A quick-witted mechanic once told a customer, “I could not fix your breaks, so I made your horn louder.” In life, instead of directly confronting an issue, we sometimes try to cover it up or avoid it completely. The planning for the distribution of one’s finances and family obligations after death is uncomfortable for some but a necessity for all. Nobody likes to think that he or she will die eventually, but it is incumbent upon each and every person to plan for this event.

  The first and best way to plan for these eventualities is by creating an