Roughly, how much is in your name now?
Home equity, retirement accounts, investments, business interests, and policies. A range is fine. This is only used to estimate your Family Loss Number™.
Do you have a living trust — and is it actually funded?
"Funded" means your home, accounts, and key assets have been retitled into the trust's name. An unfunded trust is just paper.
When were your estate documents last reviewed — and are your power of attorney and healthcare directive in place?
Will, trust, durable power of attorney, healthcare proxy. Most plans were drafted for a version of your life that has ended.
Have you verified your beneficiary designations since you became the one in charge?
401(k)s, Individual Retirement Accounts, life insurance, annuities. These override your will and your trust.
What is your situation with Required Minimum Distributions?
These required withdrawals pull money out of your retirement accounts on the government's schedule, not yours, and they shift your whole tax picture.
How much of your savings is in pre-tax accounts — and do your advisor and accountant coordinate on it?
Traditional retirement accounts like a 401(k) or 403(b). The IRS gets a cut of every dollar that comes out.
Could you explain, in your own words, why your money is invested the way it is?
Not the jargon — the reason. And has cash been sitting idle since the transition?
Has anyone stress-tested your income to last to age 95 or beyond?
Most plans quietly assume life ends at 85. Your mother and grandmother may have had other ideas.
If long-term care were needed — five years at roughly $120K a year — what happens?
And is your protection coordinated with the estate plan, or bought in isolation?
Do your attorney, accountant, and financial advisor actually talk to each other?
And if something happened tomorrow, could you find everything that matters within 24 hours?
Gregory DuPont · Attorney & Certified Financial Planner
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Download the PDF ↓This is an educational tool, not legal, tax, or financial advice, and creates no attorney-client relationship. The Family Loss Number™ is an estimate based on national probate averages and your inputs, not a guarantee. See the full disclaimer.