The 3gifts explained

A time to live and a time to die.

Ecclesiastes 3:2 


The gift of Love and Gratitude.

When we die we take with us the only thing our loved ones really want- ourselves.~C.Andrew

A spiritual, ethical or legacy will is really a love letter to ones family. To create one start by thinking of the person or people you are writing to.Write to who matters most to you. It may be helpful to organize your thoughts by answeringfour questions:

  1-What have you taken for granted?

  2-What will you miss?

  3-What are you grateful for?

  4- What have you valued most?

   Remember what you write will affect those reading it and carefully weigh your words.

For more information on Legacy writing please visit the links page.




The gift of Fnancial Organization           

 Every adult should have three things financially organized:

 1-Term life insurance 8-10 times your income.

 2-A will that is state specific and notarized.

 3-Important documents organized and clearly marked in order that anyone can find them in less than a minute.


 Financial education is not the norm in our society today.  Every adult should educate themselves on finances and financial security, but also to think of their family in the future. You can find this information and more on Please see the links page for more information.

 Everyone should have organized in one place their life insurance, a legal will and other important documents which include: Any investment documents, insurance information or policies, passwords or pin numbers, deeds, birth certificates, social security cards, legacy letters, and a living will or advanced directives. 




The gift of Knowledge of your Wishes

If you should become ill and unable to communicate, does your family know your wishes? To make it easier ask yourself three questions:

1. What are your fears?

2. What are your goals?

3. What tradeoffs are you willing to make (to possibly live longer?)

 The third gift is similar to a living will or advanced directives. Atul Gwande, a physician and writer, states that in the past when someone became ill they either got well, or they didn't. In modern times, for most people, death comes often after a long struggle with an incurable condition and though death may be certain, the timing isn’t. A Conversation has to take place so your loved ones understand the answers you as an individual would give to the above three questions. In studies of terminal patients two thirds have had no discussions of end of life care- without this discussion it is much more likely that the person will die in a hospital or ICU than at home. Furher more, studes have shown that 6 months following the death of a family member in the hospital, families are more likely to be still suffering increased depression.

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