The Sun:  “Making excuses to delay estate planning is easy. In fact, maybe you've already thought: ‘I'll worry about it when I'm older.”  Or “My estate is too small to be affected.'  Or even, ‘I don't know what I'm going to do with my assets yet.'  However, if you are unprepared when incapacity or death strikes, your family's financial future may not be protected.”

Time and time again I see people procrastinate and avoid preparing for their own death or incapacity.  The most common reason is because people do not believe it will happen to them.  It happens to other people.  We all know that we will all die so why not take steps now to protect your family and loved ones from the mental anguish and unnecessary financial costs that occur when people die or become disability without a will, a trust and health-care and financial documents.