A Power of Attorney (POA) lets someone make decisions for you if you can’t.

There are financial POAs, medical POAs, or both. This person can pay bills, manage investments, or make healthcare choices on your behalf.

Without a POA, your family might need a court-appointed guardian, which can be expensive and time-consuming.

Naming a trusted person in advance avoids stress and keeps your affairs in capable hands.

Tip: Make sure your POA documents are clear, updated, and stored safely. Discuss your wishes with the person you appoint so they know what’s expected.