A Financial Power of Attorney is a foundational estate planning document that grants a trusted person the authority to handle your financial affairs if you become unable to act. In Los Angeles, families and individuals use this tool to ensure bills are paid, property is managed, and financial decisions are made without delay or court intervention. The Law Offices of Robert P. Bergman provides clear guidance about how a Financial Power of Attorney can be tailored to meet California law requirements and to fit your personal needs, giving you and your loved ones a reliable plan to manage financial matters when you cannot act.
Choosing the right financial agent and drafting a durable Financial Power of Attorney that complies with California statutes helps avoid confusion and costly delays. This document can be effective immediately or spring into effect upon specified circumstances, and it can be limited to particular transactions or broadened to cover most financial affairs. Our Los Angeles-focused information explains the differences between powers that terminate on incapacity and those that remain in effect, while emphasizing careful selection of an agent, clear language about powers granted, and appropriate safeguards to protect your assets and intentions.
A properly executed Financial Power of Attorney can prevent costly court proceedings, maintain continuity of bill payment and asset management, and preserve your financial stability during illness or disability. For Los Angeles residents, having this document in place provides practical benefits such as authorizing someone to manage banking transactions, pay taxes, manage investments, and oversee real estate matters without interruption. It also enables families to act quickly in emergencies and protects against creditor and administrative delays. Drafted carefully, it balances flexibility for the agent with appropriate protections to ensure your financial affairs are handled according to your preferences.
The Law Offices of Robert P. Bergman serves California clients with a focus on practical, thoughtful estate planning solutions tailored to each person’s circumstances. Our work covers drafting Financial Powers of Attorney, revocable trusts, wills, health care directives, and related trust documents. For Los Angeles residents seeking clarity about financial decision-making during incapacity, we provide straightforward explanations and personalized document drafting. Clients receive responsive communication, careful review of their goals, and final documents prepared to meet California legal standards, with attention to protecting assets and minimizing administrative burdens for families.
A Financial Power of Attorney is a legal instrument that appoints an agent to manage financial affairs on your behalf. In California it can be durable, meaning it continues if you become incapacitated, or limited, applying only to specified transactions. Deciding which powers to grant, when they begin, and under what conditions they end are key elements of drafting. Los Angeles clients often consider whether to permit real estate transactions, gifting, retirement account management, and tax filings. Proper drafting, clear statements of intention, and compliance with execution formalities reduce the risk of disputes and ensure the document functions as intended when activated.
The agent you appoint carries significant responsibility to act in your best interest, follow your instructions, and maintain accurate records of transactions. The document can include successor agents, conditions for activation, and limits on authority to protect beneficiaries and assets. It is also essential to coordinate a Financial Power of Attorney with your broader estate plan so that trust instruments, wills, and beneficiary designations work together. Regular review and updates are recommended as life circumstances change, such as marriage, divorce, changes in assets, or relocation to another state, to ensure the powers remain aligned with your current objectives.
A Financial Power of Attorney is a written declaration that names an agent to act on your behalf for financial matters. The scope may include managing bank accounts, paying bills, handling investments, selling property, and dealing with governmental agencies. In California, the document must meet certain signature and witnessing requirements to be effective. It can take immediate effect or be contingent on an event, such as a physician’s determination of incapacity. Clarifying the agent’s authority, including any prohibitions or required reporting, helps prevent misunderstandings and protects your long-term financial interests while preserving your autonomy when you remain able to act.
Creating a Financial Power of Attorney involves identifying the principal and agent, specifying the powers granted, determining the activation conditions, and executing the document according to California law. Additional elements include naming successor agents, including any limits on gifts or transfers, and instructions for recordkeeping and oversight. The process typically begins with an assessment of your assets and financial needs, followed by tailored drafting and careful review. Signing and notarization are critical to ensure acceptance by banks, government agencies, and other institutions. A thoughtful approach minimizes later disputes and ensures your chosen agent has clear authority and responsibilities.
Understanding common terms used in Financial Power of Attorney documents helps you make informed choices. Terms like durable, agent, successor agent, principal, springing power, and grant of authority appear frequently and shape how the document functions. Knowing their meanings clarifies when an agent can act and what actions are permitted. This glossary provides concise definitions to guide decisions about scope, limitations, and safeguards. Clear vocabulary reduces misinterpretation, assists institutions in accepting the document, and helps ensure the agent’s actions conform to your wishes and to California legal standards for fiduciary conduct and recordkeeping.
