Lots of thinking going on

This afternoon, after lunch with the Monday ladies, I came home to wait for a phone call from a financial adviser. It was time for my review, and I opted to do it over the phone. Much to my embarrassment, my time with Frank was meant to be in person, and not a phone review as had been originally planned. Ugh! After logging in a number of times to access my records, we finally were able to look at things together, each on our own screens. Thankful for modern technology which allows us to do this, miles apart. Glad that's out of the way for another year, or 6 months, whichever comes first (ha ha).

One thing he asked me to think about, however, is a bit upsetting. Not really upsetting, but really gives me pause for consideration. What might be generally simple for some folks seems to cause me angst.  At present my dear boy stands to inherit from me when I shuffle off this mortal coil. I am cool with that, as is he, primarily hoping to live a long time in this condo after I'm gone. But, Frank asked me who gets my stuff, my estate, if something happens to Justin (may the Lord forbid!!!), or if something happens to us when we're together. Gulp! I have been asked to assign a back-up beneficiary(ies) for just such circumstances. Now, I struggle....who or what should I select? This is tough!