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This means that a court will decide on the way your assets will be distributed, which can be a lengthy and expensive process, and it may be contrary to your wishes.",[1012],{"type":129,"attrs":1013},{"color":131},{"type":18,"content":1015},[1016],{"text":1017,"type":22,"marks":1018},"Estate planning can also reduce state, federal, and inheritance taxes. ",[1019],{"type":129,"attrs":1020},{"color":131},{"type":18,"content":1022},[1023],{"text":1024,"type":22,"marks":1025},"Additionally, the death or incapacitation of a loved one is a highly stressful event, and having an estate plan in place can prevent unnecessary conflict and confusion.",[1026],{"type":129,"attrs":1027},{"color":131},{"type":764,"attrs":1029,"content":1030},{"level":766},[1031],{"text":1032,"type":22,"marks":1033},"What is the role of an executor in an estate plan?",[1034],{"type":129,"attrs":1035},{"color":773},{"type":18,"content":1037},[1038],{"text":1039,"type":22,"marks":1040},"An executor of an estate is the person responsible for the administration of a person’s estate after their passing. ",[1041],{"type":129,"attrs":1042},{"color":131},{"type":18,"content":1044},[1045],{"text":1046,"type":22,"marks":1047},"The first duty of an executor is to locate the deceased person’s latest will and estate planning documentation. 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The final task is distributing the deceased’s assets to the beneficiaries. ",[1055],{"type":129,"attrs":1056},{"color":131},{"type":764,"attrs":1058,"content":1059},{"level":766},[1060],{"text":1061,"type":22,"marks":1062},"Who needs estate planning?",[1063],{"type":129,"attrs":1064},{"color":773},{"type":18,"content":1066},[1067],{"text":1068,"type":22,"marks":1069},"Estate planning is not reserved only for the rich. ",[1070],{"type":129,"attrs":1071},{"color":131},{"type":18,"content":1073},[1074],{"text":1075,"type":22,"marks":1076},"It is beneficial for everyone who has assets (including a simple bank account) and loved ones, especially minor children, depending on them. ",[1077],{"type":129,"attrs":1078},{"color":131},{"type":18,"content":1080},[1081,1086,1095],{"text":1082,"type":22,"marks":1083},"If you do not have an estate plan, ",[1084],{"type":129,"attrs":1085},{"color":131},{"text":1087,"type":22,"marks":1088},"the government will decide",[1089,1092,1094],{"type":31,"attrs":1090},{"href":1091,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.afcpe.org/news-and-publications/the-standard/2016-3/who-needs-an-estate-plan-everyone/",{"type":129,"attrs":1093},{"color":1007},{"type":815},{"text":1096,"type":22,"marks":1097}," what happens to your assets and dependents.",[1098],{"type":129,"attrs":1099},{"color":131},{"type":764,"attrs":1101,"content":1102},{"level":766},[1103],{"text":1104,"type":22,"marks":1105},"What is the difference between wills and estate planning?",[1106],{"type":129,"attrs":1107},{"color":773},{"type":18,"content":1109},[1110],{"text":1111,"type":22,"marks":1112},"Wills and estate planning differ. ",[1113],{"type":129,"attrs":1114},{"color":131},{"type":18,"content":1116},[1117],{"text":1118,"type":22,"marks":1119},"A will is a list of instructions for the distribution of your assets. ",[1120],{"type":129,"attrs":1121},{"color":131},{"type":18,"content":1123},[1124],{"text":1125,"type":22,"marks":1126},"An estate plan is a far broader action plan for your assets and dependents that could apply during your lifetime as well as after your passing.",[1127],{"type":129,"attrs":1128},{"color":131},{"type":18,"content":1130},[1131],{"text":1132,"type":22,"marks":1133},"A will is usually the least expensive option for