If you are over the age of 18 and of sound mind, you should have estate planning. You must have estate planning if you: (1) have minor or special needs children or a spouse with special needs; (2) are married and have a net worth (including the face value of life insurance) of more than $1 million; (3) have a blended family; or (4) own a business. For most people, estate planning involves the preparation of a will, durable power of attorney, health care power of attorney, and physician