A Roadmap for Your Family

A will is an essential legal document that describes how your estate should be distributed upon your death. It is the basis for the probate process and can serve as a guide for your heirs. A letter of instruction has no formal legal status, but it could be just as important as a will in helping your loved ones settle your estate and move forward with their lives. Think of it as a roadmap for your family, providing information about the steps they should take during a difficult time.

Unlike a will, which must follow legal guidelines and may require an attorney, a letter of instruction can be written by you in any way you choose. Here are some topics you may want to address.

Financial accounts and account numbers, including online usernames and passwords. If you prefer not to write down login credentials, the executor of your estate should be able to access accounts using the account numbers and your Social Security number.

List of documents and their locations, including (but not limited to) your will, insurance policies, tax returns, bank and investment account documents, real estate deeds and mortgage documents, vehicle titles, Social Security and Medicare cards, marriage and/or divorce papers, and birth certificate.

Contact information for professionals who handle your financial and legal affairs, such as your attorney, financial professional, insurance agent, and accountant. Also include others who may be helpful, such as a business partner or trusted friend.

Bills and creditors, including when payments are due and other pertinent information, such as loan terms and balances as of the date of the letter.

Your final wishes for burial or cremation, a funeral or memorial service, organ donation, and charitable contributions in your memory.

You might also include more personal thoughts or life lessons that you want to pass on, or you could write a separate letter. Keep your letter of instruction in a safe, yet accessible place and tell your loved ones where it can be found. Be sure the executor of your estate is aware of the letter; it might also be wise to give the executor a copy for safekeeping.

It’s important to review your letter of instruction regularly and update it as appropriate. Your heirs will thank you for taking the time to prepare.

This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2026 Broadridge Financial Solutions, Inc.