Not at all. If you have family, a home, a retirement account, or any assets you want to pass on, you need an estate plan. Without one, the state decides what happens to everything you've built.

Your estate goes through a legal process called intestate succession, meaning the state distributes your assets according to its own rules, not yours. This can be a lengthy, expensive, and painful process for your family.

For certain documents like wills and powers of attorney, yes, a licensed attorney needs to prepare them. We work with trusted legal partners to make sure everything is done correctly and legally binding.

Any major life change: marriage, divorce, a new child, a significant asset, or a death in the family, is a reason to revisit your plan. We recommend a review every three to five years at minimum.

A will directs where your assets go after you pass. A trust can do that and more, including protecting assets during your lifetime and avoiding the probate process. We'll walk you through both during your review so you know which is right for your situation.