Creating a Thoughtful Letter of Instruction

When it comes to estate planning, legal documents like wills and trusts often take center stage. But there’s another, often overlooked, tool that can make a world of difference for your loved ones: the letter of instruction.

Though not legally binding, a letter of instruction serves as a practical and deeply personal guide for your family and appointed executor. It helps ensure your wishes are understood and followed, minimizing confusion, reducing disputes, and offering comfort during a difficult time.

What Should Be Included?

A well-crafted letter of instruction should cover several key areas:

1. Documents and Assets

Start by listing the location of your essential estate planning documents—your will, powers of attorney, trusts, living wills, and health care directives. Also include personal records like your birth certificate, marriage license, and military paperwork.

Then, create a detailed inventory of your assets. A spreadsheet works well for this. Be sure to include:

• Bank accounts (checking, savings)
• Retirement plans and IRAs
• Insurance policies (health, life, disability, business)
• Investment accounts (stocks, bonds, mutual funds)
• Outstanding liabilities (mortgages, loans, debts)

2. Digital Assets

In today’s digital world, access to online accounts is crucial. Your letter should include usernames and passwords for:

• Financial accounts
• Social media profiles
• Key websites and digital tools

3. Funeral and Burial Preferences

If you’ve made funeral arrangements, spell them out. If not, share your preferences—burial or cremation, who should deliver your eulogy, music selections, and the setting. This guidance can be a tremendous relief to grieving family members.

4. Key Contacts

List the names and contact details of professionals involved in your financial life—your attorney, CPA, financial planner, insurance agent, and stockbroker. Also include anyone you’d like notified upon your passing.

5. Charitable Wishes

If you’d like donations made in your memory, include the organizations and any specific instructions.

Adding a Personal Touch

Beyond logistics, a letter of instruction is your opportunity to speak from the heart. Use it to:

• Explain decisions made in your will
• Share personal messages with loved ones
• Express your values, hopes, and legacy

This emotional context can be just as valuable as the legal documents themselves.

A letter of instruction is a simple yet powerful way to bring clarity, comfort, and compassion to your estate plan. It bridges the gap between legal formality and personal intention, ensuring your voice is heard even when you’re no longer here.