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There are two concepts to a RISK and ESTATE PLAN. The first concept is eliminating RISK and the second concept is protecting and minimizing costs in a deceased ESTATE. This includes planning for the even distribution of assets and preventing unnecessary costs in an estate. It is therefore important to adhere to a comprehensive, dynamic estate plan. This PLAN is the first and most important plan in the financial planning process, as no plan will come to fruition if death, or disability happens unexpectedly.
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