A conversation with a family years ago illustrates why planning matters. They had just lost a loved one, and instead of grieving, they were caught in chaos – disagreements over property, arguments about family heirlooms, and a probate process that dragged on for months. The reason was simple: there was no will in place.

It’s a story that’s all too common. According to AARP, more than half of American adults don’t have a will. That means millions of families face unnecessary stress during one of life’s hardest times. The truth is, creating a will isn’t just about dividing assets; it’s about protecting your loved ones and preserving your wishes.

This article isn’t here to scare you. Instead, it’s here to empower you – to show why this step is essential and how you can start today with confidence.

The Importance of Make a Will Month

Every August, Make a Will Month shines a spotlight on something we often avoid: planning for the future. But this reminder is about more than paperwork, it’s about ensuring that your voice is heard, even when you can’t speak for yourself.

For older adults, this becomes especially vital. Life has given you years of memories, relationships, and possessions that matter deeply. A will ensures they’re honored in the way you choose.

What Happens If You Don’t Have a Will

Here’s the reality: if you die without a will, the state decides how your property is distributed. This process, known as intestate succession, doesn’t take your personal wishes or family dynamics into account.

Without clear guidance:

• Family disagreements often erupt over sentimental items and finances.

• The court system can tie up your estate for months, even years.

• Beneficiaries you never intended could inherit your assets.

I’ve seen families fall apart over these disputes. Not because of greed, but because grief mixed with uncertainty creates tension. AARP offers an excellent guide on what happens without a will if you want to learn more.

How Creating a Will Protects Your Loved Ones

Think of a will as a roadmap. Without it, your loved ones are driving blind. With it, they know exactly what you wanted, and they can honor that without stress or confusion.

Here’s what a will does:

• Clarifies your wishes so nothing is left to guesswork.

• Provides fairness in dividing property and assets.

• Designates guardians for minors or dependents, ensuring they’re cared for by the people you trust most.

How Estate Planning Brings Peace of Mind

When older adults talk about retirement, one theme comes up again and again: peace of mind. Having a will is one of the most powerful ways to achieve that.

It’s not just about money, it’s about freedom from worry. Many residents at Friends House share how relieved they feel after completing their estate plans. They know their families won’t face added stress and that their wishes will be honored exactly as intended.

Starting Your Will: Where to Begin

The first step is always the hardest, but it’s easier than you think. Here’s how to start:

• Take an inventory of your assets: Include your home, savings accounts, retirement funds, investments, and personal items that hold value.

• Decide who your beneficiaries will be: Be specific to avoid disputes.

• Choose an executor: This is the person you trust to carry out your wishes.

• Consult an attorney: DIY will kits exist, but an attorney ensures compliance with your state’s laws and protects against costly mistakes.

Need more guidance? Nolo’s comprehensive guide to wills and estates is an excellent starting point.

Common Mistakes People Make When Writing a Will

Many well-intentioned people make these mistakes:

• Forgetting to update their will after major life changes (marriage, divorce, new children).

• Leaving out digital assets like online accounts or cryptocurrency.

• Failing to properly sign and witness the will.

Avoid these pitfalls by reviewing your will regularly and working with a professional when needed.

Beyond the Will: Complete Planning for Your Future

A will is the cornerstone of your estate plan, but it’s only one piece. For true security, consider:

• Advance healthcare directives to state your medical care preferences.

• Powers of attorney to authorize someone you trust to make decisions if you’re unable.

• Charitable giving if leaving a legacy to a cause you care about matters to you.

To learn more about these tools, check out Investopedia’s guide to estate planning basics.

How Planning Changed Lives

One resident described sleeping better the night their will was finalized—a sense of calm that many share after completing this important step. Another family expressed gratitude that their mother had prepared everything in advance. There were no arguments, no confusion—just a smooth process that allowed them to focus on what truly mattered: honoring her life with love.

FAQs About Creating a Will

What happens if I die without a will?
The state distributes your assets according to intestate laws, which may not align with your wishes.

Can I write a will without a lawyer?
Yes, but legal guidance ensures accuracy and compliance with state laws.

How often should I update my will?
Every three to five years, or after major life changes like marriage, divorce, or the birth of a child.

What other documents should I include in estate planning?
Advance directives, powers of attorney, and possibly a trust for complex estates.

Does creating a will affect my retirement benefits?
No, but it ensures other assets are distributed according to your preferences.

Final Thoughts: Your Future, Your Terms

Creating a will is more than a legal formality. It is a gift to your loved ones. It spares them uncertainty, protects your legacy, and brings peace of mind.

If you need additional resources or would like to include Friends House as part of your legacy, contact our Fund Development Director, Anne Derby, at ADerby@FriendsHouse.com. We are here to help you make informed decisions that reflect your values and wishes.