Few people think about their own mortality. Most want to make arrangements so that upon their death their affairs are in order; to have their assets and possessions distributed according to their wishes by having put in place a Will. Some people never get around to preparing a Will. 

Estate Planning is more than having a Will. It involves people, family structures and beneficiaries. It involves trusts, taxation, and potentially, business succession.

Why? Estate Planning involves planning for all contingencies. It involves not only deciding how assets are to be distributed but also having the correct financial structures and arrangements in place to protect a family's personal or business interests (or both) now and in the future, in the most tax effective way possible. 

Estate Planning must not only consider the ramifications upon Death but also upon Disablement. A substantial amount of tax may be saved when wealth is transferred to beneficiaries upon the Death of a person, depending on the way their Risk Management Plan and Will was established. 

  and  
  and