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and with that i will um pass it off to our director of estate solutions sarah hillier take it away sarah thanks so much carrie uh appreciate that uh warm intro and uh welcome everyone were happy to have you here with us today covering this very important topic uh were gonna were gonna uh dive right into the uh the the uh whats an estate plan and why you need one uh and and i put we put here hint having a will isnt enough um some of you may be aware of that but were definitely gonna cover why exactly um that is im going to share a few things with you here right away uh just walk you through our sort of agenda for the day um and and what exactly were going to be covering so you can see here um the timeline will be uh under an hour and im going to do a quick introduction of myself as well as clear estate and um of course youve already met carrie whos helping us today and you can feel free to engage in the chat with others tell us where youre joining from wed love to hear from