The salt-laced air of Ocean Beach held a particular weight for the Reynolds family that spring; a weight not of the ocean’s spray, but of unforeseen circumstance. Mark and Sarah Reynolds, relatively young and healthy, with two vibrant children, Emily and Joshua, never seriously considered estate planning beyond basic life insurance policies. However, a sudden and unexpected diagnosis for Mark—a rare neurological condition with a rapidly progressing course—forced them to confront a future neither had anticipated. They quickly realized the inadequacy of their current arrangements, a stark reminder that estate planning wasn’t simply for the elderly, but a crucial step for anyone wanting to protect their loved ones.