We see it all the time. Estate planning often lands on the “we need to do this” list, but life gets busy, and it keeps getting pushed aside. In our experience, though, the beginning of the year is one of the most valuable times to review and refine your estate plan. And, the data support just how important it is to start early.
Most Americans Are Still Unprepared
Despite broad awareness of its importance, most Americans still lack basic estate planning documents. According to a 2025 survey, 55% of U.S. adults have no estate plan at all. Only about 31% have a will, and just 11% have a trust. In other words, most families are unprepared for the unexpected1.
Procrastination Is Real — and Common
Why do so many adults put this off? Surveys consistently show that many delay planning because they “haven’t gotten around to it”, and others mistakenly believe they don’t have enough assets yet to warrant a will.2
This type of procrastination may seem harmless until a health event, the death of a loved one, or other unexpected changes force rushed decisions without careful consideration.
The Cost of Waiting
Putting off estate planning comes with a real opportunity cost. When this area of your finances is neglected, you may miss the chance to make clear, intentional decisions about what matters most, including:
- What happens to your assets
- Who carries out your wishes
- How decisions will be made if you are unable
- How financial and emotional burdens on loved ones can be minimized
Proactive estate planning is not just about minimizing stress today or in the future. It is also a meaningful way to pass down your values and provide clarity for the people you care about most.
Why Early-Year Planning Works
The start of a new year is naturally a time for reflection and intentional decision-making. It’s a chance to:
- Reassess your goals with a fresh perspective
- Incorporate recent life changes (like marriage, new children, business transitions, or aging parents)
- Coordinate your estate plan with financial planning, tax strategies, and legacy goals
By addressing estate planning early, you give yourself and your loved ones clarity instead of uncertainty and purpose instead of pressure. If getting started has felt overwhelming, we can help simplify the process. Using planning platforms like Wealth.com, our team can guide you through creating essential estate documents in a structured, secure way, ensuring everything aligns with your broader financial strategy.
Estate planning does not have to be a last-minute decision. With the right tools and guidance, it can be a thoughtful and manageable step forward. We’d be honored to help you set up an estate plan that aligns your values with your legacy. Reach out to schedule a time to talk.
1Trust & Will
2LegalZoom, 2025