None of us likes to think about a day coming in which we cannot care for ourselves. However, such a day is very possible. Most of us imagine that it will come when we are quite advanced in age. Unfortunately, for some of us, that will not be the case. Accidents happen. Illness happens. Life happens. Presently, Covid is happening. I received heart-breaking call. A gentleman needed a notary—so he thought. His father had Covid and was in a coma. His father handled all of the family business and everything was in the father’s name. This gentleman and his mother were in quite a predicament. The gentleman was already distraught about his father’s condition. Nonetheless, I had to tell him a Power of Attorney was no longer an option. Once a person is incapacitated, a court has to appoint guardianship—a long involved process. I share this to encourage everyone regardless of age to have these difficult conversations with family. I also encourage everyone to explore appointing a Power of Attorney. There are three types: durable, nondurable and springing. All have their benefits and drawbacks. Talk to an attorney, but do not wait.