life planning

     1.                  Bad things can happen without planning: 

          a.                   Probate expenses

          b.                  Public exposure of will provisions

          c.                   Estate taxes

          d.                  Wrong people get your stuff

          e.                   Family members fight over specific assets

          f.                    Loved one suddenly must wear your (unwritten) management hat

          g.                   Wrong conservator appointed for kids

          h.                   Illiquidity of estate

          i.                     Title vests in minors          

          j.                    Health care costs eat up assets (Medicare rules)

          k.                  Psychs commit you for treatment

          l.                     Doctors objectionably preserve a life with machines

          m.                 No one can act for you while you're in an unconscious coma

     2.                  People are planning more now than before.

     3.                  Survivors get really hurt by bad planning.

     4.                  Cost of planning is reasonable.