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when were talking about estate planning and were talking about the big four questions the first one is who do you trust to make financial decisions for you now what I mean by that its not about whos going to do investments for you whos going to handle taxes its about people you trust to make good spending decisions thats what it really boils down to so I really I describe this to my clients as if you become incapacitated whos handling the checkbook paying your bills moving money around talking with the CPA the financial advisor and the attorney to make everything run smoothly until you get back on your feet or if you do pass on whos the person that you have in charge of making sure that everybody gets what theyre supposed to get now the criteria that I describe is first and foremost it should be a person that you trust you trust that person you trust their judgment they dont have to be an accountant they dont have to be an attorney they dont have to be a financial adviser