Everyone worries about having enough money to provide for their care for the rest of their lives, and most people also want to have something left to leave to their heirs.  Parents are always concerned about what will happen to their kids, especially if they are minors.  Surviving children will need a place to live, someone to take care of them, and someone to take care of their money.  Sometimes creditors may be an issue, and there’s a worry that all or a significant portion of an inheritance may go to a creditor.  This can be prevented, and all of these concerns are addressed in an estate plan.