New Year, New Peace of Mind: Why Now Is the Time to Write a Will or Form a Trust
The start of a new year has a way of making us think about fresh starts. We set goals, clean out closets, organize finances, and promise ourselves we’ll finally take care of the things we’ve been putting off.
One of the most important (and most avoided) items on that list? Creating a will or setting up a trust.
It’s not the most cheerful topic, but it is one of the most loving and responsible things you can do for the people who matter most.
Estate Planning Isn’t Just for “Later”
Estate planning is a gift to your family — and to yourself.
There’s a common misconception that estate planning is only for retirees or people with significant wealth. In reality, almost everyone can benefit from having a plan in place.
If you:
Own a home
Have children or dependents
Want to choose who handles your affairs
Care about avoiding unnecessary stress for your loved ones
…then estate planning matters to you.
A will or trust ensures your wishes are honored, not guessed at, and helps your family avoid confusion, conflict, and costly legal delays during an already emotional time.
What Happens Without a Plan?
Without a will or trust, state laws decide how your assets are distributed, who manages your estate, and who makes decisions on your behalf. That process can be slow, expensive, and frustrating for your loved ones.
In short: if you don’t make the decisions, someone else will.
Wills vs. Trusts: What’s the Difference?
A will outlines how your assets should be distributed and who should carry out your wishes after you pass away. For many families, this is a solid and practical starting point.
A trust can provide additional benefits, such as:
Avoiding probate
Managing assets during your lifetime
Offering more control and privacy
Providing protection for beneficiaries
The right choice depends on your situation, and the good news is you don’t have to figure that out alone.
Estate Planning Doesn’t Have to Be Complicated or Expensive
This is where many people get stuck. Estate planning sounds intimidating, time-consuming, and expensive.
It doesn’t have to be.
At 1st University Credit Union, we offer a simple, affordable estate planning solution that allows you to create a legally valid will or trust for just $199, all in.¹ (And for a little perspective: that’s less than many people spend on a single consultation with an attorney.)
There are no hourly attorney fees to worry about, no confusing paperwork to decipher, and no pressure. You can complete the process online, on your own schedule, with step-by-step guidance along the way.
No pressure. No overwhelm. Just a smart, responsible step forward.
Make Peace of Mind Part of Your New Year Plans
A new year is about looking ahead, not just for yourself, but for the people who depend on you. Estate planning isn’t about dwelling on worst-case scenarios; it’s about clarity, care, and confidence.
Think of it as a gift to your family and to yourself.
👉 Learn more and get started today:
https://www.culink.net/estate-planning
1: Pricing is current as of 12/18/2025 and subject to change.
Author: Shelley Carlson, EVP of Marketing and Relationship Management for 1st University Credit Union. She’s passionate about helping members make smart money moves and live life with confidence.