deciding what happens to your assets. This makes it suitable for those who may have little in the way of finances, property, or investments. People with dependents should make a will to ensure their loved ones receive what is due to them. ",[1134],{"type":129,"attrs":1135},{"color":131},{"type":18,"content":1137},[1138],{"text":1139,"type":22,"marks":1140},"Once you acquire measurable assets or start a family, you should create an estate plan. ",[1141],{"type":129,"attrs":1142},{"color":131},{"type":764,"attrs":1144,"content":1145},{"level":766},[1146],{"text":1147,"type":22,"marks":1148},"When do you need to start estate planning?",[1149],{"type":129,"attrs":1150},{"color":773},{"type":18,"content":1152},[1153],{"text":1154,"type":22,"marks":1155},"Knowing when to start estate planning is crucial, and most financial advisors recommend that you do so as soon as you turn 18. ",[1156],{"type":129,"attrs":1157},{"color":131},{"type":18,"content":1159},[1160],{"text":1161,"type":22,"marks":1162},"As a legal adult, you are responsible for your finances, power of attorney, and healthcare. But you can start the process at any age. ",[1163],{"type":129,"attrs":1164},{"color":131},{"type":18,"content":1166},[1167],{"text":1168,"type":22,"marks":1169},"You should also update your wills and estate planning every three to five years and at every significant change in your life, such as:",[1170],{"type":129,"attrs":1171},{"color":131},{"type":775,"content":1173},[1174,1183,1192,1201,1210,1219,1228,1237],{"type":778,"content":1175},[1176],{"type":18,"content":1177},[1178],{"text":1179,"type":22,"marks":1180},"When you’ve opened a bank account",[1181],{"type":129,"attrs":1182},{"color":131},{"type":778,"content":1184},[1185],{"type":18,"content":1186},[1187],{"text":1188,"type":22,"marks":1189},"Buying a home or other real estate",[1190],{"type":129,"attrs":1191},{"color":131},{"type":778,"content":1193},[1194],{"type":18,"content":1195},[1196],{"text":1197,"type":22,"marks":1198},"Marriage and remarriage",[1199],{"type":129,"attrs":1200},{"color":131},{"type":778,"content":1202},[1203],{"type":18,"content":1204},[1205],{"text":1206,"type":22,"marks":1207},"Before traveling",[1208],{"type":129,"attrs":1209},{"color":131},{"type":778,"content":1211},[1212],{"type":18,"content":1213},[1214],{"text":1215,"type":22,"marks":1216},"After every child is born",[1217],{"type":129,"attrs":1218},{"color":131},{"type":778,"content":1220},[1221],{"type":18,"content":1222},[1223],{"text":1224,"type":22,"marks":1225},"After inheriting money or other assets",[1226],{"type":129,"attrs":1227},{"color":131},{"type":778,"content":1229},[1230],{"type":18,"content":1231},[1232],{"text":1233,"type":22,"marks":1234},"Divorce",[1235],{"type":129,"attrs":1236},{"color":131},{"type":778,"content":1238},[1239],{"type":18,"content":1240},[1241],{"text":1242,"type":22,"marks":1243},"After becoming a grandparent",[1244],{"type":129,"attrs":1245},{"color":131},{"type":764,"attrs":1247,"content":1248},{"level":766},[1249],{"text":1250,"type":22,"marks":1251},"What documents are needed for estate planning?",[1252],{"type":129,"attrs":1253},{"color":773},{"type":18,"content":1255},[1256,1261,1270],{"text":1257,"type":22,"marks":1258},"Use the following ",[1259],{"type":129,"attrs":1260},{"color":131},{"text":1262,"type":22,"marks":1263},"estate planning checklist",[1264,1267,1269],{"type":31,"attrs":1265},{"href":1266,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/banking/estate-planning-checklist",{"type":129,"attrs":1268},{"color":813},{"type":815},{"text":1271,"type":22,"marks":1272}," to ensure you have all the correct