As an estate planning attorney here in Cincinnati, I’ve had countless conversations with people who say, “I probably should get a will done… eventually.” And I get it—estate planning isn’t exactly at the top of most people’s to-do lists. But here’s the truth: you don’t need to be wealthy or nearing retirement to start estate planning.
In fact, if you’re asking yourself this question, you’re already on the right track. Let me explain why it’s worth thinking about now—and how planning ahead can save your loved ones time, stress, and even money later on.
What Estate Planning Actually Means
A lot of people think estate planning is just about writing a will. While a will is part of it, a solid estate plan is much more than that. It’s a set of legal tools that help you:
•Protect your family
•Manage your finances and property
•Make sure your wishes are honored if you become seriously ill or pass away
Your plan can include documents like:
•A Will (to name guardians and decide who gets what)
•A Trust (to help avoid probate and manage assets)
•Powers of Attorney (for financial and medical decisions if you’re unable to make them)
•A Living Will (to outline your preferences for medical care)
•And beneficiary designations on accounts like life insurance or retirement plans
So, When Should You Start?
In my professional opinion—it’s never too early to start estate planning. Waiting until retirement or a health scare can make things more complicated, both for you and your family. The best time to create a plan is when things are calm and you can think clearly.
Here are a few life moments when I recommend putting an estate plan in place (or updating the one you have):
You Turn 18
You’re legally an adult, which means no one—not even your parents—can automatically make medical or financial decisions for you. A simple power of attorney and healthcare directive can make all the difference.
You Start Your Career
As you build savings, buy property, or invest in retirement, estate planning helps protect those assets.
You Get Married or Have Children
Marriage and parenthood come with big responsibilities. A will lets you name a guardian for your kids, and a trust can provide for them financially if something happens to you.
You Buy a Home
Real estate is one of the biggest assets most people own. Planning ahead can make sure your home passes smoothly to the people you choose.
You Get Divorced or Remarry
Life changes like these should always trigger a review of your will, powers of attorney, and beneficiaries.
You Receive an Inheritance
It’s not just about having more money—it’s about protecting it and passing it on responsibly.
Don’t Fall for These Common Myths
“I’m too young.”
If you’re over 18, you’re old enough. Accidents and illness don’t wait until retirement.
“I don’t have enough assets.”
Estate planning isn’t just about money—it’s about making sure the people you care about aren’t left with a legal mess.
“It’s too complicated.”
That’s what I’m here for. I’ll walk you through every step, answer your questions, and make the process straightforward and stress-free.
Let’s Make a Plan That Works for You
So, is it time to start estate planning? If you’ve experienced any of the life changes I mentioned—or if you just want to make sure your family is protected—then yes, now’s the perfect time.
I’d be happy to help you get started. Whether you need a simple will or a comprehensive estate plan, I’ll work with you to create something that reflects your values and gives you peace of mind.
Contact our office to schedule your consultation or sign up for our upcoming Estate Planning Seminar on May 21, 2025.