Which the following is a risk of failing to plan for the estate?

• Property transfers contrary to the client’s wishes.

•The client’s family may not be provided for financially.

•The estate suffers liquidity problems at the client's death.

•The estate may bear higher transfer costs.

a. 2 only.

b. 2 and 3:

c. 1;,3;,and'4.

d.1,2,,3, and 4,