Major documents every homeowner should create

Without will or power of attorney, distributing assets after death gets tricky

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DEAR BENNY: My aunt, age 83, has no other living relatives than my sister, my two brothers and me. She is completely reluctant to make out any of these documents: a last will and testament, a durable power of attorney, a power of attorney for health, a living will (advanced health-care directive) and a power of attorney for financial matters. I believe she should have them all. Could you tell me the consequences of not having each one of these?