SoMD Estate Planning

Estate Planning Attorneys in Southern Maryland

simple will

Estate Planning for Parents of Young Children: What You Cannot Afford to Skip

Becoming a parent changes everything — including your legal responsibilities. Yet many parents of young children in Southern Maryland have not taken the critical step of creating an estate plan. If something happened to you, who would raise your children? Without a plan, a court decides.

Naming a Guardian: The Most Important Decision

A will is the only legal way to name a guardian for your minor children. Without one, a Maryland court appoints someone — potentially not who you would have chosen. When choosing a guardian, consider who shares your values and parenting philosophy, and have a conversation with them before finalizing your plan.

Protecting Your Children Financially

Leaving money directly to a minor is not possible under the law. Setting up a trust within your estate plan allows you to name a responsible trustee, set conditions for distributions, and protect funds from being mismanaged. Life insurance is typically the cornerstone of financial protection for young families — term life is affordable and provides the safety net your children need.

Medical Directives Are Not Just for Seniors

An advance medical directive ensures your spouse or a trusted person can make healthcare decisions on your behalf without going to court. This is critical for young parents who may not have considered incapacity planning.

Start Protecting Your Family Today

Life with young children is busy — that is why SoMD Estate Planning uses technology to make the process faster, including remote consultations and digital document preparation. Contact us today for a free consultation tailored to families with young children.

Do I Really Need a Will in Maryland? What Happens Without One

It is a question we hear all the time from clients across Southern Maryland: “Do I really need a will?” The answer is almost always yes — and the consequences of not having one can be far more serious than most people realize.

What Happens If You Die Without a Will in Maryland?

When someone passes away without a valid will, they are said to have died “intestate.” In Maryland, intestacy laws determine exactly how your assets are distributed — and the results may not align with what you would have wanted.

Under Maryland’s intestacy statutes, if you are married with children, your spouse receives the first $40,000 of your estate plus half of the remaining balance. The rest goes to your children. If you are unmarried, everything typically goes to your children in equal shares. If you have no children, your assets may pass to parents, siblings, or more distant relatives — potentially people you would never have chosen to inherit your property.

The Real-World Consequences

Dying without a will does not just affect asset distribution. It creates a cascade of complications for the people you leave behind. Without a will, there is no named executor — meaning the court must appoint a personal representative, which takes time and may not be someone you would have trusted with that responsibility.

For families with minor children, the stakes are even higher. A will is the primary legal mechanism for naming a guardian for your children. Without one, a judge makes that decision — potentially someone you would not have chosen.

Common Myths That Keep People from Getting a Will

“I do not own enough to need a will.” — You do not need to be wealthy. If you own a car, have a bank account, or possess any personal property, a will helps ensure those items go where you intend.

“My spouse will automatically get everything.” — As noted above, Maryland law does not guarantee your spouse receives all of your assets. Depending on whether you have children or surviving parents, the distribution can be divided in ways that may surprise you.

“I am too young to worry about it.” — Accidents and unexpected illness do not discriminate by age. Young families with children have some of the most urgent reasons to have a will in place.

What a Simple Will Does for You

A simple will lets you name exactly who receives your property, appoint a trusted executor to manage the process, designate guardians for your children, and even specify your wishes for funeral arrangements. It is one of the most straightforward and affordable legal documents you can create — and one of the most impactful.

Take the First Step Today

Creating a will does not have to be complicated or expensive. At SoMD Estate Planning, we offer streamlined, tech-forward will preparation that makes the process quick and convenient. Schedule a free consultation today and let us help you protect the people who matter most.