Read the following scenario. Then read the strategies below it. Which strategy would be most effective in ensuring that Ben's money gets spent in the manner he wishes? Ben has lost money in business endeavors at different points in his life. He has almost nothing of monetary value to leave for his children and feels some regret. He does have a small life insurance policy that will be divided evenly among his heirs, giving a few thousand dollars to each one. He imagines that after his death they can take a trip or do something else enjoyable to facilitate healing.

Tell his children to scatter his ashes instead of holding a funeral.
Give one of his children power of attorney.
Do the trip planning himself.