A durable power of attorney remains effective even if the principal becomes incapacitated, allowing the appointed agent to continue managing financial matters without court intervention. California law permits a durable form when language explicitly states that authority persists despite later incapacity. This continuity is important for seamless management of bills, investments, tax filings, and real estate transactions. Choosing a durable form reduces the need for conservatorship proceedings and streamlines financial decision-making during illness or injury, while still allowing the principal to revoke or modify the document while they retain capacity.
A successor agent is an individual named to take over if the primary agent is unable or unwilling to serve. Naming one or more successors provides continuity and ensures someone is available to act if the primary agent cannot. Successor agents step into the same range of authority as specified in the original document, subject to any conditions or limitations you include. Carefully choosing and communicating with successor agents helps avoid gaps in representation, reduces the likelihood of disputes among family members, and supports consistent management of financial affairs during unexpected events.
A springing power becomes effective only upon a specified event, most commonly the principal’s incapacity as determined by a physician or another defined process. While springing powers can provide added assurance that the agent will not act prematurely, they may also create administrative delay if institutions require proof of incapacity. Drafting clear activation criteria and documentation requirements helps balance the desire for control with the practical need for timely access to financial management, especially in urgent situations such as medical emergencies or sudden incapacity.
Scope of authority refers to the specific powers granted to the agent, which can range from narrow tasks like paying a mortgage to broad authority over investments, tax matters, and real estate. Detailing the scope helps institutions accept the document and reduces the risk of misuse. You can include explicit permissions or prohibitions, require agent reporting, and establish limits on gifting or retirement account access. A well-defined scope aligns the agent’s responsibilities with your intentions and provides a framework for accountability and oversight.
Selecting the appropriate form of Financial Power of Attorney depends on your comfort with when and how authority is exercised. A limited power focuses on specific transactions, a durable power remains in effect through incapacity, and a springing power activates upon a defined event. Each option carries tradeoffs between control, immediacy, and convenience. For instance, a limited power may avoid granting broad access but could require additional documents for later needs, while a durable power ensures continuity without court proceedings. Discussing these options in the context of your assets and family dynamics helps identify the right balance.
A limited Financial Power of Attorney fits circumstances where you need someone to handle a specific matter, such as closing a real estate sale, transferring a vehicle title, or managing a complicated tax filing while you are away. This focused approach reduces the likelihood of overreaching and keeps authority confined to necessary tasks. It provides confidence that the agent’s power is temporary and directed, which can be beneficial when parties prefer tight control over finances or when a trusted individual is assisting with one discrete obligation without ongoing authority.
If you expect a short, predictable period where you cannot attend to affairs—such as during overseas travel, a brief medical procedure, or a temporary rehabilitation stay—a limited power may adequately address the gap without granting continuing authority. This allows a trusted person to act for identified transactions and then cease authority automatically, reducing the need for later revocation. Clear instructions and a precise time frame help institutions accept the document and ensure that your financial interests are managed appropriately for the anticipated short duration.
A comprehensive, durable Financial Power of Attorney is appropriate when you seek continuous management of diverse financial matters because it allows an appointed agent to handle routine payments, investment decisions, taxes, and property issues without interruption. This continuity becomes especially important for individuals with multiple accounts, complex investments, or business interests. Having a single trusted person who can step in preserves fiscal stability, prevents missed deadlines, and avoids court-appointed conservatorship that can be time-consuming and expensive. Thoughtful drafting ensures broad authority is paired with safeguards and reporting expectations.
When your estate plan includes revocable living trusts, retirement plan trusts, or other long-term arrangements, a comprehensive Financial Power of Attorney helps align interim management with your overall intentions. The agent can fund trusts, facilitate transfers, and manage accounts to preserve estate planning goals. Coordination among documents prevents conflicts and ensures beneficiary plans continue smoothly. Including clear references to related trust documents and directing the agent on how to handle distributions and account coordination supports your long-term objectives and reduces the potential for administrative errors or conflicting actions.
