Serious illness or an accident can strike at any time, with or without warning. You can't plan for an unexpected emergency (or pandemic). However, you can have a plan in place so that you are prepared to face it and can ensure that your wishes are followed. An estate plan should, at the very least, include a will and/or a trust, a power of attorney for finances, and an advance health care directive. If you have underage children, the plan should also include a minor's protection plan including a power of attorney and a nomination of guardian for your kid(s). Without a plan, there's a strong chance that there will be conflict over your estate and your care, and the State of California will decide what happens to your assets and your legacy.