If you have ever served as an executor or assisted with settling an estate, you can appreciate the time commitment and emotional toll the process can take. Here at The Center, we recently updated the letter of last instruction and personal record keeping templates we provide to clients. Please be aware that certain jointly held assets, such as safe deposit boxes and joint checking or savings accounts, may be frozen as soon as the financial institution is notified that one of the joint owners has died.
The letter should include: Perhaps most importantly, this is also the place where you can clearly outline your burial wishes. If your file drawers are locked, where can they find the key or combination? Your funeral director will order as many death certificates as requested—but if more are needed, it's simple to request additional copies from your state's department of health. This is a vital step in the estate planning process: leaving a letter of instruction behind for your family. Preparing your financial information in your letter of last instruction might be the most time-consuming part of this process—so block off some time on your calendar and pour yourself a cup of tea (or coffee). At the end of the day, your goal should be to draft a document that will help your loved ones carry out your last wishes as easily as possible.
Settling the estate of a deceased loved one can be a stressful undertaking. Choose a form of safe keeping to ensure that the items will be readily available, and accessible, to your family. Hopefully, you will live a long, productive, and full life with little consideration for its end. In my own Letter of Last Instruction, I have notes sprinkled throughout telling my wife and kids what they have meant to me. 2: Funeral Planning. While not an official legal document of your estate plan, the Letter of Last Instruction may prove to be the most important document to your executor. Your estate planning documents are the key to effectively handling your estate after your passing. List of the names of various advisors, their addresses, and telephone numbers (lawyer, executor of the estate, life insurance agent, accountant, investment counselor). If you would like to learn more about letters of instruction, and other instruments in an estate plan, please visit our previous posts.
This may include the following: - how to handle your funeral arrangements. To simplify the process, focus on the peace of mind it will afford you and your surviving loved ones. For checking and savings accounts: Compile financial information for your checkings, savings, and any other financial accounts: For stocks, bonds, mutual funds, or other securities: Compile the following information: For business property: If you own a company or have a business arrangement, such as a partnership, corporation, or limited liability company, provide information on the property, location of titles, and any other relevant records. Provide deeds of plot ownership and specific instructions regarding flowers, pictures, or music. Include institutions and account numbers for: - Assets—Include your investments and bank accounts, home, second home or rental property, personal property such as vehicles, jewelry, antiques, silver, and collectibles. Get the free letter of last instruction template form. Having an up-to-date will is an excellent step in establishing an estate plan. The letter should give the contact information for the people to be notified in the event of a family emergency, and should also tell the location of all important papers... and passwords! The content of any letter of instructions will vary according to each individual's unique needs. Mark your calendar today to update your letter again in a year. What type of funeral would you like? Make sure to include instructions for any objects that don't have a recipient or if anything specific should be donated to charity.
Generally, anything you would include in a will you should leave out of your end-of-life instructions, including information regarding how to distribute your assets. If you only write a letter of instruction but If you die without a will, or it gets lost, your assets will still be distributed according to state intestacy laws. Contact a local wills attorney, who can help ensure that your estate documents clearly and effectively communicate your wishes when you are gone. With that said, it's important to note that because this letter does not hold legal authority, it only acts as a guide, and your executor is not legally bound to follow it. What's in the letter? It is particularly helpful to your loved ones if you include a section in your letter of instruction detailing information about important contacts. You can either refer your family to a separate sheet, give this role to another family member, or state what you'll give back that you borrowed to each family member. A letter of instruction, also known as a letter of intent, is an estate planning document that provides a variety of information. Once completed, copies of your letter should be given to your attorney, executor and spouse, and another should be kept in your safe or safe deposit box. If you have not shared your burial and funeral wishes, will your family members argue over what they think you want? Contact information for family members discussed in this document and will. Keeping that information updated in a letter of instruction is a much more efficient and cost-effective option.
