The aroma of saltwater and jasmine usually brought a sense of peace to Maria and David Sanchez, residents of Point Loma, but lately, a gnawing anxiety had replaced it. Their daughter, Sofia, a bright college student, had just completed her freshman year, and they were finally beginning to seriously consider the ramifications of their financial future and, crucially, what would happen if one of them were no longer around to provide for her. They hadn’t gotten around to formal estate planning, assuming they had plenty of time, a common mistake for families in their stage of life.