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Preparing With the End in Mind: A Conversation with Rachel Donnelly, Author & After Loss Professional

August 13, 2025

August is Make a Will month and although it is probably not a holiday (or month!) that we tend to celebrate, it's a topic that we should all address at some point or another. If you happen to be one of the nearly 12 percent of Americans on holiday this August and you're reading today's ARTIcles story, nothing says I love you like sinking your toes into the sand next to your partner and striking up a conversation about end of life planning. 

We invited Rachel Donnelly, founder of AfterLight, co-founder of Professionals of After Loss Services, and author of Late to Your Own Funeral: How To Leave A Legacy And Not A Logjam, to join us for a conversation about one of the few things that is gauranteed in life (in addition to taxes and aging). Read on for Rachel's practical advice, tips, and conversation starters. There truly is no time like the present to have the conversation we may all be putting off (and off). 

Heather Nickerson, Co-Founder of Artifcts: Rachel, you are an after loss consultant. I think "after loss" is clear for all, but can you illuminate what services you provide in this role?

Rachel Donnelly: Sure! As an after loss consultant, I help people navigate the logistical and administrative tasks that are unavoidable after the death of a loved one. This role encompasses a wide range of responsibilities, including organizing and closing accounts, coordinating and completing forms, locating and securing necessary documents, and managing estate clean-outs or disposing of tangible personal property, as well as working with attorneys, financial advisors, and other professionals. I’m essentially the project manager you didn’t know you’d need when someone dies, helping clients navigate challenges like being overwhelmed, missteps, and missed deadlines.

Nickerson: So not all your services are necessarily offered literally after someone dies, sometimes it's about preparedness for that eventual reality we'll all face?

Donnelly: Yes, and after working with hundreds of clients, I know the common blind spots that people overlook as part of their estate planning and organization. I can serve as their “personal trainer” for estate organization, acting as an accountability partner and coach before something happens. That might mean organizing estate documents and digital assets, inventorying their belongings, or making sure their executor isn’t left guessing. Think of it as doing your loved ones a huge favor in advance. It’s the “leave a legacy and not a logjam” approach.

Think of it as doing your loved ones a huge favor in advance. It’s the “leave a legacy and not a logjam” approach.

Nickerson: Who typically calls you in an after loss scenario? Is it the estate executor, aka next of kin, who really isn't sure what on earth to do now?

Donnelly: Yes. My client is usually the named executor, a surviving spouse, or an adult child who has just lost a parent. They're grieving and overwhelmed, confused about what to do first, and feel like they’re drowning in paperwork and tasks. That’s when I step in to bring order to the chaos.

Nickerson: What led you to take the leap from being the founder of your own after loss business at AfterLight to co-founding an organization to train others—Professionals of After Loss Services (PALS)?

Donnelly: What began as an informal networking group of women with businesses similar to mine has grown into the first and only dedicated community for after loss professionals. There is a significant need for professionals who are both trained and experienced in handling loss situations. While the field is growing quickly, there is still a gap in connection, consistency, and shared knowledge.

We created PALS to close that gap by building a network of trained, vetted professionals who understand the unique needs of clients after a loss. Our mission is to raise the standard of care while fostering a supportive community of pros who truly “get it.” We bring together people who are passionate about helping families navigate the administrative and logistical challenges of settling an estate while grieving. Whether you already serve families after a loss or are exploring how to begin, PALS is the place to learn, connect, and grow. As we like to say at PALS, a rising tide lifts all boats.

Nickerson: Among PALS-trained professionals, are there subspecialties? For example, do some professionals work more with widows or with families who have lost a child?

Donnelly: Yes, absolutely. While all PALS-trained professionals have a strong foundation in after loss logistics, many bring their own unique backgrounds to the table. Some focus more on grief support, others on estate organizing or clean-outs. We also have professionals who specialize in working with widows, the sandwich generation, or solo agers. It’s not one-size-fits-all, and that is what makes the network so valuable.

Nickerson: You also have “The checklist of death," not something most people probably hear on a daily basis. Where do you see the most mistakes made? What is most commonly overlooked? What are the first three steps someone should take in nearly any after loss scenario?

Donnelly: I love that phrase because it’s real. The biggest mistake I see is people jumping straight into tasks like cleaning out the house or closing accounts without understanding that there is often a specific order these steps should be followed according to the estate plan. Skipping that order or protocol can create significant problems later.

The biggest mistake I see is people jumping straight into tasks like cleaning out the house or closing accounts without understanding that there is often a specific order these steps should be followed according to the estate plan. 

Most commonly overlooked? Digital assets. People often forget about email, cloud accounts, subscriptions, and social media, which can hold financial, exchange, or sentimental value.

