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I had seen enough over the years to trust my instincts. Something was unfolding behind my back. The next morning over breakfast, April casually brought up estate planning.
She asked if I’d ever considered simplifying my accounts. Said she read that joint accounts were easier for emergencies. Then she mentioned her friend’s mother, who had put everything in a trust for her kids, so there were no questions later on.
It was about clarity—about preparing for the future, about peace of mind. Russell added that he could help with paperwork if needed. He’d done it for clients.
He had templates. He could make the process smooth. I looked down at my cereal.
The milk had gone warm. The spoon felt heavy in my hand. That same afternoon, I called my financial adviser from my car.
I didn’t want to speak inside the house. I told him to set alerts on all transfers, block any changes, and flag activity from unknown devices. He asked if everything was okay.
I said it was a precaution. Just in case. By the end of that week, April handed me a packet of documents.
She said she had gone ahead and drafted a sample transfer of authority just to get the ball rolling. Her tone was casual, like she was offering me a cookie recipe. Her eyes, though, stayed fixed on mine a beat too long.
I didn’t open the packet. I set it aside and asked her how the kids were doing in school. She didn’t push further.
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