NJToday.com:  “It may be the subject matter – death, incapacity and taxes – that causes us to avoid estate planning.  However, the fact is that, no matter what your age or how much wealth you’ve accumulated, you need an estate plan to protect yourself, your loved ones and your assets – both now while you’re still active as well as after your death.  Having an effective estate plan is one of the most important things you can do for your family.”  See “The Five Most Important Estate Planning Documents.”