“I Don’t Have Millions—Do I Really Need an Estate Plan?” (Short Answer: Yes.)

Let’s get real.
Most parents I talk to think estate planning is only for the super-wealthy—you know, the people with beachfront homes, investment portfolios, and trust funds the size of small countries.

But if you’re a parent of minor children, the amount of money you have is not the most important reason to create a plan.
Your kids are.

Here’s the hard truth...

If something unexpected happens to you tomorrow—illness, accident, anything—who will take care of your children?
If you haven’t named guardians in a legally binding document, a judge will make that call. Not your sister who knows their bedtime routine. Not your best friend who helped you through colic.
A stranger in a courtroom.

Estate planning isn't about death—it's about decisions.

You're not just deciding who gets your stuff. You're making sure:

• Your kids are raised by people you trust.
  
• Your finances don’t get stuck in court for months (or years).
  
• Your loved ones avoid chaos and stress while grieving.
  
• Your values live on through your wishes and your words.
  
  

Even if you don’t think you “own much,” you likely have more than you realize—like life insurance, a car, or a bank account. Without proper planning, those assets go through probate, which can be costly, time-consuming, and public.

So what should you do?

Start with the basics:

• Name a guardian for your children.
  
• Create a will and/or a living trust.
  
• Appoint someone to make healthcare and financial decisions if you can’t.
  
• Have conversations with loved ones about your intentions.
  
  

And remember: this is not a one-size-fits-all checklist. Your family deserves a personalized plan that fits your life, your values, and your future goals.

Bottom Line?

You don’t need millions to protect what matters.
You just need a plan—and a guide to help you do it the right way.