRELEVANT4 ,A3U-
  RATE F9ANCIAL DATA IS ESS5TIAL 6DET]-
  M9E H[ YR ASSETS W 2 4TRIBUT$ AT D1?4
  ,FILL+ 9 A *1P W ON AN 9T]NET SITE
  WON'T PROVIDE Y ) ? TYPE ( GUID.E4
,MAK+ SURE Y H PROP] PROP]TY & CASUALTY
  9SUR.E REQUIRES AN "U/&+ ( :AT ASSETS
  Y H4
,A DURA# P[] ( ATTORNEY1 AN ESS5TIAL
  DOCU;T = "EY"O 7ESPECI,Y "S"O )A *RON-
  IC ILL;S71 IS ( LIMIT$ PRACTICAL USE
  IF YR AG5T DOESN'T H ! NEC 9=M,N 6ACT4
-------------------------------------#CH
,A REVOCA# LIV+ TRU/ IS ! MO/ P[];L ES-
  TATE & F9ANCIAL PLANN+ TOOL 6PROTECT
  Y4 ,B 6GA9 ! OPTIMAL B5EFIT ( ? TOOL1
  Y & YR ADVIS]S H 6ID5TIFY : ASSETS C1
  & : _C1 2 TRANSF]R$ 6YR LIV+ TRU/4

  ,2C Y H A *RONIC ILL;S1 ? /EP TAKES ON
EV5 GRT] IMPORT.E4 ,NO MATT] :AT YR
PROGNOSIS1 X IS M LIKELY T A "T W -E :5
Y >E UNA# 6-PLETE ALL NEC TASKS YRF & W
REQUIRE ! ASSI/.E ( O!RS4 ,Y WANT    #IH
6BE HYP]ORGANIZ$ & KEEP ALL YR      A#CH
RECORDS Z SIMPLE Z POSSI#4 ,! OLD ,,KISS
PR9CIPAL 7KEEP X SIMPLE1 /UPID7 %D 2 YR
GOAL4 ,IF YR 41SE MAY CAUSE COGNITIVE
SYMPTOMS1 Y MAY "O "D R1* A PO9T ": Y W
N 2 A# 69/RUCT P :AT 6D & H[ 6ACT OR
GIVE !M P]T95T 9=M,N4 ,ORGANIZ+ "EY?+ 2F
T PO9T W 5SURE AN EASI] "T = ALL 3C]N$4
,EV5 IF YR 41SE HAS NO COGNITIVE SYMP-
TOMS1 Y MAY 2COME B$RI451 HOSPITALIZ$1
OR MAY REQUIRE SURG]Y1 DUR+ : Y >E UNA#
6P]=M ^! TASKS YRF4 ,0SY/EMATIC,Y CATE-
GORIZ+ & LABEL+ ALL IMPORTANT DOCU;TS1 Y
C MAKE ATT5D+ 6YR NE$S A SIMPLE TASK =
YR AG5T & YR LOV$ "OS :O HELP \4

,! M ORGANIZ$ YR DOCU;TS & F9.ES >E1 !
  EASI] X W 2 = Y 6RETA9 Z M* 3TROL YRF1
  Z L;G Z POSSI#4 ,IF Y C 3SOLIDATE ALL
  YR F9ANCIAL ASSETS 96"O 9/ITU;N1 PREF-
  ]ABLY )A S+LE /ATE;T = ALL ( YR A3.TS1
  !Y W 2 EASI] 6MONITOR1 ESPECI,Y IF Y
  EXP]I;E COGNITIVE ISSUES4
,IF YR A6AIRS >E CLE>1 SIMPLE1 & ORGAN-
  IZ$1 Y C REMA9 9VOLV$ & 9 3TROL    #II
  6! MAXIMUM EXT5T POSSI#1 TURN+    B#CH
  OV] ! POR;NS ( YR F9.ES Y NE$ HELP )
  9CRE;T,Y1 R ?AN ALL AT "O "T4
,DEP5D+ ON H[ YR ILL;S PROGRESSES1 Y MAY
  EV5TU,Y NE$ "S"O 6TAKE OV] POR;NS (!
  F9ANCIAL & ADM9I/RATIVE "W4 ,! EASI]1
  M ORGANIZ$1 & M AUTOMATIC1 ! BETT] !Y
  W D4 ,? W ALL[ YR AG5T 6SP5D ! MO/ "T
  "W+ ON :AT Y NE$1 N SCRAMBL+ 6F9D IM-
  PORTANT DOCU;TS4
,ORGANIZ,N W CR1TE AN EASILY ID5TIFIA#
  HI/ORY ( :AT Y'VE D"O 9 ! PA/4 ,? C
  PROVIDE VALUA# GUID.E = ^? HELP+ Y \
  IF AT "S FUTURE PO9T Y _C -MUNICATE YR
  WI%ES4 ,=
-------------------------------------#CI
  EXAMPLE1 A -PUT]IZ$ *ECKBOOK W PO9T \
  YR PATT]N ( GIFTS1 *>ITA# DON,NS1 & S
  ON4

        ,H[ 6,ORGANIZE ,YR ,9=M,N

,A SIMPLE & E6ECTIVE WAY 6ORGANIZE YR
IMPORTANT DOCU;TS & 9=M,N IS 6SET UP A
PRIM>Y LOOSE-L1F B9D] 9 : Y W       #AJJ
/ORE MO/1 IF N ALL1 ( YR DOCU;TS4   A#CI
,Y MAY WANT 6KEEP 9 M9D T IF Y SU6] F
JO9T PA9 OR /I6;S OR MOTOR PRO#MS1 OP5+
LOOSE-L1F B9D]S MAY 2COME DI6ICULT = Y1
& AN ALT]NATE SOLU;N CD 2 A SY/EM ( COD$
FILE FOLD]S1 P]H 9 A ROLL+ B94 ,! ADVAN-
TAGE (A B9D] OV] FOLD]S IS T PAP]S WON'T
FALL \ & GET LO/4 ,AN IN-2T APPROA* T IS
EASI] IF Y H H& DEXT];Y ISSUES B IS LESS
PR"O 6PAP]S FALL+ \1 IS AN A3ORDION FILE
SOLD 9 (FICE SUPPLY /ORES4 ,FIGURE \ :AT
"WS BE/ = Y1 & IF ! APPROA* Y'VE *OS5
2COMES IMPRACTICAL OR DI6ICULT1 Y C ALW
*ANGE4
  ,:AT"E FIL+ SY/EM Y USE1 ! NEXT /EP IS
6CR1TE TABS & LABEL !M = EA* (! CATEGO-
RIES ( DOCU;TS 3TA9$ 9 YR PRIM>Y B9D]4
,TAK+ "S "T 6PLAN \ H[ Y W ORGANIZE YR
F9ANCIAL & LEGAL DOCU;TS IS IMPORTANT4
,Y WANT A SIMPLE APPROA* T MAKES X R1DI-
LY OBVI\S 6ANY"O -+ 9 6HELP Y :AT IS
FIL$ ":4 ,Z YR COGNITIVE ABILITIES DE-
CL9E1 X W 2 EASI] 6/AY ON TOP ( "EY?+4
,COLOR COD+ 7E4G41 TABS = LEGAL DOCU;TS
9 BLUE1 ASSETS 9 GRE51              #AJA
LIABILITIES & CR$IT C>DS 9 R$1      B#CI
ETC47 C HELP TOO4 ,IF Y H A -PLEX SITU,N
) RESPECT 6A "PICUL> TAB_/CATEGORY1 Y
NE$ 6SET UP A SEP>ATE SUPPLE;TAL LOOSE-
L1F B9D] = ^? DOCU;TS4 ,DEP5D+ ON YR
SITU,N1 Y MAY NE$ 6USE "O OR M SUPPLEM5-
T>Y LOOSE-L1F B9D]S 9 A4I;N 6YR PRIM>Y
B9D]4

    ,EXAMPLE
,LET'S ASSUME Y H A HOME-BAS$ BUSI;S4 ,9
YR PRIM>Y B9D]1 Y MI<T 9CLUDE SUMM>Y DA-
TA ON ! BUSI;S & 9DICATE T "! IS A SEPA-
RATE B9D] OR FOLD] SY/EM =! BUSI;S4 ,?
WAY1 Y C BR1K \ ! BUSI;S DOCU;TS & F9.ES
) APPROPRIATE DETAIL 6BE HELP;L 6Y OR
"S"O HELP+ Y \ )\T CLUTT]+ YR G5]AL FI-
N.ES & LEGAL RECORDS4
-------------------------------------#DJ
  ,^! PROP]LY ORGANIZ$ B9D]S 7FOLD]S OR
O!R FILES7 >E NEC 6ID5TIFY ! PLANN+ /EPS
T C IMPROVE YR LEGAL1 TAX1 OR F9ANCIAL
SITU,N4 ,ANY "T Y SET UP A SUPPLE;T>Y
B9D] 6H&LE PAP]"W 9 A "PICUL> >EA1 2
SURE 6REF];E T SUPPLE;TAL B9D] 9    #AJB
YR PRIM>Y B9D]4 ,?US ANY HEIR1      A#DJ
AG5T1 BUSI;S "PN]1 ETC41 W 2 DIRECT$ 6!
A4I;NAL 9=M,N4
  ,^! >E POSSI# SEC;NS 63SID] :5 ORGAN-
IZ+ YR FIL+ SY/EM4 ,IF "O DOES N APPLY1
Y MAY OMIT X4 ,ADD A4I;NAL -PON5TS OR
SEC;NS T MI<T MAKE S5SE = Y4

#A4 ,3T5TS
#B4 ,EM]G5CY
#C4 ,BASIC BACKGR.D 9FO
#D4 ,M$ICAL & H1L? 9=M,N
#E4 ,BANK+ & F9ANCIAL 9FO
#F4 ,CR$IT C>DS & LIABILITIES
#G4 ,SECURITIES & O!R 9VE/;TS
#H4 ,9SUR.E 9FO
#I4 ,E/ATE PLANN+ DOCU;TS
#AJ4 ,TAX 9FO
#AA4 ,BUSI;S 9T]E/S
#AB4 ,P]SONAL PROP]TY
#AC4 ,R1L E/ATE RECORDS
#AD4 ,RETIRE;T ASSET 9FO
#AE4 ,MISCELLANE\S ASSETS
#AF4 ,WALLET
#AG4 ,BUDGET+                       #AJC
        ,": 6,KEEP ,YR ,RECORDS1    B#DJ
           ,DOCU;TS1 & ,9=M,N

,ONCE Y H ASSEM#D & ORGANIZ$ YR DOCU;TS
96A B9D] OR FOLD] SY/EM1 Y NE$ 6DECIDE
": 6PLACE !M S !Y C 2 EASILY R1*$ 9 AN
EM]G5CY4 ,IF Y H A FIL+ CAB9ET OR A HOME
(FICE1 X MAY 2 A GD IDEA 6/ORE YR B9D]
"!1 S9CE X W PROBABLY 2 ! F/ PLACE "S"O
W LOOK4 ,X IS AL IMPORTANT 69=M YR
AG5TS1 SP\SE1 & O!R LOV$ "OS AB ! LOC,N
( YR DOCU;TS1 S !Y H
-------------------------------------#DA
EASY A3ESS 6"EY?+ 9 CASE ( AN EM]G5CY4
,KEEP 9 M9D1 T IF YR 41SE 9CLUDES COGNI-
TIVE SYMPTOMS1 ? SY/EM MAY AL 2 DESIGN$
6ASSI/ Y Z YR 41SE PROGRESSES4 ,S KEEP
YR B9D] "S": T IS EASILY A3ESSI# & LOGI-
CAL = Y 7I4E41 9 A PLACE Y USU,Y KEEP
?+S ( ? K9D1 N HI45 9 "S LOC,N Y SELDOM
USE OR SEE74 ,A FIRE-PRO( FILE CAB9ET
MI<T 2 AN ID1L LOC,N4


                                    #AJD
          ,-PUT]IZE ,YR ,F9.ES      A#DA

,"O (! MO/ PRODUCTIVE ?+S Y C D IS 6COM-
PUT]IZE YR F9.ES & RELAT$ MATT]S4 ,! CO/
( -PUT]S HAS DECL9$ DRAMATIC,Y OV] !
YE>S1 :ILE ! CAPABILITIES H 9CR1S$4 ,!
MO/ SIGNIFICANT B5EFIT ( -PUT]IZ,N IS T
Y C AUTOMATE _M TASKS1 : MAKES X SAF] &
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]4 ,"H >E "S (! WAYS -PUT]IZ,N C HELP3

,IF YR *ECKBOOK & 9VE/;T A3.TS >E -PUT]-
  IZ$1 Y C USE A L>GE SCRE5 6MAGNIFY
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  DATA OV] ! 9T]NET E NI<T4 ,! M Y AUTO-
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  A RESULT ( DEXT];Y OR O!R ISSUES4 ,NO
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  AVOID ! 5VELOPE /U6+ & O!R TASKS T MAY
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,Y C EASILY BACK UP SELECT$ DATA 6GIVE
  6YR A3.TANT 6HELP Y ) TAX PLANN+ OR
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  RETURNS >E SIMPLE1 X'S EASY 6IMPORT YR
  DATA F A -PUT]IZ$ *ECKBOOK 96A TAX
  PREP>,N PROGRAM & D RETURNS ON YR [N4
  ,T N ONLY C 2 A HUGE M"OY SAV]1 B X AL
  ELIM9ATES A4I;NAL EF=TS
-------------------------------------#DB
  9VOLV$ 9 D1L+ ) AN \TSIDE A3.TANT4
  ,H["E1 IF YR SITU,N IS -PLEX OR Y H A
  BUSI;S1 SP5D ! M"OY & MAKE ! EF=T 6USE
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  Y -PLETE MO/ (! IMPORTANT BUDG-   A#DB
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  SONAL *ECKBOOK & F9ANCIAL A3.T RECORDS
  9 S* A PROGRAM1 A PR9T\T ( YR NET WOR?
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  ATE A BUSI;S7 W 2 A HELP;L ADD-ON 6YR
  DOCU;TS4 ,? REPORT W AL 9CLUDE M* (!
  DATA YR E/ATE PLANN] NE$S4

         ,:AT ,9=M,N ,6,ORGANIZE

    ,E/ATE ,PLANN+ ,DOCU;TS
,ONCE Y'VE F9ALIZ$ & SIGN$ ALL ! APPRO-
PRIATE DOCU;TS 4CUSS$ 9 ? BOOK1 Y NE$ TO
ORGANIZE !M 6MAKE !M A3ESSI# 6^? :O W
HELP Y4 ,Y %D SIGN ONLY "O ORIG9AL W4
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O!R DOCU;TS4 ,? W 5A# Y 6RETA9 AN ORIGI-
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AG5T OR O!R FIDUCI>Y 7E4G41 TRU/EE7 & YR
LAWY]4 ,2L IS A BR1KD[N ( ": DOCU;TS C 2
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ORIG9AL IS 9 YR SAFE DEPOSIT BOX1   B#DB
SAFE1 ETC41 Y C NOTE ON YR COPY ": !
ORIG9AL IS KEPT4

.,P[] .( .ATTORNEY4 ,AN ORIG9AL ) YR
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  C'T71 AN ORIG9AL ) YR P]SONAL PAP]S4
  ,Y MI<T AL GIVE A COPY 6YR F9ANCIAL
  PLANN] 7W1L? MANAG]74
.,LIV+ .W4 ,AN ORIG9AL ) YR LAWY]1 AN
  ORIG9AL )! F/ AG5T 7P]SON "ND 9 ! P[]
  6HELP ) YR H1L? C>E DECI.NS IF
-------------------------------------#DC
  Y _C71 A COPY ) EA* SU3ESSOR AG5T 7!
  AG5TS :O S]VE IF YR F/ AG5T C'T71 AN
  ORIG9AL ) YR P]SONAL PAP]S4 ,Y MI<T AL
  GIVE A COPY 6YR ATT5D+ PHYSICIANS
  7E4G41 YR 9T]NI/ & NEUROLOGI/74
.,,HIPAA .REL1SE4 ,AN ORIG9AL ) YR LAW-
  Y]1 AN ORIG9AL )! F/ AG5T 7P]SON "ND 9
  ! P[] 6HELP ) MONITOR+ YR M$ICAL IS-
  SUES71 & AN ORIG9AL ) YR          #AJH
  P]SONAL PAP]S4 ,Y MI<T AL GIVE    A#DC
  AN ORIG9AL 6YR ATT5D+ PHYSICIAN7S74
.,H1L? .C>E .PROXY4 ,AN ORIG9AL ) YR
  LAWY]1 AN ORIG9AL )! F/ AG5T 7P]SON
  "ND 9 ! P[] 6HELP ) YR H1L? C>E DECI-
  .NS IF Y _C71 A COPY ) EA* SU3ESSOR
  AG5T 7! AG5TS :O S]VE IF YR F/ AG5T
  C'T71 & AN ORIG9AL ) YR LAWY]4 ,Y MI<T
  AL GIVE A COPY 6EA* ATT5D+ PHYSICIAN &
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  RECORDS4 ,? %D BASIC,Y 2 ! SAME Z YR
  LIV+ W4
.,W4 ,9 MO/ CASES1 YR LAWY] %D HOLD YR
  ORIG9AL W4 ,H["E1 MAKE SURE T "! W 2
  NO *>GE = YR FAMILY 6GET ! W IF !Y OPT
  6USE ANO!R ATTORNEY AF YR D1?4 ,Y %D
  AL SPECIFIC,Y 9QUIRE Z 6:AT /EPS YR
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  ,DOES ! ATTORNEY HOLD X 9 A FIREPRO(
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  DEPOSIT BOX78 ,H[ DOES ! ATTORNEY
  TRACK ORIG9AL WILLS8 ,IF ! ATTORNEY IS
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  %E DIES8 ,Y %D H A COPY4 ,:E!R Y GIVE
  YR EXECUTOR 7& SU3ESSOR           #AJI
  EXECUTOR7 A COPY DEP5DS ON !      B#DC
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  COPIES ( YR W 9 CASE YR FEEL+S *ANGE &
  Y WANT 6*ANGE :O 9H]ITS YR ASSETS4
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  TIVELY1 Y MI<T KEEP ! ORIG9AL & GIVE
  PHOTOCOPIES 6YR LAWY] & COTRU/EE4 ,X'S
  AL ADVISA# 6GIVE COPIES 6YR SU3ESSOR
  TRU/EES Z !Y W 2 RESPONSI# = YR PRO-
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  DET]IORATES 6! PO9T Y _C S]VE OR IF !
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  ,YR A3.TANT MAY WANT A COPY (! TRU/ =!
  P]MAN5T FILES T A3.TANTS TYPIC,Y MA9-
  TA9 = CLI5TS4 ,F9,Y1 YR BANK & 9VE/;T
  MANAG] MAY WANT COPIES 6OP5 UP TRU/
  BANK & BROK]AGE A3.TS4
-------------------------------------#DD
    ,O!R ,LEGAL ,RECORDS
,"! >E A NUMB] ( O!R IMPORTANT      #AAJ
LEGAL DOCU;TS = : Y MAY WANT 6OR-   A#DD
GANIZE TABS 9 YR FIL+ SY/EM4 ,! FOLL[+
IS A LI/+ ( "S (! MO/ -MON1 )A BRIEF EX-
PLAN,N ( H[ & :Y Y MI<T NE$ !M = YR ES-
TATE PLANN+4

