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When a child turns 18, parents lose automatic legal authority to make medical and financial decisions on their behalf, creating an unexpected gap in estate planning. Three essential documents—a durable power of attorney, health care proxy, and HIPAA authorization—can bridge this gap and ensure parents can assist their adult children when needed.

It’s now been almost a month since the revised COPPA Rule went into effect July 1, 2013. Earlier this year, the FTC issued new guidance on how to comply with the revised Rule.