document locator & letter of instruction

Critical information where and when you need it

COURTESY OF

DOCUMENT LOCATOR& Letter of Instruction

http://www.kenstern.com

Your estate encompasses a wide range of information and assets, from investment records to estate planning documents to the intangibles of your legacy.

Documenting and communicating this information is crucial in helping your heirs and beneficiaries locate and account for all of your assets. Millions of dollars go unclaimed from banks and insurance companies each year, or are frozen in court proceedings; getting and staying organized now can help you and your heirs to avoid such issues.

In this Document Locator you will find a place to record the following:

• Personal Information p. 1 for you and your family members, including Social Security Numbers

• Key Contacts p. 2 such as Attorney, Accountant, Financial Advisor, Insurance Agent, Physician

• Important Documents & Assets p. 3-7 indicate the location of important documents such as your Trust, Will, Birth Certificates, Deeds, Employment Records, Insurance Policies, Financial and Investment Accounts, and other Legacy items

• Letter of Instruction p. 8-10 provides details as to how you would like your caregivers to proceed in the event of your death or incapacitation

We encourage you to set aside time to seriously consider your legacy. What do you own? Where are your original documents? How should your assets be titled? What are your outstanding debts? Who are your heirs, or trustees, and your executor?

Then complete the information in this piece, updating it as needed, and place it in your AlphaVault for safe keeping.

PERSONAL INFORMATION (Individual, Spouse, Children)

Name

Relationship Date of Birth

Place of Birth

Social Security Number

Name


Place of Birth


Name


Place of Birth


Name


Place of Birth


Name


Place of Birth


Name


Place of Birth


DOCUMENT LOCATOR & Letter of Instruction

1

KEY CONTACTS

ATTORNEY

Name

Address

Phone No. Email

Website Password/Log-in

Account No. (if any)

ACCOUNTANT/TAX PREPARER

Name

Address

Phone No. Email



FINANCIAL ADVISOR

Name

Address

Phone No. Email



INSURANCE AGENT

Name

Address

Phone No. Email


Account No.

PRIMARY PHYSICIAN

Name

Address

Phone No. Email

City/State/Zip

POWER OF ATTORNEY FOR FINANCIAL AFFAIRS

Name

Address

Phone No.

Email

POWER OF ATTORNEY FOR MEDICAL PURPOSES

Name

Address

Phone No.

Email

TRUSTEE

Name

Address

Phone No.

Email

EXECUTOR

Name

Address

Phone No.

Email

OTHER

Name

Address

Phone No.

Email

“The only thing you take with you when you’re gone is what you leave behind.”

~ John Allston

2

IMPORTANT DOCUMENTS

“Other things may change us, but we start and end with family. ”

~ Anthony Brandt

Legal documents, certificates and other records are

a vital part of not only

your estate but also your

family legacy.

Identify the location of

important documents

here by checking the

appropriate box. If the

location is “Other,” be

specific as to the exact

location (i.e. file cabinet

in home office, storage

box in garage, etc.).

3

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

SOCIAL SECURITY CARDS

For: ______________________________

BIRTH CERTIFICATES

For: ______________________________

ADOPTION PAPERS

For: ______________________________

MARRIAGE CERTIFICATES

For: ______________________________

RELIGIOUS CERTIFICATES

For: ______________________________

_________________________________

PER

SON

AL

CER

TIFI

CA

TES

r r r r r_______

r r r r r_______

FAMILY DEATH CERTIFICATES

For: _____________________________

CEMETERY PLOT DEED

For: _____________________________

FINAL ARRANGEMENTS (See Letter of Instruction on pgs 7-11 )

