In estate planning, a Power of Attorney (POA) lets someone you trust step in and make decisions on your behalf if you're ever unable to. It’s a practical tool that helps keep life moving — without court delays, guesswork, or confusion.
There are two main types:
Financial Power of Attorney (FPOA)
This document authorizes someone to handle financial and legal matters for you if you're unavailable or unable to act. That can include:
Paying bills and managing accounts
Handling taxes or insurance
Making legal or business decisions
You stay in control while you're able — and your agent steps in only when needed. You can name one primary agent and up to three backups.
Real-world example: David travels internationally for work. While abroad, his agent used the Financial POA to sign tax documents and pay a property bill on his behalf — saving him time and avoiding late penalties.
Healthcare Power of Attorney (HPOA)
This document authorizes someone to make medical decisions on your behalf if you can’t make them yourself. It only becomes active if a doctor determines that you’re unable to communicate your own healthcare wishes.
You can name one primary agent and up to three backups.
Real-world example: Samantha was unconscious after an accident. Her sister, named as her healthcare agent, used the HPOA to approve a surgery the doctors recommended — ensuring care continued without delay.
Why These Documents Matter
Life is unpredictable. Powers of Attorney make sure the right people can step in quickly, legally, and clearly — whether it’s to pay a bill or make a medical choice.
You’re not handing over control — you’re building a safety net.
Who Should You Choose?
Pick someone:
You trust fully
Who understands your values
Who’s willing to act when the time comes
These roles carry real responsibility — and can make a meaningful difference in stressful moments.
Important: A POA agent must be at least 21 years of age.