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Prepare a Letter of Instructions

What is a Letter of Instructions?

Whether you are starting from scratch or have an estate plan in place, a letter of instructions or a letter of intent ("LOI") is an important part of any comprehensive plan. A letter of instruction can help your loved ones manage important information about you. An LOI conveys your desires, includes practical information about where to find various items referenced in your plan, and can provide advice to help those you designate to manage your affairs.

Even with a new or updated estate plan, there exists much information that your heirs need to know that does not necessarily fit into the format of a will, trust, or other estate plan components. Without this information, it is easy for those in charge to miss important items and alternatively become overwhelmed, sifting through all of the documents you left behind. All LOIs are as different as the persons who wrote them; however, there are some standard data that every LOI should include:

  • A current list of people and their contact information to inform of your death

  • Funeral/memorial and burial/cremation arrangements

  • A list of beneficiaries of your estate plan

  • The locations of important documents like your will, trust, financial statements, insurance policies, deeds, and birth certificate

  • A comprehensive list of assets such as bank accounts, investment accounts, real estate holdings, insurance policies, and military benefits, if applicable

  • PINs, usernames, and passwords for debit cards and online accounts

  • Usernames and passwords for social media accounts, music, or information accounts

  • Keys and combinations to digital safes, strong boxes, and safety deposit boxes and their locations

  • A list of credit card accounts and any other debts

  • A list of organizations in which you belong or are a paying member, such as professional organizations, boards, country or golf clubs, social or political clubs, fraternities/sororities, and more

  • A current list of contact information for lawyers, brokers, tax preparers, financial planners, insurance agents, and spiritual advisors

  • Instructions for the distribution of personal items with sentimental value

  • Instructions for a memorial or funeral service

  • A personal message to family members

A note about your digital footprint: your digital world often includes music libraries, storefronts, YouTube channels, influencer social media accounts, etc. When most of us create these accounts, we blithely accepted the End User License Agreement ("EULA") without much thought about when we are no longer around to manage its content and activity. A EULA designates the rights and restrictions that apply when using the software known as terms of service ("TOS"). Naming someone capable of managing your digital assets and their activity is important. Most of your online accounts are not subject to typical estate planning devices like trusts and wills because they are not technically your property. Since most TOS are non-transferable, you cannot legally transfer your online accounts' ownership. However, you can still make a plan for how they are handled when you die.

Once you write your letter, put it somewhere easily accessible and tell your family about it. We advise our clients to keep their letters in the portfolio we provide them for their estate plans and other important papers. We also provide a template to complete the letter of instructions. If you do not want anyone to read the LOI until your death, seal it in an envelope. You should review your letter once a year to be sure it reflects your most current wishes and information. It can be difficult for you to write and be satisfied because you know that your heirs will read your letter of instructions upon your death. After all, final words and conveyances are sobering.

We can help you compose such a letter (as well as other estate planning documents), ensuring that it complements and does not contradict your estate plan. Remember, your LOI can bring real peace and be a source of comfort to your grieving family members. It allows them time to contemplate and connect with others to celebrate you rather than sort through documents searching for important papers. Your LOI can also alleviate potential family conflicts and stress because you specifically address personal items' distribution. Your goal should be to ease the burden for those in charge and gain a sense of peace that you have done all you can to allow your loved ones to focus on reflecting on your life.

Schedule a complimentary Estate Planning Discovery Session with us when you are ready to take the next step. We will be here to help you "protect who and what you love, including yourself."

"Live with Your Bags Packed!"®


The information in this blog is for educational purposes only and should not be considered legal advice.


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