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With some basic planning, you can provide for your loved ones in the worst case scenario. "Estate planning," an umbrella term, can help you direct exactly what happens with you, your loved ones, your money, and your things in the event of your incapacity or death. Usually people think that an estate plan requires an attorney and a lot of money. While an attorney will be able to give you comprehensive advice and documents unique to you and your situation, it need not be expensive. And you do not necessarily need an attorney for many of the documents that can help in tough situations. Here's how…

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