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Since 1978, families and individuals across Gloucester and Camden Counties have turned to us not just for results—but for guidance, understanding, and strong legal advocacy. We're not a flashy TV law firm. We're your neighbors, your advocates, and your trusted partners in the moments that matter most.

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Do You Need an Estate Plan if You Don’t Own Many Assets?

Yes. You need an estate plan in Gloucester County, even if you don’t own a lot of assets, to protect your wishes, your loved ones, and your future. In New Jersey, without a plan, your estate is distributed under intestacy laws, court-appointed administrators step in, and your family may face probate delays and unexpected costs.

At Puff, Sierzega & MacFeeters, our estate planning attorneys in Gloucester County help clients who think “I don’t own enough” understand that planning isn’t just for the wealthy. It’s about clarity, protection, and making sure the people you care about aren’t left sorting things out when you’re gone.

Do I Need a Will if I Don’t Own a House?

Even if you don’t own real estate, having a will still matters. Many people rent or live with family but still have savings, vehicles, or sentimental items they want to pass on properly. Naming beneficiaries on accounts helps, but it isn’t enough on its own.

A will, or in some cases, a trust, ties everything together, covering digital accounts, personal property, and debts. Without one, state intestacy laws determine who inherits what, which can lead to delays or disputes among relatives. A clear estate plan ensures your wishes are honored from day one.

What if I Don’t Have an Estate Plan?

Many adults believe estate planning is only for those with large property portfolios or big bank accounts. Let’s say you live in Gloucester County, own a modest home, and a retirement account, and have two children. You don’t have a will because you believe you’re one of those people who “don’t have enough.” Unfortunately, when you die without a plan:

  • The Surrogate’s Court in Gloucester County must appoint an administrator
  • Your heirs may wait months for asset distribution while probate runs its course
  • Your retirement account may pass to a default beneficiary, not the person you’d choose
  • Minor children may lack a named guardian, leaving the decision to the court
  • You may miss the chance to designate someone to act on your behalf if you become incapacitated

Remember that life changes fast. A well-crafted estate plan created today protects tomorrow.

How an Estate Planning Lawyer Helps People with Smaller Estates

Creating an estate plan when you’re not that well-off usually means focusing on value instead of complexity. Our estate planning attorneys can guide you through:

  • Drafting a basic will that defines who inherits and who will act as your executor
  • Establishing powers of attorney and healthcare directives so that someone you trust handles your financial and medical decisions
  • Reviewing beneficiary designations on accounts and insurance policies to make sure they align with your plan
  • Advising whether a simple trust may make sense for avoiding probate or protecting specific assets
  • Explaining probate and estate tax implications in New Jersey so you understand what your family might face

Don’t assume that because your net worth is modest, you’re exempt from planning. You have every reason to protect what you have and who you care about.

Call 856-845-0011 or contact us online to arrange a consultation with our estate planning attorneys serving Gloucester County. We’ll help you create an estate plan tailored to your life, without unnecessary complexity or cost, and ensure your legacy, your family, and your wishes are protected.