Have you done your last will and testament yet? It’s not meant to be a morbid question as we begin today. We all need to plan for the future. One of the things we must plan is how we are going to distribute our estate—our stuff—after we die.

When you do your last will and testament, one of the things you will think about is what you will do with your most valuable possessions. What are those to you? Your home and investments, sure. But when you think about what is most valuable to you, maybe you also think of other things, like meaningful photos, or a special keepsake from your spouse or a friend. Or even special letters you have written or others have written to you.

These things that you include in your will—your possessions—represent some of the things you consider most valuable in th…