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What a Will Won't Do

A will isn't the right place to handle certain kinds of property or issues.

By , Attorney
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Wills are wonderful, simple, inexpensive ways to address many people's estate planning needs, but they can't do it all. Here are some things you shouldn't expect to accomplish in your will.

Leave Certain Kinds of Property

In most cases, you cannot use your will to leave:

  • Property you hold in joint tenancy with someone else (or in "tenancy by the entirety" or "community property with right of survivorship " with your spouse).
  • Property you've transferred to a living trust.
  • Proceeds of a life insurance policy for which you've named a beneficiary.
  • Money in a pension plan, individual retirement account (IRA), 401(k) plan, or other retirement plan for which you've named a beneficiary on forms provided by the account administrator.
  • Property held in beneficiary (transfer-on-death or TOD) form. This may include stocks, bonds, and—in some states—real estate or vehicles.
  • Money in a payable-on-death bank account.

For more information, see Property You Should Not Include in Your Will.

    Leave Funeral Instructions

    Wills are typically not read—or even found—until days or weeks after a death. That's too late to be of help to the people who must make immediate decisions about the disposition of a body and funeral or memorial services. Instead, make a separate document spelling out your wishes and tell your executor where to find it when the time comes. (See Final Arrangements FAQ.)

    Reduce Estate Taxes

    If you expect your estate to owe federal estate taxes, you may want to take steps now to reduce the tax liability. A will won't help you avoid taxes. Many kinds of trusts can reduce or postpone the tax bill. (See Estate and Gift Tax FAQ.)

    Avoid Probate

    Property left through a will may spend several months or a year tied up in probate court before it can be distributed to the people who inherit it. (See Probate FAQ.)

    Put Certain Conditions on Gifts

    There are also a few legal limitations on what you can do in a will. For example, you cannot leave a gift that is contingent on the marriage, divorce, or change of religion of a recipient. You can, however, try to influence lesser matters. For example, you could leave money "to Jeremy, if and when he goes to college." Making such conditional gifts, however, usually opens a can of worms—who will enforce the will's conditions, and for how long?

    Leave Money for an Illegal Purpose

    This one doesn't come up often, but you can't earmark money for something illegal, such as encouraging minors to smoke.

    Arrange to Care for a Beneficiary With Special Needs

    If you want to provide long-term care for someone, a will isn't the place. Far better to set up a trust that's tailored to the beneficiary's needs. A special needs trust can provide extra income for a loved one with disabilities, without jeopardizing government benefits.

    Nolo's book Special Needs Trusts, by Kevin Urbatsch, explains how special needs trusts work and gives you the tools to make one yourself. Of course, if you have a complicated situation or if you would rather have an expert's advice about your specific situation, you may also want to see a lawyer who's an expert in this field.

    Leave Money to Pets

    Pets can't own property, so don't try to leave property directly to your pets in your will. Instead, leave your pet to someone who has agreed to provide a good home—and leave that person some money to help out with pet-related expenses. Some states allow you to set up trusts for animals, but that's probably not necessary if you have confidence in the person you've named to care for your pets after your death.

    Nolo's Quicken WillMaker makes it simple to name a caretaker for your pet in your will. It also helps you leave money to your pet's caretaker, specifically for the care of your pet.

    Ready to create your will?

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    By clicking "Find a Lawyer", you agree to the Martindale-Nolo Texting Terms. Martindale-Nolo and up to 5 participating attorneys may contact you on the number you provided for marketing purposes, discuss available services, etc. Messages may be sent using pre-recorded messages, auto-dialer or other automated technology. You are not required to provide consent as a condition of service. Attorneys have the option, but are not required, to send text messages to you. You will receive up to 2 messages per week from Martindale-Nolo. Frequency from attorney may vary. Message and data rates may apply. Your number will be held in accordance with our Privacy Policy.

    You should not send any sensitive or confidential information through this site. Any information sent through this site does not create an attorney-client relationship and may not be treated as privileged or confidential. The lawyer or law firm you are contacting is not required to, and may choose not to, accept you as a client. The Internet is not necessarily secure and emails sent through this site could be intercepted or read by third parties.

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