Estate planning is how you decide who gets what, who handles things if you can’t, and how to spare your family from court, taxes, and conflict after you’re gone. A complete plan is rarely about money alone — it covers medical decisions, guardianship, charitable wishes, and the practical mechanics of transferring accounts. These guides walk through the foundational documents and decisions, the tools that pass assets cleanly outside of probate, and the life events — divorce, widowhood, long-term care — that should trigger a review.
Start Here: Foundational Concepts
Three guides that anchor everything else. Estate planning as a discipline, the beneficiary designations that quietly control more of your assets than your will does, and the inherited-IRA rules that catch many heirs by surprise — especially since the SECURE Act changed the timeline.
What Is Estate Planning?
The full picture: wills, trusts, powers of attorney, advance directives, and beneficiary designations — what each one does and which combinations most households need.
What Is a Beneficiary?
Beneficiary designations on IRAs, 401(k)s, life insurance, and bank accounts override your will. Why getting these right is the single highest-leverage estate move most people overlook.
Inherited IRA Rules
What heirs need to know about the 10-year rule, RMDs on inherited retirement accounts, and the tax traps that can erase a significant portion of an inheritance.
Estate Tools & Life-Stage Decisions
Specific tools and life events that change what an estate plan needs to cover — from how a joint account passes to a survivor, to how divorce splits retirement accounts, to how long-term care can quietly drain an estate before it ever transfers.
Life Insurance for Seniors
How life insurance fits into an estate at 60+: final-expense policies, whether to keep existing coverage, and how proceeds pass to beneficiaries outside of probate.
Survivor Benefits Guide
Social Security survivor benefits for widows and widowers — eligibility, claim timing, how remarriage affects benefits, and what the surviving spouse’s monthly check actually looks like.
Joint Bank Accounts
Joint tenancy with right of survivorship, payable-on-death accounts, and how each option transfers cash outside probate — plus the risks of adding someone to your account for "convenience."
Selling Home in Retirement: Capital Gains
The $250K/$500K capital-gains exclusion, the stepped-up basis for inherited homes, and how the sale of a primary residence interacts with the rest of an estate.
Retirement & Divorce
Splitting 401(k)s and pensions through a QDRO, dividing IRAs, the impact on Social Security claims, and the estate-plan updates that absolutely have to follow a divorce.
How to Plan for Long-Term Care Costs
Long-term care can consume $100K+ per year. How LTC insurance, Medicaid planning, and home equity protect (or expose) the assets you intended to pass on.
The Six Core Documents & Concepts
The vocabulary of estate planning — what each document actually does, who it’s for, and how the pieces fit together. Read these six in any order; together they cover roughly 80% of what most households need to understand before sitting down with a planning attorney.
What Is a Will?
The cornerstone document of nearly every estate plan. What a will controls, what it doesn’t (beneficiary designations override it), DIY vs attorney, and when to update.
What Is a Trust?
Revocable vs irrevocable, the common types (living trust, ILIT, special-needs, QTIP, charitable), what they cost, and when they save real money — or don’t.
What Is Power of Attorney?
Durable vs springing, financial vs healthcare, what your agent can do, how to choose well, and why an outdated or non-durable POA causes the worst problems at the worst time.
What Is an Advance Directive?
Living wills, healthcare powers of attorney, and POLST/MOLST forms — what end-of-life decisions they cover, and how to get the right state form for free.
What Is Probate?
The court process for settling an estate — what goes through it vs passes outside, typical time and cost (2–7% of estate), and the strategies that actually avoid it.
What Is an Executor?
The executor role: 6–18 month timeline, what they actually do, compensation, fiduciary duty and personal liability, and how to choose (or decline) the role.
Practical Estate Planning Decisions
Six tactical guides that turn the concepts into action — how to actually write the will, who to name as guardian, how to handle digital assets and crypto, when to update the plan, the blended-family traps that catch most people, and the funeral document that spares your family in the hardest week.
How to Write a Will
Step-by-step: what to gather, the decisions a will has to make, DIY vs attorney, signing correctly (where most DIY wills fail), where to store the original.
Naming Guardians for Minor Children
The highest-stakes decision in any parent’s estate plan. Guardian of the person vs estate, how to choose, the conversation to have, naming backups, how the money side works.
