Start the Year with a Plan That Reflects Your Life
The new year is a natural time to reset, revisit your priorities, and make sure everything in your life is in order. For many Connecticut families, that includes reviewing their estate plan or finally creating one.
At Harper Law, we work with individuals and families to build thoughtful, flexible plans that grow with them. Whether you have an existing plan or are just getting started, this is a good time to make sure your documents still reflect your current needs and long-term goals.
Why It Matters
Life changes. Families grow, finances shift, and relationships evolve. If your estate plan is outdated or incomplete, it may not provide the protection you intended. We recommend reviewing your plan every three to five years or after major life events such as:
· Marriage or divorce
· The birth or adoption of a child or grandchild
· A significant change in income or assets
· The death or incapacity of a named decision-maker
When you review your estate plan, you ensure that your loved ones are protected, your wishes are honored, and your future is handled with clarity and care.
Five Key Documents to Review
Every estate plan is different, but there are a few core documents that most families should have in place. Here is what to look at as you begin the new year:
1. Durable Power of Attorney
This document gives someone you trust the ability to manage your finances and legal matters if you become unable to do so. If your agent has changed, or if the document is outdated, it is time for an update. Be sure to name an alternate in case your primary agent is unavailable.
2. Healthcare Representative Appointment
In Connecticut, this document allows you to name someone who can make medical decisions on your behalf if you cannot speak for yourself. You may also want to include a living will that outlines your preferences for care. These choices should reflect your current values and the people you trust most.
3. HIPAA Authorization
This document allows your healthcare providers to share your medical information with those you name. Without it, even a close family member may not be able to access the information needed to help make important medical decisions.
4. Last Will and Testament
Your will outlines how your assets will be distributed, who will handle your estate, and who will care for minor children. It may also include charitable gifts or other personal provisions. If any of these details have changed, now is the time to review and revise.
5. Revocable Living Trust
If you have a trust, review it to make sure it still matches your goals. If you do not have one, consider whether it may be helpful. A revocable living trust allows you to avoid probate, manage assets during your lifetime, and provide clear instructions for distribution after your passing. It is especially useful if you own property, have blended family dynamics, or want to create a more private and efficient plan.
Why Now Is the Right Time
A plan that worked five or ten years ago may no longer make sense. Changes in the law, family structure, or financial standing can leave your documents outdated. Reviewing them now allows you to make adjustments before problems arise.
Estate planning is not just about what happens after you pass. It is about making sure someone can speak for you, manage your affairs, and honor your values during life as well.
Let Harper Law Help You Start the Year with Confidence
Whether you need to review an existing estate plan or create one from scratch, Harper Law is here to guide you. We work with families across Connecticut to build plans that are clear, current, and tailored to their lives.
Visit us in Milford
Call us at (203) 883 1656
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At Harper Law, we provide trusted estate planning with the personal touch of a hometown practice. Let us help you start the year with clarity and peace of mind.
Disclaimer: This blog is for informational purposes only and does not constitute legal advice. Please consult an attorney for specific legal guidance.