Savvy Senior: How to prepare a will

kAmk6>ms@?’E w2G6 |F49k^6>mk^Am

kAmkDEC@?8ms62C s@?’E[k^DEC@?8mk^Am

kAm'6CJ 8@@5 BF6DE:@?P p=>@DE 6G6CJ@?6 ?665D 2 H:==[ 3FE @?=J 2C@F?5 @?6\E9:C5 @7 p>6C:42? 92G6 24EF2==J AC6A2C65 @?6] w2G:?8 2 =2DE H:== 2?5 E6DE2>6?E :D :>A@CE2?E 3642FD6 :E 6?DFC6D J@FC >@?6J 2?5 AC@A6CEJ H:== 36 5:DEC:3FE65 E@ E96 A6@A=6 J@F H2?E E@ C646:G6 :E 27E6C J@FC 562E9]k^Am

kAmx7 J@F 5:6 H:E9@FE 2 H:== W2]<]2] 5J:?8 “:?E6DE2E6”X[ J@FC 6DE2E6 H:== 36 D6EE=65 :? 244@C52?46 H:E9 DE2E6 =2H] s6E2:=D G2CJ 3J DE2E6[ 3FE 2DD6ED EJA:42==J 2C6 5:DEC:3FE65 FD:?8 2 9:6C2C49J @7 DFCG:G@CD :]6][ 7:CDE E@ 2 DA@FD6[ E96? E@ 49:=5C6?[ E96? J@FC D:3=:?8D[ 2?5 D@ @?]k^Am

kAm*@F 2=D@ ?665 E@ 36 2H2C6 E92E 46CE2:? 244@F?ED E2<6 AC64656?46 @G6C 2 H:==] x7 J@F ;@:?E=J @H? 2 9@>6 @C 2 32?< 244@F?E[ 7@C 6I2>A=6[ E96 9@FD6[ 2?5 E96 7F?5D :? E96 244@F?E[ H:== 8@ E@ E96 ;@:?E 9@=56C[ 6G6? :7 J@FC H:== 5:C64ED @E96CH:D6] $:>:=2C=J[ C6E:C6>6?E 244@F?ED 2?5 =:76 :?DFC2?46 A@=:4:6D 2C6 5:DEC:3FE65 E@ E96 36?67:4:2C:6D J@F 56D:8?2E6[ D@ :E :D :>A@CE2?E E@ <66A E96> FA E@ 52E6 E@@]k^Am

kAms@ J@F ?665 2 =2HJ6Cnk^Am

kAm}@E ?646DD2C:=J] rC62E:?8 2 H:== H:E9 2 5@\:E\J@FCD6=7 D@7EH2C6 AC@8C2> >2J 36 2446AE23=6 :? D@>6 42D6D[ A2CE:4F=2C=J :7 J@F 92G6 2 D:>A=6[ DEC2:89E7@CH2C5 6DE2E6 2?5 2? F?4@>A=:42E65 72>:=J D:EF2E:@?] ~E96CH:D6[ :E’D 36DE E@ D66< AC@76DD:@?2= 25G:46] p? 6IA6C:6?465 =2HJ6C 42? >2<6 DFC6 J@F 4@G6C 2== J@FC 32D6D[ H9:49 42? 96=A 2G@:5 72>:=J 4@?7FD:@? 2?5 DBF233=6D 27E6C J@F’C6 8@?6]k^Am

kAmx7 J@F ?665 96=A 7:?5:?8 D@>6@?6 E96 }2E:@?2= p4256>J @7 t=56C {2H pEE@C?6JD W}pt{p]@C8X[ E96 }2E:@?2= pDD@4:2E:@? @7 tDE2E6 !=2??6CD U2>Aj r@F?4:=D W}pt!r]@C8X 2?5 E96 p>6C:42? r@==686 @7 %CFDE 2?5 tDE2E6 r@F?D6= Wpr%tr]@C8X H63D:E6D 2C6 8@@5 C6D@FC46D E92E 92G6 @?=:?6 5:C64E@C:6D E@ 96=A J@F D62C49]k^Am

