Advancing Professionals

You're building your career, maybe buying your first home, paying off student loans, growing savings, or combining finances with a partner. Life feels full of momentum and the last thing on your mind is "what if something happens to me?"

That's exactly why now is the ideal time to put a basic estate plan in place.

Right now, if you were to become seriously ill or pass away unexpectedly:

• No one automatically has legal authority to make medical decisions for you or manage your finances if you can't.
• Your bank accounts, retirement plans, and other assets could be frozen for months while a court appoints someone to handle them, someone you may not have chosen.
• Without clear instructions, state law decides who inherits what, and it often follows a rigid order that may not match your wishes (e.g., parents over a long-term partner, or splitting assets equally among siblings when you'd prefer something different).
• Your partner (even if married) may face immediate financial strain or legal hurdles accessing joint accounts, paying bills, or making decisions on your behalf.

A simple, tailored estate plan for young professionals gives you control and protection before life gets more complicated. It's not about being pessimistic – it's about making sure your hard work and the life you're building are protected.

Key benefits at this stage include:

Naming trusted decision-makers — You choose who handles your finances and healthcare decisions if you're unable to. This is especially important if you're unmarried, as partners have no automatic legal rights in most states.

Clear direction for your assets — You decide who receives your savings, retirement accounts, home equity, car, personal property, or any future inheritance, whether that's a partner, parents, siblings, close friends, or a charity you care about.

Avoiding family conflict or court delays — A clear plan prevents misunderstandings, reduces the chance of disputes, and keeps your loved ones out of lengthy, expensive probate or guardianship proceedings.

Peace of mind that grows with you — Starting early means your plan is simple and inexpensive now. You can easily update it later as you marry, buy property, have children, or build more wealth.

Protecting your partner and your future — Whether married or not, you can ensure your significant other is taken care of financially and legally without unnecessary red tape.

Estate planning at this stage is one of the most practical, adult moves you can make. It's quick, affordable, and lets you focus on advancing your career, enjoying your relationship, and building your life knowing the foundation is already protected.