There is a saying: “The best time to plant a tree was yesterday. The second-best time is today.” Estate planning is like that. Most people put it off because life is busy, the future feels far away, or it’s hard to know where to start. But once it’s done, clients almost always say: “I feel so much better having that off my mind.” Whether you're starting a family, settling into retirement, or simply trying to get organized, it’s never too early, or too late, to plant that tree