LEG

AC

YLE

GA

L

r r r r r_______

r r r r r_______

r r r r r_______ r r r r r_______ r r r r r_______ r r r r r_______

FAMILY TRUST

For: ______________________________

LIVING WILL

For: ______________________________

ENTITY OR CORPORATION

POWER OF ATTORNEY - FINANCIAL

ADVANCE HEALTH CARE DIRECTIVE

DIVORCE/SEPARATION/ ANNULMENT PAPERS

DOCUMENT LOCATION:Alpha Home Safe Deposit Vault Safe Box Office Other

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

MILITARY RECORDS

In Whose Name: ___________________

Type of Record: ____________________

NATURALIzATION PAPERS

For: ______________________________

EMPLOYMENT RECORDS

For: ______________________________

Company: ________________________

PENSION PLANS

For: ______________________________

Company: ________________________

OTH

ER

DOCUMENT LOCATION:P

RO

PE

RTY

r r r r r_______

r r r r r_______

r r r r r_______ r r r r r_______

r r r r r_______ r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

HOME MORTGAGE

Mortgage Holder: ___________________

OTHER PROPERTY/RENTALS

Owner on Deed: ____________________

VEHICLES

1. Make/Model/Yr: __________________

Location of Title

Location of Maintenance Records

2. Make/Model/Yr: __________________

Location of Title

Location of Maintenance Records

SAFE DEPOSIT BOX

In Whose Name: ___________________

Institution: ________________________

Location of Keys

POST OFFICE BOX

In Whose Name: ___________________

Post Office Branch: __________________

Location of Keys

STORAGE UNIT

In Whose Name: ___________________

Storage Company: __________________

Location of Keys

Alpha Home Safe Deposit Vault Safe Box Office Other

Property is often the most significant part of

a person’s estate. Your

real estate holdings and

property can include

your main residence,

vacation home, time

share, rental property,

land, vehicles (cars,

boats, etc), as well as

items stored in a safe

deposit box or storage

unit.

Be sure to indicate the

location of important

records and keys so

your survivors have the

necessary access to

your property. Also, be

sure your holdings are

titled properly, whether

it be personal, trust, or

retirement.

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

LIFE

Company: ________________________

Policy No.: ________________________

DISABILITY AND/OR LONG-TERM

HEALTH CARE

Company: ________________________

Policy No.: ________________________

HOMEOWNERS

Company: ________________________

Policy No.: ________________________

MEDICAL/HEALTH

Company: ________________________

Policy No.: ________________________

MEDICARE

ID No.: ___________________________

AUTO

Company: ________________________

Policy No.: ________________________

INSU

RA

NC

E P

OLI

CIE

S

“The happiest life ends before death. “

~ Chinese Proverb

4

“It is precisely the uncertainty of this world that makes life worth living.”

~ Japanese Proverb

FIN

AN

CIA

L A

SS

ETS

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______ r r r r r_______

CHECKING

Institution: ________________________

Account No: _______________________

SAVINGS

Institution: ________________________

Account No: _______________________

CERTIFICATE OF DEPOSIT

Institution: ________________________

Account No: _______________________

TRUST FUNDS

For the Benefit of: ___________________

Trustee: __________________________

Attorney: __________________________

LOANS PAYABLE TO US

From Whom: ______________________

Phone No: ________________________

SOCIAL SECURITY PAPERS

OTHER __________________________

Institution: ________________________

Account No: _______________________


Your financial assets and liabilities may be

wide and varied—from

savings accounts, IRAs

and stock investments

to credit cards and

loans. Review your

beneficiaries, who are

they, are they correct,

do they need to be

updated?

Providing this information

will prove valuable in

helping your family sort

out your income and

financial obligations.

FIN

AN

CIA

L LI

AB

ILIT

IES

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

INSTALLMENT LOAN

Institution: ________________________

Account No: _______________________

INSTALLMENT LOAN

Institution: ________________________

Account No: _______________________

CREDIT CARD

Creditor: __________________________

Account No.: ______________________

CREDIT CARD

Creditor: __________________________

Account No.: ______________________

CREDIT CARD

Creditor: __________________________

Account No.: ______________________

CREDIT CARD

Creditor: __________________________

Account No.: ______________________

OTHER __________________________

Institution: ________________________

Account No.: ______________________

5

DOCUMENT LOCATION:

INV

ES

TME

NTS

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

r r r r r_______

BROKERAGE ACCT/DIRECTLY HELD INVESTMENTS

Institution: ________________________

Account No.: ______________________

BROKERAGE ACCT/DIRECTLY HELD INVESTMENTS

Institution: ________________________

Account No.: ______________________

ANNUITY

Company: ________________________

Broker: ___________________________

Account No.: ______________________

ANNUITY

Company: ________________________

Broker: ___________________________

Account No.: ______________________

IRA

In Whose Name: ___________________

Account No.: ______________________

IRA

In Whose Name: ___________________

Account No.: ______________________

401(k)

