Most people put off writing a will because it feels complicated. It usually isn’t, and putting it off is the costlier choice.

What This Means for You

Roughly two-thirds of American adults don’t have a will. Not because they don’t care what happens to their family or their belongings, but because the task keeps getting pushed to “someday.” A will doesn’t have to be complicated to do its job. It just has to exist.

Key Takeaways

• Without a will, state law decides who gets what, not you
• A will can name a guardian for minor children, which nothing else can do
• Estate planning today is faster and less expensive than most people assume

It Decides Who Raises Your Kids

If something happens to both parents and there’s no will, a court decides who raises your children, not you. Naming a guardian is one of the few things a will does that nothing else can substitute for.

It Keeps Things Out of Probate Court

Without a will, your estate typically goes through probate, a court process that can take months and cost a percentage of the estate’s value in fees. A will doesn’t always avoid probate entirely, but it gives the court clear instructions instead of leaving your family to sort it out.

It Says Exactly Who Gets What

State intestacy laws follow a formula, not your wishes. A will lets you leave a specific item to a specific person, support a charity you care about, or make sure a family member who needs help gets more than an equal split would give them.

It Names Someone You Actually Trust

An executor handles your affairs after you’re gone: paying debts, distributing assets, closing accounts. Without a will, a court appoints someone, and it might not be who you would have picked.

It’s Easier to Set Up Than People Think

Modern estate planning tools have made writing a legally valid will faster and more affordable than the old image of expensive attorney meetings. TFCU members currently have access to a member discount through our partnership with Trust & Will. A branch team member can walk you through current terms and get you started.

Proudly Tucson

October is Financial Planning Month, which makes it a fitting time to handle something that’s easy to put off indefinitely. A will doesn’t need to be complicated. It just needs to exist.

Mini-FAQ

Do I need a lawyer to write a will?

Not necessarily. Online estate planning platforms, including Trust & Will, can walk you through a legally valid will without a traditional attorney meeting, though more complex estates may still benefit from legal advice.

What’s the difference between a will and a trust?

A will directs how your assets are distributed after you pass and can name a guardian for children. A trust can do more, including helping some assets avoid probate. Many people benefit from having both.

Is the Trust & Will discount only for members?

Both members and non-members are currently eligible. Ask a branch team member for current details and how to enroll.