Our number one priority is to care for our families. Appropriate insurances protect against common life events. Less readily discussed is the inevitable demise of our mental agility and our death, or the possibility that we may become incapacitated sooner than anticipated. For many, life's events run their course, leaving family estates vulnerable to unnecessary taxes and expenses which erode what would otherwise have benefited loved ones.

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Estate planning entails putting in place a financial strategy for the structuring of your estate to best deal with financial risk.

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While the most obvious risk is your death, unexpected life events such as illness, disability, relationship breakdown or bankruptcy can affect you and those close to you with devastating outcomes.

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The best way to protect your family is to establish your estate plan while you are still able to do so. This would typically entail a review of your assets with a view to adopting tax-efficient ownership structures and detailing clear instructions as to their distribution in the event of your death. Clarity of your intention will also assist in minimising family discord or protracted court proceedings.