documentation.",[1273],{"type":129,"attrs":1274},{"color":131},{"type":18,"content":1276},[1277],{"text":1278,"type":22,"marks":1279},"1. Last will and testament",[1280],{"type":129,"attrs":1281},{"color":131},{"type":18,"content":1283},[1284],{"text":1285,"type":22,"marks":1286},"2. Revocable living trust",[1287],{"type":129,"attrs":1288},{"color":131},{"type":18,"content":1290},[1291],{"text":1292,"type":22,"marks":1293},"3. Guardian designations",[1294],{"type":129,"attrs":1295},{"color":131},{"type":18,"content":1297},[1298],{"text":1299,"type":22,"marks":1300},"4. Advance healthcare directive: Living will and medical power of attorney",[1301],{"type":129,"attrs":1302},{"color":131},{"type":18,"content":1304},[1305],{"text":1306,"type":22,"marks":1307},"5. Financial power of attorney",[1308],{"type":129,"attrs":1309},{"color":131},{"type":18,"content":1311},[1312],{"text":1313,"type":22,"marks":1314},"6. Insurance policies",[1315],{"type":129,"attrs":1316},{"color":131},{"type":18,"content":1318},[1319],{"text":1320,"type":22,"marks":1321},"7. Property and title deeds",[1322],{"type":129,"attrs":1323},{"color":131},{"type":18,"content":1325},[1326],{"text":1327,"type":22,"marks":1328},"It’s also wise to create another document for your executor or nominated family member with instructions on accessing safe deposit boxes, bank accounts, investments, digital currency, passwords, and your Social Security number.",[1329],{"type":129,"attrs":1330},{"color":131},{"type":764,"attrs":1332,"content":1333},{"level":766},[1334],{"text":1335,"type":22,"marks":1336},"How much does estate planning cost?",[1337],{"type":129,"attrs":1338},{"color":773},{"type":18,"content":1340},[1341],{"text":1342,"type":22,"marks":1343},"Creating your estate plan can take several weeks or more. Its price varies because each person has unique requirements. ",[1344],{"type":129,"attrs":1345},{"color":131},{"type":18,"content":1347},[1348],{"text":1349,"type":22,"marks":1350},"Some attorneys ask for a flat fee for drafting the plan, while others use an hourly rate. It might be as low as $150 - $200 for a straightforward will. In contrast, an attorney may charge you $300+ per hour for a more complicated plan. ",[1351],{"type":129,"attrs":1352},{"color":131},{"type":764,"attrs":1354,"content":1355},{"level":766},[1356],{"text":1357,"type":22,"marks":1358},"Is estate planning tax deductible?",[1359],{"type":129,"attrs":1360},{"color":773},{"type":18,"content":1362},[1363],{"text":1364,"type":22,"marks":1365},"Certain taxes apply when a person passes away, but they may also come with exemptions. ",[1366],{"type":129,"attrs":1367},{"color":131},{"type":18,"content":1369},[1370,1375,1384],{"text":1371,"type":22,"marks":1372},"The ",[1373],{"type":129,"attrs":1374},{"color":131},{"text":1376,"type":22,"marks":1377},"exemption limit on estate tax",[1378,1381,1383],{"type":31,"attrs":1379},{"href":1380,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax",{"type":129,"attrs":1382},{"color":813},{"type":815},{"text":1385,"type":22,"marks":1386}," is $13.6 million for a single person and twice that for a married couple.",[1387],{"type":129,"attrs":1388},{"color":131},{"type":18,"content":1390},[1391,1400],{"text":1392,"type":22,"marks":1393},"Gift tax",[1394,1397,1399],{"type":31,"attrs":1395},{"href":1396,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/the-gift-tax-rate-what-you-need-to-know",{"type":129,"attrs":1398},{"color":813},{"type":815},{"text":1401,"type":22,"marks":1402}," is payable when you give a financial gift to a beneficiary, but there is an exclusion limit of $18,000 per person per year, and married couples can gift $36,000 per person.",[1403],{"type":129,"attrs":1404},{"color":131},{"type":18,"content":1406},[1407],{"text":1408,"type":22,"marks":1409},"Some