.,DE$4 ,YR HOME MAY 2 YR L>GE/ ASSET1 S
  ! LEGAL DOCU;T T 3FIRMS YR [N]%IP IS
  IMPORTANT4 ,Y MI<T KEEP A COPY (! DE$
  2H ! TAB 7OR 9 A FILE7 LABEL$ 8,H\SE40
  ,Y MI<T AL KEEP A COPY (! TITLE 9SUR.E
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  O!R IMPORTANT RECORDS 9 ! SAME LOC,N4
  ,! DE$ IS VITAL = YR E/ATE PLANN] Z
  V]IFIC,N ( H[ YR H\SE IS [N$ 7TITL$74
  ,X IS ESS5TIAL 6YR PLAN T ! [N]%IP (
  YR HOME 2 3SI/5T ) YR O!R PLANN+4
.,DIVORCE .AGREE;T4 ,IF Y'RE DIVORC$1 A
  COPY (! AGREE;T1 & ANY ANCILL>Y DOCU-
  ;TS 7E4G41 Y MI<T H A SETTLE;T AGREE-
  ;T1 A C\RT DECREE1 ETC47 %D 2 KEPT
  TGR4 ,^! DOCU;TS >E ESS5TIAL = YR FI-
  NANCIAL & E/ATE PLANN+ Z !Y MAY 9DI-
  CATE IMPORTANT CA% FL[ 7E4G41 ALIMONY1
  * SUPPORT7 OBLIG,NS Y MAY H4      #AAA
  ,"! MAY AL 2 IMPORTANT 9=M,N      B#DD
  RELAT$ 6ASSETS %>$ ) YR EX-SP\SE4 ,=
  EXAMPLE1 YR EX-HUSB& MI<T [N HALF ( YR
  H\SE1 OR Y MAY [N HALF (! H\SE YR EX-
  WIFE RESIDES IN4 ,^! FACTS >E ESS5TIAL
  = YR PLANN]S 6"K4 ,FUR!RMORE1 AF AS-
  SEMBL+ ALL ! RELEVANT DOCU;TS1 Y MAY
  WANT 6MAKE "S NOT,NS Z 6H[ Y'VE D1LT )
  ISSUES OR RESPONSIBILITIES (! DIVORCE2
  ^! C 2 9VALUA# 6AN AG5T OR O!R FIDUCI-
  >Y TRY+ 6HELP Y4
.,BUSI;S .DOCU;TS4 ,! DOCU;TS FIL$ 6SET
  UP YR BUSI;S4

    ,F9ANCIAL ,RECORDS
.,LIFE .9SUR.E .POLICIES4 ,IF Y [N ANY
  9SUR.E1 Y'LL LIKELY WANT 6KEEP X 9
  =CE1 ESPECI,Y IF Y PUR*AS$ X 2F Y 7
  DIAGNOS$ ) YR ILL;S4 ,DETAILS ON !
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  POLICY %D 2 P]IODIC,Y REVIEW$ 6MAKE
  C]TA9 T X IS P]=M+ Z ANTICIPAT$1 & TO
  DET]M9E IF "! >E ANY OP;NS "U ! POLICY
  Y %D TAKE ADVANTAGE (4 ,= EXAMPLE1
  LET'S SAY Y PUR*AS$ A T]M         #AAB
  POLICY PRIOR 6YR DIAGNOSIS1 IF    C#DD
  ! POLICY HAS A 3V].N OP;N
-------------------------------------#DE
  P]MITT+ Y 63V]T ! POLICY 6A P]MAN5T
  POLICY T W N"E LAPSE1 T IS AN ECONOMI-
  C,Y PRUD5T OPPORTUN;Y T %D 2 A4RESS$4
  ,IF Y H DI6ICULTY PAY+ 9CR1S$ PREMI-
  UMS1 Y MI<T 2 A# 6BORR[ FUNDS OR SELL
  A POR;N OR ALL (! POLICY4 ,YR E/ATE
  PLANN] W NE$ YR 9SUR.E 9=M,N 6REVIEW
  :E!R Y %D E/ABLI% A TRU/ 6[N ! POLICY
  7N ! REVOCA# LIV+ TRU/ 4CUSS$ 9 ?
  BOOK1 B R AN IRREVOCA# LIFE 9SUR.E
  TRU/71 ETC4
..,BROK]AGE /ATE;TS1 BANK /ATE;TS1 .ETC4
  ,Y NE$ ! DATA ON YR V>I\S A3.TS 6AS-
  SEM# ! BAL.E %EET YR LAWY] & O!R PLAN-
  N]S NE$4 ,! MANN] 9 : ^? A3.TS >E [N$
  7TITL$7 IS AL VITAL 6%>E ) ^! 9DIVIDU-
  ALS4 ,IF ! A3.T IS JO9T1 ! JO9T [N]
  MI<T AUTOMATIC,Y OBTA9 [N]%IP (! A3.T
  ON YR D1?4 ,IF ! A3.T HAS A B5EFICI>Y
  DESIGN,N1 YR PLANN]S NE$ 6H A COPY1 Z
  YR DESIGN,N MAY DET]M9E :O W 9H]IT !
  A3.T4                             #AAC
.,RETIRE;T .A3.TS4 ,COPIES ( A3.T   A#DE
  /ATE;TS1 B5EFICI>Y DESIGN,NS1 PLAN
  SUMM>Y DOCU;TS 7IF AVAILA#71 ETC41 %D
  2 FIL$ 2H A TAB LABEL$ 8,RETIRE;T
  ,PLANS40
.,4ABIL;Y .9SUR.E .COV]AGE4

    ,P]SONAL & ,FAMILY ,RECORDS
,! FOLL[+ FAMILY RECORDS >E IMPORTANT TO
ASSEM#3

,LI/+ ( KEY FAMILY MEMB]S1 9CLUD+ P>5TS1
  SIBL+S1 SP\SE1 *N1 & GR&*N4 ,PROVIDE
  A4RESS1 AGE1 & O!R RELEVANT DATA = EA*
  P]SON LI/$1 & NOTE :E!R ANY"O ON YR
  LI/ IS DEC1S$ OR DIVORC$4 ,NOTE ANY
  A4I;NAL 9=M,N Y 3SID] SIGNIFICANT4
,BIR? C]TIFICATE4
,M>RIAGE C]TIFICATE4
,O!R KEY DOCU;TS4

    ,M$ICAL ,RECORDS
,Y %D 9CLUDE KEY M$ICAL DATA 9 YR PRIM>Y
B9D] & !N SET UP A SEP>ATE B9D] T HAS
ALL P]T95T 9=M,N 3C]N+ YR H1L?      #AAD
C>E1 "PICUL>LY ) RESPECT 6YR ILL-   B#DE
;S &! UNIQUE ISSUES Y H 6COPE )3
-------------------------------------#DF

,M$ICAL & H1L? 9SUR.E
,L;G-T]M C>E 9SUR.E
,G5]AL M$ICAL 9=M,N
,NUTRI;N1 DIET1 & RELAT$ 9=M,N
,M$IC,N
,PSY*OLOGICAL 9=M,N
,NEUROLOGI/
,9T]NI/
,,MRI,'S
,LAB REPORTS
,TRAVEL DATA & RES\RCES

    ,EM]G5CY ,9=M,N
,A LI/+ ( IMPORTANT "NS1 PH"O NUMB]S1
A3.T NUMB]S1 & O!R DATA T Y OR "S"O
HELP+ Y C QKLY F9D4 ,? %D 2 ! F/ FILE OR
TAB 9 YR PRIM>Y B9D]4



                                    #AAE
       ,PROFES.NALS ,Y ,MAY ,USE    A#DF
           6,ORGANIZE & ,PLAN

,6H ^! ISSUES A4RESS$ PROP]LY1 Y NE$ AN
ATTORNEY :O DEVOTES A SUB/ANTIAL "P ( 8
PRACTICE 6NO?+ B E/ATE PLANN+4 ,Y MAY AL
WANT 6HIRE A F9ANCIAL PLANN]1 9 A4I;N TO
ANY A3.TANTS OR 9SUR.E AG5TS Y ALR RE-
TA94 ,YR PLANN+ W B5EFIT GRTLY F 3SULT+
) ALL ( ^! PROFES.NALS1 & Y MAY WANT TO
MEET ) ALL ( !M AT ! SAME "T1 ?US ALL[+
!M 7& Y7 64CUSS YR E/ATE PLAN TGR4
,UTILIZ+ ALL ( YR PROFES.NALS 6! BE/ (
_! ABILITIES W GRTLY B5EFIT YR E/ATE4

        ,SAMPLE ,=MS 6,ORGANIZE
              ,YR ,RECORDS

,SCORES ( FREE =MS 6USE 9 ORGANIZ+ YR
V>I\S F9ANCIAL1 LEGAL1 & O!R RECORDS C 2
OBTA9$ F _+WWW.LAWEASY.COM_:4



                                    #AAF
             ,*APT] ,SUMM>Y          #DG
7777777777777777777777777777777777777777
,? *APT] HAS PROVID$ GUID.E & SU7ES;NS =
ORGANIZ+ YR F9ANCIAL1 E/ATE1 LEGAL1 &
O!R DOCU;TS4 ,ONCE ^! DOCU;TS >E ORGAN-
IZ$1 COPIES ( C]TA9 DOCU;TS NE$ 6BE DIS-
SEM9AT$ 6! P Y W 2 RELY+ ON4 ,F9,Y1 Y
NE$ 6USE ! 9=M,N Y H ASSEM#D Z "P ( YR
E/ATE PLANN+ PROCESS4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG














                                    #AAG
                                    A#DG























                                    #AAH
               ,,*APT] #D         #DH-DI

                ,-PET5CY

   ,TAK+ ,LEGAL ,AC;NS 6,PROTECT ,YRF

           ,:AT ,IS ,-PET5CY8

,-PET5CY IS A LEGAL 3CEPT1 N A PSY*OLOG-
ICAL "O4 ,9 T]MS ( E/ATE PLANN+1 X IS AB
3V9C+ A JUDGE OR JURY T A DOCU;T 9 "Q
7E4G41 A W1 TRU/1 P[] ( ATTORNEY7 IS A
FAIR EXPRES.N (A R1SONABLY H1L?Y JUDG;T4
,! ESOT]IC PSY*OLOGICAL 3/RUCTS >E N RE-
,Y HELP;L4 ,!Y >E ONLY 3/RUCTS OR LABELS
T MI<T 2 US$ 6FACILITATE :AT "O WD 3SID]
A J 3CLU.N "U GIV5 CIRCUM/.ES4 ,! ATTOR-
NEY M/ PROVE T Y %D OR %D N 2 DCLD -PE-
T5T4 ,T IS N A SCI5TIFIC DET]M9,N2 X IS
GETT+ "S"O 62LIEVE T A P]SON "\ 6BE DCLD
-PET5T OR N4 ,LOOK AT X 9 HUMAN T]MS (
:AT Y 7 HOP+ 6A3OMPLI%4 ,IF 8ORD9>Y
FOLK0 WD F9D X UNUSUAL1 X IS A PRO#M4
,IF X'S :AT _M P MI<T D1 !N X IS LIKELY
6BE A3EPT$4                         #AAI
  ,_M P MISTAK5LY 2LIEVE -PET5CY    A#DI
IS PURELY A M$ICAL 3CEPT1 :5 9 FACT -PE-
T5CY IS RE,Y A LEGAL DET]M9,N4 ,YR LAW-
Y]1 N ONLY YR PHYSICIAN1 W H 6BE 9VOLV$
9 ! PROCESS ( DET]M9+ :E!R Y >E LEG,Y
-PET5T4 ,P ASSUME A S+LE OR UNI=M DEF9I-
;N EXI/S = -PET5CY4 ,9 FACT1 "! >E A HO/
( DI6];ES1 &! LAW RECOGNIZES V>I\S 9C>-
N,NS (! T]M4 ,! DEGREE ( -PET5CY 6SIGN A
W 7TE/A;T>Y CAPAC;Y7 IS LESS ?AN T RE-
QUIR$ 6EXECUTE A 3TRACT 73TRACTUAL CA-
PAC;Y74 ,! CIRCUM/.ES (! SPECIFIC MATT]
WEI< ON H[ -PET5CY 9 T SITU,N %D 2 AS-
SESS$4 ,ASSESS+ -PET5CY IS A FUNC;N (
:AT DEGREE ( CAPAC;Y A SPECIFIC LEGAL
AC;N REQUIRES4 ,! M -PLEX ! MATT]1 !
GRT] ! DEGREE ( -PET5CY REQUIR$4
-------------------------------------#EJ
  ,TIM+ IS CRITICAL4 ,! "Q 9 _M -PET5CY
*ALL5GES IS N 8:E!R0 Y 7 9COMPET5T1 B
8:50 Y 2CAME 9COMPET5T4 ,) ,ALZHEIM]'S
41SE1 DE;TIA W O3UR4 ,"!=E1 ! T\< ISSUE
IS 6DET]M9E :5 ! DEGREE ( DE;TIA IS TOO
GRT = Y 6TAKE E/ATE PLANN+ /EPS4 ,AT :AT
PO9T 9 "T W Y NO L;G] H ! -PET5CY   #ABJ
6SIGN E/ATE PLANN+ 3TRACTS 7E4G41   A#EJ
A 3TRACT 6SELL AN 9T]E/ 9 A FAMILY BUSI-
;S 6A * OR FAMILY TRU/71 OR 6SIGN A VAL-
ID W1 OR TAKE O!R SIMIL> /EPS4
  ,E/ABLI%+ ) "S SPECIFIC;Y AT :AT PO9T
9 ! "T 3T9UUM YR -PET5CY WAN$ OR :5 Y
LAPS$ 969COMPET;E IS (T5 PRO#MATIC & C
(T5 2 ! C5T] (A LEGAL *ALL5GE4 ,IF Y
SIGN$ AN E/ATE PLANN+ DOCU;T :ILE DEEM$
-PET5T1 ! 3TRACTUAL >RANGE;T %D 2 RE-
SPECT$4 ,IF Y 7 N CAPA# ( "U/&+ ! TRANS-
AC;N1 ! ,,IRS OR AN HEIR MAY OV]TURN !
>RANGE;T4 ,= EXAMPLE1 IF Y WANT$ 6FAVOR
YR SON :O TOOK REGUL> C>E ( Y DUR+ YR
ILL;S & PROVIDE A LESS] 2QUE/ 6YR DAU<T]
:O 0 SEEM+LY 9DI6]5T 6YR H1L? /RU7LES1 !
ISSUE ( YR -PET5CY 6D S CD 2 CRITICAL4
7,SEE ,*APT] #AB47
  ,DET]M9+ YR LEVEL ( CAPAC;Y IS VITAL 9
ORD] 6ASC]TA9 :AT AC;NS MAY 2 APPROPRI-
ATELY TAK54 ,IF YR ATTORNEY HAS M ?AN A
MILD "Q Z 6YR -PET5CY1 HE OR %E W LIKELY
EVALUATE ! NE$ = Y 6H A =MAL -PET5CY AS-
SESS;T4 ,? CD 5TAIL HAV+ YR ATT5D+ PHY-
SICIAN PROVIDE AN EVALU,N ( YR      #ABA
PHYSICAL 3DI;N ) AN EMPHASIS ON     B#EJ
H[ X MAY IMPACT YR -PET5CY1 YR NEUROLO-
GI/ OR PSY*IATRI/ PROVID+ AN EVALU,N (
YR M5TAL CAPAC;Y1 & YR ATTORNEY MAK+ A
F9AL 3CLU.N Z 6-PET5CY4

    ,TE/A;T>Y ,CAPAC;Y
,TE/A;T>Y CAPAC;Y REF]S 6:E!R Y H ! -PE-
T;E 6SIGN A W4 ,? REQUIRES T Y "K ! NAT-
URAL OBJECTS ( YR B.TY 7*N1 GR&*N1
ETC471 "U/& ! NATURE & EXT5T ( YR PROP]-
TY 7:AT ASSETS Y [N1 YR BAL.E %EET71 &!
REL,N%IP ( BO? 6MAKE A R,NAL 4TRIBU;N 9
YR W4 ,"S DEF9I;NS REQUIRE T Y H SU6I-
CI5T M9D & MEMORY & 2 CAPA# ( "U/&+ !
G5]AL NATURE (! MATT] 9 : Y >E 5GAG$1
"NLY1 MAK+ A W4 ,Y %D AL "U/& ! 9T]RELA-
;N%IP ( ^! FACTORS4 ,CAPAC;Y IS REQUIR$
ONLY :5 YR W IS EXECUT$1 S T
-------------------------------------#EA
! W IS EXECUT$ DUR+ A LUCID 9T]VAL1 & YR
ATTORNEY M/ 2 A# 6DEMON/RATE T ? 9 FACT
O3URR$4 ,Y C 2 9CAPACITAT$ 2F & AF ! EX-
ECU;N ) NO LEGAL 3SEQU;ES4 ,! LEVEL (
CAPAC;Y T Y M/ H 6EXECUTE A W IS    #ABB
RELATIVELY L[ & LESS ?AN ! REQUI-   A#EA
SITE CAPAC;Y 6EXECUTE ! 3TRACTUAL DOCU-
;TS (T5 9CLUD$ 9 AN E/ATE & F9ANCIAL
PLAN4 ,A P]SON MAY1 9 FACT1 EXECUTE A W
EV5 IF CLASSIFI$ 0H] PHYSICIAN Z 9SANE1
FEE#-M9D$1 A DRUG A4ICT1 & EV5 SU6]+ AT
"TS F A "PIAL LOSS ( MEMORY RELAT$ 6P]-
SON & ?+S4

    ,3TRACTUAL ,CAPAC;Y
,? REF]S 6! -PET5CY Y M/ H 6SIGN A CON-
TRACT4 ,= Y 6H 3TRACTUAL CAPAC;Y1 Y M/
G5],Y "U/& ! NATURE & E6ECT (! ACT &!
BUSI;S 2+ TRANSACT$4 ,IF ! BUSI;S 2+
TRANSACT$ IS HI<LY -PLICAT$1 A HI<] LEV-
EL ( "U/&+ MAY 2 NE$$4 ,HAV+ SU6ICI5T
CAPAC;Y 6EXECUTE A W DOES N DEMON/RATE
YR CAPAC;Y 6SIGN OR 5T] 96A 3TRACT1 2C A
GRT] DEGREE ( CAPAC;Y IS NEC 6"U/& ? M
-PLEX TRANSAC;N4 ,= _M BUSI;S DOCU;TS
7E4G41 "PN]%IP AGREE;T71 ! DOCU;T XF MAY
9CLUDE XS [N DEF9I;N = 4ABIL;Y1 9CLUD+
ISSUES ( -PET5CY4 ,9 S* 9/.ES1 Y OR YR
ATTORNEY NE$S 6REVIEW ! GOV]N+ LEGAL
DOCU;T4 ,! ?RE%OLD LEVEL (          #ABC
-PET5CY = Y 6RETA9 %>ES &A DIREC-   B#EA
TOR%IP 9 A CLOSELY HELD BUSI;S MAY 2 M*
M /R+5T ?AN ! LEVEL ( -PET5CY T IS RE-
QUIR$ 63TRACT 9 G5]AL4

