Narrative
The songs do not die with the writer, but without a plan, the money has nowhere to go.
Take an established client in mid-career whose back-catalogue (several albums, two , and a library of co-writes) generates every quarter without any active work.
The question few teams ask in time: "What happens to all of this when the client dies?"
Many working artists have no will and no idea who would inherit the rights. The common assumption is that it would just sort itself out.
It won't, and that gap is precisely where the adviser earns their place.