Crisis preparedness creates stability in uncertain moments. Prepared does not have to be complicated.

Here’s a checklist:

Family Communication Plan

  • Identify 2 emergency contacts (one local, one out-of-state)

  • Establish a meeting place if separated

  • Make sure all family members know:

    • Key phone numbers

    • Where to meet up if calls fail

  • Create a simple “Where do we go? Who do we call?” plan

Why: During a crisis, communication is often the first challenge

Important Documents (Accessible + Secure)

  • Store copies of:

    • IDs (driver’s license, passport)

    • Insurance policies

    • Estate documents (will, POA, healthcare directive)

    • Financial account list

  • Keep documents:

    • Digitally (secure cloud or encrypted storage) —> financial advisors often provide a secure system for storage of documents

    • Physically (fireproof/waterproof safe)

  • Ensure a trusted person knows how to access them

Financial Preparedness

  • Keep an emergency fund (3–6 months of expenses)

  • Maintain access to:

    • At least one backup bank account or credit card

    • Set up account alerts for unusual activity

    • Know how to access accounts without your primary device

  • Liquidity + access matter more than investment performance in a crisis

Identity & Cyber Protection

  • Enable multi-factor authentication (MFA) on key accounts

    • Use a password manager

  • Place a credit freeze with:

    • Equifax

    • Experian

    • TransUnion

  • Know how to report fraud at:

Home & Physical Safety

  • Maintain basic emergency supplies:

    • Water (3+ days)

    • Non-perishable food

    • Flashlights + batteries

    • First aid kit

  • Know:

    • How to shut off utilities (water, gas, electricity)

    • Evacuation routes from your home

  • Maintain/regularly check:

    • Fire extinguishers

    • Smoke + CO detectors

Evacuation & Mobility Plan

  • Keep your vehicle:

    • At least ½ tank of gas

    • Prepare a small “go bag” with:

    • Medications

    • Copies of documents

    • Phone charger

    • Cash

  • Identify:

    • 2–3 evacuation routes

    • Nearby safe locations (family, hotel, shelter)

Family & Dependent Planning

  • Plan for:

    • Children

    • Aging parents

    • Pets

  • Document:

    • Medications

    • Care instructions

    • Emergency contacts

  • Ensure caregivers know your plan

Recovery & Continuity Plan

  • List key contacts:

    • Financial advisor

    • Insurance agent

    • Estate Attorney

    • Employer

  • Understand your insurance:

    • Homeowners / renters

    • Health

    • Disability

    • Umbrella

  • Keep a simple checklist:

    • “What do I do first if something happens?”