What to Include in Your End-of-Life Plan
Planning for the end of your life may not feel like the most exciting to-do list item, but it’s one of the greatest gifts you can give to yourself and your loved ones. An end-of-life plan isn’t just about logistics—it’s about ensuring your wishes are honored, easing the burden on your family, and leaving a legacy of thoughtfulness and care.
Not sure where to start? Here are a few tips on what to include in your end-of-life plan to make it as comprehensive—and personal—as possible. And if you want more help, I have workbooks that are a great guide to starting these plans!
1. Advance Directives
If you talk to me for more than 5 minutes you know I’ll ask you if you have your advanced directives done yet. This is my hill to die on. Advance directives are legal documents that outline your healthcare preferences in case you’re unable to communicate them yourself. The two most important ones are:
Living Will: Details your wishes regarding medical treatments like resuscitation, life support, or feeding tubes etc.
Healthcare Power of Attorney: Appoints someone you trust to make medical decisions on your behalf.
Having these in place ensures that your values guide your care and prevents loved ones from having to make difficult decisions without guidance. Bonus tip: please pick someone you TRUST as your MPOA. Ensure they can make these decisions when emotions are high.
2. Last Will and Testament
Your will is the cornerstone of your end-of-life plan. It dictates how your assets—such as property, savings, and personal belongings—will be distributed. Be sure to:
Designate beneficiaries for specific items or accounts.
Name a trusted executor to carry out your wishes.
Update it periodically as circumstances change.
I always advise hiring an attorney for this. Even if you have no money or even lots of debt, GET THINGS IN WRITING. Attorneys can help your loved ones avoid the nastiness that is probate.
3. Funeral or Memorial Preferences
Deciding how you’d like to be remembered can bring comfort to your loved ones and ensure your final farewell aligns with your values. Consider specifying:
Whether you’d prefer a burial, cremation, or alternative option.
The type of service you’d like (traditional, celebration of life, private gathering).
Any special requests, such as readings, music, or charitable donations in lieu of flowers.
Writing these details down spares your family the guesswork during an emotionally charged time.
4. Financial and Legal Information
Simplify things for your loved ones by organizing your financial and legal information in one place. Include:
Account details for bank accounts, retirement funds, insurance policies, and loans.
Contact information for your attorney, financial advisor, and accountant.
A list of passwords for digital accounts (or instructions for accessing them).
Keeping this information updated and secure is key. A trusted person should know where to find it when needed.
5. Personal Letters and Legacy Documents
Adding a personal touch to your plan can be incredibly meaningful. I just poted recently about Ethical Wills! Some things to consider:
Writing letters to loved ones expressing your love, gratitude, or memories.
Creating an ethical will or legacy letter to pass down life lessons and values.
Documenting family history, favorite recipes, or traditions to keep your legacy alive.
Photo albums!
6. Organ Donation Preferences
If you wish to be an organ donor, make sure to include this in your plan and register with your local donor registry. Discuss your decision with your loved ones so they’re aware of your wishes. Most states have this right on your driver's license.
7. Emergency Contact Information
Provide a list of people to notify in the event of your passing. Include their names, phone numbers, and email addresses. Having this prepared saves time and ensures that everyone who should know is informed promptly.
8. A Plan for Your Pets
Don’t forget your furry (or feathered or scaled) family members! Designate someone to care for your pets, and include details about their needs, such as diet, medical history, and routines. Make sure they are comfortable with this and up to the task!
9. Keep It Accessible and Updated
Once you’ve completed your end-of-life plan, store it in a safe but accessible location. Share its whereabouts with trusted individuals, such as your power of attorney or family members. Review and update it periodically to ensure it remains accurate and reflects your current wishes.
I keep mine in a file in the cloud that is accessible by certain people in my life. This way I can make updates at any time.
Peace of Mind for You and Your Loved Ones
Creating an end-of-life plan isn’t about focusing on the end—it’s about shaping the story you want to leave behind. By preparing now, you ensure your voice is heard, your values are honored, and your loved ones are supported. It’s a plan filled with love, care, and the ultimate gift of peace of mind.
