At What Age Should You Start Estate Planning in New York?

Many people think estate planning is something to handle later in life—after retirement. But the truth is, estate planning isn’t just for older adults. In fact, creating a will or basic estate plan early in adulthood can help protect your wishes, your family, and your assets at every stage of life.

If you live in Rochester, Brockport, or anywhere in Monroe, Orleans, or Genesee Counties, the team at Klafehn, Heise & Johnson P.L.L.C. is here to help guide you. Whether you’re in your 20s or 60s, there are good reasons to take this important step now—not later.

When Should You First Create a Will?

There’s no legal age that says, “Now is the time.” But there are life milestones when it’s smart to begin estate planning, no matter your age. In New York State, anyone 18 or older can make a will. Here are some common moments when it makes sense:

• Turning 18: Once you become a legal adult, your parents no longer automatically make medical or financial decisions for you. A health care proxy and power of attorney become important at this stage.
• Starting a Career: If you’ve started saving for retirement or have insurance, those assets may need beneficiary designations and some basic planning.
• Buying a Home: Once you own real estate, it’s smart to decide who should receive it if something happens to you unexpectedly.
• Getting Married or Having Kids: Two of the most important reasons to have a will are to name a guardian and trustee for your children. If you don’t, the court will make that decision.

Ready to take the first step? Contact Klafehn, Heise & Johnson today to get started with a plan that fits your life.

Why Estate Planning Isn’t Just for the Wealthy

Even if you don’t have major assets, you probably have things that matter: a car, a checking account, digital accounts, or family heirlooms. Without a will, New York’s intestacy laws decide where those items go—not you.

In addition, estate planning can help your family avoid stress or confusion during emergencies. Documents like powers of attorney, living wills, and health care proxies give clear directions to the people you trust most.

At Klafehn, Heise & Johnson P.L.L.C., we help people of all income levels plan wisely for the future. You don’t need to be wealthy to benefit from and afford a thoughtful estate plan.

Is It Too Late to Start Estate Planning?

Absolutely not. If you’re nearing retirement or are already there and haven’t created a will or trust yet, now is the time. Starting today ensures that your family and your assets are protected—and that your wishes are honored.

We often help:

• Empty nesters updating outdated documents
• Seniors preparing for long-term care or Medicaid planning
• Couples revisiting old wills after a second marriage
• New parents trying to plan for their child or children

Whether it’s your first estate plan or an update, we can help. Reach out today to schedule a consultation with our team.

What Happens If You Wait Too Long?

Waiting to plan can lead to tough situations. If you become ill or incapacitated without naming a power of attorney or health care proxy, your loved ones may need to go to court to help you. If you pass away without a will, your assets may be tied up in an administration process and pass according to New York State's intestacy laws—and not necessarily go where you wanted.

Don’t leave your future to chance. Even a simple will or trust can make a big difference.

And remember: estate planning isn’t a one-time event. As life changes, your plan should too. Births, deaths, marriages, divorces, home purchases, job changes, and even law updates may require revisions over time.

Let’s Make 2025 the Year You Get Your Affairs in Order

If you’ve been putting off estate planning, there’s no better time than now to get it done. Whether you’re 25 or 75, having your documents in place will bring peace of mind to you and your family.

Contact Klafehn, Heise & Johnson P.L.L.C. today to schedule a consultation with our team. We proudly serve individuals and families across Rochester, Brockport, Monroe County, Orleans County, and Genesee County.

Let us help you take care of what matters most.

Legal Disclaimer

This article provides general information about estate planning law in New York State. It should not be considered legal advice or a substitute for speaking with an attorney. For guidance specific to your personal situation, contact the attorneys at Klafehn, Heise & Johnson P.L.L.C. in Brockport, NY. Portions of this article may be considered ATTORNEY ADVERTISING under 22 NYCRR Part 1200. Prior results do not guarantee a similar outcome.