For those of us who invest, have employees, or deal with the public, it is never too soon to take steps to protect our assets and our future. It is better to be four years too early than one day too late.

Most people are fair in their dealings and think they can defend their actions in court, should the need arise. When I was young and financially successful, I felt that way. Now, I know different. I have seen the financial, and sometimes mental, destruction of people who failed to take steps to protect their assets