While not an easy topic to tackle, ultimately end of life planning is about love. Who do you love and what do you want to happen when you’re gone?

We approach this in three parts: One, getting organized. This not only applies to your money, but to your life values. You need to have estate documents like a will, trusts, do not resuscitate orders and cash flow projections to see what you can spend (including health care costs). But you also should think about organizing your life so you can share your values, your stories, your pictures and your heritage.

Second, you need a plan. That may include a continuing care retirement community, long-term care insurance, home health care or hospice. You will also need to think about how you want people to remember you and what you want your survivors to know about your final wishes. We can also pull in resources like geriatric care managers to help when appropriate.

Finally, you should consider your survivors. Can you simplify your investments so they can process your estate more easily? Will they know where to find your important documents or who to contact? Will your survivors know how to keep cash flow coming so they can continue to pay bills? We’ve helped families after the loss of a loved one and know the types of things you may overlook when doing your planning.