“Question: What exactly is an estate plan? I hear people talking about them, but I am not sure what one is exactly? Where do you get one? Who does that for you?  Answer: Even though you are not sure what an estate plan is, I've got news for you: You've got one.Once you learn what it is, you may or may not like it. And you can, in fact, take steps to change aspects of it — to shape it more to your liking.”