Certified financial planner Sean Fletcher of San Francisco knew his dad had an estate plan, complete with a health care directive detailing what medical treatment should be given in an emergency. When the father had a massive heart attack, though, no one knew where he kept those documents.
Fletcher's family was lucky: An aunt found the paperwork in a closet. His mother was able to stop treatment according to his father's wishes so that he could die more peacefully.
"Despite her misgivings, I believe this minor miracle gave my mom the confidence to carry out what she had agreed to do," Fletcher says.
It's not enough to be organized and responsible. We need to think about who will be responsible next. Fortunately, there are several sites that can facilitate that transition for our aging parents — and also for ourselves.
In fact, the best way to introduce these sites to your parents may be to use them yourself. That way, you'll be familiar with how they work and can vouch for their helpfulness in getting information to the people who will need it.
WHEALTHCARE
Whealthcare was co-founded by two people who specialize in the areas where health care meets finances: physician-turned-financial-planner Carolyn McClanahan and software developer Chris Heye, whose other company, Cogniscient, develops cognitive and behavioral assessments to aid older people in making sound financial decisions.
Users answer questions on the Whealthcare site, and these assessments are used to create a "financial caretaking plan" that identifies the issues they're likely to face as they age. The service also provides a transition plan that allows trusted people to take over and a customized to-do list to make sure crucial documents are in place. (Powers of attorney allow others to make vital decisions if we're incapacitated, for example, and health care directives spell out what life-prolonging measures we do and don't want.)
Another assessment gauges a person's risk for fraud, exploitation and bad financial decision-making, and offers recommendations for protecting against those threats. A "proactive aging plan" helps people prepare for transitions in living arrangements, driving and health care decisions, allowing them to document their wishes. A feature called WhealthcareConnect can match people to financial advisers who specialize in issues facing older adults.
The annual cost is $39 for one individual plan, $69 for a couple and $149 for a family plan that includes up to five people.
EVERPLANS
Everplans is an online vault where you can store important documents, contacts, login credentials, instructions on what to do with your social media sites and anything else your family might need to know to handle your affairs. The site offers step-by-step guidance to identify and organize your important information, from insurance policies to pet care plans. If you're not comfortable uploading something to the site, you can leave instructions to help your family find what they need. You name "trusted deputies" and decide what they can access on the site, and when. You might give one deputy (say, your spouse) access to all the documents while another (perhaps your executor) gets access only after your death.
The service costs $75 per year.
EVERSAFE
EverSafe monitors financial accounts for unusual activity, large transactions and other potential problems. The site alerts you via email, text or automated phone call and can be set up to signal trusted others, as well.
The basic service, which costs $7.49 per month after a 30-day free trial, monitors bank and credit card accounts and the dark web, where your personal information may be for sale. For $14.99 per month, you can add credit monitoring. For $24.99, the site will monitor investment accounts as well. An additional $4.99-per-month service monitors your home and other real estate for new liens or defaults on your property.
I found the dark web monitoring particularly interesting and was surprised at how many of my passwords had been exposed in various breaches. It was good motivation to change my passwords — and to make sure my trusted deputies could access the new ones. Because protecting all my information and accounts won't do much good if my family can't find what they need when I'm gone.
This column was provided to The Associated Press by the personal finance website NerdWallet. Liz Weston is a columnist at NerdWallet, a certified financial planner and author of "Your Credit Score." Email: lweston@nerdwallet.com. Twitter: @lizweston.
RELATED LINK:
NerdWallet: What is a power of attorney? http://bit.ly/nerdwallet-explains-power-of-attorney
VENICE. Italy (AP) — Jeffrey Gibson’s takeover of the U.S. pavilion for this year’s Venice Biennale contemporary art show is a celebration of color, pattern and craft, which is immediately evident on approaching the bright red facade decorated by a colorful clash of geometry and a foreground dominated by a riot of gigantic red podiums.
Gibson, a Mississippi Choctaw with Cherokee descent, is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. For context, the last time Native American artists were included was in 1932.
Gibson, 52, accepts the weight of the honor, but he prefers to focus on how his participation can forge greater inclusion going forward.
“The first is not the most important story," Gibson told The Associated Press this week before the pavilion’s inauguration on Thursday. “The first is hopefully the beginning of many, many, many more stories to come."
The commission, his first major show in Europe, comes at a pivotal moment for Gibson. His 2023 book “An Indigenous Present" features more than 60 Indigenous artists, and he has two major new projects, a facade commission for the Metropolitan Museum of Art in New York and an exhibition at the Massachusetts Museum of Contemporary Art.
