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Everything You Wanted to Know About Appraisals, But Were Afraid to Ask

Heather Nickerson, Artifcts
October 18, 2023

In honor of National Estate Planning Week, we thought we’d take a deep dive into the world of appraisals with an Ask Me Anything with our dear friend, colleague, and Business Partner, Sarah Reeder, Founder of Artifactual History Appraisal.

In addition to being an expert on ‘stuff,’ and specifically the value of ‘stuff,’ Sarah is also author of the book Ray Eames in 1930s New York, co-editor of Worthwhile Magazine™ and co-creator of The Art Elevator Collector's Club. Read on to learn more about what she does as an appraiser, when to contact an appraiser, and even those questions we all want to ask (but may be afraid to!), such as the difference between an appraisal and a valuation.

Heather Nickerson, Co-founder of Artifcts: For our members who are new to the appraisal process, how would you sum up what you do?

Reeder: I like to think of what I do as being part lawyer, part accountant, and sometimes even part therapist! It might surprise some people, but appraisals are nothing like what you see on TV. My work entails numerous hours of research, the preparation of legal documents, and meeting meticulous professional requirements for appraising items to establish a value in a specific level of the market on a specific day (called the effective date) for a specific intended use. (We’ll come back to that later!)

Appraisals are nothing like what you see on TV...

The work appraisers do is a very specialized type of professional service akin to an attorney or an accountant that requires a lot of time and focused research, so the very quick and informal “off-the-cuff” depictions of appraising we all see on television have edited out the lengthy preparation (because it would be pretty boring to watch!) that goes into those short segments we see. But I wish it was more widely known that there is so much more work that goes into appraising than the 2-minute clips we see onscreen.

The therapist part sometimes comes into play because as you know so well here at Artifcts, objects can hold powerful memories and inspire strong emotions, totally independent from what their monetary value might be. Sometimes it’s a delicate conversation when the “heart value” and financial value are not aligned, and that is where I rely on market data and research to help individuals understand the current market conditions and corresponding value of the item. I always emphasize that market conditions should not diminish the positive sentimental associations they have with an item—they just happen to be the lens that appraisers must use in our professional work.

Nickerson: So, getting down to the nitty gritty, can you walk us through a typical day?

Reeder: There is no one typical day. That is one of the many things I love about being an appraiser, you never know what you’ll be working on next! There are two types of appraisals I spend most of my time on insurance appraisals and estate appraisals. And yes, they are different!

When I am working on an insurance appraisal, I am creating a legal document that will protect you and your items in the event of damage or loss. These appraisals are for the retail replacement value of the object and in doing so, pins that object and that value in time. That specific moment in time is called the effective date of the appraisal, and all appraisals have effective dates.

The effective date of appraisal is so important in all appraisal report intended uses, because it provides critical context for the numerical appraised value. The markets for art and antiques are always changing, much like the stock market we are more commonly familiar with, so the appraised values need to be contextualized to a specific day, because on the day before or the day after market conditions may have been different. For insurance appraisal reports, the effective date is typically the day I inspect the items in person as it establishes the condition I witnessed on that day.

The markets for art and antiques are always changing, much like the stock market...

When working on these types of appraisals, I spend a lot of time researching the object, documenting it with photos and a detailed description, cataloging it with a standardized format that will allow future users of the appraisal report to know the characteristics of the appraised item, researching the specific level of the market for similar items for the appraisal report’s intended use, and then developing an appraised value based on all the above.

In the case of insurance appraisals, the appraised value is generally the replacement value of the object (i.e. what would it cost to acquire the same exact or very similar object in a short period of time from a retail dealer). For example, if I am appraising a painting by a particular artist for insurance purposes, I’m going to identify which galleries represent that artist or sell paintings by that artist, and then compare their available inventory and pricing (which often is not publicly available and requires outreach to the galleries) to the appraised painting in terms of subject, size, condition, era of the artist’s career, and other factors.

