Many people avoid talking about estate planning because they do not want to talk about death. However, it is important to understand that estate planning isn’t just about death; it is a plan to handle your personal and medical affairs when you are alive but unable to act. A comprehensive and well thought out estate plan not only takes care of what happens when (not if) you die, but also tackles the issue of handling your lifetime affairs when you are unable to do so. A financial power of attorney coupled together with medical directives is an effective way to resolve these issues. These documents are also the best way to avoid a court ordered guardianship. Failure to plan for old age and incapacity hurts not only you but your family and loved ones.