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David and Sarah Miller, a San Diego couple with two young children, always believed they had plenty of time to address estate planning. They owned a modest home, had retirement accounts, and life insurance policies, but hadn’t formalized a will or trust. One unexpected afternoon, David was involved in a serious car accident. While he ultimately survived, the weeks that followed were a whirlwind of medical bills, insurance claims, and legal uncertainties, leaving Sarah overwhelmed and grappling with decisions she was entirely unprepared to make. The lack of a clear estate plan threw their financial future into disarray and created significant stress for the entire family.