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American actor Lee Marvin once said, “As soon as people see my face on a movie screen, they knew two things: first, I'm not going to get the girl, and second, I'll get a cheap funeral before the picture is over.”
Most people don’t spend too much time thinking about their own funeral, and yet many of us have a vision about our memorial service or the handling of our remains. A letter of instruction can help you accomplish that goal.
A letter of instruction is not a legal document; it’s a letter written by you that provides additional and more personal information regarding your estate. It can be addressed to whomever you choose, but typically, a letter of instruction is directed to the executor, family members, or beneficiaries.1
Make a Cheat Sheet
Think of a letter of instruction as a “cheat sheet” to your estate. Here are a few ideas and concepts that may be included:
Identify Funeral Wishes
A letter of instruction is also a good place to leave burial or cremation wishes. You should consider giving the location of your cemetery plot deed, if you have one. You may even wish to specify which hymns or speakers you would like included in your memorial service. Although a letter of instruction is not legally binding, your heirs will probably be glad to know how you would like to be remembered. It also may be helpful to leave a list of contact information for people who should be notified in the event of your death.
There is no “best way” to write a letter of instruction. It can be written in your style and reflect your personality, or it can be written to simply convey information. You should decide what type of letter best fits your estate strategy.
1. Investopedia.com, 2021
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Copyright 2022 FMG Suite.
Editor’s Note: This article was submitted by Anthony Cisneros, CRPC®, AWMA® CRPS®.
Anthony Cisneros is a Wealth Advisor and President of RTI Wealth Management, and may be reached at 970-236-8800 or by email at acisneros@rtiwm.com
Securities and investment products and services offered through LPL Financial, member FINRA/SIPC. RTI Wealth Management is a separate entity from LPL Financial.
When the vibrant colors of autumn transition into the crispness of late fall, many people enjoy the change of scenery and cooler weather. However, this seasonal shift also brings about a common concern: dry skin. For seniors, maintaining healthy skin during this time can be particularly challenging. Dry skin can lead to itching, cracking, and discomfort, making it essential to take proactive steps to protect and nourish the skin during these colder months.The Causes of Dry Skin in Late FallThe combination of cold winds and dropping temperatures outside can strip your skin of its natural moisture. When you add indoor heating to the mix, it can create a perfect storm for dry skin. Furnaces and heaters, while keeping your home warm, also reduce the humidity in the air, leading to drier skin. Seniors are susceptible to these conditions, as aging skin is already less capable of retaining moisture. Understanding these factors can help you better prepare and counteract their effects.Tips for Keeping Skin MoisturizedTaking a few simple steps can make a big difference in keeping your skin moisturized and healthy throughout late fall.Use of MoisturizersChoosing the right moisturizer helps seniors. Look for products labeled as "fragrance-free" and "hypoallergenic" to minimize the risk of irritation. Creams and ointments, rather than lotions, are generally more effective for dry skin because they contain more oil and less water. Apply moisturizer immediately after bathing, when the skin is still damp, to lock in moisture. Regular application, perhaps twice a day, can help maintain a healthy barrier against the elements.Staying HydratedDrinking enough water is one of the simplest ways to keep your skin hydrated from the inside out. Aim for at least 8 glasses of water a day. Incorporate hydrating foods into your diet, such as cucumbers, oranges, and watermelon, which have high water content. Herbal teas and broths can also contribute to your hydration goals while offering warmth during chilly days.Protective ClothingWearing the right clothing is another layer of defense against dry skin. Jackets, coats, and gloves help shield your skin from cold winds and frigid temperatures. Consider layering your clothing as well; it allows you to stay warm and maintain a comfortable temperature without overheating, which can also dry out your skin.Additional Skin Care PracticesBeyond basic moisturizing and hydration, there are several other practices that can enhance skin health during late fall. Implement a gentle skin cleansing routine. Use a mild, fragrance-free soap, and avoid hot water, which can strip the skin of natural oils. opt for lukewarm water instead to cleanse without over-drying.Be Proactive with Senior Skin Health and MoreCaring for your skin during the late fall is an aspect of overall health, particularly for seniors. By understanding the causes of dry skin and implementing these tips, you can enjoy healthier, more comfortable skin as the seasons change. If you're in Fort Collins, Loveland, Greeley, or Longmont, and need assistance with senior care services, contact Senior Helpers Greeley. Our team is dedicated to providing personalized care that helps seniors lead a vibrant, healthy life. Don't let the changes of the seasons prevent you from feeling your best; take charge of your skin health today.
