How to Protect Your Family with a Power of Attorney and Health Care Proxy

Estate planning isn't just about what happens after you die — it’s also about protecting you during your lifetime. Two of the most important tools in any estate plan are the Power of Attorney and the Health Care Proxy.

A Power of Attorney allows someone you trust to manage your financial and legal affairs if you become incapacitated. Without it, your family may need to go to court to obtain guardianship just to pay your bills or handle your property — a costly and time-consuming process.

A Health Care Proxy lets you appoint someone to make medical decisions on your behalf if you’re unable to communicate. It ensures your wishes are respected during a medical crisis and gives your loved ones clarity and authority during a difficult time.

Every adult — regardless of age or wealth — should have these documents in place. They’re simple to create but offer significant protection. Planning ahead ensures that your affairs are managed by someone you trust, and your family avoids unnecessary legal complications.