    ,P[] ( ,ATTORNEY
,A P[] ( ATTORNEY IS A DOCU;T 9 : Y DES-
IGNATE A P]SON 7AG5T7 6H&LE YR F9ANCIAL
A6AIRS IF Y C'T4 7,SEE ,*APT] #E47 ,!
CAPAC;Y REQUIR$ 6EXECUTE A P[] ( ATTOR-
NEY V>IES 0JURISDIC;N4 ,9 "S /ATES1 ONLY
CAPAC;Y SIMIL> 6T REQUIR$ 6SIGN A W
7TE/A;T>Y CAPAC;Y7 IS REQUIR$4 ,9 O!RS1
! CAPAC;Y 63TRACT IS REQUIR$4

    ,LIV+ ,W & ,H1L? ,PROXY
,^! >E DOCU;TS US$ 6A4RESS YR H1L? C>E
DECI.NS4 7,SEE ,*APT] #G47 ,CAPAC;Y 6EX-
ECUTE ^! DOCU;TS IS TI$ 6! LEGAL DOCTR9E
( 9=M$ 3S5T4 ,A PATI5T HAS ! "R 63TROL
3TACT ) 8 OR H] P]SON4 ,9=M$ 3S5T 6S*
3TACT REQUIRES T ! PATI5T
-------------------------------------#EB
PROVIDE VOLUNT>Y1 -PET5T1 & 9=M$ 3S5T4
,AL? "S C\RTS H HELD T ! CAPAC;Y    #ABD
6PROVIDE 9=M$ 3S5T IS SIMIL> 6!     A#EB
CAPAC;Y REQUIR$ 63TRACT1 ! LAW 9 ? REG>D
IS N CLE> & CL9ICAL MODELS ( CAPAC;Y >E
"!=E (T5 US$ 9/1D4

          ,:Y ,-PET5CY ,MATT]S

,DET]M9+ -PET5CY IS A CRITICAL ISSUE =
_M E/ATE PLANS1 Z WELL Z _M TAX AUDITS4
,-PET5CY IS ! PREREQUISITE 6! VALID;Y (
ANY E/ATE PLAN1 B REMA9S WIDELY MIS"U-
/OOD4 ,IF Y >E N -PET5T1 !N ANY DOCU;T Y
SIGN OR ANY TRANSAC;N Y -PLETE1 W 2 9EF-
FECTUAL4 ,T'S SIGNIFICANT4 ,UN=TUNATELY1
:AT 3/ITUTES -PET5CY IS AN ISSUE (T5
MIS"U/OOD4 ,! TR5D ( \R AG+ POPUL,N
RAISES M & M "QS AB ISSUES ( -PET5CY1 &
^! ISSUES W 2 RAIS$ ) M FREQU5CY OV] "T4
,FUR!RMORE1 ! "E-GR[+ PH>MACOPOEIA (
TR1T;TS = 41SES T A6LICT ! ELD]LY RE-
SULT+ 9 L5G!N$ LIFESPAN W BR+ EV5 M COM-
PLEX;Y 6! -PET5CY ANALYSIS4


                                    #ABE
            ,*RONIC ,ILL;S &        B#EB
         ,-PET5CY ,MISCONCEP;NS

,"! >E _M MISCONCEP;NS AB -PET5CY1 ESPE-
CI,Y ) RESPECT 6P ) *RONIC ILL;S4 ,_M P1
= EXAMPLE1 ASSUME T "EY"O )A *RONIC ILL-
;S IS 9COMPET5T4 ,_M P AL 9CORRECTLY AS-
SUME T A ,P>K9SONIAN MASK$ FACE IMPLIES
9COMPET;E4 ,:ILE "S *RONIC ILL;SES D RE-
SULT 9 DE;TIA1 L ,ALZHEIM]'S 41SE1 _M1
S* Z MULTIPLE SCL]OSIS1 MAY N4 ,AL? "S P
LIV+ ) ,,MS W SU6] COGNITIVE IMPACT1 9 !
VA/ MAJOR;Y ( CASES ,,MS DOES N RESULT 9
! TYPE ( 9COMPET;E T C PREV5T P F MANAG+
_! A6AIRS OR MAK+ IMPORTANT DECI.NS4 ,&
:ILE X IS TRUE T P ) ,,MS MAY NE$ ASSIS-
T.E ) _! F9ANCIAL & LEGAL A6AIRS DUR+ AN
ATTACK 7EXAC]B,N71 X IS AL TRUE T _M C
RESUME 3TROL OV] S* A6AIRS ONCE ! ATTACK
HAS PASS$4 ,? ON-AG_/(F-AG 3DI;N IS CON-
FUS+ & MIS"U/OOD 0PROBABLY ALM ANY"O N
FAMILI> ) ,,MS & XS SYMPTOMS4 ,! NU.ES (
H[ EA* *RONIC ILL;S IMPACTS -PET5CY C 2
Q DELICATE
                                    #ABF
& DI6] F "O ILL;S 6! NEXT1 EV5       #EC
AM;G DI6]5T P LIV+ )! SAME *RONIC ILL;S4
,G5]ALIZ,NS >E DANG]\S1 &! BURD5 W 2 ON
Y 6REPROVE ^? T >E 9CORRECT4

    ,*RONIC ,ILL;S1 ,-PET5CY1 & ,DANG]\S
    ,ASSUMP;NS
,_M P1 9CLUD+ PROFES.NAL ADVIS]S1 ]RONE-
\SLY ASSUME T ^? LIV+ ) _M TYPES ( *RON-
IC ILL;SES M/ H SIGNIFICANT COGNITIVE
IMPAIR;T4 ,X'S EASY 6MAKE S* G5]ALIZ,NS1
B 9A3URATE G5]ALIZ,NS C 2 DAMAG+ 6YR IN-
T]AC;NS ) YR E/ATE PLANN+ PROFES.NALS &
YR ABIL;Y 6OBTA9 ! PROP] ADVICE4 ,IF YR
W IS *ALL5G$1 A JURY MI<T WELL H ! SAME
MISCONCEP;NS AB YR COGNI;N4 ,X IS "!=E
IMPORTANT T YR E/ATE PLANN] & O!R PRO-
FES.NALS >E ADEQUATELY V]S$ ON :AT 3/I-
TUTES M5TAL 9CAPAC;Y & :AT DOES N1 ESPE-
CI,Y 9 ! CASE ( *RONIC ILL;S ": X IS
LIKELY 6BE AN ISSUE4 ,!Y M/1 ABV ALL1
RECOGNIZE T *RONIC ILL;SES1 Z WELL Z _!
IMPACT ON ^? :O LIVE ) !M1 >E N ID5TI-
CAL4
                                    #ABG
                  ,KEY              A#EC
7777777777777777777777777777777777777777
  ,Y M/ -MUNICATE 9 CLE> DETAIL 6ALL YR
ADVIS]S :AT YR CURR5T COGNITIVE SITU,N
IS1 :AT X W LIKELY 2COME1 & OV] :AT AP-
PROXIMATE "T P]IOD4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

      ,OV]VIEW ( ,*RONIC ,ILL;SES
         & ,COGNITIVE ,ISSUES3
           ,FACTS & ,FIGURES

    ,DE;TIA & ,-PET5CY
,DE;TIA IS DET]IOR,N 9 COGNITIVE FUNC;N1
(T5 Z "P (A PROGRESSIVE ILL;S T R1*ES A
LEVEL OR DEGREE T IMPACTS YR DAILY LIFE4
,X IS USU,Y DEF9$ 9 T]MS (A DECL9E 9
MEMORY A3OMPANI$ 0O!R COGNITIVE IMPAIR-
;TS4 ,"! >E A NUMB] ( CAUSES ( DE;TIA1 B
,ALZHEIM]'S 41SE 7,,AD7 A3.TS = APPROXI-
MATELY #GJ P]C5T ( DE;TIAS 9 ,AM]ICANS
AGE #GA OR OLD]4 ,VASCUL> DE;TIA1 : IS
CAUS$ 0A DECR1SE 9 BLOOD FL[ 6! BRA9
TYPIC,Y Z A RESULT (A /ROKE1 A3.TS = AB
#AG P]C5T ( ALL DE;TIAS4 ,O!R       #ABH
CAUSES S* Z MIX$                    B#EC
-------------------------------------#ED
DE;TIA1 DE;TIA ) ,LEWY BODIES1 & ,P>K9-
SON'S 41SE A3.T =! REMA9+ #AC P]C5T (
DE;TIAS4 ,COGNITIVE DECL9E HAS A HO/ (
IMPLIC,NS 6! E/ATE PLANN+ PROCESS3

,X CR1TES A S5SE ( URG5CY 6-PLETE PLANN+
  :ILE F1SI#4
,X DET]M9ES & CORROBORATES :E!R Y >E
  -PET5T 6-PLETE A "PICUL> PLAN1 OR TO
  SIGN A "PICUL> DOCU;T4
,X SIGNALS ! NE$ = PLANN+ = POT5TI,Y
  L;G-T]M 4ABIL;Y4

    ,MULTIPLE ,SCL]OSIS & ,-PET5CY
,COGNITIVE IMPAIR;T A6ECTS _M ( ^? LIV+
) ,,MS4 ,"! IS N NECESS>ILY A CORREL,N
2T VISI# PHYSICAL IMPAIR;T & COGNITIVE
IMPAIR;T4 ,,MS IS Q 5IGMATIC 9 T 3CLU.NS
C'T 2 DRAWN F YR PHYSICAL 3DI;N AB !
LIKELIHOOD ( CURR5T OR FUTURE COGNITIVE
IMPAIR;T4 ,A SIGNIFICANT NUMB] ( ^? )
,,MS MAY H "S COGNITIVE IMPAIR;T1 B MO/
W N4 ,YR COGNITIVE IMPAIR;T1 IF     #ABI
ANY1 MAY A6ECT C]TA9 ACTIVITIES B   A#ED
N ! ABIL;Y 6MAKE _M (! EXECUTIVE DECI.NS
(T5 ASSUM$ AN ISSUE = ^? :O >E 84A#D40
,GIV5 ? UNC]TA9TY1 ! FOCUS ( PLANN+ %D 2
6PROVIDE Y ) MAXIMUM 3TROL OV] YR F9AN-
CIAL & LEGAL MATT]S1 :ILE CR1T+ AN AP-
PROPRIATE SAFETY NET 9 ! EV5T COGNITIVE
IMPAIR;T 2COMES SU6ICI5TLY SIGNIFICANT Z
6REQUIRE X4 ,EV5 :5 ASSI/.E IS REQUIR$1
! BE/ APPROA* IS "O T ALL[S Y 6REMA9 IN-
VOLV$1 Z A COFIDUCI>Y 7E4G41 A COTRU/EE
(A REVOCA# LIV+ TRU/71 AN APPROA* 9 : !
BURD5 C 2 %>$ B DOES N ELIM9ATE YR IN-
VOLVE;T 9 YR F9ANCIAL & LEGAL A6AIRS4

    ,P>K9SON'S ,41SE & ,-PET5CY
,Z _M Z "O-HALF ( P ) ,,PD H DI6ICULTIES
) MEMORY & ?"\ PROCESS+4 ,^! DI6ICUL-
TIES1 H["E1 >E N SIMPLE 6EVALUATE OR ALW
OBVI\S4 ,= EXAMPLE1 EV5 IF Y H A COGNI-
TIVE IMPACT F YR ,,PD1 ! IMPLIC,NS ( T
IMPACT C V>Y F 9CONSEQU5TIAL 6SUB/ANTIAL
DEP5D+ ON ! DEM&S PLAC$ ON Y4 ,A MISCON-
CEP;N IS T _M LAYPEOPLE USE AN ,ALZHEI-
M]'S P>ADIGM = "U/&+ ,,PD           #ACJ
COGNITIVE IMPACT1 EV5 ?\< ! COG-    B#ED
NITIVE IMPACT ( ,ALZHEIM]'S IS (T5 N
RELEVANT 6"S"O ) ,,PD4 ,"S"O ) ,,PD MAY
2
-------------------------------------#EE
A# 6FUNC;N NORM,Y :ILE HAV+ "S ISSUES )
4ORGANIZ,N1 4TRACTIBIL;Y1 PRIORITIZ+1 &
=GET;L;S4
  ,DEPRES.N & APA?Y A6ECT _M P ) ,,PD1
"S"TS MAK+ !M RELUCTANT 6S*$ULE A MEET+
OR FOLL[ UP ON ! RECOMM5D,NS F PROFES.N-
AL ADVIS]S4 ,9 S* CASES1 ! 5C\RAGE;T &
9VOLVE;T ( O!R FAMILY MEMB]S MAY 2 CRIT-
ICAL 6! PLANN+ PROCESS4 ,X IS HELP;L1 9
? SITU,N1 69=M YR ADVIS]S T !Y %D N MIS-
9T]PRET APA?Y T[>DS PLANN+ Z A SIGN T !Y
%D N 3T9UE 6PU% ! PROCESS =W>D4 ,3SID],N
%D AL 2 GIV5 6AU?ORIZ+ -MUNIC,NS 2T YR
ATTORNEY1 YR AG5TS & FAMILY MEMB]S1 & YR
O!R ADVIS]S4 ,? C PREV5T "QS AB E?ICAL
ISSUES & FACILITATES COORD9,N & -MUNIC,N
AM;G ^? :O MAY NE$ 6"W TGR ON YR 2HALF4
  ,ALL ( ^! >E APPROPRIATE & VITAL /EPS
T C PROTECT Y 2F COGNITIVE DET]IOR,N
R1*ES A LEVEL ": OP;NS 2G9 6BE      #ACA
=ECLOS$4 ,^! /EPS %D 2 A4RESS$ 9    A#EE
A MANN] T PRES]VES YR 9DEP5D;E IF DET]I-
OR,N O3URS & ESPECI,Y 9 ! EV5T X N"E OC-
CURS4 ,YR PLANN+ M/ 2 FLEXI# 5 = Y 6MA9-
TA9 3TROL OV] YR LIFE & RETA9 DIGN;Y1
REG>D.S (! C\RSE YR ,,PD TAKES4
  ,IF Y H ,,PD1 A4RESS+ ! POSSIBIL;Y (
COGNITIVE ISSUES %D 2 3SID]$ 9 T&EM ) AN
"U/&+ T ,,PD IS (T5 A3OMPANI$ 0O!R H1L?
ISSUES1 ESPECI,Y = P ( ADV.ED AGE4 ,^!
O!R H1L? ISSUES MAY 9CR1SE ! LIKELIHOOD
( COGNITIVE IMPAIR;T & DRAMATIC,Y *ANGE
! PLANN+ T IS APPROPRIATE1 OR ! URG5CY 9
-PLET+ YR PLANN+4 ,X IS "!=E IMPORTANT
69=M YR ATTORNEY AB YR OV]ALL H1L? /ATUS
& AB : O!R 3DI;NS1 IF ANY1 MAY H AN IM-
PACT ON Y4

    ,ALZHEIM]'S & ,-PET5CY
,IF Y H ,ALZHEIM]'S 41SE1 YR E/ATE PLAN-
N+ DOCU;TS %D REFLECT ! LIKELIHOOD T >-
RANGE;TS MADE & DOCU;TS EXECUT$ TD >E
LIKELY 6BE P]MAN5T R ?AN SUBJECT 6MODI-
FIC,N4 ,)A DEF9ITE TRAJECTORY ( COGNI-
TIVE DECL9E1 Y MAY N H ! LUXURY (   #ACB
REVISIT+ & REVIS+ PLANS & DOCU;TS   B#EE
& M/ PLAN = :AT W LIKELY 2 YE>S ( 4ABIL-
;Y DUR+ : O!R P W H 6H&LE YR F9ANCIAL1
LEGAL1 & O!R MATT]S4 ,! BI7E/ *ALL5GE
MAY 2 -PLET+ ^! >RANGE;TS Z Y APPROA* !
FR+E ( -PET5CY4
-------------------------------------#EF
,Y W MO/ LIKELY REQUIRE ! HELP ( FAMILY
MEMB]S1 FRS1 & O!RS 6GET "? ! EMO;NAL
DI6ICULTIES ( MAK+ T\< DECI.NS1 : MO/ P
5GAG+ 9 E/ATE PLANN+ 3SID] !ORETICAL4
  ,,AD SYMPTOMS >E (T5 DIVID$ 96/AGES
7MILD1 MOD]ATE1 SEV]E1 & PROF.D74 ,EV5
AT ! 8MILD0 /AGE ( ,,AD1 Y MAY 2COME
4ORI5T$ Z 6"T1 DATE1 OR PLACE4 ,? MAY
MAKE ATT5D+ 6PLANN+ & DOCU;T EXECU;N "S-
:AT DI6ICULT4 ,6PREV5T OR )/& A FUTURE
*ALL5GE = -PET5CY OR UNDUE 9FLU;E1 H["E1
Y M/ 2 A# 6DEMON/RATE T AT ! "T ( EXECU-
;N Y _H SU6ICI5T "U/&+ (! ISSUES 9VOLV$
&! IMPORT ( :AT 0 2+ D"O4
  ,EV5 AT ! MILD /AGE ( ,,AD1 Y MAY H
DI6ICULTY ) MA? CALCUL,NS & MAY F9D X
DI6ICULT 6BAL.E A *ECKBOOK4 ,! LOSS (
EXECUTIVE FUNC;N 7ORGANIZ,NAL &     #ACC
-PLEX DECI.N-MAK+ SKILLS7 C O3UR    A#EF
EV5 9 ! MILD =M ( ,,AD4 ,:ILE Y MI<T
R1DILY H ! LEVEL ( CAPAC;Y 6SIGN A W1 IF
Y /RU7LE 6BAL.E A *ECKBOOK1 Y MAY N H
SU6ICI5T -PET5CY 6"U/& SOPHI/ICAT$ E/ATE
PLANN+ ME*ANISMS L *>ITA# L1D TRU/S
7,,CLT,'S71 GRANTOR RETA9$ ANNU;Y TRU/S
7,,GRAT,'S71 & S ON4 ,IF Y D N1 "! IS A
RISK T ! E6ICACY ( ^! E/ATE ME*ANISMS
MAY 2 "UM9$ 0A -PET5CY *ALL5GE4

