5 Simple Steps to Start Your End-of-Life Plan Today

Traci Arieli
6 days ago
3 min read

Starting Your End-of-Life Plan

When my dad sat down with a yellow legal pad and his unmistakable chicken scratch to write passwords, account info, and utility details, I didn’t know whether to laugh or cry. He’s in his 80s, and while he and my mom had already done their will, they hadn’t documented the everyday stuff. These practical things become a massive headache when someone dies.

But that list? That simple stack of handwritten notes photocopied and mailed to us? It is a gift.

End-of-life planning isn’t just about legal forms; it’s about sparing your loved ones’ stress and confusion during one of the most challenging times in their lives. Whether you’re supporting aging parents or thinking ahead for yourself, here are five simple steps to get started today.

Step 1: Create or Review Your Will

A will doesn’t have to be complicated or expensive. Even a basic one helps your family avoid court headaches and uncertainty. You can work with an estate lawyer or use a reputable online service. The key is to ensure it’s legally valid in your state and that someone knows where to find it.

Tip: If you already have a will, review it every few years or after major life changes (like marriage, divorce, or a new grandchild).

Step 2: Complete Your Medical Directive

A medical directive (also called an advance directive or living will) lets your loved ones and healthcare team know your wishes if you’re unable to speak for yourself. This can include things like life support preferences, resuscitation (DNR), and who should make decisions for you (your healthcare proxy).

Start the conversation: One way to ease into it is by asking your loved ones, “If something happened to me, would you know what I’d want?”

Step 3: List Important Accounts and Passwords

Think bank accounts, insurance policies, utilities, phone plans, streaming services, and, yes - even Netflix. Create a master list of your digital life: what you use, how to access it, and who should take care of it if you’re gone.

Pro tip: Use a secure digital vault like Soalma or a password manager with legacy access. Or, if you’re more analog, a printed list in a safe place can work. Just make sure someone knows where it is.

Step 4: Choose a Storage System That Works for You

All your planning documents- will, directive, account info - should live in one easy-to-find place. The key is organization and access, whether that’s a binder in your closet or a secure digital platform.

Not just for you: Make sure at least one trusted person can access this info. Even better, walk them through it now, not later.

Step 5: Talk to Your Family - Early and Often

Talking with your loved ones might be the hardest step but also the most important. Don’t assume people will “just know” what you want. Clear, loving conversations can prevent conflict and confusion down the road.

Conversation starter: “This isn’t just about me - it’s about making things easier for you someday.”

Bonus: Leave a Legacy Message

Consider writing a letter, recording a video, or sharing a favorite story with loved ones. It doesn’t have to be dramatic, just something that brings comfort, laughter, or connection. These “emotional assets” often mean more than money ever could.

End-of-life planning might feel intimidating, but it’s truly one of the most loving things you can do. Start with one small step, maybe just jotting something down on a legal pad like my dad did. That simple act of preparation? It’s not just paperwork. It’s peace.