Estate planning becomes urgent the moment life gets more complex, children, a home, retirement accounts, a family business, or aging parents who may one day need support. In Canada, planning is already part of the financial picture for many older adults. In fact, 92% of Canadians age 65 and older have a will, which tells us something important: families know this work matters, but many still need a more complete plan that keeps legal documents, beneficiary choices, and wealth