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[Music] This is what everyone needs. So first thing and in my opinion it is the most important type of document that an Estate Plan must cover and should have in it and that is your Powers of Attorney. Why is that? When youre alive these documents are in effect unlike a Will that only comes into effect when you die. So when you are alive youre thinking well I dont need any Estate Planning documents, Im alive. Well if youre alive and fine, youre probably right, but part of what we do with Estate Planning is trying to make sure that weve thought through the what-ifs. What if something happens to me? What if something happens to your spouse? What if something happens to somebody you care about? Who is going to be able to speak for them and make decisions and when I say what happens to the person, I mean it could be a car accident, it could be a stroke, you know, it could be maybe an older family member that has dementia. Things happen to people during