Based on the current retail data I can obtain, I then make adjustments up or down if needed relative to the appraised painting, and document all relevant research for my appraisal client workfile, which I am legally required to keep for a minimum of 5 years. The final number after the specific adjustments from the comparable records accounting for differences from the appraised item is the appraised retail replacement value. So it’s all a lot more complicated and research-intensive than what the public typically sees in popular depictions of appraisers on television.

Insurance appraisals are very different from estate appraisals. Estate appraisals are not used for insurance coverage.  Estate appraisals are prepared at fair market value and are required in some situations to be filed with the federal government or relevant state and local governments for estate tax filing. The legal professional handling an estate is the one who determines whether this is required in specific estate situations.

While insurance appraisals are typically prepared at retail replacement value, estate appraisals are prepared at fair market value, which is often quite a bit lower. The United States government defines fair market value as

"The price at which the property would change hands between a willing buyer and a willing seller, neither being under any compulsion to buy or to sell and both having reasonable knowledge of relevant facts." According to Technical Advisory Memorandum 9235005 [May 27, 1992], fair market value should include the buyer's premium. [Source: Treasury Regulations Section 20.2031-1 (b).]

For estate appraisal reports, the effective date is typically at the time of the death of the deceased. This is very different than with insurance appraisals as it could take an executor months and months to close out an estate and yet the value is still pegged to the date of death. There is something called the “alternate effective date” which is 6 months after the date of death, which the estate can elect to use if the market has changed significantly in that time period. I always like to confirm which effective date the estate is using as this is a critical factor in guiding my valuation research.

Nickerson: Tell us a bit about the tools of your trade. What do you take with you when you visit someone’s home to start an appraisal?

Reeder: I am pretty consistent. I always take:

      • a good camera for capturing documentary photos
      • a tape measure so I can obtain the dimensions of artworks and the other items I am appraising
      • a clipboard and paper so I can take notes on-site that will later be expanded with research back in my office
      • a blacklight for examining artwork for inpainting and other restorations
      • a jeweler’s loupe for studying silver marks and other small details
      • a flashlight for studying artist signatures and providing additional ambient lighting for my photographs in dark locations.

I carry multiple flashlights and measuring tapes with me. If one breaks while I am on-site, I have a backup available to be able to continue working.

These tools are necessary, because I have to make sure I capture all the precise details that make your object unique. If it is artwork, is there an artist signature? Any blemishes or marks? Water or sun damage? All of these things are important to ascertain the value of an object, and I need to be able to document them while onsite.

 

Worn leather bag used for appraisalsSarah's trusty go-everywhere appraisal bag full of her tools of the trade. 

Nickerson: Some people, and I admit I was one of them at the beginning, may not know the difference between a valuation and an appraisal. Could you help explain what makes the two different?

Reeder: Sure! The Uniform Standards of Professional Appraisal Practice (USPAP) define valuation services as:

“A service pertaining to an aspect of property value, regardless of the type of service and whether it is performed by appraisers or by others.”

An appraisal is defined by USPAP as:

"(noun) the act or process of developing an opinion of value; an opinion of value. 
(adjective) of or pertaining to appraising and related functions such as appraisal practice or appraisal services.
Comment: An appraisal is numerically expressed as a specific amount, as a range of numbers, or as a relationship (e.g., not more than, not less than) to a previous value opinion or numerical benchmark (e.g., assessed value, collateral value).” 

In terms of the general popular context of these two words outside of their specific USPAP definitions, a valuation is typically more closely associated with ballpark estimates and not with a legal document. Think of it as something that will get you basic guidance, such as getting an approximate sense if an inherited collection is simply sentimental and has no monetary value, or conversely, if it might have significant monetary value.

A valuation is typically more closely associated with ballpark estimates ...

Appraisals are legal documents. A verbal ballpark numerical range cannot be used in court to settle an estate, with the IRS to document tangible assets for tax purposes, or with an insurer to document items for an insurance policy. USPAP-compliant written appraisal reports are needed for those intended uses.