Finally, we recommend that you update your letter of last instruction annually. However, it is important to ensure this document does not contradict any provisions set forth in your will to minimize confusion. Finally, while a letter of instruction is not required, it can be a big help to your executor and loved ones. Beneficiaries: Beneficiaries contact information: Pension: Profit-sharing plans: IRAs: D. My safe deposit box is located at. But you don't need to have a complicated estate to benefit from one. This allows the letter to act as a final message to loved ones, providing guidance and support. Which family members, friends, clergy, organizations, or business associates would you like personally contacted? If your representative or loved ones cannot locate your documents, this can make the probate process much more complicated and lengthy. We all know things can change in life. Why You May Need It. If you have pets, make sure they will be taken care of upon your death. I create customized solutions for families to address their planning needs.
We can also help facilitate a family meeting. In addition to providing the information suggested below, it would be a good idea to photocopy all the relevant documents and state where the originals are held. As with any other estate-planning document, it should be updated at least annually and kept in a safe place where it is accessible by your relatives or executor. Still, it's worth drawing up, because it will help your family settle your affairs in the weeks and months after your death. Your loved ones may need to special instructions about your home or car. Even if you have many of the documents needed to legally convey for your end-of-life wishes, it sometimes pays to have some additional help. What is typically covered in a letter of instruction? In regards to funeral service/memorial/mass (if applicable). It frees loved ones to mourn and provides a small piece of comfort during a challenging time. Having a letter of last instruction also serves as a great way to ensure that your final wishes are honored. However, it can provide an easy-to-understand explanation of your overall estate plan to your executor and lay out your wishes to your family for things not covered by the will. 6: Personal Belongings. Have you prepaid any of your final arrangements?
It's up to you, but the more detailed it is, the better. List of pension systems that may provide death benefits; e. g, Social Security, Veterans Affairs, railroad retirement. C. In regards to dividing my tangible assets or collectibles. I owe $ ( amount) in mortgage payments, $ ( amount) in credit card or loan charges, and $ ( amount) (for other financial obligations). What not to put in a letter of instruction. Any opinions are those of Deborah Hickey, Financial Planner, Carter Financial Management, and not necessarily those of Raymond James. She asked, "Where do I start? Contact information for debtors (if applicable): Type of debt: Location of debt: Mortgage: (Credit card)/loan: Other: 3. Another option is the creation of a "portfolio, " which summarizes all the documents you have created by name and category. If you use cloud file storage online, which service do you use, and how do you get in? Complete List of Your Debts. The following details should be included or addressed in a letter of instruction: - Personal Contacts: Include the names and contact information for specific people and organizations that should be notified at the time of death. Memorial Service and Funeral Plans: Provide detailed information regarding your desires for final arrangements, including any type of ceremony you wish to be held and what you want to be done with your body.
The purpose of a letter of instruction is mostly to provide details on final wishes that may not have been explained thoroughly (or at all) in a person's will. Make this something you add to and update regularly. As your loved one prepares a letter of last instructions, he or she should consider including the following items. Also include the names and contact information for your insurance agent, financial advisor, lawyer, doctors and any other professionals you regularly deal with.
If possible, avoid placing physical documents in an area that would be difficult to access. These instructions may also be helpful in the event you become incapacitated. You should also be able to easily update and save information as needed. For example, your letter of instruction could outline who should get items that aren't necessarily valuable but might be sentimental. Here are some basic items to include when putting together your own Letter of Last Instruction: Death Notification.
As you discuss funeral plans with your loved one, he or she might want to prepare a letter of last instructions—a document that outlines funeral arrangements and other important matters.
Also, any subscriptions, how they are paid and if they should be discontinued. Location of membership certificates to any lodges or fraternal organizations that provide death or cemetery benefits. This should be looked into. Any information is not a complete summary or statement of all available data necessary and does not constitute a recommendation. Contact us today to request a meeting with one of our estate planning attorneys.
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