The late afternoon sun cast long shadows across the manicured lawns of Del Mar, but inside the modest home of the Ramirez family, a different kind of darkness was settling in. Maria and David Ramirez, both in their early forties, had always considered estate planning something for “later,” for when they were older, wealthier, perhaps even facing health concerns. They owned a comfortable home, a modest savings account, and were diligently building a college fund for their daughter, Sofia. However, a sudden and unexpected medical diagnosis for David left them reeling, and the realization that “later” might not arrive prompted a frantic search for a revocable trust attorney near their 92115 zip code.