Developing a well-designed approach for your estate is a personal process. It is grounded in the attitudes, beliefs and traditions that you consider important.

Your estate will change as you progress through your life and incorporate different aspects of estate preparation.

There are four phases to the Life Cycle:

• Starting Out
• Growth
• Maturity
• Transfer Assets

In each life cycle stage, the following key needs should be considered: Insurance, Investment, Retirement and Estate.