National Estate Planning Awareness Week (Oct. 17-23) reminds us to make sure that we’re prepared to protect ourselves and our loved ones should we face unexpected sickness, accident or untimely death.

“If you die without a will, state law is likely to determine the distribution of your assets, and your wishes may not be taken into account,” said Tina Portuondo, incoming chair of the American Bar Association’s Real Property, Trust and Estate Law Section.

That’s why the section’s lawyers have created a website, www.estateplanhelp.org, which provides the information you need to get started.

The most basic piece of an estate plan—a will—can ensure your wishes are carried out and that your family is taken care of.

To get started, consider the following:

• Determine what assets and income you have. Do you own a home?  How is it titled?  Do you have personal insurance or retirement plans?  Are your beneficiaries up-to-date on your IRA, 401(k) and life insurance?
• Who do you want to benefit from your estate? Have your family circumstances changed?  Have you been through divorce?  Do you have children?  If they are minors, have you named someone to be their guardian?  Does your will provide for those with special needs?
• How should your heirs receive their inheritance? Trusts can protect younger or frail family members by ensuring that funds will be there when needed for education, support or care.
• Should you consult with an estate planning attorney? You may want to draft a will yourself, but be aware that any mistakes you make may undermine your plans.

We don’t like to talk about when we’re gone, but we all know death is a reality of life.  If you are one of the 120 million Americans who does not have an up-to-date estate plan, start this week.  Planning ahead for your family’s needs is critical to protecting them.