Will

Hello, I have and older aunt who is beginning to think about end-of-life issues and is planning to move into an assisted living community. She has no family nearby and is trying to do everything on her own, which is daunting. I want to guide her as she thinks about how to downsize her life and deal with her affairs in a way that makes sense for her. She doesn't have much in assets -- just a house that she financed with a HUD loan that she will have to sell before she can move. She is planning to hire a lawyer to get a will together, but I don't know if it will be worthwhile for her to spend the money to do that, given how little she has. Suzanne, Billings, MT

My husband and I are late-in-life parents (he is 59 and I am 49) and we have a 1-year-old -- the absolute JOY of our lives. She is the only child for both of us and I am wondering about what you would suggest as the most cost-effective way to save for her future? Kathleen, Fergus Falls, MN

I have a niece and nephew in their early 20s who have both recently started their own families. I know they do not have a will, advanced directive or a living trust because they are intimidated by the idea and cost of hiring an attorney to draw up the paperwork. Instead of a gift card this year, I would love to help make sure their assets and children are protected. Is there an easy/affordable product or site online I can use to help get them situated? Jeff, Cincinnati, OH