Buying a home is one of the biggest financial moves you'll make. You hired a realtor, worked with a lender, sat through the inspection, and signed a stack of closing documents. There's one step most buyers skip: making sure the home is properly tied into an estate plan. If something happens to you - an accident, a serious illness, an unexpected death - what happens to the house? Who makes decisions? Who inherits it, and how smoothly does that process go? An estate plan answer

Most people hear "estate planning" and picture a stack of legal documents. Wills, trusts, powers of attorney - the usual. And yes, those are the backbone. But if your plan is nothing but legal paperwork, it's doing the bare minimum. Your estate plan should reflect who you actually are. Not just your assets and your beneficiaries, but your values, your reasoning, your relationships. The legal documents handle the mechanics. The pieces below handle everything else. Here are six