        ,:AT ,YR ,E/ATE ,PLANN]
              ,%D ,"K & ,D

,"! >E A NUMB] ( PO9TS YR E/ATE PLANN]
%D 3SID] 9 HELP+ Y4 ,Y MI<T WANT 64CUSS
? LI/ ) YR PLANN]3

,DON'T MAKE ASSUMP;NS4
,"U/& T "! IS TREM5D\S V>IABIL;Y AM;G ^?
  LIV+ ) *RONIC ILL;S4 ,"! IS EV5 SIG-
  NIFICANT V>IABIL;Y 2T ^? )! SAME ILL-
  ;S4 ,EV5 M 3FUS+1 "! C 2 SIGNIFICANT
  V>IABIL;Y 9 ! SYMPTOMS EXP]I;ED AT
  DI6]5T "TS 0! SAME CLI5T1 EV5     #ACD
  DUR+ ! SAME MEET+4                B#EF
,:AT"E ! NEGATIVE COGNITIVE IMPACT Y H
  2C ( YR *RONIC ILL;S1 X IS LIKELY TO
  WORS5 ABS5T A BR1K"? 9 RESE>*4 ,"!=E1
  PLANN+ %D N 2 DEF]R$ = L;G4
,:5 IMPLE;T+ E/ATE & TAX PLANN+1 3SID],N
  %D
-------------------------------------#EG
  2 GIV5 6CORROBORAT+ YR -PET5CY 6AVOID
  *ALL5GES AT A LAT] DATE4 ,? %D 2 D"O
  EV5 IF Y H NO SIGNIFICANT COGNITIVE
  IMPAIR;T1 GIV5 ! IGNOR.E ( S _M P AB !
  E6ECTS ( *RONIC ILL;S4
,Y MAY H ! M5TAL CAPAC;Y 6SIGN A W
  7CALL$ 8TE/A;T>Y CAPAC;Y071 B MAY N H
  ! CAPAC;Y 65GAGE 9 M -PLEX 3TRACTUAL
  TRANSAC;NS1 S* Z A SALE (A FAMILY
  BUSI;S 9T]E/ 6A DEFECTIVE GRANTOR DY-
  NA/Y TRU/4
,YR ASSETS %D 2 3SOLIDAT$ & SIMPLIFI$4
  ,X IS EASI] :5 LIV+ )A *RONIC ILL;S1
  ESPECI,Y "O ) WORS5+ COGNITIVE ISSUES1
  69T]ACT )A S+LE 9TEGRAT$ W1L? MANAG]
  ?AN )A HALF-DOZ5 OR M BANKS1 BROK]AGE
  FIRMS1 & O!R 9VE/;T               #ACE
  PROFES.NALS4                      A#EG
,FOLL[ MEET+S & SUB/ANTIVE PH"O 3V]S,NS
  ) AN AC;N LI/ ( PRIORITIZ$ BULLET
  PO9TS T Y M/ A4RESS4 ,? %D N 2 A MUL-
  TIPLE PAGE MEMO1 B A 3CISE & CLE> BUL-
  LET LI/ ( ITEMS4
,BR1K ! PLANN+ PROCESS 964T9CT PHASES1
  EA* 6BE A3OMPLI%$ SEQU5TI,Y 6FACILI-
  TATE -PLET+ ! PROCESS 9 A MANN] T IS
  EASI] = Y4 ,= EXAMPLE1 ,PHASE ,I MI<T
  2 6-PLETE P[]S ( ATTORNEY1 LIV+ WILLS1
  ,,HIPAA REL1SES1 & H1L? PROXIES4
  ,PHASE ,,II MI<T 2 6-PLETE A REVOCA#
  LIV+ TRU/ & W4 ,PHASE ,,III MI<T AD-
  DRESS B5EFICI>Y DESIGN,NS1 9SUR.E1 &
  AN 9SUR.E TRU/4 ,M SOPHI/ICAT$ PLANN+
  MI<T 2 H&L$ Z ,PHASE ,,IV4 ,4CRETE1
  LOGIC,Y ORGANIZ$1 & SEQU5TIAL /EPS W 2
  M* EASI]4
,OBS]VE YR 3DUCT = SIGNS ( DIM9I%$ CA-
  PAC;Y1 PAY+ ATT5;N 6FACTORS T SU7E/
  *ANGE4 ,^! MI<T 9CLUDE -;TS F A SP\SE
  OR FAMILY MEMB]4 ,Y MI<T 7& %D7 RAISE
  ! ISSUE YRF IF Y C4
,3SID] :E!R A ,FOL/E9 ,M9I-,M5TAL   #ACF
  ,/ATE ,EXAM MAY 2 ADM9I/]$ Z A    B#EG
  M1NS ( DOCU;T+ YR /ATUS4 ,? 5TAILS RE-
  SPOND+ 6A S]IES ( "QS & P]=M+ C]TA9
  AC;NS1 ALL ( : >E SCOR$4 ,! RANGE (
  SCORES PROVIDES AN 9DIC,N ( NORMAL1
  BORD]L9E1 OR IMPAIR$ CAPAC;Y4 ,"! >E A
  HO/ ( O!R SCRE5+ ME?ODOLOGIES T C 2
  US$4
,ASSESS ! DEGREE ( PHYSICAL1 F9ANCIAL1
  OR O!R H>M 6Y F ! TRANSAC;N 9VOLV$4 ,=
  EXAMPLE1 GIV+ A C>EGIV] A P[] ( ATTOR-
  NEY 63TROL YR F9ANCIAL ASSETS IS F>
  RISKI] ?AN SIGN+ A W T DIVIDES AN ES-
  TATE EQU,Y 2T YR NATURAL *N4
-------------------------------------#EH
,ANALYZE YR ABIL;Y 6>TICULATE ! R1SON+
  L1D+ 6A DECI.N1 YR ABIL;Y 6"U/& ! 3SE-
  QU;ES ( T DECI.N1 & :E!R ! DECI.N IS
  3SI/5T ) YR L;G-T]M GOALS & VALUES4
  ,RET5;N ( PRIOR MEET+ NOTES 6DEMON-
  /RATE A 3SI/5T PATT]N ( ?"\ & PLANN+
  MAY SUPPORT YR ABIL;Y 6MAKE A "PICUL>
  TE/A;T>Y 4POSI;N4
,WEI< :AT DOCU;TS >E 2+ SIGN$1 ! -PLEX;Y
  (! DOCU;TS OV]ALL 7! BIG          #ACG
  PICTURE71 & ANY O!R RELEVANT      A#EH
  CIRCUM/.ES4
,DOCU;T OBS]V,NS ( YR CAPAC;Y Z WELL Z
  OBS]V,NS ( O!R PROFES.NALS 9VOLV$4 ,=
  EXAMPLE1 TWO LAWY]S 9 ! FIRM EA* MEET
  SEP>ATELY ) Y = 9T]VIEWS & EA* 9DEP5-
  D5TLY DOCU;TS 4CUS.NS & OBS]V,NS4
,IF Y H AN ILL;S1 L ,ALZHEIM]'S1 T IS
  LIKELY 6PROGRESS 6! PO9T ": A GU>DIAN
  OR 3S]VATOR MAY 2 NEC1 YR ATTORNEY %D
  ADVISE Y 6DESIGNATE ! P]SON & SU3ES-
  SORS T Y WD WANT 6S]VE Z GU>DIAN :ILE
  Y >E -PET5T 6D S4 ,_M /ATES W P]MIT ?4
,IF YR CAPAC;Y HAS DIM9I%$ 6! PO9T ":
  NEW DOCU;TS _C 2 SIGN$1 !N EF=TS %D 2
  DIRECT$ 6REVIEW+ & IMPLE;T+ EXI/+ DOC-
  U;TS & PLANN+1 REG>D.S ( _! %ORTCOM+S4
  ,(T5 PLANN+ GOALS C 2 A*IEV$ EV5 ) IN-
  ADEQUATE EXI/+ DOCU;TS "? CR1TIVE USE
  ( TITLE 6ASSETS1 9T]PRET,NS OR P]MITT$
  MODIFIC,NS ( EXI/+ DOCU;TS1 OR C\RT
  9T]V5;N4
,YR ATTORNEY %D "Q :E!R YR AC;NS >E R,N-
  AL1 EXPECT$1 & APPROPRIATE4 ,= EXAM-
  PLE1 H Y SELECT$ AN APPROPRIATE   #ACH
  B5EFICI>Y 7"O OR M ( YR *N7 OR    B#EH
  MADE A *OICE T MI<T 2 3SID]$ AB]R,NAL
  7E4G41 L1V+ "EY?+ 6YR H1L? AIDE78 ,X
  IS M* EASI] 6PROVE T 8NORMAL0 2HAVIOR
  IS ACT+ 9 A MANN] T B5EFITS YR *N R !N
  A HOME H1L? AIDE4 ,IF YR ATTORNEY M/
  "O "D A4RESS YR DECI.N :5 E/ABLI%+ YR
  -PET5CY1 ! LATT] *OICE MI<T 2 EVID;E T
  Y DID "S?+ 3TR>Y 6:AT NORMAL EXPECT,N
  WD 2 & RAISE "QS AB O!R DECI.NS Y MADE
  :ILE ILL4
,OBTA9 APPROPRIATE PHYSICIAN LRS1 ATTE/+
  6YR PHYSICAL & M5TAL /ATUS & 9DICAT+
  ANY M$ICAL ISSUES T MAY H AN IMPACT ON
  YR COGNITIVE FUNC;NS4 ,= EXAMPLE1 X
  MAY 2 HELP;L 6H A LR F AN 9T]NI/ /AT+
  T "! >E NO M$ICAL ISSUES T MI<T IMPAIR
-------------------------------------#EI
  YR COGNITIVE CAPAC;Y4 ,H["E1 ? LR M/ 2
  PRECISE 6BE ( ANY VALUE4 ,IF VAGUE
  T]MS L 8NORMAL0 OR PHRASES L 8PATI5T
  HAS EXCELL5T JUDG;T0 >E US$1 :AT D !Y
  M1N8 ,)\T CLE> & DEF9$ T]MS1 A LR F AN
  ATT5D+ PHYSICIAN MAY H LL RELEV.E4 ,!
  PHYSICIAN LR %D PROVIDE DETAILS   #ACI
  (! EXAM9,N GIV51 YR CURR5T M$I-   A#EI
  CAL 3DI;N1 ! RESULTS (A CURR5T PHYSI-
  CAL EXAM9,N1 :E!R "! >E M$ICAL ISSUES
  T REQUIRE FUR!R 9QUIRY 7E4G41 UNEX-
  PLA9$ SYMPTOMS OR SYMPTOMS T MI<T 2
  EXPLA9$ 0A S]I\S 4ABIL;Y T MAY A6ECT
  COGNI;N71 A PSY*O-SOCIAL HI/ORY1 A DE-
  SCRIP;N ( YR CURR5T LIV+ CIRCUM/.ES1
  ETC4 ,! PHYSICIAN LR %D AL 3FIRM T Y 7
  "Q$ AB P1 PLACES1 & "T4 ,! "QS & YR
  RESPONSES %D 2 DOCU;T$4
,MAKE DOCU;TS "U/&A#4 ,? IS Q A *ALL5GE
  :5 D1L+ ) TAX -PLEXITIES & O!R -PLI-
  CAT$ MATT]S4 ,NO C\RT OR JURY W 2LIEVE
  T Y "U/OOD A DOCU;T IF !Y _C "U/& X4
  ,IF A JURY _C "U/& :AT YR W OR O!R
  DOCU;TS 9T5D1 !Y >E LIKELY 6SUSPECT YR
  -PET5CY 6SIGN X4 ,DOCU;TS M/ 2 SU6I-
  CI5TLY CLE>1 ) 3SID],N 6! UNAVOIDA#
  -PLEX;Y ( TAX & O!R LAWS1 S T ! AV]AGE
  P]SON C "U/& !M4 ,ANY?+ T MAKES A DOC-
  U;T 9TELLIGI# 6A LAYP]SON IS HELP;L4
  ,(T5 ALL ? REQUIRES IS A SIMPLE1 EX-
  PLANATORY1 & L1D-IN S5T;E4 ,:5 ! COM-
  PLEX;Y NECESSITAT$ 0TAX LAWS1     #ADJ
  PROP]TY LAWS 7E4G41 RULE AG/      B#EI
  P]PETUITIES71 ASSET PROTEC;N1 & O!R
  /EPS MAKES A SIMPLE DOCU;T AN IMPOSSI-
  BIL;Y1 YR ATTORNEY %D MAKE X EASI] TO
  -PREH5D ) CAP;NS OR O!R DEVICES T MAKE
  ! 9=M,N SIMPL]4
8,6VIDEOTAPE OR N 6VIDEOTAPE40 ,IF ,WIL-
  LIAM ,%AKESPE>E1 ,ESQ41 _H BE5 AN ES-
  TATE PLANN]1 T WD H BE5 ! "Q4 ,IF YR
  LAWY] RECORDS Y SIGN+ A W1 C]TA9 3DI-
  ;NS M/ 2 OBS]V$4 ,F/1 Y M/ /ATE YR IN-
  T5;N REG>D+ ! 4TRIBU;N ( PROP]TY & T X
  IS YR WI% T ! W N 2 *ALL5G$4 ,? %D 2
  D"O Z Y LOOK "R 96! CAM]A Z TALK+ DI-
  RECTLY 6! JUDGE OR JURY4 ,IF1 H["E1 Y
  "K T ! VIDEO W N SUPPORT YR -PET5CY
  7E4G41 2C ( ,P>K9SON MASK$ FACE1 TREM-
  ORS F ANO!R *RONIC ILL;S1 ETC47 YR AT-
  TORNEY %D N ATTEMPT 6VIDEO TAPE YR W
  SIGN+4
,IF A CL9ICAL EVALU,N M/ 2 MADE Z 6YR
  -PET5CY1 YR ATTORNEY %D SELECT ! AP-
  PROPRIATE CL9ICIAN 6"UTAKE ! ANALYSIS4
  ,9
                                    #ADA
  _M CASES1 ? WD 2 A M5TAL H1L?      #FJ
  PROFES.NAL :O IS "KL$GEA# AB ! SPECIF-
  IC H1L? PRO#MS Y FACE 7E4G41 A NEUROL-
  OGI/ ) EXP]TISE 9 ,ALZHEIM]'S71 FAMIL-
  I> )! V>I\S ASSESS;T APPROA*ES RELE-
  VANT 6! ISSUE ( DET]M9+ CAPAC;Y 9 RE-
  L,N 6YR ILL;S1 & HAS 3SID]A# EXP]I;E
  3DUCT+ -PET5CY EVALU,NS4
,YR ATTORNEY %D !N TAKE APPROPRIATE AC-
  ;NS 9 RESPONSE 6! ABV F9D+S & DET]M9E
  :AT /EPS %D 2 TAK5 6PROTECT Y4 ,= EX-
  AMPLE1 IF Y >E -PET5T B H A PROGRES-
  SIVE OR *RONIC ILL;S T W LESS5 CAPAC;Y
  OV] "T1 YR ATTORNEY %D UPDATE ALL DOC-
  U;TS & PLANN+1 REVIEW 9 DETAIL A DURA#
  P[] ( ATTORNEY1 & O!R /EPS4

    ,EXAMPLE3 ,ALZHEIM]'S ,41SE
,JIM ,P[ELL IS #HA & HAS BE5 DIAGNOS$ )
,ALZHEIM]'S4 ,,AD RESULTS 9 DE;TIA & IS
FATAL4 ,"! >E TWO "*I/ICS ( ,,AD1 TAN-
GLES & PLAQUES4 ,A PROTE9 CALL$ 8TAU0
A3UMULATES 9 ABNORMAL DEPOSITS 9 NEURON
PA?WAYS 9 ! BRA9 CALL$ 8MICROTUBULES40
,NORM,Y1 NUTRI5TS >E TRANSPORT$     #ADB
6BRA9 CELLS & WA/E AWAY F ! BRA9    A#FJ
"? MICROTUBULES4 ,EV5TU,Y1 MICROTUBULES
COLLAPSE 96:AT IS REF]R$ 6Z 8TANGLES40
,PLAQUES >E MICROSCOPIC A3UMUL,NS ( 2TA-
AMYLOID FRAG;TS4 ,Z ! TANGLES & PLAQUES
EXP&1 ,JIM'S MEMORY & O!R FUNC;NS DE-
CL9E4 ,N]VE CELLS LOSE _! ABIL;Y 6-MUNI-
CATE & ,,AD PROGRESSES4 ,Z ? SPR1DS1
BRA9 TISSUES DIE1 & IMPAIR;T A3EL]ATES4
,JIM'S E/ATE PLANN+ ATTORNEY & F9ANCIAL
PLANN] MEET 6REVIEW A REVIS$ E/ATE PLAN
& 9VE/;T ALLOC,N4 ,! ATTORNEY 2COMES
3C]N$ AB ,JIM'S CAPAC;Y1 ESPECI,Y 9 LI<T
(! DIAGNOSIS ( ,ALZHEIM]'S1 & 3TACTS
,JIM'S ATT5D+ NEUROLOGI/4 ,AF OBTA9+ !
APPROPRIATE ,,HIPAA REL1SE 7SEE 2L71 !
ATTORNEY REQUE/S AN EVALU,N REPORT T AD-
DRESSES A NUMB] ( ISSUES1 9CLUD+ ! M$I-
CAL DIAGNOSIS1 XS IMPACT ON CAPAC;Y1 &
,JIM'S LOC,N ON ! 41SE "T 3T9UUM & 8
LIKELY PROGRES.N4 ,! REPORT %D AL IN-
CLUDE EVID;E ( COGNITIVE ISSUES REG>D+
,JIM'S "U/&+ OR PROCESS+ ( 9=M,N1 MEMORY
LOSS1 EVID;E ( 2HAVIORAL ISSUES1 O!R
H1L? ISSUES T MAY A7RAVATE          #ADC
,ALZHEIM]'S 7E4G41 MIX$ DE;TIA1 :   B#FJ
C 9CLUDE ELE;TS ( BO? ,ALZHEIM]'S & VAS-
CUL> DE;TIA71 Z WELL Z ! M$IC,NS ,JIM IS
TAK+1 :5 !Y 7 />T$1 & _! IMPACT ON
,JIM'S LIFE1 ACTIVITIES1 & ABIL;Y 6"U/&
-------------------------------------#FA
LEGAL DOCU;TS & TRANSAC;NS4 ,! ATTORNEY
AL REQUE/S T ! REPORT DETAIL ,JIM'S HIS-
TORY1 9CLUD+ P]SONAL1 PHYSICAL1 PSY*O-
LOGICAL & SITU,NAL 3DI;NS Z 8 VALUES &
PREF];ES >E RELEVANT 6HIS H1L? C>E DECI-
.NS1 L;G-T]M C>E COV]AGE1 & 4POSI;N ( 8
ASSETS4 ,? COGNITIVE & 2HAVIORAL ASSESS-
;T IS ! BASIS ON : ,JIM'S ATTORNEY W DE-
T]M9E ,JIM'S LEGAL CAPAC;Y = EXECUT+ !
REVIS$ E/ATE PLANN+ & 9VE/;T ALLOC,N
DOCU;TS4