Nickerson: Are there any red flags our members should watch out for when hiring an appraiser?

Reeder: One of my personal red flags is if the appraiser essentially says, "I will tell you how much it is worth and then purchase it from you.” There is a major conflict of interest there, and their interest may not be in your best interest.

Another major red flag is if an appraiser is not USPAP-compliant. USPAP is a very important professional and ethical standard regulating appraisers to help protect users of appraisal services.

It’s always best to look for an independent appraiser who is USPAP-compliant, and ideally is also a member of one of the professional associations for appraisers such as the Appraisers Association of America (AAA), the International Society of Appraisers (ISA), or the American Society of Appraisers (ASA). I am a Certified Member of the Appraisers Association of America and a Certified Member of the International Society of Appraisers.

You also want to make sure that any appraiser you hire has expertise in YOUR object(s). A jewelry appraiser may be great for your jewelry collection, but not your collection of mid-century modern furniture and vice versa. In USPAP, this is called the “Competency Rule”—basically, is this appraiser competent to appraise your items? If they aren’t, they shouldn’t do it.

You also want to make sure that any appraiser you hire has expertise in YOUR object(s)...

Nickerson: When should people hire an appraiser? Are there any life transitions that may necessitate an appraiser?

Reeder: Life transitions are a great time to take stock of what you have and what’s it worth. Some common life transitions where it can be useful to engage an appraiser are:

      • If you have inherited potentially valuable items such as artwork. An appraiser can provide expert guidance on their value and prepare an insurance appraisal report so they can be scheduled and protected with your insurance company.
      • If you plan on moving it can be very helpful to have valuable items appraised for insurance purposes in advance or to update an existing appraisal to make sure the insurance coverage is current.
      • For estate filing purposes when someone has passed. The estate’s attorney will direct whether an estate appraisal is needed.
      • For proactive estate planning purposes—if you have large collections, it can be helpful to get a sense of their value and how they might be structured in your estate plan for maximum tax efficiency for your heirs (again, your attorney will be a very helpful resource in this process).
      • Sometimes divorces are another life transition that may require an appraiser for the equitable distribution process. 

I get called into homes frequently for what I call "on-site consultations" when people have a lot of things (usually inherited) and they are worried about missing something that is potentially high-value. These consultations do not necessarily have accompanying appraisal reports. Most appraisers will charge the firm's hourly rate for this type of service. It can be really helpful for people in "getting unstuck" so they can move forward and make decisions for what's next for it all! 

Nickerson: And finally, you’ve experienced firsthand the joy (and usefulness!) of Artifcting. Any advice for our members or thoughts on how Artifcting can aid the appraisal process?

Reeder: Yes! Artifct your ‘stuff.’ Don’t wait! The details, photos, even video can help an appraiser get to work immediately determining an appraisal scope of work and sometimes even using the Artifcts as a resource to appraise items that may now be damaged or lost. It can save a lot of time and back and forth emails if you Artifct and share your Artifcts with your appraiser. Artifcts really is perfect for an appraiser’s workflow!

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Sarah Reeder is a Certified Member of the Appraisers Association of America, a Certified Member of the International Society of Appraisers with the Private Client Services designation, and a graduate of New York University's Program in Appraisal Studies in Fine & Decorative Arts.

© 2023 Artifcts, Inc. All Rights Reserved.

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What Should You Do With Old Photo Albums?

Dusty albums. Bulky albums. What do we do with you? We want to lighten our loads and declutter without guilt. 

Who among us compiles physical photo albums anymore? "Back in the day” a store like Target would have had a huge photo department. You could purchase and process film and buy photo frames and albums, along with supplemental inserts in a dizzying array of designs and sizes. 

No, not so anymore.

As we’ve shifted to digital photos, we’ve likewise replaced physical albums with digital-friendly options, including build-your-own photo books, shared digital albums on social media and cloud storage sites, and digital photo frames, like the beautiful frames from Aura. Physical photo albums today are usually reserved for major milestone events, like weddings, trips, and anniversaries, when we feel it’s worthwhile to sit down and thoughtfully curate those experiences.  

