Being a senior myself, I seem to be working with more and more seniors regarding the planning of their estate as they begin to realize there are no certainties or guarantees in life. (Only if you know Jesus Christ as your Saviour.) Two things that have really stood out as I have talked with these seniors. First, most have never really planned for retirement, that is, financial planning. They don’t know what their income needs will be at retirement, how much their company pens