You Love Them, But Have You Protected Them?

Dear Live Rich Family,

Welcome, welcome, welcome. Whether you’ve just joined our Live Rich Retire Rich circle or you’ve been rocking with me since day one, I’m honored to be in your inbox. With a recent wave of new subscribers (hi, radiant souls!), I want to take a moment to reintroduce myself.

I’m Najma Zanelli, founder of NAZ Global, author of MRS Independent, certified life and business coach, and fellow seeker of soulful success. I write this newsletter not as a financial guru in a pinstripe suit, but as a person who has walked through fire, rebuilt after burnout, and turned chaos into clarity. This space is a sacred intersection of money, relationships, and spirituality — because your richest life requires all three to be in harmony.

So no, this isn’t just about retirement accounts and trust funds. It’s about legacy. It’s about what you leave behind, and how you live while you're still here.

Today, we need to discuss something that most people avoid until it's too late.

You Say You Love Them? Then Protect Them.

Listen. I know you love your partner. Your kids. Your aging parents. Your chosen family. However, if you haven’t put your four must-have documents in place, you are leaving them unprotected.

Let me be blunt. Love is not just what you say. It’s what you do.

The Four Must-Have Documents:

  1. A Will

  2. A Living Revocable Trust

  3. A Financial Power of Attorney

  4. A Durable Power of Attorney for Health Care

Without these, your family could end up:

  • Fighting in court

  • Delayed in accessing your accounts

  • Paying thousands in probate costs

  • Making medical decisions blindly

And if you think this only applies to the ultra-wealthy, let me stop you right there.

The less you have, the more essential these documents become.

Because a few thousand in savings, a modest home, or even just your digital accounts still matter.

Let’s Break It Down

A Living Revocable Trust

Don’t let the word “trust” intimidate you. This isn’t some elite Wall Street jargon. This is your protection plan.

With a Living Trust:

  • You stay in full control while you’re alive.

  • You can change your mind anytime.

  • Your family can avoid probate, which can save time, money, and energy.

It also lets someone you appoint step in and manage your affairs immediately if you're incapacitated.

True story: Back when I worked in health insurance, a member’s daughter flew in from another state to care for her mother—only to find her in a coma. With no Power of Attorney or written wishes, she was denied access to medical records and doctors. Already overwhelmed, she now had to navigate red tape, alone and unsure. I’ll never forget the helplessness in her voice. Thankfully, our sales office was able to pull some strings and expedite her case—but that was pure luck, not the norm. If not for you, do it for your loved ones—so they know your wishes and can make the right decisions, guilt-free.

This is avoidable. 

This is avoidable. And it starts now.

A Will: Still Essential

Don’t make the mistake of thinking a Will is enough. It’s necessary, but not sufficient.

Your Will:

  • Lets you name guardians for minor children

  • Specifies how assets are distributed

  • Can express your funeral wishes

BUT… it only activates after you die, and it still goes through probate unless paired with a trust.

If you’re a caregiver or just someone who cares about how you’re remembered — this is your wake-up call.

Power of Attorney (POA) for Finance and Health

These are the documents that speak when you can’t.

  • The Financial POA allows someone to pay your bills, manage investments, or access your bank accounts.

  • The Durable Health Care POA lets someone advocate for your medical care if you’re unconscious or mentally unable to decide.

Imagine your sibling fighting with your spouse over a medical decision. Now imagine it settled with love and peace because you wrote it down.

The Spiritual Wealth Angle

I always say: Money is not just a currency. It’s energy.

How you organize it, give it, and pass it on says everything about your values.

Creating your estate documents isn’t just legal housekeeping. It’s spiritual stewardship. It’s saying:

  • "I take responsibility."

  • "I choose peace for my family."

  • "I leave a legacy with intention, not confusion."

This is where Vishen Lakhiani’s vision meets my vibe: We design our futures by how we show up now. Conscious life. Conscious wealth. Conscious legacy.

For My Tech-Driven Readers

I know many of you are forward-thinking and tech-savvy. You thrive on data, you love to explore tools, and you want to optimize everything — including your estate planning. Here are some digital resources to help you get started:

  • Trust & Will (https://trustandwill.com): User-friendly digital platform to create trusts, wills, and guardianship docs.

  • Nolo (https://nolo.com): Offers DIY legal documents, articles, and attorney directories.

  • Everplans (https://everplans.com): A platform to organize all life and legacy plans in one digital vault.

  • Wealth.com and Fabric by Gerber Life: Easy interfaces to draft legal documents, especially for parents.

  • ChatGPT & AI tools: Use AI (yes, like me!) to help research state-specific estate planning laws, explain legal terms, and brainstorm important decision-making frameworks before consulting an attorney.

As an AI-driven consultant, I encourage you to use the best of both worlds: high-tech tools and high-touch coaching. If you’re someone who prefers a personal, human-first approach and wants help cutting through the overwhelm, schedule a Power Hour with me. We'll deep dive into your unique situation, map out next steps, and get clarity fast. You don’t have to do this alone.

Click here to book your Power Hour now. Research. Decide with heart. Implement with intention.

Quiz Time 🤔 (Answers at the End)

Let’s see how estate-smart you really are.

1. What does “revocable” in a Living Trust mean? A. You can cancel or change it any time
B. It’s only valid if notarized
C. It replaces your Will completely

2. Which of these documents helps during incapacity? A. Will
B. Trust
C. Both B & D
D. Financial and Health Care POA

3. True or False: Probate court is optional if you have a Will.

4. What is one reason people, especially women, need to prioritize estate planning? A. We live longer
B. We’re often caregivers
C. We’re building more wealth than ever before
D. All of the above

Action Steps You Can Take This Week

  1. Download a free checklist for estate planning (I’ll include one in next week’s issue).

  2. Have a family meeting. Start the conversation about trusts and POAs.

  3. Book a consult with an estate attorney. Or use platforms like Trust & Will or LegalZoom to get started.

  4. Join my next coaching circle. (Sign Up here for the Fall Cohort) We’ll walk through this step-by-step together.

Final Word: This is Love Work

We are natural givers. We nurture, we lead, we serve. But what we often don’t do?

Protect ourselves.

I don’t want your kids or your partner or your best friend wondering what to do while grieving you. I want them wrapped in your love, even when you’re not here. That’s what legacy looks like.

So let’s live rich. And let’s retire rich — emotionally, spiritually, and financially.

QUIZ ANSWERS:

  1. A

  2. C

  3. False

  4. D

With fierce love,
Najma Zanelli
Book A Private Call
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Founder, NAZ Global Consultancy
Email: [email protected]

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Book a free clarity call with me and let’s create your rich life roadmap.

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