It’s the holiday season, and the time of year when many get themselves into trouble by spending excessively through the use of credit cards; only to have problems paying off those cards or even making the required payments in the coming year.

The best way to make sure assets go to the right people is to list them as beneficiaries.  By law, the beneficiaries designated for an account or policy will receive the assets in that account or payable under that policy upon your death.

As the saying goes, the only two certainties in life are death and taxes.  Unfortunately, both are inevitable and unavoidable. If you plan properly, however, you may lessen the hardship on those you leave behind.   Since none of us know when our time will arrive--whether you are 35, 55, or 95 it is important you leave instructions.