Leave things clear, not complicated.

Thinking about what happens when we pass away is not pleasant, so most of us put it off — and there is a quiet assumption that it is something to deal with when we are older. Leaving unexpectedly is more common than people think. What you probably want is simpler than it sounds: that the people you care about are looked after, without complications or delay.

Estate planning, in practice.

We start with a stock-take of your assets and liabilities, and work out whether your family would face a shortfall if you died prematurely — likely if you carry significant debt and have dependants. A family tree makes the beneficiaries visible, including anyone who needs special arrangements. Draft a Will using our tool or seek the help of a solicitor. Then we deal with what a Will does not control — jointly owned assets, super and life insurance all pass outside it — and put contingencies in place for mental incapacity, so that someone you have chosen decides on your treatment and your money if you cannot.

• Assets and liabilities itemised, with any shortfall for your dependants quantified
• A valid Australian Will with the right executor, drafted through guided questions
• Non-estate assets addressed — joint ownership, super nominations and life insurance beneficiaries
• Contingency planning for mental incapacity, using the correct legal instruments for your state