Dear Savvy Senior: I want to leave something meaningful for my children and grandchildren, beyond just money or property. I’ve heard about “legacy letters,” but I don’t really know what they are or how to start one. Can you help? — Legacy Seeker Dear Legacy Seeker: You’re asking a wonderful question. A legacy letter — sometimes called an ethical will — is a personal note to your loved ones in which you can share your values, life lessons, cherished memories, hopes and guidance. Unlike a traditional will, which focuses on legal matters, a legacy letter comes straight from the heart. Why write one? Many people think a legacy is just money or property. But often, it’s your words, values and life lessons that leave the deepest mark. A legacy letter gives your family something to hold onto — your stories, your traditions and the experiences that shaped who you are. Children and grandchildren often return to these letters for comfort, guidance or inspiration long after you’re gone.…