Did you know that over 67% of Americans do not have a will? That means the majority of people are leaving some of life’s most important decisions up to chance — or the courts.

National Make-A-Will Month is the perfect time to take control of your future. Whether you’re just starting a family, building wealth, or simply want peace of mind, creating a will is one of the most important things you can do for yourself and your loved ones.

Why Should You Have a Will?

If you’re wondering where to start, begin with understanding what a will actually does. A will is more than just a legal document — it’s a personal plan for the people and possessions you care about most. Here’s what it can do:

•  Protect your children’s future by naming a guardian
•  Ensure your wishes are honored regarding property, assets, and heirlooms
•  Avoid family conflict by providing clear directions
•  Speed up the legal process, saving time and stress for your loved ones

Common Terms You Should Know

While this article is not a substitute for legal advice, understanding a few key terms can help you feel more confident:

• Estate – Everything you own at the time of your death (real estate, money, belongings, etc.)
• Non-probate property – Assets that pass directly to beneficiaries (like life insurance or joint accounts) and are not governed by your will
• Intestate – Dying without a will, in which case the state decides how your estate is distributed

First Step: Start the Conversation

The first step to making a will is simple: commit to starting. Then:

1. Take inventory of your assets – Include everything from property to sentimental items
2. Decide who should inherit what
3. Choose a guardian for your children or dependents
4. Name an executor – This is the person responsible for carrying out your wishes
5. Consult a trusted legal or financial professional to help you draft a will that meets your state’s requirements

Don’t Leave Your Loved Ones Guessing

You’ve worked hard to build your life — don’t leave important decisions up in the air. Planning with a purpose now can provide clarity, comfort, and protection for the people you love most.

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