If you fail to plan ahead, a judge will simply appoint someone to handle your assets and personal care your assets will be distributed to your heirs according to a set of rules known as the Laws of Intestacy.


Contrary to popular myth, everything does not automatically go to the state if you die without a will. Your relatives, no matter how remote and in some cases, the relatives of your spouse will have priority in inheritance ahead of the state.


Still, they may not be your choice of heirs; an estate plan gives you much greater control over who will inherit your assets after your death.




A will or testament is a legal declaration by which a person, known as the testator, names one or more persons to manage his or her estate and provides for the distribution of their property at death.



Asset protection is a set of legal techniques and a body of statutory and common law dealing with protecting assets of individuals and business entities.



Family Protection is the provision and planning of your assets using legal documents to ensure that your dependants are protected when you die, helping them cope financially when you're gone.