Q: What are the basic estate planning documents everyone should have? – K.M., Orlando

A: Everyone should have a Last Will and Testament, Durable Power of Attorney, Health Care Surrogate, Living Will, and Preneed Declaration of Guardian. Depending on your personal and financial needs, trusts may also be needed. Consult with an estate planning attorney to build a customized plan. – Derrick Chandler

Q: I have two small 401(k) accounts at my previous employers that I have never moved. Should I move them to my current employer’s 401(k) plan or roll them to an IRA? – B.A., Oviedo

A: You should look to consolidate them so that you have the same asset allocation you are comfortable with, and it may even save you some small fees from the prior employer plans. You should consolidate them to investment platform that you are most comfortable, whether it is an IRA or your 401(k) plan. –  John Cash III

Have a question? E-mail askanexpert@fpafla.com. Include your name (only your initials will be printed), hometown and phone. Questions are answered by Certified Financial Planners from the Financial Planning Association of Central Florida. Answers are for educational purposes only; you should also consult a financial professional. Questions and answers may be edited for space considerations.