Subject:   	Wills and Such
From:   	erika.pratt@zoetis.com
Date:   	Sun, February 1, 2015 4:44 pm
To:   		paul@cim.mcgill.ca
Hi Dad,
I promised mom I would send her an e-mail via you outlining
what we discussed in terms of the will and several decisions
she/you are both is going to have to make
on February 16th.
I know I have said that I will be OK with whatever you both
decide regarding the allocation of your assets and that remains
true. However, I don't want that misunderstood as passivity or
not caring or needing an extra cushion.  Both Michael and I
have worked very hard and been responsible with money and we
have been fortunately to have well-paying jobs.
Regardless of our jobs over our careers, we have saved and
prepared for our own retirement. We pay off debt as soon as
possible and we currently have a mortgage for the house. We
hope once we have paid it off to be able to make several
renovations which will be a substantial outlay in money.
And there is always the possibility that Michael and I will
have to be responsible for Stuart - If he falls into destitution
despite the bequests he will receive, like you both, I doubt I
will be able to refuse to help him, even if it were a hardship
for Michael and me.  Having some type of buffer for that
likelihood/possibility would actually help me psychologically.
As to the will there are 3 decisions that I think mom (and you
will need to make):
o   Medical advocate in the case mom cannot be her own advocate:
o   Financial advocate in the case mom cannot be in charge of her
finances:
o   Need someone in Quebec
o   The purpose of this person is only to carry out the desires
of the deceased
o   They are paid an hourly fee
As for the actual will itself, this is up to mom (and you). 
Several suggestions:
o   50% Stuart
o   50% Erika

o   30% Stuart
o   30% Erika
o   10% Joey
o   10% Nathan (in trust until 21 years)
o   10% Gabriele (in trust until 21 years)
o   5% Loreen
o   5% Claudia
Whatever Stuart receives, you may want to consider placing in
some type of trust that cannot be depleted over a short time
frame.
Dad if you are struggling with the same issues, Love you both.
And thank you for getting this done.  Amendments can always be
made but at least you have something in place that you believe
in.
You may only want to print out part of this for mom but I will
leave that up to you.
Erika