A comprehensive approach offers uninterrupted financial management, reduces the need for court involvement, and ensures someone you trust can act promptly on important matters. This approach protects against missed payments, unmanaged investments, and other lapses that can harm credit and asset values. For Los Angeles clients, the ability to address local real estate, tax, and banking issues quickly can be especially important. Clear instructions and limitations within the document preserve your intentions while granting the necessary authority to maintain day-to-day and strategic financial decisions on your behalf.
Another benefit of a broad Financial Power of Attorney is continuity when multiple institutions must be contacted, including banks, investment firms, insurance companies, and governmental agencies. A single, well-drafted document that is accepted across these entities reduces friction and delays in handling financial affairs. Additionally, it enables an appointed agent to implement financial strategies that respond to changing circumstances, such as adjusting investments or handling tax obligations. Periodic review keeps the document in line with changing laws and personal situations, ensuring it remains practical and effective.
By establishing a durable Financial Power of Attorney, families often avoid the need for court-supervised conservatorship, which can be costly, public, and slow. A valid, broadly worded document allows a designated individual to manage finances without judicial oversight, preserving privacy and control. This can be particularly valuable in Los Angeles where timely decisions about property, taxes, and benefits may be needed. Proper execution, institutional acceptance, and clear recordkeeping by the agent help ensure the arrangement is recognized and reduces the likelihood of disputes that could otherwise trigger court involvement.
A comprehensive Financial Power of Attorney permits immediate financial actions when necessary, such as paying for medical care, maintaining mortgage payments, or managing investments. This timely access prevents late fees, service interruptions, and potential damage to credit ratings. It also makes it easier to meet deadlines for tax filings and other obligations. Having a trusted individual empowered to act reduces stress for family members and ensures bills and financial responsibilities continue to be handled according to your directions during periods when you cannot manage them yourself.
Select an agent who understands your financial preferences, is willing to keep clear records, and can communicate effectively with family and institutions. Discuss expectations in advance, including how to handle banking, investments, taxes, and real estate transactions. Consider naming successor agents to ensure continuity if the first appointee cannot serve. Also evaluate whether to include reporting requirements or co-agents to provide additional oversight. Clear, candid conversations and written guidance help prevent misunderstandings and ensure the agent acts in a manner consistent with your values and practical needs.
Ensure your Financial Power of Attorney works together with wills, trusts, beneficiary designations, and health care directives to create a consistent plan. For example, instructions related to funding a revocable trust, pour-over wills, or retirement plan trusts should be clear so the agent knows how to proceed. Review all documents together when major life events occur, such as marriage, divorce, changes in assets, or relocation, so the plan remains cohesive. Regular review helps address evolving circumstances and maintains the intended distribution and management of your estate.
A Financial Power of Attorney provides practical protections that help families avoid delays and administrative burdens when someone cannot manage their finances. It allows a trusted person to pay bills, handle banking and investments, and take care of tax matters promptly. For residents of Los Angeles with busy lives, varied assets, or property matters, having an authorized agent can ensure responsibilities are met without interruption. Making these arrangements in advance reduces stress for loved ones and helps preserve financial stability during health crises or unexpected events.
In addition to continuity of financial management, a well-drafted Financial Power of Attorney helps reduce the likelihood of disputes and the need for public court proceedings. It clarifies who has authority, what powers are granted, and when they take effect. This can save time and expense while preserving privacy. Establishing a durable power that aligns with your broader estate plan ensures that asset management and fiduciary duties are handled according to your directions, supporting the long-term goals you set for your family and financial legacy.
Typical circumstances that call for a Financial Power of Attorney include planned surgeries, progressive illness, aging that may impair capacity, extended travel, or complex financial holdings that require active management. Business owners and property owners often name an agent to keep operations and transactions moving without interruption. Likewise, people with out-of-state assets or who travel frequently find it helpful to authorize a local person to act promptly on time-sensitive matters. Preparing in advance ensures continuity and reduces the need for emergency legal remedies.
When you anticipate being temporarily unavailable due to medical procedures or travel, a limited or durable Financial Power of Attorney can authorize a trusted person to handle bills, banking, and routine financial transactions. This prevents late payments, disrupted services, and missed opportunities to manage accounts. Clear instructions and a defined time frame can keep authority focused on the immediate need while preserving your broader financial autonomy. Preparing documents ahead of time ensures institutions will accept the agent’s authority when needed.
