Wills and Trusts:

Wills

Benjamin Franklin put it best: "In this world nothing can be said to be certain, except death and taxes." Death is an unavoidable part of life, but many people become uncomfortable when thinking about or discussing their own death. For this reason, some people resist creating a will. In fact, an estimated 70% of Americans don't have a valid will. However, wills serve an important purpose.

By setting up a will that states how you would like your property and assets divided and passed on, you can help to alleviate the struggle your loved ones may face in your wake of your passing. It can also help you feel confident that your wishes will be carried out. It is important to maintain your personal assets and protect them for whatever happens in the uncertain future. While confronting your own mortality can be difficult, it is a mistake to think of a will in terms of death. Instead, a will should be viewed as what you are contributing to life.

Wills vary from simple one-page documents to elaborate volumes. The will is entirely dependent on the size of the estate and the preference of the testator (the person making the will). Wills describe the estate, those who will receive specific property (called the "devisees"), and can even include special instructions regarding minor children, gifts to charities, and the formation of trusts.

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