Getting Affairs in Order: A Thoughtful First Step

When it’s time to help a loved one manage their affairs, gathering key documents and account information is an essential step. This can feel overwhelming but approaching it with care and clear action can make all the difference.

Gaining Access with Respect and Support

Whether you or someone with durable power of attorney is taking the lead, begin by having a thoughtful conversation with your loved one. The goal is to ensure that you can protect and manage their financial and legal well-being.

Use these questions as a helpful guide:

• What is your computer login information?

• Do you handle banking, bill payments, or investments online? If so, could you share those passwords?

• Where can we find your federal and state tax returns from the past three years?

• Do you have a life insurance policy?

• Who is your financial advisor or investment manager?

• Are there any physical stock or bond certificates at home?

• If you own property, do you have a mortgage, home equity loan, or reverse mortgage?

• For any vehicles, boats, or land—where are the titles, deeds, and registration?

• Do you currently have any bank loans?

• Have you given or received any personal loans? From whom, and what amounts are involved?

• Is there any credit card debt we should be aware of?

• Are you making regular payments to anyone or any organization?

• At which banks or credit unions do you hold accounts?

• Are there any automatic payments—such as memberships, subscriptions, donations, or purchases—linked to your accounts?

• Have you previously banked or invested with any other institutions?

• Do you have a will, and where is it stored?

• Is there an attorney we can contact? Is that attorney holding your will or other legal documents?

• Are any of your assets held in a trust?

Approaching these conversations with empathy builds trust and clarity. You’re not just collecting information—you’re helping ensure their wishes are honored and their affairs are in good hands.