Those of us with photo albums tucked in our closets and bookshelves, those that we have created and inherited, not to mention the albums our parents and grandparents own and we’ll inherit one day, need solutions. What do we do with all the existing albums, so they avoid landing in a craft shop or, worse, a dumpster when the details about the people and stories within are lost to time? 

Photo Albums Have Problematic Similarities to Scrapbooks 

Like scrapbooks, photo albums are designed to be shared, in person, and talked through, reminiscing about and reliving with the telling the places you’ve been, the experiences you have had, and more. Unfortunately, also like scrapbooks, photo albums present long-term challenges: 

      1. Do you know the stories behind the photos? (We have tips for that!) Will you remember them? Scrapbooks tend to at least provide more leeway to add notes and stories than photo albums. Stories behind the photos are incredibly vulnerable to being forgotten. We can animate photos in interesting verging on creepy ways, but they cannot remember for us the stories lost. Look back through your albums. Do you recall all the people and events in a way that’s meaningful anymore? 
      2. Albums, the pages within, and the photos will deteriorate. Little known fact outside the photo industry: Those photo prints you ordered in single and even triplicate were never meant to last more than a dozen years, and that's for the highest quality pritns! That’s why the colors change as the chemicals used to create the images degrade and the paper eventually becomes more fragile, too. 
      3. Your album is singular and unique, unless you have access to the negatives. But even then, those are decaying with every passing day as well, so ... 
      4. Albums can be bulky. Do you have room to continue to store them? What about those you may inherit? They are substantial in size and often uncooperative with short shelves and shallow storage. In the words of one Artifcts Community member, "I’m in my 40s and my albums are still at my parents’ house. I didn't feel the need to take them with me, but, yes, someday I’ll hold onto them. I don’t want to throw them away."

How Can You Preserve Photo Albums?  

And maybe even let some photo albums go ... 

Share the love. At the risk of making a lot of people very angry, we have to say it: You are not beholden to anyone to hold onto your own albums or anyone else's albums. Ask! Do YOU want them? 

Don’t fall for the guilt trip you are getting or think you’ll get. Ideally, you should consider yourself a steward of the history within those albums and as such, ask family members if they want the albums before you take them apart or get rid of them. It’s the kind thing to do. But beyond that, ...

... Digitization has never been easier or more affordable. We have shared tips about digitization in general. You can buy machines to do it yourself, but there’s a catch. We turned to Cathi Nelson, founder of The Photo Managers, to explain: 

"Many people created scrapbook photo albums during the decades of scrapbooking and those albums are often 12x12, which is too big for traditional flatbed scanners. You can outsource this project to a professional photo manager whose scans allow them to capture the entire page and individual photos.  

If that is not in your budget, and you have a flatbed scanner, such as the Epson v600 scan each page and use photo stitching software to magically merge the pages.  

Another option is to carefullly remove the photos and scan them (front and back). If they are stuck to the pages, you can use a butter knife or dental floss to gently remove the photos."

We want to also celebrate the amazing ease with which apps from modern photo companies like Photomyne can slice up each photo on the page into its own file photo or image file. No need to take the pages apart or tediously scan them one by one. This is great for do-it-yourselfers! You can also link a front and back of a photo together into a single experience, so you can digitally flip the photo over to read the back.

Digitization Wisdom

Before you and as you digitize, keep three things in mind:  

  • Photo layouts may be a part of the story. Some albums may be chronological or thematic. Others are designed for people to arrange photos in a way that may inherently help them to share stories, too. Take this example:

yellowed photo album page with baby photos

Had I scanned each photo and then disassembled the photo album, I would have disconnected these photos from the story of that day, zapping their collective ability to convey a piece of my childhood. Instead, I could photograph or video the album before dismantling, if that’s what I decide to do with the album.

