Let’s be honest: the words “estate planning” can feel intimidating. It sounds like something complicated, expensive, or reserved for people with sprawling assets and private islands. But here’s the truth—estate planning is for everyone, and getting started doesn’t have to be overwhelming.
In fact, taking just a few simple steps now can help protect your loved ones, your property, and your peace of mind for years to come.
At Staab Law, we know that estate planning can feel overwhelming—that’s totally normal. But it really doesn’t have to be. I’ve broken it down into five manageable steps that I walk my clients through all the time. You can absolutely do this.
Step 1: Take Inventory of What You Own
Before you dive into legal documents, take a moment to jot down what you own. Don’t worry about formal valuations—just get a general idea of your assets. This includes:
- Your home or other real estate
- Checking and savings accounts
- Retirement accounts (401(k), IRA)
- Life insurance policies
- Vehicles
- Valuable personal property (jewelry, heirlooms, collectibles)
- Business interests
- Digital assets (cryptocurrency, domain names, online accounts)
Knowing what you have is the first step in deciding how to protect it and who should receive it.
Step 2: Choose the Right People for Key Roles
Estate planning isn’t just about distributing your “stuff”—it’s also about choosing the right people to help manage things if you can’t.
Here are the key roles to consider:
- Executor (or Personal Representative)
This person carries out your will and manages the probate process after you pass. Choose someone responsible, organized, and trustworthy.
- Guardian for Minor Children
If you have young children, this may be the most important decision in your plan. You can also name a backup, just in case.
- Health Care Surrogate
This person will make medical decisions for you if you’re unable to act on your own behalf.
- Durable Power of Attorney
This person will manage your financial affairs if you’re incapacitated—paying bills, accessing accounts, handling taxes, etc.
You don’t have to choose the same person for every role. Think about each individual’s strengths and your level of trust in them. We will talk through it with you.
Step 3: Think About Your Goals and Values
Before drafting documents, reflect on what’s most important to you. Everyone’s estate plan is a little different because it’s based on your personal goals and values.
Here are some guiding questions:
- Do you want to avoid probate?
- Is privacy a concern?
- Do you want to make charitable gifts or leave something to a non-family member?
- Do you have children or dependents with special needs?
- Are you concerned about protecting assets from lawsuits, creditors, or remarriage after your death?
Knowing your “why” helps guide the structure of your plan—and ensures it reflects what matters most to you.
Step 4: Meet with an Estate Planning Attorney
Here’s the step that brings it all together: meeting with a professional who can turn your goals and ideas into a legally sound, personalized plan.
An experienced estate planning attorney (like us!) will:
- Help you decide whether a will or trust is best for your situation
- Draft documents that meet Florida legal requirements
- Explain what each part of your plan does
- Review beneficiary designations and asset titles
- Ensure your plan avoids unnecessary taxes or delays
Trying to piece together an estate plan from online forms can lead to costly mistakes down the line. I have seen this firsthand in my practice. Every family is different—and so is every plan.
Step 5: Keep It Updated (and Tell Someone Where It Is!)
Creating your estate plan isn’t a “set it and forget it” task. It’s important to review and update your documents as life changes.
Here are some events that should prompt a review:
- Marriage or divorce
- Birth or adoption of a child
- Death of a spouse or beneficiary
- Moving to a new state
- Acquiring or selling major assets
- Changes in your health or financial situation
Also, make sure your key people—like your executor or health care surrogate—know that you’ve created an estate plan and where to find the documents. You don’t need to share every detail, but they should know what their role is and how to access what they need.
Bonus Tip: Don’t Let Perfection Hold You Back
One of the biggest obstacles people face is the idea that their plan has to be “perfect” before they start. But here’s the thing: an imperfect plan is still better than no plan at all.
You can always revise, refine, and update over time. The most important step is simply getting started.
The Staab Law Approach: Clear, Friendly, and Tailored to You
At Staab Law, we believe estate planning doesn’t have to be intimidating. We guide you through the process with clarity and compassion—so you feel confident, not confused.
Whether you need a simple will, a full trust-based plan, or help figuring out your goals, we’re here to walk you through each step with zero pressure and even a sense of humor where appropriate.
We offer flat-fee packages and consultations designed to meet you where you are—no stress, no judgment, just good planning.
Final Thoughts: It’s Easier Than You Think
Taking the first step is the hardest part, but once you do, everything gets easier. Whether you’re starting from scratch or just need a refresh, We are here to help you move forward with clarity and confidence one simple step at a time.