If you’re single and just starting out, you may be wondering if you even have an “estate” to be concerned with. The answer is yes. If you own clothing, you have an “estate”.  When there is no spouse or child involved, there is greater concern about where your belongings or property will end up when you die. And who will make decisions for you if you become temporarily or permanently disabled? These considerations are also important if you are single and established. If you don’t plan for that, you are giving up your right to choose and leaving it to be determined by state law. You may not be happy with those results. Read on to see what planning is recommended for all individuals.

Power of Attorney for Healthcare:

Under this document, you name a trusted individual to act as your agent. Your agent will have the authority to act on your behalf in situations where you are incapacitated either temporarily or permanently. The document will express your preferences in regard to organ donation and life support, which will serve as a guide to the appointed agent. Medical doctors and hospitals will look to the appointed agent to make decisions concerning medical treatment and care. Everyone over the age of 18 should have a current Power of Attorney for Healthcare.


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Power of Attorney for Property:

Under this document, you name a trusted individual to act as your agent. Your agent will have the authority to act on your behalf in regard to financial matters. That authority can, but is not always, limited to times when you are unable to take care of your own affairs. Your agent will be able to pay your bills, manage your finances, investments, real estate and other property on your behalf. The powers can be as broad or limited as you are comfortable with. Every adult should consider having a current Power of Attorney for Property.

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Plan for the unthinkable! If something happens to you, what will happen to your property? Leaving the distribution of your assets and personal property unplanned can have unintended results. Every Will allows you to choose the persons that will benefit from your assets and appoint the person that will handle your estate.

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Pet Trust:

You may currently enjoy the company of a pet. What will happen in the event you are unable to care for your pet?  Planning for the care of your pet will ensure that this important companion will live out its life with the care and comfort you intended.

Learn more about Pet Trusts >

Beneficiary Designations:

Naming beneficiaries and contingent beneficiaries of your life insurance, retirement plans, stocks, investments, real estate or any other accounts or property is important. Leaving these designations unspecified, or naming a minor child directly, may have unintended consequences. It is recommended that all designations be carefully considered and chosen by the account holder.

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Contact Us

Semmelman & Semmelman, Ltd.

900 North Shore Drive

Suite 250

Lake Bluff, IL 60044

Phone: 847-234-4438

Fax: 847-234-4674





Other Considerations




In a Relationship

Your Business

Loss of Spouse or Parent

Purchase/Sale of Home

The Golden Years

Going on Vacation


Remarriage/Blended Family

Do I need to protect myself?

Semmelman & Wisneski, Ltd. serves clients in Illinois such as Lake Bluff, Lake Forest, Libertyville, Vernon Hills, Highland Park, Mundelein, Gurnee, Grayslake, Wadsworth, Ingleside, Antioch, Wauconda, Lake Zurich and the rest of Lake County.


Regional Nicknames: Lake County, Illinois


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