As for first steps, aside from the funeral or memorial:

      1. Secure the home and cars, and forward the mail.
      2. Locate the will, trust, and other important documents.
      3. Make a detailed list of what they owe and what they own, which will be crucial during the estate settlement process.

Nickerson: And last but not least, you are a published author. What’s the feedback been like on your new book? Are you hearing from readers about "ah ha" moments?

Donnelly: It’s been humbling and amazing. People tell me Late To Your Own Funeral: How To Leave A Legacy And Not A Logjam is the first book they’ve read on this topic that doesn’t make them feel like they’re reading a legal manual—or a eulogy. I’ve had so many people tell me they’ve given this to their aging parents, who would never even broach the subject with them, and now they’re meeting with attorneys and formalizing their estate planning documents. One woman said, “This made me laugh, cry, and then finally get my affairs in order.” That’s exactly what I was going for: clarity, empathy, and a little irreverence to make it all feel more doable.

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© 2025 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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What Should You Do with Old Cards and Letters?

At Artifcts, we've seen this question come up again and again—and we understand why. 

Today, there are more than 150 publicly Artifcted cards and letters on Artifcts.com, each preserving a story, a relationship, or a moment in time. Our Co-Founder, Heather, has also privately Artifcted more than three dozen cards and letters from her own life (and still has a couple dozen more to go!). 

We hear you, and you are not alone. Cards and letters are sneaky. They don't take up much space individually, but together they can fill boxes, bins, closets, and entire storage shelves. Unlike many other possessions, they're full of sentiment, emotion, and something increasingly rare, handwriting. We want to keep them because they connect us to people and moments that mattered. 

 
 
 
 
 
 
 

But then life happens. The bins overflow. The storage area fills up. Years pass, sometimes decades. And despite keeping every birthday card, holiday greeting, love note, sympathy card, or handwritten letter, we rarely pull them out to read them again.  

So...what should you do with them? 

Start with a Different Question 

Instead of asking, "Should I keep this card?" ask yourself: 

"What am I really trying to preserve?" 

Most of the time, it's not the paper itself. It's your grandmother's unmistakable cursive. It's the note your child scribbled before they learned to spell. It's the anniversary card that reminds you exactly how you felt in that moment in time. It's the laugh-out-loud birthday card from a friend who always knew how to make you smile. 

 
 
 
 
Laugh-out-loud and always makes me smile. Mother's Day 2024. Sorry, this Artifct is private!

Often, the physical card is simply the vessel that carries the memory forward, lest we forget. 

You Don't Have to Keep Every Piece of Paper 

Many people feel guilty even considering letting go of cards and letters. It can feel like discarding the relationship itself. But preserving memories doesn't have to mean storing every card, letter, note, or envelope forever. 

As you sort through your collection, consider categories like: 

  • Cards that mark major life milestones.
  • Letters from people who have shaped your life.
  • Notes that tell a meaningful story.
  • Cards with especially memorable handwriting or artwork.
  • Messages that still make you smile, laugh, or cry. 

These are often the pieces worth preserving—not because they're old, but because they continue to have meaning and someday someone else in your family may be curious enough to want to see them or even keep them as part of their family history too. 

Preserve the Memory, Reduce the Clutter 

Whether you're downsizing, helping parents organize decades of keepsakes, or simply reclaiming space at home, preserving the stories first makes it much easier to decide what to do with the physical items afterward. By photographing or scanning meaningful cards and letters and pairing them with your own memories, you create an archive that's easier to revisit than a stack of bins tucked away in the attic. 

Here's an easy way to get started: 

  1. Choose the cards and letters that matter most. Start with a small group—perhaps birthday cards from your parents, letters from a grandparent, love notes, or cards that commemorate major milestones.
  2. Photograph or scan each piece. Capture the front, inside message, back, and envelope if it adds context. Don't worry about perfection; your goal is to preserve the memory.
  3. Add the images to an Artifct and tell the story behind them. Who wrote it? What was happening in your life? Why has this particular note stayed with you all these years? Those details transform a simple card into part of your personal history. 

Once you've preserved both the images and the story, you'll find it much easier to decide whether the physical card belongs in a keepsake box, should be passed on to family, or can finally be recycled.  

Less Clutter. More Memories. 

Cards and letters were never meant to spend decades hidden in storage bins. They were written to be read, remembered, and cherished. That's exactly what Artifcts helps you do. 

Artifct your cards and letters to create a fully accessible, shareable archive of the notes, sweet sentiments, heartfelt messages, and laugh-out-loud moments that matter most. Add the stories behind them, preserve the handwriting, and revisit them anytime, from anywhere. 

Because the goal isn't to keep every piece of paper. It's to keep the memories. Happy Artifcting!

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Looking for additional tips on how to Artifct cards, letters, and other ephemera? Check out our How to Artifcts Cards & Letters article to help you get started. 

© 2026 Artifcts, Inc. All Rights Reserved.

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