You'd never want to compound your loved ones' misery should you become seriously ill or die, but that's exactly what might happen if you haven't adequately planned for your future care and the distribution of your possessions.

Fewer than half of Americans have drafted a will, and fewer still possess a living will or durable powers of attorney for health care and finances. Do you think you haven't enough money to worry about a will or other end-of-life documents? Think again. Even those with very modest assets need to plan in advance or risk leaving their family and friends with a legal nightmare to sort out.

Here are several documents to consider, depending on your age, health, financial situation and family status:

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