  • Capture ALL the details. You scanned the fronts to get the job done quickly, but did you even look at the backs? Now that you have, how will you preserve the additional details on the back with the photo? In a good-better-best plan, this could be: 
      • Create an index as you go for your photos with the file name and other details you care about (location, people, event, ...) or edit the photo metadata (e.g. date, location, and other information stored with the image file) with the additional information; 
      • Transform the album into a photo book and add the information in the image captions;  
      • Artifct the photos and include what you know about them. Check out our interrogation techniques for photos.
  • Share the stories behind the photos. CONNECT with your loved ones. Don’t be annoying and share 100s of photos from a single trip. Tell them the “best of” or most meaningful moments. Artifct the best ones! Artifcts are easy to share, helping you get the story out there so it can live on. You might also share the Artifct with a friend who is going on a trip to the same place you went and want your tips! You can also easily share an Artifct to a friend’s or family member’s digital photo frame. Ask them how.  

If you are taking the time to create photo albums, maybe take time to create an additional Artifct or two to go with each album, even if the Artifct is of the album itself, and is your story of why you created it, what it means to you, etc. Bonus, you can include audio and video and bring your photo album to life for the next generation.

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Other ARTIcles by Artifcts you may enjoy: 

Photos + Stories Go Better Together: A Conversation with Cathi Nelson, CEO of The Photo Managers

Storytellers, Beware!

Rescue Mission: That’s More Than a Photo

© 2026 Artifcts, Inc. All Rights Reserved.

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Grandma Had Secrets: When the Love Letters Aren’t From Grandpa

Picture this: It’s 2055. Your grandchildren are gathered around a dining room table, sorting through the things you left behind. 

There are old calendars. Birthday cards. A stack of Christmas letters. Theater tickets. Concert stubs. A faded postcard from a beach you barely remember visiting. A receipt for something that definitely seemed important at the time. 

And then...They find the letters. Not one. Not two. A whole cache of handwritten love letters addressed to Grandma. Naturally, they assume they’re from Grandpa. How sweet! 

Except...the handwriting doesn't look like Grandpa’s. The dates are...interesting. And one letter begins, “I still think about that night...” 

Suddenly, Grandma's perfectly respectable family history has become a limited-series streaming drama. Who was this person? Who was Grandma before she was Grandma? And why did she keep all these letters? 

Cue the dramatic Mama Mia music. 

The Secret Lives Hidden in Our Paper Piles 

Okay, maybe your grandchildren won't discover a scandalous romance. Maybe they will. But that's part of the magic of the seemingly ordinary paper things we save. 

Cards, letters, calendars, ticket stubs, postcards, programs, invitations, notes, receipts, newspaper clippings, children's artwork—we save them because they connect us to a version of ourselves, a person we loved, a place we went, or a moment we don't want to forget. 

And sometimes they reveal parts of our lives that aren't obvious from the outside. Because here's the thing: we all have secret parts of ourselves. 

...We all have secret parts of ourselves
  • The version of you who went dancing until 2 a.m.
  • The you who saw your favorite band before they were famous.
  • The you who kept every birthday card your mother ever sent.
  • The you who fell madly in love in college.
  • The you who had an adventure you never quite told the whole story about. 

Those versions of us matter, too, and often, we keep little physical breadcrumbs that lead back to them. 

The Problem with Keeping Everything 

The trouble is that paper is sneaky. One card doesn't take up much room. Neither does one letter. Or one ticket stub. Or one calendar. But 40 years of them? Suddenly you're storing the Library of Congress in a plastic bin labeled MISC. — DO NOT THROW AWAY. (Sound like you? You may enjoy reading, We All Deserve A Purple Bin.)

We keep the paper because the paper feels like the memory. But often, what we're really trying to preserve is something else—the handwriting, the words, the feeling, the story, the evidence that this happened. 

Artifcts offers a way to preserve those memories without automatically committing yourself—and your future descendants—to a lifetime of storage bins. 

