The year 2020 was challenging for everyone. Parents assumed the role of teachers and tutors, family members became primary caregivers, loved ones were lost, and everyone had to adapt to the "new normal." Areas in our lives that required additional support, and the need for improvement in communication with our families, friends and advisers were highlighted. Individuals were forced to ask the question: "What if?" What if something happened to me and my spouse, what if my business lost its leader, what if I had to take control of my family's future?