Media

At what age should I start estate planning?

January 30, 2026

We’re often asked, “At what age should I start estate planning?” The short answer is probably sooner than you think. Most people associate estate planning with older age, but the truth is that every adult should have some basic estate planning in place—even as early as their 20s.

That’s because estate planning isn’t just about death. It’s about preparing for the unexpected and making sure your wishes are known and legally protected by putting them in writing.

We talk to younger clients about powers of attorney for situations where you’re alive but need someone to make decisions for you, as well as wills or trusts to handle your estate if you pass away. If you’re over 18, no one—not even your parents—can legally make medical or financial decisions for you unless you’ve given them express written permission through properly prepared legal documents.

That’s why even young adults should at least have a healthcare power of attorney and a financial power of attorney. These documents allow someone you trust to step in if you’re in an accident or become temporarily incapacitated.

If you’re married, have children, own a home, or have savings or retirement accounts, you should also seriously consider preparing a will or a trust. A will allows you to name guardians for your children if you pass away and clearly outline how your assets should be distributed and who will be in charge of your estate. A trust can go a step further by managing how and when your assets are passed on after your death.

In summary, if you’re 18 or older, you need at least basic estate planning documents like powers of attorney. And if you have family responsibilities, financial obligations, or assets, it’s wise to have a more comprehensive plan, such as a will or a trust.

Remember, the best time to start estate planning is before there’s a crisis, not after. It’s not about your age—it’s about being prepared for whatever the future may hold by clearly putting in writing who can help you if needed, who will care for your children, and who will receive what you’ve worked hard for during your lifetime.