​ One of my biggest concerns involves the lack of planning which exists for our children who have reached that "invincible" stage in life, from age 18 to 30, or so. Those who get married at these ages do not think about wills, powers of attorney or advance medical directives until a child is on the way or has arrived. With respect to financial and medical decisions, they are better off than their unmarried peers as the spouse will largely be able to serve as a financial and