If you die without a Will, state law and the courts determine who will administer your estate, handle financial matters and act as guardian for your minor children. With a will, you can choose.
In some instances, joint ownership of property may not be a good substitute for a carefully drafted Will. As a result of a common accident, both you and your spouse may die before the survivor has had an opportunity to execute a proper Will. Your property will pass according to state law.
You should review your Will every few years, particularly if you have moved or your family situation had changed since you last executed a Will. State laws vary as to formal requirements and as to the rights of children and grandchildren born after a Will was executed.
The attorney fee to draft a will is a worthwhile investment.
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