    ,A4I;NAL ,PO9TS 6,3SID]
,YR FAMILY OR LOV$ "OS W NE$ A =MAL
  SIGN$ ,,HIPAA 7,H1L? ,9SUR.E ,PORTA-
  BIL;Y & ,A3.TABIL;Y ,ACT ( #AIIF7 RE-
  L1SE 6OBTA9 M$ICAL RECORDS4 ,X MAY1 9
  FACT1 2 ADVISA# 6OBTA9 ! REL1SE & M$I-
  CAL RECORDS E>LY 9 ! PROCESS4     #ADD
  ,N ONLY W ? SUPPORT ! PLANN+      A#FA
  PROCESS1 B X C 2 SIGNIFICANTLY EASI]
  6D S :ILE Y >E FUNC;N+ AT YR BE/1 R
  ?AN AT A LAT] DATE :5 Y MAY NO L;G] 2
  -PET5T 6SIGN ! REL1SE4
,YR ATTORNEY %D 3SID] 3/RUCT+ A "T L9E (
  EV5TS1 9CLUD+ ANCILL>Y OR TANG5TIAL
  MATT]S4 ,(T5 A "T L9E C TRULY TELL A
  /ORY DEMON/RAT+ -PET5CY4 ,! MAJOR
  PO9TS ON ! "T L9E WD 2 PSY*OLOGICAL
  EXAM9,NS F9D+ -PET5CY1 PHYSICIAN LRS
  ATTE/+ 6-PET5CY OR ! LACK ( "KN PHYSI-
  CAL 3DI;NS LIKELY 6NEGATIVELY IMPACT
  COGNI;N1 EXECU;N (A W OR O!R LEGAL
  DOCU;TS ": C\NSEL & WIT;SES C ATTE/ TO
  -PET5CY1 ETC4 ,H["E1 ANECDOTAL EVID;E
  C AL HELP TELL ! /ORY Y NE$4

    ,EXAMPLE
,IF Y >E ADMITT$ 6! HOSPITAL & 4*>G$1
:AT D ! EXAM9,NS PRIOR 64*>GE 9DICATE8
,7 ! PREDIS*>GE EXAM9,NS RE,Y RELEVANT
6-PET5CY8 ,EV5 AN EXAM9,N 0A NEUROLOGI/
MAY 2 ( LL OR MODE/ B5EFIT DEP5D+ ON !
PURPOSE & NATURE (! EXAM9,N4 ,(T5   #ADE
A 4*>GE SUMM>Y MAY EXI/ 9 ! PA-     B#FA
TI5T RECORD4 ,!Y MAY 9CLUDE 9NOCU\S -;TS
S* Z 8,,AO "TS #C0 7AL]T & ORI5T$ 9 ALL
?REE SPH]ES71 A POT5TI,Y POSITIVE &
TELL+ SIGN4 ,B LOOK 2Y ^! SIGNIFICANT
EV5TS AT O!R MATT]S Z WELL4 ,:AT1 = EX-
AMPLE1 DID ! NURS+ NOTES SAY8 ,(T5 ^!
NOTES W DESCRIBE A PATI5T'S 3DUCT & BE-
HAVIOR1 "S?+ T MAY SUPPORT -PET5CY OR
"USCORE COGNITIVE IMPAIR;T4
-------------------------------------#FB
             ,*APT] ,SUMM>Y
7777777777777777777777777777777777777777
,-PET5CY IS ! ?RE%OLD ISSUE 6A4RESS 9
ALL PLANN+4 ,2C ! DEGREE ( COGNITIVE IM-
PACT ( V>I\S ILL;SES IS S DI6]5T & C
*ANGE OV] "T1 ? M/ 2 A4RESS$ = "EY"O
LIV+ ) *RONIC ILL;S AT "S PO9T & 6"S DE-
GREE4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG




                                    #ADF
               ,,*APT] #E            #FC

            ,P[] ( ,ATTORNEY

     ,AU?ORIZ+ ,"S"O 6,TAKE ,LEGAL
               ,AC;N = ,Y

               ,9TRODUC;N

,IF Y >E SICK OR 4A#D1 :O C H&LE F9AN-
CIAL1 LEGAL1 & TAX MATT]S = Y8 ,:O C PAY
YR BILLS S YR BANK DOESN'T =ECLOSE ON YR
MORTGAGE1 OR ! UTIL;Y -PANY DOESN'T CUT
(F YR PH"O1 ELECTRIC1 H1T1 & P[]8 ,& :O
W TAKE C>E ( O!R EM]G5CIES T Y >E N A#
6H&LE8
  ,IF Y >E M>RI$1 Y _C AUTOMATIC,Y C.T
ON YR SP\SE 6H&LE E EM]G5CY J 2C (! M>I-
TAL REL,N%IP4 ,DON'T ASSUME T YR SP\SE
HAS LEGAL AU?OR;Y 6SIGN YR "N4 ,HE OR %E
DOES N4 ,IF Y H A JO9T *ECK+ A3.T1 YR
SP\SE C SIGN *ECKS F T A3.T 2C X IS
JO9T1 N 0VIRTUE ( 2+ YR SP\SE4 ,T'S N M*
6RELY ^U 9 AN EM]G5CY4
  ,! BE/ ANSW] 6! "QS POS$ ABV IS   #ADG
A LEGAL ANSW]3 P[] ( ATTORNEY4 ,A   A#FC
P[] ( ATTORNEY IS ! MO/ IMPORTANT & AL !
SIMPLE/ E/ATE PLANN+ DOCU;T4 ,X IS A
3TRACT 9 : Y 7CALL$ ! 8GRANTOR07 DELE-
GATE 78GRANT07 6ANO!R P]SON 7CALL$ YR
8ATTORNEY 9 FACT0 OR 8AG5T07 ! P[] & "R
6ACT ON YR 2HALF 9 ! EV5T Y >E ILL1 IN-
JUR$1 UNAVAILA#1 OR UNA# 6ACT ON YR [N
2HALF = ANY R1SON4 ,YR AG5T IS GIV5 !
IMPORTANT RESPONSIBIL;Y ( H&L+ YR F9AN-
CIAL MATT]S 9 ! EV5T ( ANY EM]G5CY1 :
PREV5TS Y F TAK+ ! NEC AC;NS4
  ,! P[] ( ATTORNEY IS "O (! MO/ IMPOR-
TANT DOCU;TS 63SID] DUR+ E/ATE PLANN+4
,B X IS AL "O (! MO/ FREQU5TLY OV]LOOK$1
& "O (! MO/ MIS"U/OOD4 ,! P[] ( ATTORNEY
C 2 A V SIMPLE DOCU;T1 P]H A "O-PAGE =M
PUR*AS$ AT A LOCAL /,N]Y /ORE4 7,B SEE
4CUS.N 2L ON ! RISK ( US+ ? K9D ( =M74
,A P[] ( ATTORNEY C AL 2 A F> M -PLEX &
L5G?Y DOCU;T PREP>$ 0AN ATTORNEY 6D1L )A
SPECIFIC BUSI;S TRANSAC;N4
-------------------------------------#FD
  ,IMPORTANT RULES 3C]N+ P[] ( ATTORNEY
DOCU;TS DI6] F /ATE 6/ATE 7E4G41    #ADH
:AT =MALITIES >E REQUIR$ 6SIGN !    A#FD
P[]74 ,2 C]TA9 63SULT ) AN ATTORNEY 9 YR
/ATE Z 6! SPECIFIC RULES T APPLY 6Y4 ,=
EXAMPLE1 "S /ATES LIMIT 6C]TA9 CLOSE
RELATIVES ! P Y MAY "N 6ACT = Y4 ,9 "S
/ATES X MAY 2 ADVISA# 6FILE 7RECORD7 YR
P[] ( ATTORNEY 9 ! APPROPRIATE GOV]N;TAL
(FICE1 S* Z A C.TY CL]K4 ,T W MAKE X A
PUBLIC DOCU;T S T ANY"O :O HAS 6RELY ^U
X C F9D X 9 ! PUBLIC RECORDS4
  ,:ILE X IS IMPORTANT T "EY"O OV] AGE
#AH H A P[] ( ATTORNEY1 APPO9T+ AN AG5T
AF 2+ DIAGNOS$ )A *RONIC ILL;S IS EV5 M
IMPORTANT4 ,DEP5D+ ON YR PROGNOSIS1 Y >E
LIKELY 6H A SUB/ANTI,Y GRT] NE$ ?AN !
AV]AGE P]SON ( YR AGE 6H "S"O /EP 9 TO
HELP Y4 ,DEP5D+ ON YR ILL;S1 ? MAY EV5 2
A C]TA9TY4 ,Z ) ALL ( YR E/ATE PLANN+
DOCU;TS1 ! IMPACT ( YR DIAGNOSIS %D RE-
SULT 9 MODIFIC,NS 6! TYPICAL =M1 & Y %D
3SID] A4+ DETAIL$ 9/RUC;NS 6YR AG5T4 ,W
Y SU6] ANY COGNITIVE IMPAIR;T F YR 41SE8
,H[ %D T 2 A4RESS$8 ,! POSSI# C\RSES (
YR 41SE 7N J ! ANTICIPAT$ C\RSE7 MAY L1D
Y 63SID] ! LIMITS OR ALL[.ES ON !   #ADI
P[]S Y GIVE YR AG5T "U YR P[] (     B#FD
ATTORNEY4

           ,T]M9OLOGY ,US$ 9
           ,P[]S ( ,ATTORNEY

,LAWY]S1 L ALL SPECIALI/S1 LOVE J>GON4
,X'S N T !Y'RE 3SPIR+ 6MAKE MATT]S -PLI-
CAT$--X'S 2C ! USE ( SPECIFIC TE*NICAL
T]MS P]MITS PRECI.N4 ,"U/&+ "S (! J>GON
US$ = P[]S ( ATTORNEY W MAKE X EASI] 6"W
) YR LAWY] & PLAN & CR1TE ! DOCU;T Y
NE$4

    ,P[] ( ,ATTORNEY
8,P[] ( ATTORNEY0 REF]S 6! DOCU;T 9 : Y
"N A TRU/$ P]SON 6BE YR AG5T & C>RY \ YR
WI%ES4

    ,DURA# ,P[] ( ,ATTORNEY
,! DOCU;T IS CALL$ A 8DURA#0 P[] ( AT-
TORNEY 2C X GIVES YR AG5T ! "R 6ACT EV5
9 ! EV5T ( YR 4ABIL;Y4 ,IF YR P[]
-------------------------------------#FE
( ATTORNEY IS N DURA#1 X WD 2COME   #AEJ
9VALID ^U YR 2COM+ 4A#D4 ,T'S N (   A#FE
M* USE1 S ! DOCU;T %D 9CLUDE A /ATE;T 6!
E6ECT T3 8,? P[] ( ATTORNEY W REMA9 9
=CE & E6ECT EV5 IF ,I'M 4A#D40 ,9 MO/
/ATES1 ? IS ALL T'S NEC 6A*IEVE ? IMPOR-
TANT GOAL1 H["E1 REQUIRE;TS ( APPLICA#
/ATE LAW %D 2 -PLI$ ) 9 ALL CASES4 ,*ECK
)A LOCAL ATTORNEY4

    ,G5]AL ,P[] ( ,ATTORNEY
,A G5]AL P[] 5A#S YR AG5T 6TAKE C>E (
ANY MATT] T ! P[] ( ATTORNEY =M OR /ATE
LAW P]MITS4 ,? USU,Y 9CLUDES A V L;G &
BROAD LI/ ( LEGAL1 F9ANCIAL1 & O!R MAT-
T]S4 ,9 MO/1 B N ALL SITU,NS1 Y WD WANT
A G5]AL P[] ( ATTORNEY4 ,! SAMPLE =M IL-
LU/RAT$ 9 ! APP5DIX 6? *APT]
      ,',LOCAT$ ON PR9T PAGE #HD AT !
    2G9N+ ( ,VOLUME #C4,'
IS A G5]AL P[] ( ATTORNEY4 ,"! >E1 H["E1
"S SITU,NS 9 : S* A BROAD GRANT ( P[] IS
N APPROPRIATE4

    ,SPECIAL ,P[] ( ,ATTORNEY
,A SPECIAL P[] IS A P[] T IS        #AEA
LIMIT$ 9 SCOPE4 ,X ALL[S YR AG5T    B#FE
6H&LE ONLY "O "PICUL> TRANSAC;N OR P]H
"O TYPE ( TRANSAC;N4 ,A SPECIAL P[] IS
USE.S = G5]AL PLANN+ IF Y 2COME 4A#D 2C
Y DON'T "K :AT LEGAL & F9ANCIAL ISSUES
Y'RE GO+ 6FACE & :AT PRO#MS W >ISE4 ,2C
Y _C POSSIBLY "K :AT TYPE ( LIMIT$ P[]S
%D 2 GIV5 6AN AG5T "U A SPECIAL P[] (
ATTORNEY1 YR BE/ OP;N = G5]AL PROTEC;N &
E/ATE PLANN+ IS 6GIVE "S"O A G5]AL P[] T
W 2 BROADLY E6ECTIVE IF Y'RE 4A#D & T W
5A# YR AG5T 6H&LE ANY =ESEEA# F9ANCIAL
MATT]S4 ,S :Y WD Y "E WANT A SPECIAL OR
LIMIT$ P[]8 ,! EXAMPLES 2L PROVIDE TYPI-
CAL SC5>IOS 9 : ? TYPE ( P[] MI<T APPLY4

    ,EXAMPLE
,ASSUME Y'RE GO+ \ ( T[N =A BUSI;S MEET+
T _C 2 C.EL$4 ,UN=TUNATELY1 YR 3TRACT =
SELL+ YR H\SE IS S*$UL$ 6CLOSE T SAME
WEEK1 & Y H 6BE PRES5T AT ! CLOS+ 6SIGN
PAP]S4 ,:AT D Y D8 ,A SPECIAL P[] ( AT-
TORNEY CD 2 AN OP;N4 ,Y CD "N A TRU/$ FR
OR FAMILY MEMB] Z YR AG5T 6SIGN ANY DOC-
U;TS NEC 6-PLETE YR H\SE CLOS+4     #AEB
,? IS A SPECIAL                     C#FE
-------------------------------------#FF
P[] 2C Y'VE ONLY GIV5 ! AG5T "O LIMIT$
"R4 ,AF ! H\SE CLOS+ IS -PLET$1 ! AG5T'S
AU?OR;Y 5DS4

    ,EXAMPLE
,ASSUME Y'RE SELL+ YR BUSI;S 2C SYMPTOMS
RELAT$ 6YR ILL;S H WORS5$4 ,:ILE Y D
PRETTY WELL ON MO/ "DS1 "S "DS >E V T\<4
,N "K+ H[ Y W FEEL ON ! "D (! CLOS+1
S9CE ! DATE HAS 6BE AGRE$ ^U WELL 9 AD-
V.E1 Y H YR LAWY] :O IS H&L+ ! CLOS+
PREP>E A SPECIAL DURA# P[] ( ATTORNEY
AU?ORIZ+ YR AG5T 6SIGN ALL ! DOCU;TS RE-
LAT+ 6! SALE (! BUSI;S 8J 9 CASE40 ,? IS
A SPECIAL P[] 2C Y'VE ONLY GIV5 ! AG5T
"O LIMIT$ "R1 : IS LIMIT$ EV5 FUR!R 2C !
AG5T IS AU?ORIZ$ 6ACT ON YR 2HALF ONLY
IF Y >E TOO ILL 6D S YRF4 ,AF ! SALE (
YR BUSI;S IS -PLET$1 ! AG5T'S AU?OR;Y
5DS4


                                    #AEC
                  ,KEY              A#FF
7777777777777777777777777777777777777777
  ,? IS YET ANO!R EXAMPLE ( :Y X IS S
IMPORTANT 65SURE T YR ATTORNEY & O!R AD-
VISORS "U/& YR ILL;S & H[ X IMPACTS Y4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
    ,BUSI;S ,P[]
,IF Y [N OR OP]ATE A BUSI;S & >E TEMPO-
R>ILY HOSPITALIZ$ OR 2COME 9CAPACITAT$1
:O W SIGN *ECKS1 & A4RESS BUSI;S OR PRO-
FES.NAL PRACTICE MATT]S8 ,:O W SIGN !
PAYROLL & O!R *ECKS & 5SURE T YR EMPLOY-
EES 3T9UE RUNN+ ! BUSI;S IF Y >E \8 ,IM-
PROP] PLANN+ C CAUSE UNDUE DELAY & H>D-
%IP DUR+ AN ALR DI6ICULT "T1 & ? CD 2 A
SIGNIFICANT PRO#M4 ,PROP]LY PREP>$ DURA#
P[]S ( ATTORNEY >E AN IMPORTANT "P (!
SOLU;N IF YR BUSI;S OR PRACTICE IS OR-
GANIZ$ Z A 8SOLE PROPRIETOR%IP40 ,A SOLE
PROPRIETOR%IP IS SIMPLY A BUSI;S Y RUN
P]SON,Y1 9 3TRA/ 6A BUSI;S T IS ORGANIZ$
9 ANO!R =M 7CORPOR,N1 LIMIT$ LIABIL;Y
-PANY1 "PN]%IP1 ETC474 ,A 8SPECIAL0 P[]
GRANT$ 6A BUSI;S ADVIS] OR COLL1GUE 7OR
9 ! CASE (A PROFES.NAL PRACTICE1    #AED
A SIMIL>LY LIC5S$ PROFES.NAL7 C 2   B#FF
AN ESS5TIAL ASPECT ( PROTEC;N4
-------------------------------------#FG
  ,"U C]TA9 CIRCUM/.ES1 Y MAY NE$ 6-B9E
S"EAL DOCU;TS4 ,= EXAMPLE1 Y MAY WI% TO
GRANT A LIMIT$ P[] ( ATTORNEY 6A CLOSE
COLL1GUE 6AU?ORIZE HM OR H] 6P]=M C]TA9
FUNC;NS RELAT+ 6YR M$ICAL PRACTICE DUR+
A P]IOD :5 Y >E ILL OR O!RWISE UNAVAILA-
#4 ,S* A P[] ( ATTORNEY MAY EV5 PROVIDE
= -P5S,N4 ,Y MAY EXECUTE ANO!R P[] ( AT-
TORNEY GRANT+ YR SP\SE ! "R 6H&LE ALL
P]SONAL F9ANCIAL MATT]S4 ,IF YR BUSI;S
IS ORGANIZ$ Z A CORPOR,N1 Y MAY NE$ TO
SIGN M9UTES OR A UNANIM\S WRITT5 3S5T =!
CORPOR,N NAM+ ! 9T5D$ P]SON Z AN (FIC] (
! CORPOR,N 7E4G41 VICE PRESID5T7 9 ORD]
6VE/ 9 ? 9DIVIDUAL ! P[]S NE$$ 6ACT ON
2HALF (! CORPOR,N4 ,! "R APPROA* IS TO
3SULT YR BUSI;S ATTORNEY 7(T5 CALL$
8CORPORATE0 ATTORNEY7 & MAKE SURE T Y H
APPROPRIATE PRECAU;NS 9 PLACE4