Digital Asset Estate Planning
Passwords, crypto, email, photos, online accounts. RUFADAA priority order, platform legacy tools, password-manager handoff, and why self-custody crypto without a seed-phrase plan is permanently lost.
When to Update Your Estate Plan
Calendar reviews every 3–5 years plus triggered reviews after marriage, divorce, births, deaths, moves, and major financial changes — with the review checklist to work through.
Estate Planning for Blended Families
Why the default plan (“everything to my spouse, then to the kids”) often leaves the deceased’s children with nothing. QTIP trusts, ILITs, beneficiary carve-outs, and the conversations to have.
Funeral and Final Arrangements
Pre-planning without pre-paying, organ donation, typical costs ($700 direct cremation to $15,000 traditional burial), and the one-page final instructions document that spares your family in the hardest week.
Estate Taxes, Trusts & Advanced Strategies
Six guides for the next layer of planning — choosing between a living trust and a will, keeping assets out of probate, how estate and gift taxes actually work (most families owe nothing), protecting a loved one with a disability without losing their benefits, and giving to the causes you care about in a tax-smart way.
Living Trust vs Will
They do different jobs, and many families use both. Probate, privacy, cost, incapacity, and guardians compared — and why a trust only works if it’s actually funded.
How to Avoid Probate
Much of your estate can pass to heirs outside probate. Beneficiary designations, POD/TOD registrations, a living trust, and survivorship ownership — plus the mistakes that send assets back to court.
Estate Taxes Explained
Most estates owe no federal estate tax — only the amount above a very high exemption. Estate vs inheritance tax, state death taxes, the marital deduction, and step-up in basis.
Gift Tax & Gifting Strategies
Almost no one pays gift tax. The annual exclusion, the lifetime exemption backstop, gifts that don’t count at all, and strategies to help family while shrinking a taxable estate.
Special Needs Trusts
An inheritance can disqualify a loved one with a disability from Medicaid and SSI. How a special needs trust provides for them while preserving benefits — and the two main types.
Charitable Giving in Your Estate Plan
Support the causes you care about and give tax-efficiently. Bequests and beneficiary designations, donor-advised funds and charitable trusts, and how to get the most impact.
Latest Estate Planning Articles
- Charitable Giving in Your Estate Plan
An estate plan is a chance to support the causes you care about — and give tax-efficiently. Simple bequests and beneficiary designations, donor-advised funds and charitable trusts, and how to get the most impact from your giving. - Special Needs Trusts
An inheritance can disqualify a loved one with a disability from Medicaid and SSI. A special needs trust provides for them while preserving benefits. The problem it solves, how it works, the two main types, and how to get it right. - Gift Tax and Gifting Strategies
Almost no one pays gift tax. How the annual exclusion lets you give tax-free every year, why larger gifts still rarely cost anything, the gifts that don’t count at all, and smart strategies to help family and shrink a taxable estate. - Estate Taxes Explained
Most estates owe no federal estate tax — only the amount above a very high exemption is taxed. How the federal estate tax works, estate vs inheritance tax, the marital deduction and step-up in basis, and how large estates reduce the tax. - How to Avoid Probate
Probate can be slow, public, and costly — but much of your estate can pass to heirs outside it. The main tools: beneficiary designations, POD/TOD registrations, a living trust, and survivorship ownership, plus the mistakes to avoid. - Living Trust vs Will: Which Do You Need?
A will goes through public probate; a funded living trust passes assets privately and helps with incapacity. What each does, the key differences, why most people need a will either way, and how to choose.
Looking for more Estate Planning? View all Estate Planning articles →
Related Sections
Free Legal Aid Programs — Low- and no-cost legal help for wills and estate matters if hiring an attorney isn’t feasible.
Scams & Fraud Protection — Older adults are heavily targeted by financial exploitation; protecting assets is part of estate planning.
Retirement Planning — The full retirement library: RMDs, withdrawal strategies, Roth conversions, and more.
Social Security — Spousal, survivor, and divorced-spouse benefits that feed into estate planning.
Insurance — Life insurance, long-term care insurance, and umbrella coverage that protect heirs from claims and costs.
Taxes — Federal and state estate-tax rules, gift-tax exclusions, and capital-gains rules on inherited assets.
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