What would your financial suggestions be for a 65 year old female and former dancer who has implemented all of your recommendations as a financial planner regarding insurance, tax planning, investment and retirement planning and education funding for her three children, except for estate planning. Now she wants you to explain to her why she needs an estate plan, along with the 3 other devices essential to planning that assist clients due to incapacity. Furthermore, she has bank accounts and several retirement accounts along with real estate she needs protected post-mortem so her church, mother and 3 daughters may have access. Lastly, she cares for her 91 year old mother who has Alzheimers and is curious as to how she can establish care for her in case she does not out live the mother.

What are your suggestions?