It is important to make a will. A will controls where your money and property go when you die. If you don't have a will the law determines who receives your assets. Estate planning conjures images of conniving lawyers and bankers discussing million-dollar trusts for many people and considering which conditions to place on a bequest to a ne’er-do-well relative. But that’s not usually the case. Even people of modest means can spare their loved ones serious headaches by creating an estate plan and will to dictate what happens to their property at the time of their deaths.

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