Sarah and David, a couple residing in the vibrant community of San Diego’s 92114 zip code, always considered estate planning something for “later,” a task reserved for when they were older and had accumulated significant wealth. They were relatively young, in their early forties, with a comfortable life but hadn’t yet felt the urgency to formalize their wishes. David ran a successful small business, and Sarah was a dedicated educator. They owned a modest home, had retirement accounts, and were diligently saving for their children’s college education. However, a sudden and unexpected health crisis shattered their complacency, forcing them to confront the critical need for a comprehensive estate plan.

Why is Proactive Estate Planning Crucial, Even for Younger Individuals? Ordinarily, many people assume that estate planning is solely for …

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