10/19/2026
The best time to answer the question, “Who can act for me?” is before anyone actually needs the answer.
Most families know each other incredibly well. Your spouse probably knows what you would want. Your children probably know who you trust. Everyone may know who normally handles the bills, who should be called first, and who you would want making decisions.
But a hospital, bank, or financial institution is not asking who knows you best. They are asking who actually has the legal authority to act.
That difference can become very important after an accident, a hospitalization, a diagnosis, or a sudden loss of capacity.
And that is why the boring, uneventful days are often the best days to plan. You have time to make choices, name the right people, choose backups, ask questions, and change your mind.
You are still making the decisions instead of asking your family to figure them out during a crisis.
If your estate plan has been sitting on the “someday” list, this may be the reminder to move it up.
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