It's a new year that brings me closer to the end of my existence. I am approaching my middle 80s, the average age of death or rapid decline for seniors. It is my annual time to review my will, beneficiaries, and final instructions. I am very active, walking and jogging 6-7 miles a day but I am cognizant that my activity could abruptly end with a bad fall, disease, or the onset of dementia. There are no guarantees of a long, healthy life. This is a time to reflect, review, and plan as circumstances may have changed over the past year.