Ahmad and Fadhilah are young parents with two (2) children, ages 4 and 11, whom both are adopted. Both have a combined annual income of RM115,000. They have recently taken up a mortgage loan of RM367,000 as joint borrowers. The market value of the property is valued at RM478,000. Ahmad has RM90,000 in group term life insurance and an individual life policy for RM200,000. They heard from a friend about will/wasiat. However, they still have not thought about doing so as they feel that it is not important. They feel that if anything were to happen, both children are taken care of with life insurance and the property they will leave for them which will divided according to faraid law. As for retirement plan, they feel that EPF should be sufficient for them to retire with. As their financial planner, knowing that there are some obstacle, assist them to understand and be more aware of the importance of drafting will/wasiat and estate planning is a way to save heirs money problem. Discuss.