Life may be unpredictable, but being prepared can make tough times easier for your loved ones. Organising important documents and sharing your wishes shows care and responsibility. It also helps ensure your plans are followed and reduces stress for your family. Here’s how to get started.

Store important documents

Keeping important documents safe and easy to access is essential. If they’re hard to find, your family could struggle to manage things during an emergency. Taking time to organise now will save frustration later.

Here are some ways to safely store your documents:

• Cloud storage: Save your files online with a trusted provider. Use a strong password and encrypt sensitive information for extra security.
• External hard drive: Use a hard drive as a backup. Keep it in a safe spot and update the files regularly.
• Home safe: Store critical documents, like your Will and ID, in a fireproof and waterproof safe. Share the code with someone you trust.
• Lawyer or adviser: Store documents with your lawyer or financial adviser. Let your family know who to contact in an emergency.
• “Green Box”: Keep all documents together in a box or lockable cabinet for easy access.

Essential documents to organise and store include:

• Your Will and Power of Attorney
• Property title deeds
• Copies of ID (passport, driver’s license, birth certificate)
• Contact details for your doctor, lawyer, accountant, and mortgage adviser
• Bank account information and online passwords
• Medical records and organ donation instructions
• Guardianship plans for minor children
• Life insurance and superannuation details
• Burial or funeral instructions
• Personal letters for loved ones

Review and update regularly

Organising your documents is the first step. Life changes, such as marriage, a new baby, or buying property, can make some information outdated. Keep your records accurate by:

• Reviewing your documents once a year, like when filing taxes or renewing insurance.
• Using a checklist to track what needs updating.
• Sharing updates with key people, such as your lawyer or financial adviser.
• Replacing old versions with the latest ones.

Leave clear instructions

Make sure your loved ones know where to find your documents and how to access them. Share passwords and details with a trusted family member, lawyer or adviser. Clear instructions can prevent confusion, delays and stress during a difficult time.

Get organised today

No matter your age or situation, organising your affairs is essential. Ensure your family know where to find things in an emergency. For more advice on financial planning or property matters, contact a mortgage adviser.