by guest author R. Dennison Keller Jr., Esq.
Whether you’re in your 30s or your 70s, estate planning is one of the most important steps you can take to protect your loved ones, preserve your legacy, and ensure your wishes are honored when you’re no longer here to voice them.
What Is Estate Planning?
Estate planning is more than just writing a will. It’s a comprehensive strategy that outlines how your assets, responsibilities, and healthcare decisions should be managed in the event of your incapacity or death. A complete estate plan can include:
- A last will and testament
- Powers of attorney (for both finances and healthcare)
- A living will
- Revocable or irrevocable trusts
- Beneficiary designations
- Guardianship designations for minor children
Why Estate Planning Matters
Despite its importance, surveys consistently show that more than half of Americans don’t have a will, let alone a comprehensive estate plan. An estate plan can help with:
- Protecting your loved ones.Without a trust or will, your estate will be distributed according to state law—which may not align with your wishes.
- Avoiding probate delays. A well-structured plan can help your family avoid the time-consuming and often expensive probate process.
- Planning for incapacity. Estate planning isn’t just about death—it’s about ensuring someone you trust can make decisions on your behalf if you’re ever unable to.
- Ensuring your legacy is preserved. Whether you want to support a cause, pass down family traditions, or ensure generational wealth, estate planning is the vehicle to do so intentionally.
It’s Not Just for the Wealthy
One of the biggest misconceptions about estate planning is that it’s only for the wealthy. In reality, anyone with any amount of assets can benefit from an estate plan. An act of estate planning can be as simple as designating a financial power of attorney agent to pay your bills or a healthcare proxy to make medical decisions for you during incapacity. I had my own sons sign these documents when they went off to college. They each had small checking accounts, and someone would need access to those funds if troubles hit.
How to Get Started
- Take inventory. List your assets, debts, and key personal information.
- Define your goals. Think about whom you want to benefit and how.
- Consult a professional. An elder law attorney can review your situation and help tailor a plan that fits your needs.
- Communicate. Make sure your family or chosen representatives know your wishes and where to find your documents.
Final Thoughts
Estate planning isn’t about preparing for death—it’s about living with peace of mind, knowing that your family and legacy are protected.
After all, the best time to plan for the future is BEFORE you need it.

R. Dennison Keller Jr., Esq., is an attorney licensed to practice in Ohio and Kentucky. He is also the owner of The Law Practice of Dennison Keller, LLC, an Elder Law firm focused on Life Care Planning. Life Care Planning combines estate planning and elder law with care coordination, aiming to protect a person’s assets while preserving happiness and well-being.