    ,SPR++ ,P[] ( ,ATTORNEY
,*RONIC ILL;S CR1TES A NUMB] (      #AEE
CIRCUM/.ES 9 : A SPR++ P[] ( AT-    A#FG
TORNEY MI<T 2 APPLICA#4 ,? P[] IS "O T
ONLY SPR+S 96USE 7I4E41 YR AG5T'S P[]
2COMES E6ECTIVE7 :5 Y 2COME 4A#D4 ,?
PREV5TS YR AG5T F HAV+ ANY AU?OR;Y UNTIL
Y >E ACTU,Y 4A#D & NE$ ASSI/.E4 ,? MAY 2
! BE/ APPROA* IF Y PREF] N 6GRANT ANY
AU?OR;Y 6YR AG5T UNTIL X 2COMES ABSO-
LUTELY NEC4 ,! /R;GE/ >GU;T AG/ ! SPR++
P[] ( ATTORNEY IS T Y %D N GRANT ANY P[]
( ATTORNEY UN.S Y TRU/ ! P]SON "ND4 ,IF
TRU/ IS N AN ISSUE1 :Y RISK RE/RICT+ !
P[] ( ATTORNEY UNTIL Y 2COME 4A#D8 ,? CD
RAISE "QS Z 6:E!R OR :5 ! P[] ( ATTORNEY
HAS 2COME E6ECTIVE 7I4E41 :E!R Y >E 4A#D
& :5 Y ACTU,Y 2CAME 4A#D74 ,Y CD H A
PRIM>Y 7F/ "ND7 AG5T'S P[] E6ECTIVE IMM-
LY ^U SIGN+ YR P[] ( ATTORNEY 7E4G41 YR
SP\SE OR "PN]71 :ILE ! AU?OR;Y ( ALT]-
NATE AG5TS 7*N1 FRS7 2COMES E6ECTIVE ON-
LY :5 ^? AG5TS C LEG,Y DEMON/RATE YR
4ABIL;Y4 ,"S /ATES D N RECOGNIZE SPR++
P[]S ( ATTORNEY4 ,IF Y FEEL -=TA# NAM+
C]TA9 P Z AG5T IF _! P[] IS E6ECTIVE ON-
LY IF Y >E 4A#D1 3SULT AN E/ATE     #AEF
PLANN+ ATTORNEY 9 YR /ATE4          B#FG
  ,! TYPICAL ADVICE = "S"O )A *RONIC
ILL;S IS N 6USE A SPR++ P[] ( ATTORNEY1
B R 6SIGN A P[] T IS E6ECTIVE IMMLY4 ,!
R,NALE "H IS T Y MAY 2 PUTT+ YR AG5T
-------------------------------------#FH
7Z WELL Z YRF7 9 A PREC>I\S POSI;N 2C Y
>E IMPLICITLY BURD5+ T AG5T )! V R1L
POSSIBIL;Y T HE OR %E W H 6PROVE T Y >E
4A#D4
  ,! PRO#MS ( TRI7]+ A SPR++ P[] >E -MON
6ALL P1 N J ^? ) *RONIC ILL;S1 B "! >E
SITU,NS ": X MI<T 2 W>RANT$ & "WA#4 ,DE-
P5D+ ON ! NATURE ( YR ILL;S1 ! P[] MAY
ONLY H 6BE TRI7]$ ONCE1 :5 YR LEVEL (
9CAPAC;Y R1*ES A PO9T ": AN AG5T HAS TO
P]MAN5TLY TAKE OV]4 ,S IF Y H ,ALZHEI-
M]'S 41SE1 A SPR++ P[] ( ATTORNEY MAY N
2 UNR1SONA# 9 T X W LIKELY ONLY H 6BE
8SPRUNG0 ONCE4 ,AL? YR ATTORNEY MAY /
MA9TA9 T A P[] ( ATTORNEY T IS E6ECTIVE
^U SIGN+ IS PREF]A#1 IF Y FEEL /R;GLY AB
DEF]R+ ! "T UNTIL "S"O C ACT ON YR BE-
HALF1 Y C USE A SPR++ P[] ( ATTORNEY4
  ,M SIGNIFICANTLY1 IF YR *RONIC    #AEG
ILL;S IS PUNCTUAT$ 0FL>E-UPS 2T :   A#FH
Y C REMA9 9 3TROL ( YR A6AIRS1 B DUR+ :
Y MI<T NE$ HELP1 ? G5]IC ADVICE IS N P>-
TICUL>LY USE;L4

                  ,KEY
7777777777777777777777777777777777777777
  ,Y DON'T NE$ 6HIRE A SPECIALI/ 9 E/ATE
PLANN+ = *RONIC ILL;S OR A F9ANCIAL
PLANN] T FOCUSES ON CLI5TS ) *RONIC ILL-
;S4 ,TOO (T5 S* ADV]TIS$ 8SPECIALTIES0
>E J A M>KET+ GIMMICK4 ,Y WANT 6HIRE
-PET5T PROFES.NALS :OM Y C APPRISE 9 DE-
TAIL ( YR SITU,N4 ,A GD E/ATE PLANN+ AT-
TORNEY W QKLY "U/& ! NU.ES ? BOOK RAISES
& W HELP TAILOR !M 6Y 6! EXT5T DEEM$ AP-
PROPRIATE 9 8 OR H] PROFES.NAL JUDG;T4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
    ,IS ,YR ,*RONIC ,ILL;S ,PUNCTUAT$
    0,SPORADIC ,FL>E-,UPS8
,YR *RONIC ILL;S MAY FOLL[ AN ON-AG1 (F-
AG PATT]N 7I4E41 9T]MITT5T FL>E-UPS T >E
ASSOCIAT$ ) RELAPS+-REMITT+ ,,MS1 EPI-
LEPSY1 ,CROHN'S 41SE1 ULC]ATIVE COLITIS1
RHEUMATOID >?RITIS1 LUPUS1 & O!R    #AEH
*RONIC ILL;SES74 ,:AT ? M1NS IS T   B#FH
Y EXP]I;E P]IODS ( RELAPSE 7:5 YR SYMP-
TOMS 9CR1SE 9 SEV];Y7 & P]IODS ( REMIS.N
7:5 Y >E RELATIVELY ASYMPTOMATIC71 & ?
MAY CALL = SPECIAL PLANN+ ALT]NATIVES4
-------------------------------------#FI
  ,CROHN'S 41SE & ULC]ATIVE COLITIS >E
*RONIC DIGE/IVE 4ORD]S (! 9TE/9ES = : "!
>E NO CURES4 ,SYMPTOMS V>Y = ^! 41SES 9
AN UNPREDICTA# MANN]4 ,"S P MAY RECOV]
AF A S+LE ATTACK4 ,"S >E 9 REMIS.N =
YE>S 2F SU6]+ ANO!R UNEXPECT$ ATTACK4
,O!RS MAY FACE FREQU5T HOSPITALIZ,NS &
SURG]IES4 ,9 ANY CASE1 ! GRT *ALL5GE IS
D1L+ ) "S?+ T _C 2 =ESE5--UNPREDICTA#
ATTACKS T MAY MAKE X IMPRACTICAL 6MANAGE
F9ANCIAL & O!R A6AIRS = WEEKS AT A "T4
,J L 9DIVIDUALS ) =MS ( ,,MS "*IZ$ 0UN-
EXPECT$ EXAC]B,NS1 ^? ) ,CROHN'S 41SE &
ULC]ATIVE COLITIS MAY FACE UNEXPECT$
%ORT-T]M HOSPITAL /AYS :5 _! 3DI;NS FL>E
UP4 ,IF Y >E LIV+ ) "O ( ^! ILL;SES1 Y
LIKELY H YR FULL M5TAL FACULTIES B MAY
O3A.N,Y NE$ ! ASSI/.E ( AN AG5T ON A
%ORT-T]M & UNANTICIPAT$ BASIS TO    #AEI
H&LE R\T9E 7N MAJOR7 MATT]S4        A#FI
  ,IF Y H A FL>E-UP OR ATTACK1 Y WANT YR
AG5T 6ASSUME 3TROL Z SOON Z Y >E UNA# 6D
S2 Y AL WANT 3TROL 6REV]T 6Y Z SOON Z Y
2COME A# ONCE M 6H&LE YR A6AIRS4 ,SPR++
P[]S >E N DESIGN$ 6MAT* ^! NE$S 2C YR
AG5T WD P]IODIC,Y H 6G "? ! PROCESS (
DEMON/RAT+ YR 4ABIL;Y & !N RECOV]Y1 ?US
H9D]+ QK AC;N 6HELP Y 9 ! EV5T (A FL>E-
UP & AL POT5TI,Y H9D]+ YR "R 6RESUME
ACT+ ON YR [N 2HALF4 ,9 A WOR/-CASE SCE-
N>IO1 IMPLE;T+ A SPR++ P[] MAY M1N T 0!
"T YR AG5T HAS LEG,Y DEMON/RAT$ H] ABIL-
;Y 6S]VE1 Y MAY ALR 2 9 REMIS.N & AG 2
A# 6H&LE YR [N A6AIRS4

    ,EXAMPLE3 ,P[] ( ,ATTORNEY & ,MULTI-
    PLE ,SCL]OSIS
,JANE ,SMI? HAS ,,MS4 ,%E HAS L;G P]IODS
:5 %E IS FULLY CAPA# ( H&L+ ALL F9AN-
CIAL1 LEGAL1 & O!R MATT]S T A DURA# P[]
MAY COV]4 ,AL? %E USES A WALK+ AIDE &
/RU7LES ) FATIGUE1 %E IS ON TOP ( ALL H]
F9ANCIAL1 BUSI;S1 & O!R A6AIRS4 ,9 FACT1
%E 3T9UES 6OP]ATE A LUCRATIVE       #AFJ
DESIGN BUSI;S1 ONLY %E N[ DOES S    B#FI
\ (A HOME (FICE 6MAKE X EASI] 6RE/ :5 %E
IS FATIGU$4 ,H["E1 ,JANE'S P]IODS ( AC-
TIV;Y >E O3A.N,Y 9T]RUPT$ 0BRIEF P]IODS
( EXAC]B,N LA/+ "DS OR WEEKS :5 X IS
DI6ICULT OR IMPOSSI# = H] 6COPE )\T AN
AG5T'S ASSI/.E4 ,^! EXAC]B,NS >E UNPRE-
DICTA#1 & EV5 ! CAUSES T TRI7] !M >E G5-
],Y UNC]TA94 ,IF ! APPO9T;T (! AG5T IS
E6ECTIVE IMMLY ^U EXECU;N1 UN5CUMB]$ 0!
-------------------------------------#GJ
SPR++ ME*ANISM1 ! AG5T W 2 A# 6HELP DUR+
A %ORT-T]M EXAC]B,N OR RELAPSE4 ,! AG5T
C C$E 3TROL BACK 6,JANE Z SOON Z F1SI#1
T IS1 Z SOON Z ! ILL;S-RELAT$ ATTACK HAS
PASS$4 ,)A SPR++ P[]1 0! "T ! AG5T C LE-
G,Y DEMON/RATE ,JANE'S 4ABIL;Y1 ! RE-
LAPSE W PROBABLY H SUBSID$4
  ,ANO!R ISSUE ,JANE FACES IS T1 AL? %E
IS FULLY -PET5T 6H&LE ALL H] A6AIRS1 H]
MOBIL;Y ISSUES & FATIGUE (T5 MAKE X A
*ORE 6PHYSIC,Y G 6! BANK4 ,AL? ,JANE HAS
AUTOMAT$ Z _M BANK+ TASKS Z POSSI# ON-
L9E1 BUSI;S ISSUES DEM& H] PRES;E AT !
BANK AT L1/ S"EAL "TS A WEEK4       #AFA
,SIGN+ ! TYPIC,Y PROPOS$ IMM 7N     A#GJ
SPR++7 BROAD & G5]AL 7COV]S "EY?+7 P[] (
ATTORNEY WD CAUSE ,JANE 6C$E M 3TROL ?AN
%E RE,Y WANTS 6GIVE AN AG5T4 ,? DILEMMA
& SIMIL> CIRCUM/.ES C 2 A4RESS$ 0! HY-
BRID APPROA* 4CUSS$ 9 ! NEXT SEC;N4

    ,HYBRID ,APPROA* ,BE/ = ,"S ,*RONIC
    ,ILL;SES
,! ANSW] 6,JANE'S DILEMMA PROVIDES A
CR1TIVE & FLEXI# APPROA* T W B5EFIT _M P
) *RONIC ILL;S4 ,X IS AN APPROA* T MAXI-
MIZES ! B5EFITS ( SPR++ DURA# P[]S ( AT-
TORNEY = ^? FAC+ SPORADIC FL>E-UPS OR
ATTACKS4 ,X IS IMPORTANT 6NOTE T S* HY-
BRIDIZ,N M/ 2 APPROA*$ C>E;LLY & ONLY )!
ASSI/.E (A PROFES.NAL WELL V]S$ 9 ! AS-
SOCIAT$ RISKS & B5EFITS4
  ,IF Y H A *RONIC ILL;S B AL H L;G P]I-
ODS :5 Y >E CAPA# ( H&L+ ALL ( YR F9AN-
CIAL LEGAL & TAX MATT]S1 Y DON'T WANT TO
LOSE 3TROL OV] YR A6AIRS DUR+ ^? P]IODS4
,^! P]IODS MAY 2 9T]RUPT$ 0BRIEF P]IODS
( EXAC]B,NS LA/+ "DS OR WEEKS :5 X IS
DI6ICULT OR IMPOSSI# 6COPE )\T AN   #AFB
AG5T'S ASSI/.E4 ,9 MO/ SITU,NS YR   B#GJ
AG5T W N H 6MAKE ! MAJOR L;G-T]M DECI.NS
T AN AG5T = "S"O SU6]+ ) ,ALZHEIM]'S
41SE DE;TIA W H 6MAKE4 ,MAJOR DECI.NS C
PROBABLY 2 DEF]R$ UNTIL Y RECOV] F A
FL>E-UP4 7,? OBVI\SLY DOES N APPLY 69DI-
VIDUALS ) SIGNIFICANT & P]MAN5T DE;TIA F
,,AD OR "S O!R P]MAN5T 4ABL+ 3DI;N1 :O W
N"E AG 2 A# 6MAKE DECI.NS = !MVS47
  ,Z NOT$ ABV1 ,,MS EXAC]B,NS >E UNPRE-
DICTA#1 & "! IS NO A3URATE WAY 6ASSESS
:AT TRI7]S !M4 ,? MAKES ! G5]IC SPR++
ME*ANISM A CUMB]"S TOOL T (T5 CR1TES M
PRO#MS ?AN X
-------------------------------------#GA
SOLVES4 ,AN ALT]NATIVE IS 63SID] US+ TWO
SEP>ATE P[]S ( ATTORNEY 6PROTECT Y :ILE
SIMULTANE\SLY PRES]V+ YR 9DEP5D;E4
  ,! F/ DOCU;T IS A TYPICAL G5]AL DURA#
P[] ( ATTORNEY ) SPR++ PROVI.NS = AG5TS4
,%D YR 4ABIL;Y 9CR1SE 6! DEGREE AN AG5T
W H 6OP]ATE ON AN ONGO+ BASIS1 ? BROAD
P[] ( ATTORNEY1 SIMIL> 6T US$ 0E/ATE
PLANN]S G5],Y1 W 2 AVAILA#4 ,X 9CLUDES A
SPR++ ME*ANISM1 ) APPROPRIATE       #AFC
MODIFIC,NS T >E TAILOR$ 6A4RESS     A#GA
YR SPECIFIC ILL;S4 ,! SAMPLE CLAUSE 2L
ILLU/RATES H[ ? P[] C 2 TAILOR$4

            ,SAMPLE ,CLAUSE
7777777777777777777777777777777777777777
8,! ,GRANTOR % 2 DEEM$ 4A#D :5 ,GRANTOR
IS UNA# 6MANAGE ,GRANTOR'S A6AIRS &
PROP]TY E6ECTIVELY =A P]IOD ANTICIPAT$
2+ M ?AN ?IRTY 7#CJ7 "DS4 ,7,? DUR,N 0
9CLUD$ 6AVOID TRI7]+ ! P[] ( ANY SU3ES-
SOR AG5T 6ACT1 Z A RESULT (A %ORT-T]M
EXAC]B,N47' ,4ABIL;Y MAY 2 DET]M9$ 6EXI/
= R1SONS S* Z M5TAL ILL;S1 M5TAL DEFI-
CI5CY1 PHYSICAL ILL;S OR 4ABIL;Y1 ADV.ED
AGE1 *RONIC USE ( DRUGS1 *RONIC 9TOXICA-
;N1 OR = ANY O!R R1SON ALL[A# 0LAW4 ,9
A4I;N 6ANY O!R ME?OD ALL[$ 0LAW 6DET]M9E
4ABIL;Y1 X % 2 DEEM$ 3CLUSIVE PRO( T !
,GRANT 6! ,ALT]NATE ,AG5T IS E6ECTIVE ^U
A SWORN /ATE;T 2+ EXECUT$ 0,GRANTOR'S
ATT5D+ NEUROLOGI/40
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
  ,! SECOND DOCU;T IS A LIMIT$ P[] ( AT-
TORNEY1 E6ECTIVE IMMLY ) NO SPR++   #AFD
PROVI.N4 ,? P[] LIMITS ! AG5T'S     B#GA
"RS 6^? MATT]S T MI<T NE$ A4RESS+ DUR+ A
%ORT-T]M FL>E-UP OR EXAC]B,N4 ,NO P[] %D
2 PROVID$ 6MAKE GIFTS1 *ANGE B5EFICI>Y
DESIGN,NS ON 9SUR.E & RETIRE;T PLANS1
SELL R1L E/ATE1 ETC4 ,^? MAJOR DECI.NS C
WAIT UNTIL Y RECOV] F ! %ORT-T]M FL>E-
UP4 ,? PROVIDES A SECURE OP;N 9 ! EV5T !
AG5T "U A BROAD SPR++ P[] IS UNA# 6HELP
Y 7I4E41 2C (! DI6ICULTY & "T REQUIR$ TO
DEMON/RATE YR 4ABIL;Y74 ,? APPROA* DOES
N C$E P[]S T Y %D RETA9 OV] YR A6AIRS =!
=ESEEA# FUTURE & T YR ILL;S MAY N"E IM-
PACT1 YET X %D FACILITATE QK ASSI/.E
-------------------------------------#GB
IF NE$$4 ,! PURPORT$ PROTEC;N "S P BE-
LIEVE A SPR++ P[] PROVIDES 7I4E41 0LIM-
IT+ YR AG5T'S "R 6ACT UNTIL Y >E PROV5
4A#D7 >E UNNEC 9 ? P[] ( ATTORNEY 2C (!
LIMIT,NS ON ! "RS GRANT$4 ,! SAME P CD 2
"ND AG5TS 9 BO? ! G5]AL P[] 4CUSS$ ABV1
& ? LIMIT$ P[]1 S "! C 2 NO 3FLICT 2T !
AG5TS APPO9T$ "U EA*4

                                    #AFE
         ,-MON ,ISSUES ,A6ECT+      A#GB
           ,P[]S ( ,ATTORNEY

         ,DI6]5T ,TYPES ( ,P[]S
             ,Y ,MI<T ,SIGN

,"! >E _M DI6]5T TYPES ( P[]S ( ATTORNEY
T %D 2 3SID]$4 ,9 MO/ 9/.ES M ?AN "O
TYPE ( P[] W 2 WOR? 3SID]+ = OPTIMAL
FLEXIBIL;Y & PROTEC;N4 ,C>E M/ 2 EX]-
CIS$1 H["E1 2C EA* TYPE ( P[] PRES5TS XS
[N UNIQUE RISKS & %ORTCOM+S4