In Whose Name: ___________________

Institution: ________________________

Account No.: ______________________

401(k)

In Whose Name: ___________________

Institution: ________________________

Account No.: ______________________

EMPLOYMENT BENEFITS/PENSION

Company: ________________________

Account No.: ______________________

EMPLOYMENT BENEFITS/PENSION

Company: ________________________

Account No.: ______________________

529/COLLEGE SAVINGS

Beneficiary: _______________________

Account No.: ______________________

529/COLLEGE SAVINGS

Beneficiary: _______________________

Account No.: ______________________

OTHER __________________________


“There is in the act of preparing, the moment you

start caring.“

~ Sir Winston Churchill

6

DOCUMENT LOCATION:

“A good name is a second inheritance.”

~ German Proverb

OTH

ER

AS

SE

TS

As part of your estate, you may be

in possession of other

property or valuables

that you would like

kept in the family. For

example, you may have

jewelry or furniture that

has been handed down

for generations in your

family. Or you may have

irreplaceable family

photos, scrapbooks, or

other documents.

Identify those items

and their location

here, including any

legacy plans you may

have created or other

important items of note

for your survivors.

7

ITEM LOCATION:

r r r r r_______ r r r r r_______ r r r r r_______ r r r r r_______ r r r r r_______

ANTIQUES & HEIRLOOMS

Item Description: ___________________





FURNITURE/ARTWORK






JEWELRY / CLOTHING






PHOTO ALBUMS/SCRAPBOOKS




VEHICLES




IMPORTANT KEYS

For/Description: ____________________

For/Description: ____________________

For/Description: ____________________

LEGACY PLANS

CASH

OTHER _________________________

OTHER _________________________

OTHER _________________________

OTHER _________________________




r r r r r_______ r r r r r_______ r r r r r_______



r r r r r_______ r r r r r_______ r r r r r_______ r r r r r_______ r r r r r_______ r r r r r_______

OTHER ASSETS

This Letter of Instruction is a critical document for those

who you have instructed and

asked to represent you in the

event of your untimely death

or incapacitation. When the

time comes, this document

should be used to help answer

any outstanding questions and

provide additional insight as to

the spirit in which you would like

to have your wishes carried out.

The recipient(s) of this letter

should understand that you

are relying on them to execute

their duties according to your

wishes. The contents of this

entire Document Locator & Letter of Instruction booklet

are designed to help minimize

uncertainties.

Your personal wishes can be

spelled out in the Five Wishes®

booklet to help your family

and survivors understand the

manner in which you wish to be

cared for and what is important

to you during this phase of

your life in the event that

you become incapacitated.

Contact your Ken Stern &

Associates advisor for a copy of

this additional key document.

Date: ________________________________________________

Created by: __________________________________________

This Letter of Instruction is divided into two sections:

1. If I become incapacitated.

2. If I have died.

SECTION 1: IF I BECOME INCAPACITATED

1. Gather all current fixed expenses, i.e. mortgage, rent, utilities, automotive obligations (loan/lease/insurance) and medical insurance, communication, educational/professional loans.

Pay the bills that are still applicable. Be sure to discontinue all fixed expenses that are no longer warranted, and determine if any medical insurance includes premium waivers in the event of incapacitation. If it is determined that I will not be moving back into my house, or able to drive my automobile, consider selling those assets.

2. If I am under the care of a private medical practitioner, it is imperative that the following are executed:

•Take an inventory of all my personal effects, i.e. jewelry, cash and other valuables, to avoid any abuse that could take place while I’m incapacitated.

•Establish a clear plan of care and costs for that care.

•Determine what medical insurance will and will not pay for.

•Obtain proof that the medical professionals are bonded, licensed and are easy to communicate with.

•Cancel all automatic bill payments that may have been in effect.

3. Meet with my advisory team (Power Players), including trustees, money manager, attorney, accountant, etc. Be sure to discuss strategic changes with regard to asset rebalancing, tax returns or legal documents.

4. Review all financial institutions listed in my Document Locator. Provide my Advance Health Care Directive and Financial Power of Attorney documents to my agent(s) in fact and legal counsel.

