Each family is slightly different so it is difficult to write out a plan for you.  How is that so? Well, do you have children? What ages are the children?  Do you have seniors as part of your family?  What ages are the adults? Are there any disabilities that need to be considered?   What steps have you already taken?  The best that can be done is to provide you with the areas that need to be addressed and details on each.  The rest is up to you.