Planning for the “What if”

Avoid the "What if something happens to me and no one knows how to pay the bills."

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Life is full of “what if” moments. You know the ones – the “what if I left the stove on” or “what if I forgot to lock the car.” But lurking in the shadows of your mind, there are those bigger “what if” questions. Ones like “What if I get sick and can’t take care of my clients” or “What if something happens to me and no one knows how to pay the bills.” Yeah, those…

The past few years have been a rollercoaster, and that anxiety is still with us. That’s why planning ahead can be so helpful as we move forward. We all know stories of unexpected family illnesses or the loss of a loved one, and we know how emotionally draining it can be. But have you ever stopped to think about the financial and logistical mess that can follow? Imagine the chaos if the person who handled all the bills and had the keys to the financial kingdom suddenly couldn’t. It’s even more bewildering when they’re not around to answer questions. And, if you’re a small business owner who manages everything? Forget about it. How long do you think it will take someone else to unravel all of the details for both your family and your business?

So, what’s the game plan? Let’s start now.


Those things are everywhere. Do other people in your business know them or where to find them? Start gathering them in one place so that someone can access them if needed. If you use a password keeper, share the password to that with a trusted person. Don’t just rely on your browser or your phone to be the password whisperer – take an active role in managing them.

Who Manages What

If you’re the go-to client or project wrangler, while your partner is the numbers and bills person, kudos to you for dividing and conquering. But what if one of you is out of commission for a while? It’s time to keep a list of the who, what, where, when about the things you manage so you can share that precious knowledge with your trusted sidekick.

Estate Documents

Here’s one that takes a bit more effort, but is essential. Fewer than 40% of people have their will and estate planning documents in order. It’s easy to put off, especially if you think you don’t have a lot to pass on. But guess what? If you don’t decide, the state will step in and decide for you. Do you really want the state to choose your healthcare power of attorney or what should happen to your business? Thought not. Work with an estate attorney to get these crucial documents in place before you need them.

Need some extra guidance? I’ve started a business to make preparing for those “what if” moments a little less daunting. My mission is to help you gather your essential business information and keep it in one organized place for a rainy day. Through virtual, guided sessions, I’ll be your trusty guide, ensuring you have the best information readily available. Preparing for the unknown might seem like a big task, but I’m here to lend a hand and help you find that peace of mind you’re looking for. Ready to dive into action? Connect with me now! Shoot an email to or give me a call at 317-732-5181 to set up a chat. Let’s embark on this journey together!

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About the Author: Sarah Kendrick

While assisting her family in the aftermath of her grandmothers’ passing, Sarah recognized the profound need for care and support during the bereavement process. This realization led her to establish RHEA Services, a heartfelt endeavor aimed at assisting other families in the delicate task of honoring their loved ones’ legacies. After guiding dozens of families through this challenging period, she uncovered another critical need – the importance of gathering essential information in advance.

Sarah’s mission is to empower individuals to proactively collect and organize necessary information to avoid the frantic search for critical details during difficult times. Since its inception in 2020, RHEA Services has developed three comprehensive books and streamlined processes tailored to assist Families, Small Business Owners, and Caregivers in this essential preparation. In addition, Sarah has had the privilege of being featured on numerous podcasts and engaging with various groups to share her expertise.

Beyond her professional commitments, Sarah finds solace in quality time with her husband, Kevin, and their two beloved dogs, Milo and Hazel. She has a deep passion for reading, creating music, and cherishing moments with her extensive extended family.

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