Protecting Your Loved Ones Independence and Well-Being at HomeHelping a family member remain independent and living at home is a labor of love, but at times it can be overwhelming. There is so much to consider beyond just their overall health and well-being. Depending on the situation, a loved one may need immediate or future help coordinating medical care or managing finances. Having the proper Power of Attorney credentials established can help caregivers navigate the complexities of the system and avoid costly or time-consuming pitfalls during their loved ones aging journey.Here is a basic overview of two of the most common Power of Attorney documents:Financial Power of Attorney (Durable)With a Financial Power of Attorney (POA), a person known as the principal appoints an agent to carry out financial and other activities, as instructed by the principal. Often the person designated is a family member but note that it may be advisable to name a primary agent and an alternate agent. Principals may choose whether the POA becomes effective immediately or only in the event of illness/disability. Ideally, the POA document should have language indicating that it is durable (remains in effect even after the person is legally incapacitated). In Pennsylvania, the Financial POA must be notarized and witnessed. The law also stipulates that a POA must exercise the powers for the benefit of the principal, keep the assets of the principal separate from their own, and exercise reasonable caution and prudence. Financial Power of Attorney ceases after the principal passes away.Medical Power of AttorneyPennsylvania recognizes two types of advanced directives for healthcare decisions: Medical Power of Attorney and Living Wills. The Medical Power of Attorney, also known as a Healthcare POA or healthcare proxy, is broader in scope than a Living Will in that it empowers the caregiver to make all medical decisions if their loved one is unconscious, incapacitated, or mentally incompetent. The appointed person will be able to access medical records, speak to healthcare professionals, and make healthcare judgments and medical decisions based on their loved ones treatment (or non-treatment) preferences. A Medical POA is a crucial component of advance care planning, allowing your loved one to ensure that their healthcare preferences are honored. The document must have two witnesses and be notarized.Information and downloadable Power of Attorney pdf documents are available online. During the application process to Senior LIFE, a Senior LIFE outreach coordinator can also help you get started with the POA process. Contact us today.
Black Friday marks the unofficial start of the holiday shopping season, offering substantial discounts and deals for shoppers across the country. For seniors and their caretakers, navigating this busy day can seem overwhelming. However, with the right preparation and strategy, it can be both a rewarding and enjoyable experience. Preparing for Black FridayThe key to making the most of Black Friday is preparation. Start by researching deals in advance. Many stores release their flyers, advertisements, and exclusive offers through their websites and apps. Make use of these resources to compare prices and ensure the discounts are genuine. This homework ensures you're not getting swept up by the hype of a sale that isn't what it seems.Next, create a comprehensive shopping list. Decide which items are essential and which are simply nice-to-haves. By distinguishing between needs and wants, you'll stay focused on your priorities and avoid being tempted by unnecessary purchases. A clear list will also help you manage your time efficiently when shopping.In-Store Shopping TipsFor those heading out to the stores, timing is critical. Avoid peak hours by opting to shop early in the morning or later in the evening when fewer people are out. This not only reduces stress but also helps you access the best deals with minimal competition.Safety is always a top priority. Be mindful of your surroundings and keep your personal belongings secure at all times. A small crossbody bag can be useful for minimizing the chance of losing items. You should also plan your route through the store. Familiarize yourself with the store layout by looking at maps or using store apps to find exactly where you need to go. This helps you avoid unnecessary wandering and confusion.Online Shopping StrategiesIf crowds aren't your thing, online shopping offers a comfortable alternative. You'll avoid long lines and have the opportunity to access special online deals that aren't available in stores. It's a great way to save time and energy.Ensure your online transactions are safe by using secure payment methods such as credit cards or trusted payment services like PayPal. Be on the lookout for scams; if a deal seems too good to be true, it probably is. Stick to reputable websites and be cautious with personal information.Budgeting and Financial TipsBudgeting ahead of time can save you from financial stress during the holiday season. Set a realistic budget for each item on your list and do your best to stick to it. This will help you avoid impulsive buys that can quickly add up and increase your spending unnecessarily.Track your spending as you go along. Apps or simple paper lists can help you monitor your purchases and ensure you're staying within your allotted budget. By reviewing your acquisitions regularly, you can adjust your spending plan as needed and keep everything under control.Add Senior Care to Your Shopping ListWith a bit of planning and organization, Black Friday shopping can be a productive and even enjoyable experience for seniors and their caretakers. Remember the key points: research and prepare, shop during less crowded times in-store, enjoy the convenience and safety of online shopping, and maintain a clear budget to avoid overspending. Most importantly, take time to enjoy the holiday season and treat yourself with care.If you need more personalized assistance or support at home, don't hesitate to reach out to Senior Helpers Fort Collins. Our team is here to assist seniors in Fort Collins, Englewood, Littleton, Lone Tree, and Longmont. Embrace the holiday spirit wisely and make the most of this Black Friday! Questions, please call us at 970-344-9931.
Our mission is to grow, educate and prepare our clients for the complexity that life can bring through consultation and education to arrive at individual solutions that fit you and your family.This is accomplished by taking a proactive approach at understanding the lives that each of our clients have. We then become that advocate that can help to coordinate and facilitate communication with tax, legal, and insurance professionals as well as other trusted advisors and often even family members.It is not about the value of your things, but what you value. It is everything that makes you, you. Your stories, the challenges you have overcome, the successes you have experienced, as well as what is important to you. You will have a dedicated advisor surrounded by a team with more than 40 years of combined experience in the industry to walk side by side with you on your journey.