If you or a family member face declining health or cognitive impairment, establishing a durable Financial Power of Attorney helps preserve financial continuity and avoid guardianship proceedings. The appointed agent can manage necessary transactions, pay for care, and oversee investments in line with the principal’s prior directions. Early planning, timely execution, and clear instructions are vital to ensure that the agent’s authority is recognized by banks and service providers and that financial decisions align with the principal’s best interests and previously stated wishes.
Individuals with diversified investments, multiple properties, or business interests benefit from a broader Financial Power of Attorney that allows coordinated decision-making. An able agent can handle tax filings, property management, payroll, and business transactions to prevent operational disruption. Naming trustworthy successor agents and including guidance for business continuity helps protect the value of assets. Clear direction for handling complex holdings reduces the risk of mismanagement and supports smooth transitions if the principal becomes unable to attend to regular financial responsibilities.
The Law Offices of Robert P. Bergman provides Los Angeles clients with tailored Financial Power of Attorney services, including drafting durable or limited documents, naming successor agents, and coordinating with trusts and wills. We help clients determine appropriate powers, draft clear activation clauses, and prepare notarized documents suited for use with California banks and institutions. Our approach emphasizes practical protections, clear communication, and reviewing documents over time to ensure they remain aligned with changing circumstances. Clients receive guidance on how the document functions and what to expect when an agent is called upon to act.
The firm offers practical knowledge in California estate planning, focusing on durable Financial Powers of Attorney and coordination with trusts, wills, and related documents. We help Los Angeles residents navigate the statutory requirements, institutional acceptance issues, and drafting choices that affect when and how an agent may act. Our process includes assessing your assets, discussing appropriate limits and safeguards, and preparing documents that reflect your preferences. Clear communication and careful document preparation reduce the likelihood of disputes and facilitate smoother financial management during periods of incapacity.
Clients benefit from a thorough review of their overall estate plan to ensure consistency among Financial Powers of Attorney, revocable living trusts, beneficiary designations, and health care directives. We advise on naming primary and successor agents, adding reporting requirements, and integrating the document with trust funding strategies. The goal is to produce practical, enforceable documents that financial institutions and government agencies will accept, while giving your family confidence that financial affairs can continue to be handled responsibly when you cannot act.
Communication and responsiveness are important parts of our service. We explain the differences between limited, durable, and springing powers, help you choose appropriate language about gifting and transactions, and provide executed documents with instructions for carrying them out. Clients receive clear copies for filing with banks and trusted advisors and guidance on when and how to update documents as life changes occur. This planning helps maintain financial stability and reduces the administrative burdens on family members.
Our process begins with an intake to understand your assets, goals, and concerns, followed by drafting a Financial Power of Attorney tailored to those needs and California legal standards. We discuss whether a durable, limited, or springing power is appropriate and identify suitable primary and successor agents. Documents are prepared, reviewed with you for clarity, and finalized with proper signing and notarization to ensure acceptance by institutions. We also coordinate the POA with other estate planning documents to promote consistency and avoid conflicts.
The first step involves a conversation about your financial situation, priorities, and concerns, including an inventory of accounts, property, and any business interests. We ask about who you trust to act on your behalf and any conditions you wish to include. This assessment informs whether a durable, limited, or springing power is best and identifies any special instructions needed for banks, retirement accounts, or real estate transactions. The goal is to capture a full picture so the drafted document matches your practical needs and legal requirements.
We help you evaluate potential agents and successor agents based on availability, trustworthiness, and ability to manage financial tasks. Conversations include whether to name co-agents, require successor approval, or include reporting requirements to provide oversight. These considerations mitigate the risk of future disputes and ensure someone is available to act if the primary choice cannot serve. Guidance on this selection emphasizes practical reliability and continuity to maintain financial affairs without undue interruption.
During the initial review we clarify which authorities you wish to grant, such as banking, investing, paying bills, handling taxes, or transferring property. We also discuss limits you may want to impose, including restrictions on gifting, access to retirement accounts, or the sale of major assets. Documenting these choices precisely helps institutions accept the POA and supports the agent in fulfilling responsibilities consistent with your intentions. Clear drafting minimizes ambiguity and supports enforceability.
After identifying needs and preferences, we draft the Financial Power of Attorney with language suited to California law and institutional requirements. The draft is reviewed with you to confirm the scope, activation conditions, and any special instructions or reporting obligations. Revisions are made as needed to ensure the document reflects your intentions and will be readily accepted by banks and agencies. Finalizing the document includes preparing notary and witness processes required for effective use and advising on distribution of executed copies.
