Tis the season...to be jolly, share kindness and peace with others, enjoy great food and even better company... and, of course, gifts. I remember back to a time when my kids were small, and Christmas morning was filled with so much excitement. Of course, Christmas Eve was sometimes quite stressful, largely due to that tiny little phrase that seemed to be on every box...some assembly required. The box held promise, but all the little pieces and parts were daunting and overwhelming. If you've built a hundred bikes, you can nail it, but if you've never built a bike, good instructions and sound advice are invaluable.  When it comes to estate planning, it's my privilege to help my clients makes sense of all of the pieces and parts and make informed decisions that create a cohesive plan. It may not be a shiny new red bike, but the sense of peace is a really great gift.