The last love letter

Feel free to reach out to PSG Wealth Adviser  Chrisley Botha  directly.

That’s why I like to frame a will as exactly this: the last love letter you’ll ever write to your family.

Think about it. A love letter is written with care. It carries your voice, your thoughts, and your deepest intentions. A will does the same thing – it tells your loved ones what matters most to you and how you want to protect them, even when you’re not there anymore.

A tale of two families

I once heard of two families who faced very different situations after a loved one passed away.

The first had no will in place. What followed was confusion, conflict, and endless paperwork. Siblings fought over who should get what, bank accounts were frozen, and the surviving spouse was left scrambling to cover bills. Instead of grieving in peace, they were burdened with stress and resentment.

The second family had a clear, updated will. Their loved one had taken the time to outline everything: who inherits what, guardianship for the children, and even funeral wishes. There were still tears – of course there were – but there was also relief. Their grief wasn’t overshadowed by financial chaos. Their parent had left them with clarity, not confusion.

Your love letter, in practice

Think of your will as your love letter to your family. It says:

• “I don’t want you to carry unnecessary stress.”
• “I’ve made the hard decisions, so you don’t have to.”
• “I want you to feel my presence even in my absence.”

It doesn’t have to be perfect, long, or fancy. It just has to exist – and comply with legal requirements.

Think of it this way: when you put your wishes on paper, you’re not just protecting your assets – you’re protecting relationships. You’re sparing your loved ones from arguments, uncertainty, and painful decisions.

The emergency file: A companion to your love letter

Over the years, I’ve also seen how powerful it is to have everything organised in one place. That’s why I’ve drafted an Emergency File Template. It pulls together all the essentials your loved ones would need in a crisis: from your will, ID documents, and policies, to practical details like who to call, where to find things, and what to do next.

Think of it as the envelope that holds your last love letter and all the tools your family will need to navigate life without you. Instead of being lost in paperwork, they’ll have everything at their fingertips. If you’d like a copy, feel free to reach out – I’d be more than happy to share it with you.

Stop waiting for “The right time”

Here’s the thing: life rarely gives us a perfect moment to sit down and draft a will. We’re all busy. We tell ourselves, “I’ll get to it next month,” or “once things settle down.” But none of us knows what tomorrow holds.

The best will is not the perfect one – it’s the one you’ve signed and put in place. You can always update it later as your life changes. What matters is that you’ve taken the first step.

Your will isn’t about death. It’s about life.

It’s about the lives of those you love most. It’s your chance to give them clarity, comfort, and care long after you’re gone.

So, write your last love letter today. Because the most powerful message you can leave behind is this: “I thought of you. I prepared for you. And I loved you enough to make sure you’re taken care of.”