REVIEW YOUR WISHES: It’s hard. We don’t like to think about it, but all of us are going to drift away someday. And, if you have a will in place, then it makes it so much easier on those who are left behind to know what you wanted done with your estate.

There have been changes in tax laws over recent years that may make it worthwhile to update an existing will. Check with a tax preparer or an attorney if you have specific questions about the financial implications of your estate, including what happens to your retirement funds, as those laws have changed as well and you may want to review your options now.

If you have not drawn up a will, that is the first step in lightening the load — for yourself and your loved ones. Understanding the terms used in estate planning helps get some started.

A will or trust is a written document that distributes your assets to your heirs.

A durable power of attorney (DPOA) gives a person you have named the ability to manage your affairs should you become incapable or incapacitated.

A healthcare proxy allows somebody you designate to serve as your advocate in health-related matters.

An advance directive or living will is a written document or form from a medical facility that lays out the specifics and details of your wishes should you be involved in a medical emergency.

You can do some of these on your own with help from online resources like FreeWill and LegalZoom, or you can hire an estate attorney. The decision for some is based on cost and the value of their estate — choose wisely because it could cost you in the end.