The best way to ensure that both your financial and emotional legacies are understood and appreciated is to memorialize them in writing. The ethical will becomes the missing piece of a comprehensive and meaningful estate plan. The focus of an ethical will is the distribution of emotional assts. Chapter details ways to write an ethical will.

We have a choice of when and how to plan. We can choose to plan proactively or reactively. Optimal time to start is when you are young and healthy. Studies show a direct correlation between the quality of life of those who are suffering from illness or incapacity and their level of planning. Creating a clear and comprehensive plan is a gift to your loved ones. Estate planning is too important to be considered a “do-it-yourself” project. Principal estate planning documents explained: 1. Last Will and Testament. 2. Trust. 3. Power of Attorney. 4. Health Care Proxy. 5. Living Will. Chapter give strategies on the best estate planning through the decades.

Successful retirement requires proper planning through the decades, starting in your 20s and continuing through your 70s. The key to saving enough for retirement is to invest as much as possible, as early as possible. The bottom line is this: you must create an investment strategy where you literally do not run out of money before you die. Future financial freedom is dependent on the exercise of current financial discipline. By creating realistic budgets, adequately funding savings and retirement accounts, following wise investment strategies, and reacting appropriately to economic and market conditions, you have the best chance to fund and enjoy a future that meets your needs and goals. Chapter describes important financial planning through the decades of life, 20s, 30s,40s, 50s, 60s, 70s,80s, 90s, and 100s.