We tailor the language to increase the likelihood that banks, brokerage firms, and government agencies will accept the document, while balancing the principal’s control and protections. This may include clear statements about agent authority, acknowledgment of California statutory language, and guidance on notarization. Providing clients with certified copies and a plan for distribution helps accelerate acceptance when the agent needs to act and reduces friction at the time of activation.
We ensure the Financial Power of Attorney is consistent with revocable living trusts, pour-over wills, beneficiary designations, and health care directives. This coordination prevents conflicts and clarifies how agents should interact with trustees and named beneficiaries. Where necessary, we revise language or provide instructions to agents to preserve trust funding strategies and estate planning goals. The result is a cohesive package of documents that works together to carry out your intentions smoothly.
The final stage involves signing and notarizing the Financial Power of Attorney, providing copies to the agent, successor agents, and relevant financial institutions, and advising on safe storage. We explain practical steps for the agent to take when acting and recommend periodic review to ensure the document remains current with life changes. Regular updates preserve the effectiveness of the POA and maintain alignment with estate planning goals as assets, relationships, or legal requirements evolve over time.
Proper execution and notarization are essential for institutional acceptance and to avoid delays when an agent needs to act. We guide you through signature requirements, arranging notaries, and ensuring witnesses if required by particular institutions. Once executed, providing original or certified copies to banks, brokers, and trusted advisors helps reduce friction. We also discuss storing the original securely while keeping readily accessible copies available to the appointed agent and key family members.
Life changes such as marriage, divorce, relocation, or significant changes in wealth may require updates to your Financial Power of Attorney. Regular review ensures named agents remain appropriate, limits remain suitable, and activation clauses reflect current preferences. We recommend periodic check-ins to confirm that documents continue to serve your needs and to implement revisions when circumstances change. Ongoing attention helps maintain a usable document and prevents issues when the agent must step in to manage affairs.
A Financial Power of Attorney is a legal document that appoints an agent to handle financial tasks such as paying bills, managing bank accounts, overseeing investments, and handling real estate transactions on your behalf. It is useful because it provides continuity when you cannot act due to illness, injury, or absence, allowing a trusted person to maintain financial affairs without court intervention. Having this arrangement in place reduces administrative delays and can prevent missed payments, lapses in insurance, or unmanaged accounts that might otherwise harm your financial standing. Deciding to create a Financial Power of Attorney involves choosing the appropriate scope, whether durable or limited, and naming suitable agents. This document can be coordinated with other estate planning tools like trusts and wills to ensure consistent management of assets. Proper execution and communication with institutions and family members increase its effectiveness when the agent needs to act. Early planning helps ensure your financial matters are handled according to your instructions and minimizes stress for loved ones.
A durable power of attorney remains effective even if the principal becomes incapacitated, enabling the agent to continue managing financial affairs without additional court involvement. This form typically contains language stating that the authority persists despite later incapacity. In contrast, a springing power only takes effect upon a specified event, often a physician’s determination of incapacity, and thus does not allow the agent to act until activation criteria are met. The choice between them depends on your comfort with immediate agent authority versus conditional activation based on a triggering event. Springing powers can provide additional assurance that an agent will not act prematurely, but they may introduce practical delays because institutions often require specific proof of incapacity before recognizing the agent’s authority. Durable powers offer immediate continuity but may feel broader in scope. Discussing how each option aligns with your needs and local institutional practices helps determine which approach is more appropriate for your situation.
Choosing the right agent involves assessing trust, availability, financial judgment, and willingness to serve. The best choice is someone who understands your values and can communicate with family members and financial institutions. Many principals name a spouse, adult child, or close friend, and also name successor agents in case the first appointee is unable to act. It is important to discuss the role in advance so the agent understands responsibilities like recordkeeping, paying bills, and making decisions in line with your preferences. When selecting agents, consider whether to require successor approval, allow co-agents, or include reporting requirements for transparency. Naming backups in order of succession prevents gaps if the primary agent is unavailable. Clear written guidance for the agent and ensuring institutions will accept the document enhance practical functionality and reduce the likelihood of disputes among family members during stressful times.
