And we live within a highly regulated, complex international. So our estate planning has to consider issues of balancing our very own present and future needs with those of our loved ones. An estate plan also needs to address issues of taxation, trusts perhaps and appropriate trustees, guardianship maybe if under-age babies are involved, medical related proxies, everybody the proper distribution of assets to family, as well as family charity. And depending on where our assets are located, the laws of more than one State may be concerned.

All this happened before 08. And what happened in 08? Everybody knows, nevertheless the two hardest hit sectors in the marketplace were the financial and industry sectors. And did she once acquire a call from the broker, and / or brokerage firm suggesting she do anything to take cover