Before You Toss It, Tell the Story 

Imagine your grandchildren discovering those mysterious love letters someday. Wouldn't it be wonderful if, instead of having to launch a family investigation, they could also discover your story? 

Maybe the letters were from an old boyfriend. Maybe they were from someone who became a lifelong friend. Maybe they were from Grandpa after all—and Grandpa's handwriting had simply changed. Or maybe Grandma was living a whole, complicated, wonderful life before she became the Grandma everyone knew. That's the story worth preserving. 

So when you pull out that box of cards and letters, don't start with: 

"Do I really need to keep this?" 

Start with: 

"What am I trying to remember?" 

Then Artifct it. 

Photograph or scan the item. Add the names, dates, places, people, memories, and context you still remember. Group related cards or letters together when that tells a better story. And if the story is easier to tell out loud, use your voice to record an audio snippet in the Artifcts App. 

Then—and only then—decide whether you need the actual stack of paper. Maybe you do. Maybe one particularly important letter deserves a permanent place in the family archive. Or maybe you can finally let the 1997 appointment calendar go. No one needs to know what was happening on Tuesday, March 11. Unless, of course, Tuesday, March 11 is where the story gets interesting. 

Leave Them the Story, Not Just the Mystery 

The goal isn't to create a perfectly curated museum of your life. It's to make sure the little pieces of your life don't disappear without a trace, because someday, someone may hold your old ticket stub and wonder where you went. They may open a calendar and discover what filled your days. They may find a stack of love letters and wonder who Grandma really was. Give them something better than a mystery. Give them the story. 

Artifct those cards, letters, calendars, ticket stubs, postcards, and other paper treasures today. Preserve the memory, the context, and the story while you still can. Then decide what deserves to remain in physical form—and what can finally leave the storage bin. 

Because the real keepsake was never the paper. It was you, then.  

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Pro Tip! Create a custom tag to quicly sort and share the Artifcts you create for your life "way back when." Our co-founder Heather uses #themanylivesofme for the Artifcts she makes that highlight her life before she became a mother, wife, senior executive, and mostly responsible adult. Hey, we all have our stories! 

Looking for more tips? Check out our How to Artifct Cards & Letters series for additional inspiration.

© 2026 Artifcts, Inc. All Rights Reserved.

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The Gift of Being Prepared

August is National Make a Will Month—a timely reminder to pause and make sure the people and things we care about will be taken care of when we can no longer do it ourselves. 

Here at Artifcts, we’re all about preparing for life’s what-ifs. Some are joyful: What if we move into our dream home? What if the kids grow up and start families of their own? What if we downsize and discover a simpler way of living? Others are harder to contemplate: What if something happens to me? 

Planning for that possibility isn’t morbid. It’s an act of love.  

The ultimate gift you can give your family isn’t necessarily something they can unwrap. It’s the gift of being prepared so that when they are grieving, they aren’t also left to navigate a lifetime of paperwork, possessions, keepsakes, questions, and decisions without knowing what you would have wanted. 

A Will Is a Beginning, Not the Full Story 

When we think about estate planning, we tend to think about the big things: the house, investments, retirement accounts, life insurance, and other financial assets. 

And yes, those things matter. A will or broader estate plan provides an essential framework for what happens to your assets and who is responsible for carrying out your wishes. 

But what about everything else? 

The jewelry in the dresser, the artwork on the walls, the tools in the garage, and the family photographs. Or maybe it’s the collection you spent decades building, your wedding china, or your handwritten recipe cards. What about the odd little object sitting on your mantle that looks completely ordinary to everyone else but holds a story only you know? 

Traditional estate planning can be very good at answering what goes where. It doesn't always capture why something matters. As former Artifcts Advisory Board Member and CFP Dutch Miller has written, estate planning has historically focused on assets that have monetary value while overlooking the family history, legacy, and values attached to the things that may have little or no financial value

That’s where the real work of being prepared begins. 

Don't Leave Your Family Guessing 

Imagine your family opening the door to your home after you're gone. They are already grieving. Now they have to figure out what to do with everything you left behind. 

