You are meeting with some new prospective clients, Harry and Megan, as they are seeking some advice on life insurance and buying their rst house together. You discover that they have little understanding of estate planning and they do not have a valid will or other estate planning documentation in place. Discuss the benets of an enduring power of attorney (EPoA) and at what stage of life it would be relevant for them to consider getting an EPoA prepared. (4 marks)