Gibson’s eye-catching exhibition titled “the space in which to place me," features text in beadwork sculptures and paintings taken from U.S. founding documents, music, sermons and proverbs to remind the viewer of the broken promises of equity through U.S. history. The vibrant use of color projects optimism. In that way, Gibson’s art is a call to action.
“What I find so beautiful about Jeffrey’s work is its ability to function as a prism, to take the traumas of the past and the questions about identity and politics and refract them in such a way that things that realities that have become flattened … can become these beautiful kaleidoscopes, which are joyous and celebratory and critical all at the same time," said Abigail Winograd, one of the exhibition’s curators.
“When I see people walk through the pavilion and kind of gasp when they walk from room to room, that’s exactly what we wanted," Winograd said.
Entering the pavilion, the beaded bodices of sculptures in human form are emblazoned with dates of U.S. legislation that promised equity, the beading cascading into colorful fringe. A painting quotes George Washington writing, “Liberty, when it begins to take root, is a plant of rapid growth," in geometric letters that meld into a colorful patterned background.
By identifying specific moments in U.S. history, Gibson said that he wants to underline that “people who are fighting for equity and justice today, we’re not the first.
“This has been a line in the history of American culture. But I’m hoping that people will think about why … some of these things … have either been revoked or have not come into fruition,” he said.
Craft is at the center of Gibson’s art, both in defiance of past denigration of craft and as a way to confront “the traumatic histories of Native American people,” he said.
“There is something very healing about the cycle of making," Gibson explained.
The pavilion’s intricate beaded sculptures owe a debt to Native American makers of the past without imitating them, employing couture techniques to create something completely new. In the way of his forbears, Gibson uses beads sourced from all over the world, including vintage beads from Japan and China, and glass beads from the Venetian island of Murano.
Paper works incorporate vintage beadwork purchased from websites, estate and garage sales in mixed media displays that honor the generations of Native American makers that preceded him.
Gibson's themes fit well into the message of inclusion of the main Biennale exhibition, titled “Stranieri Ovunque -- Strangers Everywhere,” which runs in tandem with around 90 national pavilions from April 20-Nov. 24.
His personal history has placed him firmly in what he calls the “diasporic history of Indigenous people.” His father's job took his family abroad when he was a child to Germany and then South Korea, and he later studied in Chicago and London. His partner is Norwegian artist Rune Olsen.
Through all of this, Gibson has picked up traditions and practices that go beyond his Indigenous background.
“I’ve looked at op art, pattern and decoration. I've looked at psychedelia, I have taken part in rave culture and queer culture and drag and the whole spectrum," Gibson said.
"And so for me, I would not be telling you the whole truth if I only chose to spoke about indigeneity. But my body is an Indigenous body — it’s all funneled through this body,'' he said. ”And so my hope is that by telling my experience, that everyone else can project their own kind of intersected, layered experience into the world.”
Artist Jeffrey Gibson, right, poses with artist Mark Bradford at the U.S. pavilion during the media open day at the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Visitors look at sculptures on display inside the US pavilion by artist Jeffrey Gibson during the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Visitors look at sculptures on display inside the US pavilion by artist Jeffrey Gibson during the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Visitors look at sculptures on display inside the US pavilion by artist Jeffrey Gibson during the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Visitors look at sculptures on display inside the US pavilion by artist Jeffrey Gibson during the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
From left, Curator Abigail Winograd, artist Jeffrey Gibson, and Curator Kathleen Ash-Milby pose at the US pavilion during the media open day at the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
From left, Curator Abigail Winograd, artist Jeffrey Gibson, and Curator Kathleen Ash-Milby pose at the US pavilion during the media open day at the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Artist Jeffrey Gibson poses at the US pavilion during a media open day at the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Artist Jeffrey Gibson, right, poses with artist Mark Bradford at the U.S. pavilion during the media open day at the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Artist Jeffrey Gibson, right, hugs artist Mark Bradford at the U.S. pavilion during media open day of the 60th Biennale of Arts exhibition in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
Artist Jeffrey Gibson poses inside the US pavilion during the media open day at the 60th Biennale of Arts in Venice, Italy, Tuesday, April 16, 2024. A Mississippi Choctaw of Cherokee descent, Gibson is the first Native American to represent the United States solo at the Venice Biennale, the world’s oldest contemporary art show. Gibson mixes Western modernism and Native American craft in his vibrantly hued paintings and sculptures. (AP Photo/Luca Bruno)
