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The weight of unforeseen circumstances pressed heavily on the Ramirez family, a common scenario Ted Cook encounters frequently in San Diego; Maria and David Ramirez, both in their early forties, had always prioritized providing for their two children, Sofia and Leo, but estate planning consistently remained on a perpetually deferred to-do list. They believed their assets were modest, consisting primarily of their home, some savings, and a few investment accounts, rendering a formal estate plan unnecessary; however, a sudden, unexpected illness befell David, forcing Maria to confront the harsh reality of their unpreparedness. Without a will or trust, the future of their family’s financial security hung precariously in the balance, a chilling reminder of the importance of proactive planning.