Sanford “Sandy” Schmidt is a financial advisor and the Founder and Chairman of Schmidt Financial Group. With more than three decades of experience, he focuses on helping affluent families protect, manage, and grow their wealth through strategic financial planning. He holds professional designations including CFP®, ChFC, and CLU, reflecting his expertise in financial planning and wealt... https://medium.com/@maya_57040/three-critical-reasons-estate-plans-fail-when-families-need-them-most-and-what-to-do-0ce081ad2943