pd before the blackout period ??? ??? ??? blackout period time when you stop getting benefits to the time you get SS and other benefits ??? ??? ??? bequest donate; gift ??? ??? ??? Financial planning process 1) gather info 2) establish objectives 3) analyze info 4) develop a plan (write will) 5) implement plan 6)monitor and take corrective action ??? ??? ??? intestate die w/o will ??? ??? ??? livi