LETTER OF INSTRUCTION

8

SECTION 2: IF I HAVE DIED

Please ensure that this Letter of Instruction is given to my trustee. Although they should have complete trustee instructions, they can still use this as a guide.

1. Upon my death, I would like the following individuals to be notified: (attach separate list as needed)

Name Phone Number

Name Phone Number

Name Phone Number

Name Phone Number

2. My burial instructions are as follows:

rI WANT MY BODY BURIED rOpen Casket rClosed Casket

Mortuary/Funeral Home ____________________________________________________________

Clothes I Wish to Wear ____________________________________________________________

rI WANT MY BODY CREMATED

Mortuary/Cremation Facility _________________________________________________________

Ashes to be:

rScattered on Land or Water _____________________________________________________

rBuried/Stored Above Ground ____________________________________________________

r Kept with Family or Friend ______________________________________________________

Describe other wishes: (i.e., embalming, pre-cremation, container for ashes) __________________

______________________________________________________________________________

FUNERAL OR MEMORIAL SERVICE

Church or Synogogue Name / Location ___________________________________________________

Pall Bearers ________________________________________________________________________

__________________________________________________________________________________

Music _____________________________________________________________________________

Readings / Prayers / Poems / Letters _____________________________________________________

Military Honors ______________________________________________________________________

Cemetary Name / Location _____________________________________________________________

Burial Site Section / Plot No. / Grave No. (if purchased in advance) _____________________________

Epitaph ____________________________________________________________________________

Burial Marker _______________________________________________________________________

Obituary ___________________________________________________________________________

Other Wishes _______________________________________________________________________

__________________________________________________________________________________

Making your final arrangements while

you are still of sound

mind and body helps

to ensure that your

wishes are adequately

documented and will be

properly carried out.

As you can see, there

are many aspects

and details of your

final arrangements

to consider. Prior to

completing this section,

discuss the options with

your family. You may find

inspiration in the final

arrangements of a close

friend or family member.

Additional instructions

you may want to include

would be donating your

body or organs, the care

of any pets you may

leave behind, and any

pre-paid financial plan

you may have for your

arrangements.

9

3. Carefully verify every expense that presents itself. Unfortunately, some of these may be sent from scam artists or sent in error, so be sure to verify each one. Among the list of expenses to discontinue are: all leases, rent, domestic help, and outstanding contracts.

4. Make sure you go through my mail thoroughly. After a while, solicitations may all begin to look like form letters. However, keep in mind that one may be a check from an insurance company or other legitimate source.

5. Consult counsel to determine what other documents may be required, including, but not limited to, marriage certificates, affidavits of domicile, and death certificates.

6. Use the Document Locator section of this booklet to marshall all of the assets. Value all assets as of the date of death.

7. File insurance claims. Refer to the Document Locator for information on all accounts and policies.

8. Review all beneficiaries of my assets. Each account may differ.

9. Notify all government agencies of my death: Post Office, Social Security (1-800-772-1213), Medicare, etc.

10. I have made a gift declaration as part of my succession planning. Paperwork can be found in the following location:______________________________. Please commence distributing these gifts to the respective people after receiving authorization from legal and tax counsel.

11. Other Instructions:

__________________________________________________________

__________________________________________________________

__________________________________________________________

__________________________________________________________

__________________________________________________________

Print Name

Signature Date

There are legal considerations to take

into account when planning

and executing your final

arrangements. Doing research

in advance, understanding

pertinent laws and regulations,

and consulting an attorney can

help you avoid many obstacles

that might impede your

survivors from carrying out

your exact wishes.

10

3655 Nobel Drive, Suite 630 San Diego, CA 92122

858.485.0404 | www.kenstern.com

Ken Stern & Associates is a Registered Investment Advisor. Securities offered through First Allied Securities, Inc., A Registered Broker/Dealer,

Member FINRA/SIPC CA Insurance License # 0B95262. KS&A does not provide legal or tax advice. For legal and Estate Planning

guidance it is necessary to consult an attorney. For tax questions it is necessary to consult a tax professional. KS&A will provide you with referrals to such

professionals upon request.

http://www.kenstern.com