    ,BANK_/,BROK]AGE ,FIRM ,/&>D ,=M
,! F/ & SIMPLE/ /EP IS 6CALL YR BANK1
MUTUAL FUND1 &! BROK]AGE H\SES ": Y H YR
PRIM>Y A3.TS1 & ASK = _! /&>D =MS4 ,^!
MAY 2 Z SIMPLE Z A #C 0#E C>D ON : Y
FILL 9 ! A3.T "N1 A3.T NUMB]1 &! "N (!
P]SON Y WANT 6BE YR AG5T4 ,Y W SIGN X AT
! BANK OR 9 FRONT (A NOT>Y4 ,? IS AN EX-
CELL5T /EP 6TAKE4 ,IF ! BANK HAS A P[] (
ATTORNEY ON FILE1 X IS MO/ LIKELY 6R1DI-
LY A3EPT T AG5T'S SIGNATURE )\T "Q4 ,J 2
C]TA9 T Y IMPLICITLY TRU/ ! P]SON   #AFF
Y >E NAM+ 9 ? CAPAC;Y S9CE ! B5E-   B#GB
FIT (! 8SPR++0 P[] IS N AVAILA# 9 ^! IN-
/.ES4

    ,/&>D_/,/ATUTORY ,/ATE ,PREPR9T$ ,=M
,ANO!R TYPE ( P[] ( ATTORNEY IS ! /&>D
=M US$ 9 YR /ATE4 ,MO/ /ATES H "O OR P]H
TWO -PANIES T PR9T =MS T LAWY]S1 BANKS1
& O!R F9ANCIAL 9/ITU;NS MO/ -MONLY USE 9
T /ATE4 ,^! =MS >E (T5 BAS$ ON A /ATE
/ATUTORY P[] ( ATTORNEY &1 Z S*1 %D
TRACK ! LANGUAGE (! /ATE /ATUTE4 ,OBTA9+
A3ESS 6"O ( ^? =MS 7-MONLY1 !Y C 2 PUR-
*AS$ =A FEW DOLL>S
-------------------------------------#GC
9 AN (FICE SUPPLY /ORE OR LEGAL SUPPLY
H\SE OR >E AVAILA# ONL9E7 C 5A# Y 6PUT 9
PLACE A SIMPLE1 BASIC LEVEL ( PROTEC;N4
,! P[]S ( ATTORNEY 9 ALM ALL 9/.ES M/ 2
NOT>IZ$ &1 9 _M 9/.ES1 "S"O %D WIT;S YR
SIGNATURE Z WELL4
  ,^! =MS >E TYPIC,Y "O 6F\R PAGES1 REL-
ATIVELY SIMPLE1 WIDELY A3EPT$ & RECOG-
NIZ$ 0ALL 9/ITU;NS1 ATTORNEYS1 ETC41 9 !
/ATE4 ,! KEY ADVANTAGE T ^! =MS H   #AFG
IS T !Y >E %ORT1 SIMPLE1 9EXP5-     A#GC
SIVE1 & R1DILY A3EPT$4 ,H["E1 & ? IS AN
IMPORTANT CAU;N1 Y %D 2 C]TA9 6REVIEW !
PROVI.NS ( ^! =MS ) AN ATTORNEY4

    ,-PREH5SIVE ,P[]
,P]H ! MO/ IMPORTANT TYPE ( P[] ( ATTOR-
NEY IS AN ATTORNEY DRAFT$ -PREH5SIVE DU-
RA# P[] ( ATTORNEY =M TAILOR$ SPECIFIC,Y
= YR CIRCUM/.ES4 ,? IS IMPORTANT 2C !
/&>D =MS LACK _M IMPORTANT PROVI.NS4 ,2F
RETA9+ AN ATTORNEY1 MAKE SURE HE OR %E
IS A SPECIALI/ 9 ! E/ATE PLANN+ >EA4 ,Y
%D 9QUIRE :E!R ! ATTORNEY "U/&S ! SPE-
CIAL PROVI.NS T %D 2 9 A -PREH5SIVE P[]
( ATTORNEY & T ! /&>D =MS LACK4 ,^! SPE-
CIAL PROVI.NS 9CLUDE ! "R 6MAKE GIFTS1 !
"R 6D1L )! ,,IRS1 & M -PREH5SIVE P[]
PROVI.NS4 ,! "R 6MAKE GIFTS IS ESS5TIAL4
,)\T SPECIFIC,Y PROVID+ =! AG5T'S "R TO
MAKE A GIFT1 ! ,,IRS 7"U ! LAWS ( _M
/ATES7 W N A3EPT ! AG5T'S GIFTS Z B9D+ =
TAX PURPOSES4 ,? C 2 V IMPORTANT 2C />T+
& 3T9U+ AN A7RESSIVE GIFT PROGRAM IS AN
ESS5TIAL E/ATE PLANN+ TOOL4 ,!      #AFH
ABIL;Y 63T9UE ? PLAN OR PROGRAM 9   B#GC
! EV5T ( YR 4ABIL;Y CD 2 ESS5TIAL 6SAV+
T5S ( ?\S&S ( E/ATE TAX DOLL>S = YR
HEIRS4 ,SPECIFIC & DETAIL$ AU?OR;Y 6D1L
)! ,,IRS IS IMPORTANT4 ,9 ! EV5T ( AN
,,IRS LI51 :E!R MISTAK5LY OR APPROPRI-
ATELY PLAC$ ON "O ( YR A3.TS1 X IS ESS5-
TIAL T AU?OR;Y 2 GIV5 6! AG5T 6D1L )!
,9T]NAL ,REV5UE ,S]VICE4 ,/&>D =MS D N
9CLUDE S* LANGUAGE1 & ? C CR1TE DI6ICUL-
TIES 9 ! EV5T (A 4ABIL;Y4 ,^! >E 4CUSS$
9 GRT] L5G? LAT] 9 ? *APT]4
  ,MO/ -PREH5SIVE P[] ( ATTORNEY =MS >E
L5G?Y & 3TA9 BROAD DETAIL$ P[]S T GRANT
! AG5T SPECIFIC AU?OR;Y 6D1L ) V>I\S
TYPES ( SITU,NS4 ,^! 9CLUDE FUND+ A REV-
OCA# LIV+ TRU/ 6M9IMIZE OR AVOID PRO-
BATE1 D1L+ ) BUSI;S MATT]S1 & O!R MATT]S
T ! /&>D =MS OR YR /ATE'S LAW MAY N AD-
DRESS4
-------------------------------------#GD
    ,H[ ,M* ,AU?OR;Y ,%D ,AN ,AG5T ,2
    ,GIV58
,DECID+ H[ M* AU?OR;Y 7& :57 Y %D GIVE
YR AG5T 0 4CUSS$ E>LI] 9 ? *APT]    #AFI
9 ! 3TEXT ( SPR++ P[]S & CRAFT+     A#GD
P[]S 6FIT YR "PICUL> *RONIC ILL;S4 ,B ?
ISSUE HAS BROAD IMPLIC,NS 2Y J ! MODI-
FIC,NS 4CUSS$ ABV T Y MI<T 3SID] 9 LI<T
( YR DIAGNOSIS4 ,P[]S ( ATTORNEY >E S]I-
\S DOCU;TS & C 3VEY SUB/ANTIAL AU?OR;Y1
9 ! EXTREME 5ABL+ "S"O 6*ANGE ! 5TIRE
4POSITIVE S*EME ( YR E/ATE PLAN & GIFT
AWAY ALL ASSETS4 ,IF ! GRANTOR DOES N
SU6ICI5TLY TRU/ "S"O 6ACT 9 8 OR H] BE/
9T]E/1 O!R OP;NS %D 2 3SID]$4

    ,EXAMPLE
,AN ELD]LY WID['S NE>E/ LIV+ RELATIVE 0
A NEPHEW %E SAW A FEW "TS A YE> >.D !
HOLI"DS4 ,%E "ND ! NEPHEW Z AG5T "U A
G5]AL P[] ( ATTORNEY4 ,! NEPHEW1 R1LIZ+
T 8 ELD]LY AUNT _H LIMIT$ MOBIL;Y & LIM-
IT$ AW>E;S1 2GAN 6ACTIVELY USE H] FUNDS
= 8 [N B5EFIT4 ,0! "T HE 0 4COV]$ &! P[-
]S 7 REVOK$1 HE _H NE>LY WIP$ \ 8 AUNT'S
E/ATE4 ,0!N 8 AUNT 0 TOO ELD]LY & 9FIRM
6PURSUE ! MATT] & _H 9SU6ICI5T FUNDS TO
HIRE AN ATTORNEY4 ,! NEPHEW 0 N"E TAK5
6TASK = 8 AC;NS4                    #AGJ
                  ,KEY              B#GD
7777777777777777777777777777777777777777
  ,IF "! IS NO "O :O IS #AJJ P]C5T TRU/-
WOR?Y2 3SID] SETT+ UP A REVOCA# LIV+
TRU/ )A BANK OR TRU/ -PANY Z COTRU/EE1
OR SU3ESSOR COTRU/EE4 ,? W GIVE Y 7!
GRANTOR7 TOTAL 3TROL ( ASSETS & PROVIDE
= PROFES.NAL MANAGE;T ( YR 9VE/;TS4 ,LI-
ABIL;Y 9SUR.E1 GOV]N;T REGUL,NS & AU-
DITS1 & 9T]NAL 3TROLS1 : ALL L>GE 9/ITU-
;NS H1 PROVIDE ASSUR.E T YR ASSETS W 2
SAFE4 7,SEE ,*APT] #AB47
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
          ,P[] ,6,MAKE ,GIFTS

    ,P[] ,( ,AG5T ,6,MAKE ,GIFTS ,G5],Y
,IF Y >E UNA# 6SIGN & 4TRIBUTE *ECKS OR
MEET )A LAWY] 6PLAN M -PLEX GIFTS 7E4G41
! TRANSF] ( "P (! [N]%IP (A FAMILY
-------------------------------------#GE
BUSI;S71 A P[] ( ATTORNEY C AU?ORIZE YR
AG5T 6MAKE GIFTS 6P Y DESIGNATE & TAKE
O!R AC;NS 6M9IMIZE YR E/ATE TAX4 ,Y C
AU?ORIZE YR AG5T1 Z _M =M P[]S D1 6MAKE
ANNUAL GIFTS UP 6! MAXIMUM AM.T     #AGA
P]MITT$ )\T ANY GIFT TAX 3SEQU5C-   A#GE
ES4 ,? C 2 Q A L>GE AM.T4 ,X 9CLUDES
4#AC1JJJ GIFTS 9 ANY YE> 6Z _M DI6]5T P
Z Y WANT4 ,IF Y H A SCORE ( NIECES &
NEPHEWS1 T'S BIG BUCKS4 ,! 4#AC1JJJ AM.T
IS ! ALL[A# FIGURE = #BJJI1 B 2C X IS
9DEX$ = 9FL,N1 A L>G] LIMIT MAY APPLY 9
LAT] YE>S4 ,9 A4I;N1 Y C AL GIVE UNLIM-
IT$ AM.TS = TUI;N & M$ICAL PAY;TS 7I4E41
^! PAY;TS >E N C.T$ T[>D ! 4#AC1JJJ AN-
NUAL EXCLU.N FIGURE74 ,IF ^? SAME SCORE
( NIECES & NEPHEWS >E ALL 9 PRIVATE COL-
LEGES1 Y CD !ORETIC,Y GIFT MILLIONS OV]
A %ORT "T4 ,! P[] ( YR AG5T 6MAKE GIFTS
C 2 A TREM5D\S PLANN+ TOOL1 B X C ADD UP
6SIGNIFICANT SUMS4

    ,EXAMPLE
,A "F 2GAN A REGUL> GIFT PROGRAM 9 : HE
& 8 WIFE JO9 9 MAK+ ANNUAL GIFTS ( /OCK
6EA* ( _! F\R *N1 _! *N'S SP\SES1 & _!
T5 GR&*N4 ,! GIFTS >E EA* 4#BD1JJJ 9
VALUE1 ! MAXIMUM AM.T T C 2 GIV5 AWAY
EA* YE> )\T ANY GIFT TAX 2+ DUE1 =A TO-
TAL ( 4#DCB1JJJ                     #AGB
,77#D @+ #D @+ #AJ7 @* 4#AB1JJJ     B#GE
@* #B7' BAS$ ON ! #BJJH MAXIMUM GIFT
LIMIT ( 4#AB1JJJ P] D"OE4 ,! "F FALLS
ILL 9 ,DECEMB] & IS UNA# 6SIGN ! NEC
DOCU;TS 6MAKE A TRANSF] =! YE> S ! C\PLE
MAKES NO GIFTS 9 T YE>4 ,! C\PLE CD 9CUR
AN UNNEC A4I;NAL E/ATE TAX CO/ ( Z M* Z
4#BAF1JJJ 7ASSUM+ A #EJ P]C5T MAXIMUM
RATE1 AL? ! ACTUAL F$]AL RATE IS L[]7 2C
? GIFT 0 N MADE4 ,_H ! "F PREP>$ AN AP-
PROPRIATE P[] ( ATTORNEY1 8 AG5T MAY H
BE5 A# 6H&LE ! PAP]"W NEC 6MAKE ! GIFTS
& ELIM9ATE ? UNNEC E/ATE TAX BURD54 ,!
FIGURE WD 2 HI<] IF GIFTS = TUI;N & M$I-
CAL EXP5SES 7 AL MADE4

    ,%D ,Y ,CURTAIL ,OR ,ELIM9ATE ,GIFT
    ,P[]S 9 ,LI<T ( ,YR ,ILL;S8
,MO/ P[]S ( ATTORNEY AU?ORIZE AG5TS TO
MAKE GIFTS4 ,! FATIGUE1 COGNITIVE IM-
PAIR;T1 OR O!R SYMPTOMS ( YR ILL;S MAY
MAKE X DI6ICULT = Y
-------------------------------------#GF
6"W AT ! SAME PACE Z PREVI\SLY4 ,Y MAY
EV5 H 6C1SE "W+ ALT4 ,H["E1 IF      #AGC
EMPLOY]-PROVID$ 9SUR.E COV]AGE IS   A#GF
LO/1 ! \-(-POCKET CO/S ( TR1T;T !RAPIES
IS TREM5D\S1 (T5 T5S ( ?\S&S ( DOLL>S P]
YE>4 ,?US1 ! ECONOMIC R1L;Y ( YR DIAGNO-
SIS MAY W>RANT _! RECONSID],N ( GIFT P[-
]S4 ,AL? A BROAD GIFT AU?OR;Y MAY H BE5
APPROPRIATE 2F YR DIAGNOSIS1 X MI<T 2
ADVISA# 7FOLL[+ A DIAGNOSIS (A *RONIC
ILL;S7 6EXPRESSLY PROHIBIT GIFTS 9 ORD]
6PRES]VE RES\RCES = YR [N UNC]TA9 FU-
TURE4

    ,P[] ,6,MAKE ,GIFTS = ,M$ICAID
    ,PLANN+
,= _M P )A *RONIC ILL;S1 ! OPPOSITE AP-
PROA* 6GIFTS MAY 2 PREF]A#4 ,! ONLY WAY
6ASC]TA9 ? IS 63SULT ) AN ELD] LAW AT-
TORNEY4 ,GIFTS 6REDUCE ASSETS = ,M$ICAID
PURPOSES1 = EXAMPLE1 >E 2COM+ M PREVA-
L5T4 ,MAK+ A TRANSF] 6REDUCE YR ASSETS
REQUIRES T ! P[] ( ATTORNEY H A BROAD
GIFT P[] SU6ICI5T 6GIVE AWAY ALL ASSETS4
,IF ! CLAUSE IS N SU6ICI5TLY PRECISE1
GOV]N;TAL AU?ORITIES W N RESPECT !
GIFTS4 ,S* A P[] IS S BROAD T X     #AGD
MAKES YR P[] ( ATTORNEY TANTAM.T    B#GF
6A W 9 T X 2COMES YR PRIM>Y 4POSITIVE
DOCU;T4
  ,? RAISES A HO/ ( RISKS & ISSUES4 ,"O
ISSUE IS T MO/ /ATE LAWS H V FEW RE-
QUIRE;TS =! E6ECTIVE;S (A P[] ( ATTORNEY
7P]H A NOT>Y ONLY1 NO WIT;SES1 ETC474
,:5 A P[] 2COMES YR PRIM>Y 4POSITIVE
DOCU;T1 M C>E %D 2 TAK5 65SURE T C]TA9
SAFEGU>DS EXI/4 ,?9K ( H[ DANG]\S ? CD 2
)\T S* SAFEGU>DS4 ,:AT IF A HOME H1L?
"W] HAS Y SIGN A P[] :5 Y >E N RE,Y COG-
NIZANT (! IMPACT OR 3SEQU;ES ( :AT Y >E
DO+8 ,PLANN+ 9 ADV.E1 P]H FUND+ A REVO-
CA# TRU/ ) AN 9/ITU;NAL TRU/EE1 C AVOID
! RISK & PREV5T M* H>M 6YR E/ATE4

    ,SPECIAL 3SID],NS = ,NAM+ ,AG5TS
,DEP5D+ ON ! SYMPTOMS ( YR *RONIC 41SE1
Y W H 63SID] ! AVAILABIL;Y & RELIABIL;Y
(! AG5T Y *OOSE 6"N4 ,9 ! EV5T (A RE-
LAPS+ 41SE1 W YR AG5T 2 AVAILA# QKLY8
,IF YR 41SE PROGRESSES IRREP>ABLY1 W YR
AG5T H "T 6S]VE = AN EXT5D$ P]IOD ( "T8
,Y MAY AL WANT 63SID] EXACTLY :OM   #AGE
Y >E APPO9T+ 6? POSI;N4 ,Y MAY H    C#GF
PREVI\SLY ASSUM$ X WD 2 "O P]SON1 B DOES
YR DIAGNOSIS *ANGE T8 ,:5 Y TOLD
-------------------------------------#GG
YR FAMILY & FRS AB YR ILL;S1 H[ DID !Y
REACT8 ,7 !Y SUPPORTIVE8 ,"U/&+8 ,DID !Y
FULLY -PREH5D ! IMPACT ( YR 41SE8 ,^! >E
ONLY A FEW (! NEW ISSUES Y W NE$ 63SID]
:5 *OOS+ A P]SON :O W S]VE ON YR 2HALF4
,X MAY 2 DI6ICULT N 6*OOSE "S"O :O EX-
PECTS 6BE *OS51 B Y M/ SELECT ! AG5T :O
BE/ "U/&S ! IMPACT ( YR 41SE & :O W BE/
IMPLE;T YR WI%ES IF Y _C4
  ,Y %D "N S"EAL ALT]NATE AG5TS Z A PRE-
CAU;N 9 ! EV5T T ! PRIM>Y AG5T IS UNA#
OR UNWILL+ 6TAKE ! NEC AC;NS4 ,? IS ES-
PECI,Y IMPORTANT IF YR ILL;S CD RESULT 9
YR REQUIR+ HELP =A L;G P]IOD1 EV5 DEC-
ADES4

         ,O!R ,PROVI.NS 6,3SID]

