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Your Estate consists of everything you own, including benefits such as life insurance that will
become payable at your death. An estate plan represents your intentions about what will happen
with your estate upon your death. In a broader sense, your estate plan will also encompass your
wishes as to how your estate will be used in the event that you become incapacitated. While there
is considerable overlap in the legal tools used in both types of planning, on this web site I have
chosen to split the issues apart, since they involve considerably different personal issues.
Using the narrower of the two definitions, there are 3 basic approaches to estate planning, as
shown below, plus a hybrid. The alternatives are arranged simplest to the most complex, left to
right.
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