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Thursday, September 17, 2026 at 7:12 AM

The “Clean Break” Plan:

Why your working-years will needs a retirement rewrite

An estate plan created during your working years is often dangerously outdated for retirement. Many retirees assume a will or trust drafted 20 or 30 years ago remains perfectly sufficient simply because their ultimate beneficiaries have not changed. However, your retirement estate plan requires a fundamental shift in strategy: moving away from guardian designations for minor children and focusing instead on asset protection, immediate healthcare management, and preventing family gridlock during your golden years.

THE FIDUCIARY PROBLEM: AGING SUCCESSORS

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