Estate planning is important for people of all ages, but as we age, the need for planning becomes even more critical. Many people avoid estate planning, because they do not want to think about the end of life, failing health or disability. It seems people figure that they did not die today so they probably will not die tomorrow. Others believe that an estate plan is only for rich people. Nothing could be further from the truth.

The estate is all your stuff including debts, owned both individually and jointly, including bank accounts, real estate, jewelry, etc. An Estate Plan is just a set