Most estate problems aren't caused by missing documents. They're caused by documents that stopped matching your life. A beneficiary form still naming an ex-spouse. A trust that was never funded. A will written before the kids were born. Beneficiary designations override the will, by the way, and they're the single most overlooked item in otherwise thorough plans. We check them every time. It's the least glamorous five minutes in financial planning, and it may be the most useful.
If you own a business, there's a second layer. What happens to the company is often the biggest question in the whole estate, and the one least likely to have an answer. It sits between the attorney who drafted the will and the accountant who files the return, and nobody asked either of them to own it. That's the kind of gap we're here to close.
