Death is not something people want to talk about. And that is probably one of the reasons so many people do not have an estate plan, or even a will.

 As unpleasant is it may be to think about being mortal, planners say it is imperative to protect your family and your assets. It’s the only way you can ensure that your estate goes to the people you want it to.
 “Generally, everyone needs a will,” says Greg Stevens, senior wealth advisor at Cabot Wealth Management in Salem, Mass. “Everyone needs to take a full stock of investments, and make sure beneficiaries on life insurance IRAs and 401(k) are updated.”
It’s also important to have transfer on death, powers of attorney and a health care proxy, he says.
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