Why Estate Planning Matters at Every Age
December 23, 2025
Estate planning isn’t just for the wealthy—or the elderly.
Whether you’re fresh out of college, raising a family, or approaching retirement, having an estate plan can save your loved ones time, stress, and unnecessary expense. At James & James Law, PC, we help clients across the St. Louis metro area create plans that reflect their lives today—and adapt as those lives change.
In Your 20s and 30s: Protecting Autonomy and Emergencies
Even if you don’t own much yet, it’s important to have documents in place in case of a medical crisis. A power of attorney lawyer near me can help you designate someone to make financial and medical decisions if you’re unable to. This ensures your wishes are followed without family conflict or court delays.
We also recommend creating a simple will to name who should receive your assets or manage your digital life. Life can be unpredictable—having a plan gives you more control.
In Your 40s and 50s: Growing Families and Greater Responsibility
This is often the busiest—and most financially complex—season of life. You may be managing mortgages, college savings, or blended families. A properly drafted will or living trust in Missouri can make sure your assets go where you intend, and that children are protected with legally named guardians.
We also help clients structure health care directives, update beneficiary forms, and coordinate estate planning with their financial advisors.
In Retirement and Beyond: Legacy and Long-Term Care
As retirement approaches, it’s time to fine-tune your estate plan. We review documents for accuracy, adjust to changes in law or family dynamics, and help clients think through long-term care, asset preservation, and end-of-life decisions.
If you’re unsure where to begin, working with a trusted estate planning attorney in St. Louis gives you clarity and confidence.
When Should You Update Your Estate Plan?
● Marriage, divorce, or remarriage
● Birth or adoption of a child or grandchild
● Buying or selling a home or business
● Moving to or from Missouri
● Change in health or financial status
● Death or incapacity of a loved one
If it’s been more than five years since you last reviewed your documents—or if you’ve never created them—it’s time for a fresh look.
Get Started With James & James Law, PC
We’ve helped clients from Chesterfield to Clayton, and from St. Charles County to the city of St. Louis, create plans that truly reflect their values. Whether you need a simple will or a more comprehensive trust-based plan, we’ll walk you through it in plain English and make sure it’s done right.
Ready to protect your future?
Schedule a consultation with our estate planning team today.