It's never to late to have a plan. Estate planning isn’t just for the ultra-wealthy or the elderly, it’s for anyone who has people and assets they care about. Simply put, an estate plan is a strategy for managing and distributing everything you're responsible for when you’re no longer able to do so yourself.   Let’s dive into the essentials of what an estate plan includes, why it's crucial to have one, and how to make sure all your important information is in one accessible,