A will is a legal document that explains who gets your belongings when you pass away. It also names an executor—the person who makes sure your wishes are carried out.

Without a will, state law decides how your assets are distributed, which can lead to disagreements or delays.

Creating a will doesn’t have to be complicated. Even a simple will covering key assets, like:

• your home,

• bank accounts, and

• personal items,

can make a big difference. Many people assume wills are only for the wealthy, but everyone benefits from clarity and peace of mind.

Tip: Review your will whenever there’s a major life change, like marriage, divorce, or a new child. Keeping it current ensures your plan matches your intentions.