By Jamie Golombek
An earlier version of this article appeared in National Post October 27, 2007
The term "estate planning" conjures images of wealthy philanthropists living out their retirement years on a tropical island, sipping pina coladas, while managing a plethora of family trusts and private foundations.
In truth, estate planning is important for everyone, not just the rich. If you have any assets at all, you need an estate plan so these assets go to the people you care about.
Herewith, a 10-step guide to an effective estate plan.