states levy inheritance taxes on will beneficiaries. Some may exempt children and spouses, and others may have a financial threshold before the tax kicks in.",[1410],{"type":129,"attrs":1411},{"color":131},{"type":18,"content":1413},[1414,1419,1428],{"text":1415,"type":22,"marks":1416},"Smart estate planning can ",[1417],{"type":129,"attrs":1418},{"color":131},{"text":1420,"type":22,"marks":1421},"mitigate these taxes",[1422,1425,1427],{"type":31,"attrs":1423},{"href":1424,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/how-to-avoid-estate-tax",{"type":129,"attrs":1426},{"color":813},{"type":815},{"text":1429,"type":22,"marks":1430},". You could give assets to your heirs while you’re still living, make charitable donations, transfer assets to an irrevocable trust, or establish a qualified personal residence trust (QPRT).",[1431],{"type":129,"attrs":1432},{"color":131},{"type":764,"attrs":1434,"content":1435},{"level":766},[1436],{"text":1437,"type":22,"marks":1438},"How are survivorship life insurance policies helpful in estate planning?",[1439],{"type":129,"attrs":1440},{"color":773},{"type":18,"content":1442},[1443,1452],{"text":1444,"type":22,"marks":1445},"Survivorship life insurance policies",[1446,1449,1451],{"type":31,"attrs":1447},{"href":1448,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.progressive.com/answers/survivorship-life-insurance/",{"type":129,"attrs":1450},{"color":1007},{"type":815},{"text":1453,"type":22,"marks":1454}," cover two people and will only pay out the death benefit when both of them have died. ",[1455],{"type":129,"attrs":1456},{"color":131},{"type":18,"content":1458},[1459],{"text":1460,"type":22,"marks":1461},"Married couples often choose this option to leave money to their offspring or fund the lifetime care of a family member. These insurance policies may have tax advantages.",[1462],{"type":129,"attrs":1463},{"color":131},{"type":18,"content":1465},[1466],{"text":1467,"type":22,"marks":1468},"Policyholders can cite a trust or their estate as the policy beneficiary, allowing it to pay any debts, taxes, and other expenses. This helps preserve the estate’s value, ensuring that your beneficiaries don’t have to pay those expenses from their inheritance.",[1469],{"type":129,"attrs":1470},{"color":131},{"type":764,"attrs":1472,"content":1473},{"level":766},[1474],{"text":1475,"type":22,"marks":1476},"Get expert financial advice",[1477],{"type":129,"attrs":1478},{"color":773},{"type":18,"content":1480},[1481],{"text":1482,"type":22,"marks":1483},"If you have assets and dependents, estate planning is the responsible thing to do. It wraps up all your intentions for your assets and heirs into a watertight legal package, allowing you to provide for your loved ones upon your death and care for yourself upon incapacitation. ",[1484],{"type":129,"attrs":1485},{"color":131},{"type":18,"content":1487},[1488,1493,1501],{"text":1489,"type":22,"marks":1490},"Let Unbiased match you with a ",[1491],{"type":129,"attrs":1492},{"color":131},{"text":806,"type":22,"marks":1494},[1495,1498,1500],{"type":31,"attrs":1496},{"href":1497,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?_gl=1%2a1k3247i%2a_gcl_au%2aMTQzODI5MzE1LjE3MTg4ODc2NzY.%2a_ga%2aODE5OTk4MDgxLjE3MTg4ODc2Nzc.