Modern Retirement

Sam Warburton OBE was not only a titan of Welsh rugby but an icon of the game. Having represented his country as a player and team captain at all junior levels, he propelled himself to international attention in 2011 when named as the youngest ever captain of Wales for the Rugby World Cup. Despite his tender age, Sam's immense displays for club and country were recognised still further in April 2013, when, at just 24, he was named the Lions' captain for the extraordinary 2013 tour to Australia.

Florida has long beckoned retirees seeking to spend their golden years in the sun, but, for many, the American dream of owning a home there was financially impossible. That changed in the 1950s, when the so-called "installment land sales industry" appeared out of nowhere to hawk billions of dollars of Florida residential property, sight unseen, to retiring northerners. For only $10 down and $10 a month, working-class pensioners could buy a piece of the Florida dream: a graded homesite that would be waiting for them in a planned community when they were ready to build.

The next step in Ellie Baker’s marriage: divorce. She and her husband, Jonah, are heading to Florida to break it to the family. No great drama to share. After twenty years of marriage, they’ve just fallen out of love. Simple. Not to their college-age daughter, Maggie, who is devastated. Or to Ellie’s father, Frank, who grows as cold as a retiree can get in Orlando. As for Ellie’s mother, Bunny: no, no, no. She doesn’t want to hear it. After a dreadful weekend, Ellie and Jonah return home to New Jersey with hearts and minds still set on a split.

Having a will is important, but it’s only one piece of the puzzle. Without a comprehensive plan, your family can get tangled up in frustrating and stressful legalities for years. Even if you’re in the process of getting an estate settled and things are going horribly wrong, it’s not too late. You can get back on track with what you know your loved one wanted. Most importantly, you can do your own estate and crisis planning, and get it right the first time.

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