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How Can You and Your Heirs Benefit from Contingency and Estate Plans?

What is contingency planning, and how can it benefit you, your estate, and your heirs? Is your estate plan comprehensive enough to take into account the various events that could occur during your lifetime, including disability or other incapacitation? Do you know who will manage your affairs if you are unable to do so on your own? What can go wrong if you leave your farm to your children in equal shares?