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The golden (?) years. We’re supposed to be enjoying our retirement, but need to be aware of our ultimate death and the journey that leads to it.
This is the last best chance to make sure affairs are in order, and our legacy secured. Another review of the estate plan is order, including having appropriate powers of attorney in place. Perhaps a trust was not needed earlier for any reason, but now it makes sense, either because a person is beginning to fail, or the beneficiaries circumstances have changed such as having creditor or health issues.
Perhaps a person or his or her spouse senses that a permanent nursing home stay is in the future. Asset planning for Medicaid purposes may be a consideration.