Which of the following clients has the GREATEST need for estate planning based on the information provided below?

Janet (23), who prides herself on making her own investment choices but has experienced poor results.

Jing (43) and Mei (39), a working married couple with three children and disposable income.

George (35), who is single, rents an apartment, and has little net worth or assets.

Jasper (70), a retired widower who lives off of his PP and OAS benefits and has no children, disposable income, or assets.