We plan for vacations. We plan for retirement. We even plan our grocery lists. But when it comes to planning for the unexpected, too many families find themselves unprepared—and overwhelmed.

At McIntosh & Associates, we’ve seen firsthand how documenting your healthcare and financial wishes can potentially ease stress, avoid conflict, and bring clarity in times of uncertainty. These aren’t just legal forms. They are acts of love—and essential parts of your legacy.

Why Documenting Your Wishes Matters

Life can change in an instant. An accident, illness, or sudden incapacity could leave you unable to make your own medical or financial decisions. Without documented instructions, your loved ones are left to guess—and possibly disagree—about what you would want.

Having the right documents in place offers:

• Clarity when emotions run high
• Control over the type of care you receive
• Confidence for your family
• Preservation from costly delays or legal intervention
  
  

What Is a Healthcare Directive?

A healthcare directive, sometimes called a living will, outlines your medical care preferences in case you are unable to communicate them yourself. It answers questions like:

• Do you want life-sustaining treatments, such as ventilators or feeding tubes?
• What level of intervention aligns with your values and beliefs?
• What kind of pain management do you prefer?

These decisions are deeply personal. By documenting them in advance, you ensure your voice is heard—even if you can’t speak.

Understanding Powers of Attorney

A power of attorney (POA) gives someone you trust the legal authority to act on your behalf. There are two primary types:

1. Medical Power of Attorney
• Also known as a healthcare proxy or patient advocate
• This person makes healthcare decisions aligned with your wishes if you’re unable to
• Activates when you become incapacitated

2. Financial Power of Attorney
• Allows a designated person to handle financial matters such as bills, bank accounts, taxes, and investments
• Can be immediate or spring into effect if you’re unable to manage your affairs

Choosing your POAs wisely is critical. Consider someone who understands your values, can stay calm under pressure, and is willing to carry out your wishes—even when it’s hard.

The Emotional and Financial Impact of Avoiding This Step

When directives and powers of attorney are missing or incomplete, the fallout can be serious:

• Family conflict: Without clear instructions, loved ones may argue over decisions
• Delayed care: Medical teams may hesitate without authorized decision-makers
• Court involvement: A judge may need to appoint a guardian or conservator
• Financial strain: Bills and accounts may go unpaid if no one has legal access

These situations are not only stressful—they’re avoidable with the right planning.

Start the Conversation Now—So Your Family Isn’t Left Guessing Later

Whether you already have documents in place or are just beginning the conversation, we’re here to help you navigate each step with clarity and care.

Call (989) 692-2200
Schedule a complimentary visit to review or set up your healthcare directive and powers of attorney as part of your complete retirement and legacy plan.

Let’s make sure the people you trust are prepared to carry out your wishes—because financial confidence is one of the most important gifts you can give.

Insurance products are offered through the insurance business McIntosh & Associates Inc. McIntosh & Associates Financial LLC is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by McIntosh & Associates Inc are not subject to Investment Adviser requirements. AEWM and McIntosh & Associates Inc are not affiliated companies. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. McIntosh and Associates Financial LLC is not affiliated with the U.S. government or any governmental agency. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 3131214 – 06/25