@calmmoneycoach: 4 estate steps that keep your family from guessing, rated good or bad. Format borrowed from Josh Gillam (@gillamfitness). 1. A will. Without one, your province decides who gets what, and in Ontario a common-law partner gets nothing automatically. 2. Powers of attorney, 1 for money and 1 for health. 3. Beneficiaries on your RRSP, TFSA and life insurance. The money skips probate. 4. Check your forms. An ex still listed, or a marriage that cancels an old will, causes trouble. 5. Adding a kid to your bank account to skip probate is usually a bad idea. Free guides and calculators at calmmoneycoach.com #estateplanning #canada #wills #personalfinance #moneytips