Paper on Estate Planning (3–5 pages)
Evaluate the tools commonly used in estate planning, including trusts, life insurance, and annuities. Compare the tools as to how they would apply for a couple in their mid-50s who are classified as middle-income earners, with no dependents (two adult children), who will have Social Security benefits, and who will have retirement plan income from 401(k)s. Make a recommendation for an estate plan for the couple.

This paper comprises 16% of your final grade. The grading criteria include:
• A minimum of three cited resources
• Rationale used for the proposed estate plan
• Simplicity of explanation
• Grammar