    ,%D ,YR ,AG5T ,2 ,GIV5 ,UNLIMIT$
    ,P[]8
,YR AG5T IS G5],Y AU?ORIZ$1 AM;G    #AGF
O!R ?+S1 6SIGN *ECKS 6PAY = YR      A#GG
M$ICAL C>E IF Y >E HOSPITALIZ$ UNEXPECT-
$LY4 ,H&L+ F9ANCIAL A6AIRS1 COLLECT+
DIVID5D *ECKS1 SELL+ /OCKS & BONDS1 &
O!R BASIC F9ANCIAL TRANSAC;NS >E AL G5]-
,Y AU?ORIZ$4 ,Y MAY1 H["E1 WI% 6PLACE
RE/RIC;NS ON ! SCOPE ( YR AG5T'S AC;NS4
,? 0 4CUSS$ ABV 9 ! 3TEXT ( H[ Y MI<T
TAILOR YR P[] ( ATTORNEY 6A4RESS AN ON-
AG1 (F-AG ILL;S1 & 9 LI<T (A SPR++ P[]4
,REMEMB]1 9 ALL 9/.ES1 ! DOCU;TS Y SIGN
M/ A3OMPLI% YR GOALS & D1L ) YR UNIQUE
CIRCUM/.ES4
  ,= EXAMPLE1 Y MI<T LIMIT YR AG5T 6P]-
MIT ONLY ! PAY;T ( C]TA9 EM]G5CY EXP5S-
ES4 ,Y CD EXPRESSLY P]MIT1 OR D5Y1 YR
AG5T ! "R 6SELL YR HOME OR O!R R1L E/ATE
ASSETS4 ,GIFT GIV+ ALW W>RANTS C>E;L AT-
T5;N4 ,! =M PROVID$ 9 ? BOOK DOES N
PLACE ANY RE/RIC;NS ON YR AG5T4 ,IF Y >E
3C]N$1 "! >E S"EAL OP;NS Y %D EVALUATE4
,SUPPOSE1 AT "S PO9T1 Y R1LIZE T Y MAY H
SELECT$ ! WR;G P]SON Z AG5T4 ,IF Y D N
FEEL 5 TRU/ & 3FID;E 9 ? P]SON1 Y MAY 2
MOTIVAT$ 6RE/RICT 8 OR H] P[]S OR   #AGG
3SID] NAM+ A DI6]5T P]SON Z AG5T4   B#GG
,9 "S CASES1 AL? X IS CUMB]"S F AN ADM9-
I/RATIVE P]SPECTIVE & YR ATTORNEY MI<T
EV5 ADVISE AG/ X1 Y MI<T H 6APPO9T TWO
CO-AG5TS 6ACT TGR4 ,! REQUIRE;T = TWO
SIGNATURES 6APPROVE ANY AC;N MAY GIVE Y
!
-------------------------------------#GH
ASSUR.E Y WANT ( NEI AG5T VIOLAT+ YR
WI%ES OR TAK+ ADVANTAGE ( Y4 ,IF Y DON'T
H ANY"O ELSE 6"N1 Y MI<T NE$ A REVOCA#
LIV+ TRU/ ) AN 9/ITU;N Z A TRU/EE OR Z
COTRU/EE4 7,SEE ,*APT] #AJ47

    ,BUSI;S ,P[]S
,! G5]AL 4CUS.N ( BUSI;S P[]S ( ATTORNEY
PRES5T$ ABV C AL 2 REVIEW$ =! PURPOSE (
SETT+ LIMITS1 MAK+ MODIFIC,NS1 OR 3SID]-
,N ( SPECIAL NU.ES4 ,IF Y H A BUSI;S1 S*
Z A HOME-BAS$ BUSI;S1 : IS N A CORPOR,N1
"PN]%IP1 OR O!R 5T;Y1 YR AG5T "U YR P[]
( ATTORNEY C 2 AU?ORIZ$ 6H&LE BUSI;S
MATT]S = Y4 ,IF YR BUSI;S IS A CORPOR,N1
"PN]%IP1 LIMIT$ LIABIL;Y -PANY1 OR O!R
TYPE ( 5T;Y1 YR P[] ( ATTORNEY      #AGH
MAY N AU?ORIZE Y 6TAKE AC;N = T     A#GH
5T;Y4 ,! 5T;Y XF M/ D T4 ,IF YR BUSI;S
IS A CORPOR,N1 ! %>EHOLD]S %D APPO9T P
6S]VE Z DIRECTORS4 ,! DIRECTORS W G5],Y
APPO9T (FIC]S4 ,"S"TS1 B N ALW1 ALL (FI-
C]S W 2 APPROV$ 9 ! CORPORATE M9UTES TO
SIGN BANK A3.TS OR H&LE O!R TRANSAC;NS4
,IF Y H ^! ISSUES1 DON'T TAKE *.ES4 ,9
ALL S* CASES1 3SULT )A CORPORATE OR
BUSI;S ATTORNEY & 2 C]TA9 T 4ABIL;Y IS-
SUES >E A4RESS$4 ,A %>EHOLD] AGREE;T &
BUY-SELL AGREE;T %D 2 REVIEW$ OR1 IF Y
DON'T H !M1 OBTA9 !M4 ,IF Y OP]ATE A
PROFES.NAL PRACTICE Z A SOLO PRACTI;N]1
Y MAY 2 OBLIGAT$ 6PREP>E A SPECIAL LIM-
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6MANAGE YR PRACTICE DUR+ AN ILL;S OR
4ABIL;Y & 6TRANSI;N YR PRACTICE 9 ! EV5T
(A P]MAN5T 4ABIL;Y OR D1?4

    ,EXAMPLE
,DANA ,J"OS IS AN ATTORNEY4 ,%E LIVES )
H] "PN]1 ,S>AH1 :O IS A CLO?+ DESIGN]4
,DANA _C "N ,S>AH 6H&LE LEGAL       #AGI
MATT]S = H] LAW PRACTICE DUR+ A     B#GH
P]IOD T ,DANA _C ACT 2C ,S>AH IS N AN
ATTORNEY4 ,DANA "!=E SIGNS A LIMIT$
7SPECIAL7 DURA# 7E6ECTIVE DUR+ 4ABIL;Y7
P[] ( ATTORNEY 6H] COLL1GUE ,JOHN ,SMI?
NAM+ HM Z AG5T 6MANAGE H] PRACTICE IF %E
_C4 ,DANA GIVES ,S>AH A G5]AL 7BROAD &
ALL 5COMPASS+7 DURA# P[] ( ATTORNEY TO
H&LE ALL H] O!R A6AIRS4 ,6AVOID ANY CON-
FLICT 2T ,S>AH & ,JOHN1 ,DANA PROVIDES 9
! G5]AL P[] 6,S>AH "O RE/RIC;N--,S>AH _C
MAKE DECI.NS
-------------------------------------#GI
3C]N+ ,DANA'S LAW PRACTICE4 ,FUR!RMORE1
6BETT] COORD9ATE ! ACTIVITIES ( H] TWO
AG5TS1 ,DANA SPECIFIC,Y AU?ORIZES ,S>AH
6LOAN M"OY 6H] LAW PRACTICE IF NEC 6HELP
X "? A P]IOD ( "T :5 %E _C "W 7E4G41 TO
HIRE /AFF 6COV] = H]74

    ,P[] 6,D1L )! ,TAX ,AU?ORITIES
,D1L+ )! ,,IRS C 2 AN IMPORTANT MATT]4
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A TAX RETURN = Y 7,=M #AJDJ P]SONAL IN-
-E TAX RETURN71 OR YR HOME BUSI;S   #AHJ
7E4G41 SALES TAX RETURN71 H&LE A    A#GI
TAX AUDIT1 OR A4RESS A LI5 ]RONE\SLY
PLAC$ ON YR A3.TS4 ,? IS AN ESS5TIAL "P
( YR PLANN+4 ,YR P[] ( ATTORNEY %D IN-
CLUDE3

,SPECIFIC "RS 6D1L ) ,,IRS 7F$]AL71 /ATE
  7/ATE 9COME TAX1 SALES TAX IF Y H A
  BUSI;S71 & LOCAL 7E4G41 T[N PROP]TY
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  P[] ( ATTORNEY 6FACILITATE YR AG5T'S
  "W ) TAX AU?ORITIES4
,AU?ORIZE YR AG5T 6SIGN ANY A4I;NAL DOC-
  U;TS REQUIR$ = HM OR H] 6"W )! V>I\S
  TAX AU?ORITIES1 9CLUD+ B N LIMIT$ 6!
  ,,IRS ,=M #BHDH 4CUSS$ 2L4

  ,9 A4I;N 6AU?ORIZ+ YR AG5T 6D1L )!
,,IRS & H&LE O!R TAX MATT]S 9 YR P[] (
AU?OR;Y1 X C 2 HELP;L 9 C]TA9 CIRCUM/.ES
6SIGN A SPECIAL ,,IRS =M = ? PURPOSE4
,ALW *ECK ) YR A3.TANT 2F DO+ ?4 ,=M
#BHDH IS ! ,,IRS P[] ( ATTORNEY T AU?OR-
IZES "S"O 6ACT ON YR 2HALF )        #AHA
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DIT$ 0! ,,IRS1 "O (! F/ ?+S YR ATTORNEY
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,=M #BHDH1 8,P[] ( ,ATTORNEY & ,DECL>,N
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,,IRS 2F ANY ,,IRS AG5T W -MUNICATE ) YR
A3.TANT4 ,AL? ! =M IS Q SIMPLE1 "! >E A
NUMB] ( PO9TS & PRACTICAL SU7ES;NS T C
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SUPPLY ( EXTRA SIGN$ =MS W ELIM9ATE !
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SIGNATURE1 ESPECI,Y IF Y MAKE !M APPLI-
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  ,R1D ! =M 2F Y SIGN4 ,Y D N NE$ 6AU-
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TYPES ( TAXES O!R ?AN :AT
-------------------------------------#HJ
! "PICUL> AUDIT IS AB4 ,? IS "O WAY = Y
63TROL :AT YR A3.TANT IS DO+ 2F SEEK+ YR
APPROVAL4 ,:ILE ? MAY 2 APPROPRIATE =
MO/ TAXPAY]S1 DEP5D+ ON YR CIRCUM/.ES1 A
BROAD] GRANT ( AU?OR;Y MAY 2        #AHB
PREF]A#4 ,"! >E BOXES 6*ECK 6TELL   A#HJ
! ,,IRS ": 6S5D -MUNIC,N 3C]N+ ! AUDIT4
,MAKE SURE BO? Y & YR A3.TANT GET COP-
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( ATTORNEY71 S Y 7OR YR AG5T7 C MONITOR
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?ORIZ,N 6RCV ! PAY;T ( ANY REFUND4 ,ONLY
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! BOX AU?ORIZ+ YR A3.TANT 6RCV ANY RE-
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]7S7 SIGN+ ! =M4 ,) ? 9 M9D1 3SID] EX-
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AG5T4

    ,-P5SAT+ ,YR ,AG5T
,G5],Y1 AG5TS "U A P[] ( ATTORNEY >E N
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TIVITIES YR AG5T MAY 2 REQUIR$ 65GAGE 9
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9T]VALS8 ,IF Y D 9CLUDE A -P5S,N    B#HJ
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AG5T IS LIKELY 6S]VE8 ,Y PROBABLY D N
WANT 6"UCOMP5SATE AN AG5T 7EV5 A FAMILY
MEMB]7 :O S]VES FULL "T = _M MON?S OR
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DOESN'T NE$ 6GET PD 6HELP \4 ,! R1L;Y IS
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\SLY7 MAY H 6H&LE PAY+ YR BILLS1 FIL+ YR
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                                    #AHD
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AN AG5T'S -P5S,N "U A P[] ( ATTORNEY4
,:ILE T MAY "W1 X IS A TE*NICAL APPROA*
& LEGAL ADVICE W 2 NEC 69T]PRET & IMPLE-
;T S* A PROVI.N4 ,MOREOV]1 :ILE ? TYPE (
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TI5TS1 ATTACKS MAY RECUR S"EAL "TS A
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2 IMPRACTICAL 7PRORAT+ A /ATUTORY P]C5T-
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PREF]A#4 ,? TYPE ( -P5S,N CD        #AHE
*ANGE ) *ANG+ CIRCUM/.ES4 ,T IS1    A#HA
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( ATTORNEY 4CUSS$ ABV CD 2 PROVID$ Z
FOLL[S3

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8,IN ! EV5T AN AG5T ACTS "H"U1 ! AG5T %
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WEEKS 9 ANY GIV5 YE>4 ,-P5S,N HAS BE5
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9VOLVE;T1 & 9 RECOGNI;N (! POT5TIAL =
HAV+ 6ACT ) LL NOTICE & AT 9CONV5I5T
"TS40

  ,9 PLA9 ,5GLI%1 ? C 2 TRANSLAT$ Z 8,I
WANT 6REW>D & MOTIVATE ! AG5TS 6ACT1 EV5
?\< %E IS A CLOSE FR OR FAMILY MEMB] :O
WD ACT )\T -P5S,N40 ,EV5 ! O3URR;E (
S"EAL EXAC]B,NS DUR+ A YE> %D R1DILY 2
COV]$ 0! SIX-WEEK P]IOD4 ,B ? CAP   #AHF
W PREV5T ! 9T5D$ REW>D F 2COM+ AN   B#HA
UNR1SONA# EXP5SE IF A P]MAN5T ISSUE
>ISES4 ,! SECOND TI] WD 2 -P5S,N Z A
TRU/EE 4CUSS$ ABV4
-------------------------------------#HB
    ,/ATE-,SPECIFIC ,ISSUES2 ,RECORD+
,Z NOT$ E>LI] 9 ? *APT]1 X IS IMPORTANT
6A4RESS ANY "PICUL> ISSUES ( /ATE LAW4
,9 "S /ATES1 "PICUL> ATT5;N %D 2 PD TO
LAWS T LIMIT :O Y MAY "N Z AN ATTORNEY
6C]TA9 CLOSE RELATIVES4 ,9 O!R /ATES X
MAY 2 ADVISA# 6FILE ! P[] ( ATTORNEY (
RECORD1 Z ! EXAMPLE 2L ILLU/RATES4

    ,EXAMPLE
,D5NIS ,FRANK HAS ,P>K9SON'S 41SE4 ,Z 8
41SE HAS PROGRESS$1 HE HAS /AY$ 9 3TROL
( ALL 8 LEGAL & F9ANCIAL MATT]S1 B HE N[
RECOGNIZES T HE W NE$ HELP4 ,8 ONLY LIV+
FAMILY MEMB]S1 A SON & AUNT1 >E N APPRO-
PRIATE 6"N Z AG5TS4 ,8 AUNT IS Q ELD]LY1
& 8 SON1 6,D5NIS' 4APPO9T;T1 HAS N BE5 (
M* HELP4 ,D5NIS DECIDES 6"N ,JEFF ,GRE51
8 L;G"T ,,CPA1 Z AG5T4 ,9 ORD] 6PROTECT
,JEFF F A CLAIM 0,D5NIS' SON1       #AHG
,D5NIS HAS AN 9DEP5D5T ATTORNEY     A#HB
PREP>E & SUP]VISE ! SIGN+ (! P[] AT A "T
:5 ,JEFF ,GRE5 IS N 9 ! ATTORNEY'S (-
FICE4 ,^U 8 ATTORNEY'S RECOMM5D,N1 ,D5-
NIS HAS ! P[] ( ATTORNEY RECORD$ 9 ! LO-
CAL C.TY CL]K'S (FICE4 ,0MAK+ ! APPO9T;T
A MATT] ( PUBLIC RECORD1 ,D5NIS HAS MADE
X EASI] = ,JEFF 6HELP HM4 ,! MANN] 9 : !
P[] ( ATTORNEY 0 RECORD$ AL MAKES X CLE>
T ,D5NIS 0 AW>E (! GRANT (! P[] 6,JEFF1
& T ,JEFF 0 N 9 ANY MANN] HID+ ? APPO9T-
;T F ,D5NIS' 45FRAN*IS$ SON4

    ,REL,N%IP ( ,P[] ( ,ATTORNEY ,RELAT$
    6,O!R ,E/ATE ,PLANN+ ,DOCU;TS
.,REVOCA# .LIV+ .TRU/4 ,A REVOCA# LIV+
  TRU/ IS N A SUB/ITUTE =A DURA# P[] (
  ATTORNEY4 ,? IS 2C A REVOCA# LIV+ TRU/
  C ONLY PROVIDE 3TROL 6A TRU/EE OV] !
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  SETS T H N BE5 TRANSF]R$ 6YR LIV+
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  IMMLY T]M9ATES ON D1?1 X C N"E    #AHH
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  TRU/ >RANGE;T4
.,W4 ,S9CE A DURA# P[] ( ATTORNEY T]MI-
  NATES ON YR D1?1 X C N"E 2 3SID]$ A
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  A W &_/OR REVOCA# LIV+ TRU/ 7: 2COMES
  IRREVOCA# ON YR
-------------------------------------#HC
  D1?71 >E G5],Y ESS5TIAL S9CE BO? AD-
  DRESS ! 4POSI;N ( ASSETS AF D1?1 ":AS
  ! P[] ( ATTORNEY W N4 ,H["E1 _M P[]S
  GIVE ! AG5T BROAD 5 P[]S 6GIVE AWAY
  ALL ASSETS1 S ! P[] ( ATTORNEY 2G9S TO
  LOOK L A W SUB/ITUTE1 A SITU,N T RAIS-
  ES A RANGE ( 3C]NS & ISSUES4
..,LIV+ W_/H1L? C>E .PROXY4 ,A F9AN-
  CIAL_/LEGAL P[] ( ATTORNEY %D N 2 -B9$
  )A P[] ( ATTORNEY = H1L? C>E MATT]S 7A
  H1L? C>E PROXY74 ,_M /ATE LAWS1 9
  FACT1 PROHIBIT S* -B9,NS4 ,REG>D.S (
  /ATE LAW1 ! DECI.NS >E V DI6]5T & (T51
  ! P "ND Z AG5TS 9 "O DOCU;T >E DI6]5T
  F ^? "ND Z AG5TS 6! O!R4 ,EF=T %D 2
  MADE 6AVOID 5ABL+ YR H1L? C>E AG5T TO
  MAKE DECI.NS 3C]N+ YR H1L? T CD   #AHI
  AL A6ECT F9ANCIAL ISSUES OV] :    A#HC
  ! SAME AG5T HAS 3TROL4

             ,*APT] ,SUMM>Y
7777777777777777777777777777777777777777
,A P[] ( ATTORNEY1 OR S"EAL TYPES ( P[]S
( ATTORNEY1 CD 2 ! MO/ IMPORTANT DOCU;T
Y SIGN 65SURE T YR F9ANCIAL1 LEGAL1 TAX1
& C]TA9 O!R MATT]S >E PROP]LY A4RESS$4
,IF PROP]LY PLANN$1 P[]S C PROVIDE Y )!
MAXIMUM 3TROL OV] YR A6AIRS1 :ILE ASSUR+
SUPPORT & PROTEC;N :5 Y NE$ X4 ,^! >E
S]I\S DOCU;TS T C 9VOLVE YR GIV+ TREM5-
D\S AU?OR;Y 6! P]SON7S7 Y APPO9T Z YR
AG5T7S74 ,!Y %D N 2 TR1T$ Z 8/&>D0 B %D
2 C>E;LLY ?"\ \ & TAILOR$ 6YR NE$S4
GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG







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