Do You Need a Will? Estate Planning Basics for Pennsylvania Families

Many people assume estate planning is only for the wealthy or the elderly. In reality, any adult with property, savings, or children benefits from a basic plan. Without one, Pennsylvania law — not you — decides what happens.

What happens without a will

If you die without a valid will, you die “intestate,” and Pennsylvania’s intestacy statute determines who inherits your property. That distribution may not match your wishes, and it can create delays and disputes among surviving family members.

The core documents

A complete basic plan usually includes more than a will:

• A will — names who inherits your property and who will serve as executor.
• A financial power of attorney — lets someone manage your finances if you cannot.
• A health care power of attorney and living will — name a medical decision-maker and record your wishes.
• Updated beneficiary designations — on retirement accounts and life insurance, which pass outside your will.

Naming an executor

Your executor is the person responsible for carrying out your will — gathering assets, paying debts, and distributing property. Choose someone organized and trustworthy, and name an alternate in case your first choice cannot serve.

Keeping it current

Life changes — marriage, divorce, a new child, a move, or a significant purchase — are all reasons to review your documents. An outdated plan can be as problematic as no plan at all.

Getting started

You do not need a complicated estate to justify a plan. A straightforward, attorney-drafted set of documents gives you control and gives your family clarity during a difficult time.