There’s a reason financial advisors sometimes call it the “bus test.” It’s blunt, a little morbid, and instantly clarifying: if you were hit by a bus tomorrow, aside from dealing with the immediate consequences, would the people you love know how to sort out your affairs? Would they be able to access your accounts? Would they be protected? Would your wishes actually be carried out? For most people, the honest answer is… probably not. We spend years building wealth — saving, investing, growing a business, paying down a mortgage — but remarkably little time making sure that wealth ends up where we want it to go. These conversations feel uncomfortable and somehow not urgent, not yet anyway. So they get deferred. Again, and again. Often until it’s too late. Why we avoid it The avoidance is deeply human. Thinking about your own death or incapacity means confronting mortality in a concrete, practical way — not as an abstract concept, but...