Will your children or grandchildren be prepared for retirement in 40 to 60 years? Are they too young for you to think about that? Perhaps not. Can they count on Social Security? Can they count on their employer providing a retirement plan or the stock market guaranteeing their future? Or will they have to count on . . . “the kindness of strangers” in their retirement years? YOU can provide them with an asset to help cover life’s uncertainties.