Most people think estate planning is something that matters only after they’re gone. But one of the biggest risks families overlook is what happens if you’re still here  but can’t make decisions for yourself. It’s not a fun topic, but it’s one of the most important steps you can take to protect yourself and your loved ones. What “Incapacity” Really Means in Ontario In Ontario, incapacity  means you’re unable to understand information or make decisions about your finances, pro