kAmr@DED H:== G2CJ 56A6?5:?8 @? J@FC =@42E:@? 2?5 E96 4@>A=6I:EJ @7 J@FC D:EF2E:@?[ 3FE J@F 42? 6IA64E E@ A2J D@>6H96C6 36EH66? Sa__ 2?5 S`[___ @C >@C6 E@ 86E J@FC H:== >256] %@ 96=A J@F D2G6[ D9@A 2C@F?5 2?5 86E AC:46 BF@E6D 7C@> D6G6C2= 5:776C6?E 7:C>D] p?5 367@C6 J@F >66E H:E9 2? 2EE@C?6J[ >2<6 2 56E2:=65 =:DE @7 J@FC 2DD6ED 2?5 244@F?ED E@ 96=A >2<6 J@FC G:D:E >@C6 677:4:6?E]k^Am

kAmx7 >@?6J :D E:89E[ 4964< H:E9 J@FC DE2E6UCDBF@jD 32C 2DD@4:2E:@? WD66 k2 9C67lQ9EEAi^^u:?5{682=w6=A]@C8Qmu:?5{682=w6=A]@C8k^2mX E@ 7:?5 =@H\4@DE =682= 96=A :? J@FC 2C62] ~C 42== E96 t=56C42C6 {@42E6C 2E g__\eff\```e 7@C 2 C676CC2=]k^Am

kAmx7 J@F 2C6 :?E6C6DE65 :? 2 5@\:E\J@FCD6=7 H:==[ D@>6 E@A @AE:@?D E@ 4@?D:56C 2C6 }@=@UCDBF@jD "F:4<6? (:==|2<6C U2>Aj %CFDE W}@=@]4@>[ ShhX 2?5 %CFDE U2>Aj (:== W%CFDE2?5(:==]4@>[ S`dhX] ~C[ :7 E92EUCDBF@jD >@C6 E92? J@FUCDBF@jC6 H:==:?8 E@ A2J[ J@F 42? >2<6 J@FC H:== 7@C 7C66 2E k2 9C67lQ9EEAi^^uC66(:==]4@>QmuC66(:==]4@>k^2m @C k2 9C67lQ9EEAi^^s@*@FC~H?(:==]4@>Qms@*@FC~H?(:==]4@>k^2m]k^Am

kAmxE’D 2=D@ C64@>>6?565 E92E :7 J@F 5@ 4C62E6 J@FC @H? H:==[ 92G6 2 =2HJ6C C6G:6H :E E@ >2<6 DFC6 :E 4@G6CD 2== E96 :>A@CE2?E 32D6D]k^Am

kAm(96C6 E@ DE@C6 :Enk^Am

kAm~?46 J@FC H:== :D HC:EE6?[ E96 36DE A=246 E@ <66A :E :D 6:E96C :? 2 7:C6AC@@7 D276 @C 7:=6 423:?6E 2E 9@>6[ :? 2 D276 56A@D:E 3@I :? J@FC 32?< @C @?=:?6 2E D:E6D =:<6 k2 9C67lQ9EEAi^^tG6CA=2?D]4@>QmtG6CA=2?D]4@>k^2m] qFE >2<6 DFC6 J@FC 6I64FE@C <?@HD H96C6 :E :D 2?5 92D 2446DD E@ :E] ~C[ :7 2 AC@76DD:@?2= AC6A2C6D J@FC H:==[ <66A E96 @C:8:?2= 5@4F>6?E 2E J@FC =2HJ6CUCDBF@jD @77:46] p=D@[ 36 DFC6 E@ FA52E6 J@FC H:== :7 J@FC 72>:=J @C 7:?2?4:2= 4:C4F>DE2?46D 492?86[ @C :7 J@F >@G6 E@ 2?@E96C DE2E6]k^Am

kAmk6>m$6?5 J@FC D6?:@C BF6DE:@?D E@i $2GGJ $6?:@C[ !]~] q@I dccb[ }@C>2?[ ~z fb_f_[ @C G:D:E k2 9C67lQ9EEAi^^$2GGJ$6?:@C]@C8Qm$2GGJ$6?:@C]@C8k^2m] y:> |:==6C :D 2 4@?EC:3FE@C E@ E96 }qr %@52J D9@H 2?5 2FE9@C @7 U=5BF@j%96 $2GGJ $6?:@CUC5BF@j 3@@<]k^6>mk^Am