When people think about estate planning, they often focus on financial assets like homes, savings, investments, and inheritances. But one of the most important assets you will ever have isn’t listed on a balance sheet. It’s your brain. Cognitive health plays a central role in independence, dignity, and quality of life as we age. While legal documents cannot prevent dementia or cognitive decline, they can determine whether you remain in control of your life if it happens. Planning ahead ensures your wishes are honored, your voice is preserved, and your future decisions are guided by the people you trust most. Cognitive Decline Is Common, but Timing Is Unpredictable Cognitive changes become more common as we age, but the timeline looks different for everyone. Some people remain mentally sharp well into their 90s, while others experience changes much earlier. The challenge is that by the time cognitive decline becomes noticeable,
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