Someone has to inherit your assets, and if you don’t decide, state laws will do it for you. That means your awful Great Uncle Ed may inherit, while your beloved cousin Mary may get nothing. That’s only one reason to get busy.

Here are some considerations if you find yourself struggling:

Plan for Incapacity

Every adult should have an advanced directive for health care and a durable power of attorney for legal and financial decisions. These documents allow you to determine who will be in charge of your medical and legal affairs in the event you are no longer able to make these decisions for yourself. Not even a spouse has the legal right to make certain decisions for you without these documents. And, if you become incapacitated without these documents in place, your closest relatives will be involved in a court proceeding known as a guardianship or conservatorship to appoint someone (who you may not know) to be in charge of these decisions for you.

Consider a Trust

A trust is a legal document that can be used to manage many of your assets during your life, and act as a substitute for your will when you die. It has two main advantages: A trust helps avoid probate at your death and it allows you to give an inheritance in a protected and private way.

Without at least a will, your closest living relatives (determined by laws in your state called intestacy) could inherit your assets. Even if you have a will, the probate process typically requires these relatives to receive notice of the proceeding, giving them an opportunity to intercede and find out information about all of your assets.

The best way to avoid these issues is to create a trust. During your life you should have your trust own most of your assets (except, for example a retirement account, which has a beneficiary designation). This is known as funding your trust, and it helps avoid probate for assets titled in the name of your trust.

Who’s In Charge?

In your Trust you’ll need to appoint a person who will be in charge after you’re gone, known as a successor Trustee. (During your life you can be the Trustee and manage your own assets.) A Trustee can be a person or an entity such as a financial institution. The Trustee will make sure your assets are distributed the way your Trust states. It’s very important to make sure you choose a Trustee who is responsible, responsive and organized.

What to Do with Your Assets

This can be the decision that people struggle with most. Many times, people will want to make sure their parents are taken care of. However, since most of us will survive our parents, successor beneficiaries need to be named. Nieces and nephews are typically benefited. However, others to consider are friends, pets and charities. Your attorney can review the best way to leave your assets so that distant family members will have difficulty contesting your decisions.

Charities can also be included in the estate plan. Charitable bequests can take the form of a specific bequest for a general or specific purpose. If the charitable gift is to be significant, the charity can be contacted beforehand to ensure that your gift is used, and recognized, in the way that makes you most comfortable.

Don’t Forget About the Pets

Your estate plan can help establish who will take care of your furry loved ones when you are no longer around. This can be done by leaving the pet and some money to a trusted friend or loved one. Or, you can set up a formal pet trust to provide for your pet. Whatever you choose, the important thing is to make a plan so that you pet can be properly cared for if you are no longer able to do so.

The bottom line when it comes to estate planning is you have the right to determine who will inherit your assets. In order to ensure your wishes are carried out as you intended, it is crucial to have the proper planning in place to avoid probate and allow for a seamless transfer.

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