Which pieces of furniture mattered to you? Who should get the jewelry? Is that painting valuable—or simply sentimental? Why did you keep those letters? Who in the family would appreciate the old camera? Should they sell, donate, keep, or give away the things filling the house? 

And perhaps most importantly: What would you have wanted? Without some guidance, your family has to guess. 

We’ve seen firsthand how overwhelming that can be. The transfer of a lifetime of “stuff” can become an emotional and logistical burden for the people left behind. Not everything will have monetary value. Not everything will be wanted. And not every object needs to make its way into the next generation. But the things that do matter deserve to be identified, understood, and intentionally passed along.  

That’s why being prepared is about more than having a will. It’s about giving your loved ones a roadmap. 

Be Prepared with Artifcts 

At Artifcts, we’ve long talked about the importance of gifting your loved ones a why. 

Knowing that Grandma left you a particular piece of jewelry is one thing. Knowing that she wore it on her wedding day, that her mother gave it to her, and that she hoped you would wear it someday is something entirely different. 

The story changes the object. It creates connections, preserves memories, and can even reduce conflict. And it helps your loved ones understand why a seemingly ordinary thing was important to you.  

You don't have to leave your family a perfectly curated museum of your life. You simply need to make some choices while you can. 

You don't have to leave your family a perfectly curated museum of your life. You simply need to make some choices while you can...

This August, as you review your will or estate plan, take a second look around your home. 

What do you want to: 

  • Bequeath to a specific person?
  • Keep in the family for future generations?
  • Donate to a person or organization?
  • Sell because it has financial value?
  • Pass along to someone who will truly appreciate it?
  • Let go of because it no longer serves a purpose? 

The choice is yours, but please, we beg you, make the choice. 

And for the things you choose to pass along, consider documenting the story behind them on our Artifcts App. A photograph, a few sentences, a video, an audio recording, a certificate of authenticity, an appraisal, or simply your own voice explaining why something matters can make an enormous difference later. 

With Artifcts, you can create a digital record of the things that matter to you, capture their stories and supporting documentation, and use the “In the Future” field to provide guidance about what should happen to an item when the time comes—keep, donate, sell, bequeath, or “as you wish.”  Think of it as creating a roadmap for the tangible pieces of your life. 

The Ultimate Gift Isn't More Stuff 

We often think of an inheritance as a gift. But what happens when an inheritance becomes a house full of decisions? 

As families navigate the Great Stuff Transfer, more and more people are discovering that inheriting a lifetime of possessions can be stressful, expensive, and emotionally complicated. The most meaningful inheritance isn't necessarily the largest one. It's the one that comes with context, intention, and understanding. 

Your children may not want everything you own. That's okay. Your grandchildren may not know the monetary value of an object. That's okay, too. 

What they may want—and what they may desperately need when you're gone—is to know what mattered to you, what you hoped would happen to the things you loved, and the stories that made your life yours. 

So, this month, give your family a gift they won't have to open for years. Give them the gift of being prepared. Take time to review your will or estate plan. Make sure it reflects your life and wishes today—not five, ten, or twenty years ago. 

Don't have a will or estate plan? Contact a local attorney or estate planner to help you get started. You can also explore our partner, and fellow AARP AgeTech Collaborative company Trust & Will, which offers online estate planning solutions.  

And don't forget your tangible assets. Walk through your home. Open the drawers. Look in the attic, basement, garage, and storage unit. Think about the objects that tell your story. Then start documenting them in Artifcts. 

Bequeath. Donate. Sell. Keep it in the family. Let it go. The choice is yours. Just don't leave your family guessing, because the greatest gift you can give the people you love isn't a house full of things to sort through or a binder full of paperwork to decipher. It's clarity. It's intention. It's the comfort of knowing what you wanted—and why. 

That's the gift of being prepared. 

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© 2026 Artifcts, Inc. All Rights Reserved.

 

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