Tax laws and legal issues are complex. In many cases, a will isn't enough to safeguard your final wishes, which may include ++ medical instructions for a terminal illness.
Here are three suggestions by Richard Stevens, director of personal financial services at Price Water house in Philadelphia:
* Establish a trust fund for your life insurance proceeds to avoid paying unnecessary estate taxes.
* Assign a power of attorney to someone you trust to manage your affairs or to appoint a manager in case you become disabled.
OC * Establish a living will with instructions for emergency care.