%2a_ga_2L93GWDPD4%2aMTcxODg4NzY3Ni4xLjEuMTcxODg4NzY5My40My4wLjA.",{"type":129,"attrs":1499},{"color":1007},{"type":815},{"text":1502,"type":22,"marks":1503}," who can give you expert advice on planning your estate and managing your money.",[1504],{"type":129,"attrs":1505},{"color":131},"article-rich-text",[1508],{"_uid":1509,"image":1510,"title":1513,"component":1527,"breadcrumbs":558},"3486a900-bc3d-4aed-aa33-a980c6931918",{"alt":12,"name":12,"title":12,"filename":1511,"copyright":12,"fieldtype":1512},"https://a.storyblok.com/f/185166/900x450/fa3888d18c/what-is-estate-planning.jpg","asset",{"type":15,"content":1514},[1515],{"type":18,"content":1516},[1517,1519,1525],{"text":1518,"type":22},"What is ",{"text":1520,"type":22,"marks":1521},"estate planning",[1522],{"type":25,"attrs":1523},{"class":1524},"primary-gradient",{"text":1526,"type":22},", and why is it important?","app-hero",{"name":1529,"created_at":1530,"published_at":1531,"updated_at":1532,"id":1533,"uuid":1534,"content":1535,"slug":1545,"full_slug":1546,"sort_by_date":34,"position":1547,"tag_list":1548,"is_startpage":543,"parent_id":1549,"meta_data":34,"group_id":1550,"first_published_at":1551,"release_id":34,"lang":730,"path":34,"alternates":1552,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1536,"_uid":1537,"name":1529,"image":1538,"component":1541,"education":1542,"expertise":1543,"description":1544},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1539,"alt":12,"name":12,"focus":12,"title":12,"filename":1540,"copyright":12,"fieldtype":1512,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1554,1574],{"_uid":1555,"body":1556,"title":1572,"component":1573},"e6aafc15-aaff-4b06-be16-25d10bd3f456",[1557,1560,1564,1568],{"_uid":1558,"href":1424,"text":1559,"component":542,"openInNewWindow":543},"bdbf4669-4fb0-410e-af6c-8514829880e1","How to avoid estate tax",{"_uid":1561,"href":1562,"text":1563,"component":542,"openInNewWindow":543},"a46801c7-46db-4320-a61c-dba3fcc69e3e","https://www.unbiased.com/discover/budgeting-savings/how-to-spot-real-estate-agents-tricks","How to spot real estate agents’ tricks",{"_uid":1565,"href":1566,"text":1567,"component":542,"openInNewWindow":543},"2e2c0013-9009-40ff-8545-68afcf60e232","https://www.unbiased.com/discover/budgeting-savings/new-home-checklist-what-to-do-when-you-move-into-a-new-house","New home checklist",{"_uid":1569,"href":1570,"text":1571,"component":542,"openInNewWindow":558},"63ccf1d2-2245-40bc-9a30-24e4d147316a","https://www.unbiased.com/discover/financial-advice/estate-planning-financial-advisor","Estate planning financial advisor","Related articles","app-links-list",{"_uid":1575,"list":1576,"cta_link":810,"cta_text":1577,"component":1578,"window_label":12,"window_title":1579},"55e81ef1-220b-462a-a7b0-0b047a9516ee","A financial advisor can give you expert advice and help you develop a comprehensive plan","Match with a financial advisor now","app-banner",{"type":15,"content":1580},[1581],{"type":18,"content":1582},[1583],{"text":1584,"type":22},"Need help estate planning?",{"title":1586,"plugin":1587,"og_image":12,"og_title":12,"description":1588,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Estate Planning: What You Need to Know | Unbiased","seo_metatags","Discover the essentials of estate planning to know how to secure your assets and protect your loved ones. ","app-article",[],[],"Understand estate planning to ensure your assets end up where you want and are managed correctly.",[],"what-is-estate-planning","discover/retirement/what-is-estate-planning",480,[],365223437,"12e2000b-57b4-482b-96ce-fe28425cecea","2023-08-30T14:45:30.840Z",[],{"left":727,"top":727,"width":1603,"height":1603,"rotate":727,"vFlip":543,"hFlip":543,"body":1604},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1606,1609,1610],{"title":1607,"exact":558,"href":1608},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1611,"disabled":558},"/discover/retirement/what-is-estate-planning",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1613},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777454380593]