This Is the Year You Finally Get Your Estate Plan Done
- Nicole Palermo

- Dec 30, 2025
- 5 min read
January always feels like a clean slate. New planner. New goals. New promises to ourselves that this will be the year we get our lives together.
We make resolutions about going to the gym, saving more money, drinking more water, finally organizing that one closet we pretend doesn’t exist. And somewhere on the mental to-do list—usually pushed way down at the bottom—is estate planning.
Not because it isn’t important.
But because it feels heavy. Awkward. A little scary. And honestly? Easy to avoid.
So let’s talk about it. No lectures. No scare tactics. Just an honest, human conversation about something that matters.
Why Estate Planning Is Always “Next Year”
Most people don’t avoid estate planning because they don’t care. They avoid it because:
● They think it’s only for “later in life”
● They’re healthy and assume they have time
● They don’t know where to start
● They’re afraid of having uncomfortable conversations
And I get it. Truly. Estate planning forces you to think about what ifs we’d rather not sit with.
But here’s the truth I wish more people understood:
Estate planning isn’t about dying. It’s about living responsibly.
It’s about making sure the people you love aren’t left confused, stressed, or fighting over decisions during an already emotional time.
The Quiet Stress You’re Carrying (Whether You Realize It or Not)
If you don’t have an estate plan—or you have one that’s outdated—there’s a low-level stress humming in the background.
You might not think about it every day, but it shows up when:
● You think about your kids and wonder, What would happen if something happened to me?
● You avoid updating beneficiaries because it feels overwhelming
● You assume your family will “just know” what to do
I’ll say this gently, because it matters:
Your family won’t automatically know what you want.
And without clear, legally sound documents, the court may end up making decisions for you—about your finances, your medical care, or even who raises your children.
That’s not peace of mind. That’s avoidable chaos.
Why the New Year Is Actually the Perfect Time
There’s something powerful about starting the year by handling the things you’ve been putting off.
Estate planning doesn’t have to be dramatic or depressing. In fact, many clients leave the process saying the same thing:
“That was way easier than I thought.”
Getting your estate plan done this year means:
● You stop carrying the mental load of “I really need to do this”
● Your loved ones have clarity instead of questions
● Your wishes are written down, protected, and respected
Think of it like this: you don’t buy insurance because you expect something bad to happen. You do it so you can sleep better at night.
Estate planning works the same way.
This Doesn’t Have to Be Perfect—It Just Has to Be Started
One of the biggest myths I hear is that you need to have everything figured out before you meet with an estate planning attorney.
You don’t.
You don’t need to know all the answers. You don’t need to have a complicated situation. You don’t need to be “old enough” or “wealthy enough.”
You just need to be willing to start the conversation.
Estate plans are living documents. They grow and change as your life does—marriage, kids, divorce, new homes, new goals. What matters most is having something in place instead of nothing at all.
Let This Be the Year You Follow Through
We all make resolutions we don’t keep. Gym memberships expire. Planners go unused by February.
But this is one resolution that truly sticks.
Future-you will be grateful. Your family will be protected. And you’ll finally have that sense of relief that comes from knowing it’s handled.
So if you’ve been saying “I’ll get to it someday,” let someday be this year.
Not out of fear—but out of love, responsibility, and care for the people who matter most.
If you’re ready to start the conversation, we’re here when you are. No pressure. Just real guidance, real answers, and a plan that actually fits your life.
Let’s Talk About the Stuff People Don’t Like to Say Out Loud
Here’s something people rarely admit:
They know they should have an estate plan… but they’re afraid of getting it wrong.
They worry they’ll choose the wrong person. Say the wrong thing. Miss something important. Or open a door to conversations they’ve been avoiding with family members for years.
So instead, they do nothing.
And while that feels easier in the moment, doing nothing is still a decision—just not one you’re actively making.
An estate plan isn’t about predicting the future. It’s about giving your loved ones a roadmap if life throws a curveball. Because when emotions are high, clarity matters more than ever.
“But My Family Gets Along…”
I hear this all the time.
And I hope it stays true forever.
But I’ve seen even the closest families struggle when there’s no clear plan. Not because anyone is greedy or unkind—but because grief changes how people think, communicate, and cope.
Different people remember conversations differently. Different people assume different things. Different people step up… and others step back.
Clear documents remove the guesswork. They prevent misunderstandings before they ever start. And they allow your family to focus on supporting one another instead of figuring out logistics.
That’s not pessimism. That’s preparation.
Estate Planning Is One of the Kindest Things You Can Do
This part doesn’t get said enough.
Creating an estate plan is an act of kindness.
It’s saying:
● “I care enough to make this easier for you.”
● “I don’t want you second-guessing my wishes.”
● “I want you to be protected, not burdened.”
When someone passes away or becomes incapacitated, their loved ones are already carrying enough emotional weight. An estate plan lifts some of that load.
And that matters more than people realize.
If You’re Waiting for the ‘Right Time,’ This Is It
There will always be a reason to wait.
Life gets busy. Kids need things. Work ramps up. Something unexpected comes up—because it always does.
But the truth is, there’s no perfect moment to do hard but important things. There’s only the moment you decide they matter enough to prioritize.
This year doesn’t have to be about overhauling your entire life. Sometimes the most meaningful progress comes from handling the things you’ve quietly been avoiding.
Estate planning doesn’t take away your freedom. It gives you control.
And once it’s done?
You get to move forward lighter, calmer, and more confident—knowing you showed up for the people you love, even in ways they may never fully see.
That’s a resolution worth keeping.

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