Yes, a Financial Power of Attorney can be drafted to limit authority to specific tasks or transactions, such as selling a particular property, handling a single tax filing, or managing certain accounts during a set period. This limited approach provides focused authority for the agent while preserving the principal’s control over other matters. It is helpful for short-term needs, travel, or discrete transactions where broad authority is unnecessary and not desired by the principal. Limiting authority requires precise language to avoid ambiguity and ensure institutions accept the document for the intended transactions. Including clear start and end dates, and specifying exactly which powers are granted, helps banks and other entities recognize and rely on the document. When circumstances expand or change, the principal can execute new documents to broaden or otherwise modify authority as needed.
Many banks, brokerage firms, and government agencies accept Financial Powers of Attorney that are properly executed and contain language consistent with California law. Acceptance often depends on clear notarization, unambiguous grant of authority, and institutional policies. Some entities may have their own forms or require specific language, so preparing the document with institutional acceptance in mind increases the likelihood of smooth transactions when the agent attempts to act on behalf of the principal. To improve acceptance, provide certified copies to institutions in advance, include required statutory language, and coordinate with trustees or account administrators. When planning, ask banks and financial institutions about any specific requirements so the POA can be drafted accordingly, minimizing delays when the agent needs to access accounts or make transactions.
Safeguards against misuse include careful agent selection, naming successor agents, including reporting or account review requirements, and limiting certain powers such as gifting or sale of major assets. Clear documentation of the agent’s obligations and expected recordkeeping helps create accountability. Providing copies to family members or co-agents and requiring periodic reporting can deter inappropriate actions and provide oversight without restricting necessary access to funds for legitimate needs. Additionally, maintaining up-to-date records and having financial professionals review significant transactions can further protect against misuse. If concerns arise, the principal may revoke the POA while competent, or interested parties can seek court intervention if the agent acts outside the authority granted. Thoughtful drafting combined with transparency offers both practical functionality and reasonable safeguards.
If you move to another state, the validity and acceptance of a Financial Power of Attorney can depend on the laws of the new state and the policies of institutions you interact with. Many states recognize out-of-state powers of attorney, particularly if they were validly executed where they were signed, but some institutions or states may require additional steps or updated forms. Reviewing the document after a move helps ensure continued functionality and compliance with local requirements. It is prudent to consult with an attorney familiar with the new state’s rules to confirm whether amendment or re-execution is advisable. Updating accounts and providing certified copies to local institutions can ease transitions. Addressing any differences proactively reduces the likelihood of delays or refusal when the agent needs to act in the new jurisdiction.
Reviewing your Financial Power of Attorney every few years or after significant life events—such as marriage, divorce, birth, death of an agent, changes in assets, or relocation—helps ensure the document remains current and effective. Regular review confirms that named agents are still appropriate, that powers granted match current intentions, and that activation clauses continue to reflect your preferences. It also provides an opportunity to coordinate the document with updates to trusts, wills, and beneficiary designations. Keeping documents current reduces the possibility of institutional rejection and avoids gaps in authority. If any changes are needed, re-executing the POA with current language and updated agent designations ensures readiness when the agent must step in. Periodic review is a practical step to maintain continuity and alignment with your overall estate plan.
Yes, you can revoke or change your Financial Power of Attorney at any time while you remain competent. Revocation is typically done in writing, and you should notify the agent, successor agents, and any institutions that hold powers under the prior document. Executing a new document that expressly revokes earlier versions is an effective way to update authority and ensure institutions recognize the current directive. It is important to retrieve or inform holders of the prior document and provide copies of the new document to banks, brokers, and advisors. If the principal loses capacity, revocation may not be possible, so timely action during competent periods is essential. Clear communication and documentation prevent confusion about which version is in effect.
A Financial Power of Attorney complements trusts and wills by providing a mechanism for interim financial management while you are alive but unable to act. For example, an agent can manage accounts, pay bills, and transfer assets into a revocable living trust if the POA grants authority to do so. Wills govern distribution at death, while the POA addresses day-to-day management during incapacity. Coordinating these documents ensures consistent handling of assets and minimizes conflicts between trustees, agents, and beneficiaries. When drafting a POA alongside a trust, include instructions regarding funding the trust and interacting with trustees so that the agent’s actions support the overall estate plan. Clear coordination reduces administrative burdens and helps maintain your intended asset management and distribution strategy throughout life and afterward.
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