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Most retirement planning focuses on building wealth. But what happens when age, illness, or cognitive decline make it difficult, or impossible, to manage your money?

In this episode of The Capitalist Investor, Diamond Hands D is joined by Sam and Jack to talk through one of the most important retirement planning conversations families tend to avoid: how to protect your finances before something goes wrong.

They discuss why cognitive decline is a real concern in retirement, why legal documents need to be handled before they are needed, and how tools like durable power of attorney, trusted contact designations, revocable living trusts, health care proxies, and financial power of attorney can help protect both retirees and their families.

The team also covers practical steps beyond legal documents, including naming beneficiaries, consolidating accounts, creating a financial inventory, automating the right bills, reviewing auto transfers, and making sure someone trusted is watching out for potential fraud or exploitation.

The biggest takeaway: building wealth is only part of the plan. You also need to make sure your family knows where everything is, who can act on your behalf, and what to do if you can no longer make financial decisions on your own.