On last year, Dawn Williams had a casual conversation with her brother Dave about the state of his estate planning.
She had been working on creating a trust and wanted to see what stage he was at. The siblings, both in their early fifties, were the only remaining members of their family as both their parents had passed away.
He was never very good at that kind of thing, but Dave reassured his sister that he would pass everything onto her, and would work on changing the primary beneficiary listed on his $250,000 life insurance policy.
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