17. Which of the following persons need estate planning?

1. Dave, single, has a net worth of $1 million.

2. Jim, married, has 9 children, 6 grandchildren, and a net worth of $400,000.

3. Steve, divorced, has a daughter who is severely challenged physically, and whose net worth is $20,000.

4. Beth, single, has a net worth of $50,000, and has 2 dogs that she considers her children.

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