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Hunts Mesa navajo tribal majesty place near Monument Valley, Arizona, USA

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Recent blog posts

Children Helping Parents Unload Boxes From Van On Family Moving In Day

<p>When most people think of estate planning, they imagine it's only for retirees or the wealthy. Yet, research shows estate planning is essential for young families too, particularly those with young children or growing assets.</p><h3>Most Americans Lack Essential Documents</h3><p><br>According to the Trust &amp; Will 2025 Estate Planning Report, while 83% of Americans recognize the importance of estate planning, only 31% have a valid will, and just 11% have a trust. That means 69%–89% are unprotected, an especially high gap among younger adults (Trust &amp; Will, 2025).<br>&nbsp;Similarly, a 2024 survey found that only 32% of Americans have any estate plan, a decline from previous years, despite 64% saying they believe it’s very or somewhat important, highlighting a gap between awareness and action (Caring.com, 2024).</p><h3>Young Adults Are Particularly Underprepared</h3><p>Estate planning rates remain especially low for younger generations: only 24% of adults aged 18–34 have a will, though that is up from 16% in 2020 (Caring.com, 2024). Trust &amp; Will reports just 22% of Millennials and 15% of Gen Z possess wills, despite younger adults traditionally citing procrastination or perceived lack of assets as barriers (Trust &amp; Will, 2025).</p><h3>Guardianship Decisions Fall to the Courts Without a Plan</h3><p>A will allows parents to appoint guardians for their minor children. Without a legally valid will, state laws determine guardianship, potentially resulting in decisions by courts that don’t reflect your wishes (Innovate‑Legal, 2024; SmartAsset, 2024).</p><h3>Planning for Incapacity Protects Your Family</h3><p>Estate planning includes powers of attorney and healthcare directives that designate someone you trust to manage finances or medical care if you become incapacitated. Without these documents, loved ones may need court approval to act, adding time, expense, and emotional burden (Collections from Ward &amp; Smith, 2025; Innovate‑Legal, 2024).</p><h3>Estate Planning Reduces Legal Cost, Delays, and Public Exposure</h3><p>Estate assets that pass through probate can take months or even years, and may cost 3–10% of the estate’s value in fees. Additionally, probate is public record; trusts allow private, quicker distribution of assets (Caring.com, 2024; Trust &amp; Will, 2025).</p><h3>Open Family Communication Prevents Conflict<br></h3><p>Research shows that discussing inheritance and estate plans early reduces potential family conflict. Financial professionals recommend making such conversations ongoing, clear, and not limited to one-time disclosures (WSJ summary via Ebeling, 2024; Business Insider’s Casey Cohen, 2025).</p><h3>Estate Planning Is About Control, Not Just Wealth<br></h3><p>Even modest assets, such as digital accounts, sentimental items, or minor savings, can benefit from estate planning. Young families are often building financial and personal legacies; establishing legal control early ensures your values and intentions are protected, regardless of net worth (SmartAsset, 2024; Innovate‑Legal, 2024).</p><h3>How RJP Estate Planning Supports Young Families</h3><p><br>At RJP Estate Planning, we specialize in serving young families across Arizona with a family-focused, process-driven approach:</p><p><strong>Will &amp; Guardian Appointments</strong> to ensure guardianship aligns with your choices.</p><p><br><strong>Revocable Living Trusts</strong> to keep your affairs private, reduce delays, and minimize estate costs.</p><p><br><strong>Durable Power of Attorney &amp; Healthcare Directives</strong> so trusted individuals can act if you're unable.</p><p><br><strong>Quarterly Plan Reviews</strong> to adapt as your family grows, births, adoptions, and asset acquisitions.</p><p><br><strong>Clear, Jargon-Free Consultations</strong> to help you understand not just what, but why each step matters.</p><p><br><em>Our goal is to offer peace of mind and long-term stability, tailored to your family’s values and needs, not one-size-fits-all templates.</em></p><p><br></p><p><a title="Free Consultation" href="https://next.rjpestateplanning.com/#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." target="_blank" data-mce-href="https://next.rjpestateplanning.com/#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." rel="noopener">Free Consultation</a></p><p>References<br>Caring.com. (2024). 2024 Wills and Estate Planning Survey. Innovate‑Legal. (2024, Aug 27). Why estate planning matters for young people and young families.&nbsp;</p><p>&nbsp;SmartAsset. (2024). Estate Planning for Young Families: What to Know.&nbsp;</p><p>&nbsp;Trust &amp; Will. (2025). 2025 Estate Planning Report: Redefining Legacy.&nbsp;</p><p>&nbsp;Trust &amp; Will. (2025). 2025 Demographic Breakdown: Who Has an Estate Plan?&nbsp;</p><p>&nbsp;Ward &amp; Smith, P.A. (2025, May). Why Wait? Estate Planning for Young Families.</p><p>&nbsp;Casey Cohen (Chief Marketing Officer, The Estate Registry). (2025, Jun). Talking to children about estate plans. Business Insider</p><p>&nbsp;Ebeling, A. (2024). Don’t delay having the talk about family inheritance. The Wall Street Journal (via Your Money Briefing).</p><p><br></p>

Why Estate Planning Is Critical For Young Families

Happy senior woman with her dog in the city park

<p>When a woman loses her spouse, the emotional toll is intense. In many cases, additional factors can take a toll. She can also left with a labyrinth of legal, financial, and administrative decisions that can impact her future for decades. Research shows that nearly 80% of women outlive their spouses (U.S. Census Bureau, 2021). Widows often face unexpected challenges, ranging from understanding inherited assets to adjusting to a single income. Without proactive estate planning, these challenges can quickly spiral into long-term insecurity.</p><p>At RJP, we <em>understand</em> that for widows, estate planning isn't just about the documents, it's about peace of mind, financial clarity, and long-term empowerment.</p><h3>The Financial Risks Widows Face</h3><p><br>According to the Women’s Institute for a Secure Retirement (WISER), widowhood is one of the leading triggers of financial vulnerability for women over 50 (WISER, 2022). Many enter this chapter unprepared:</p><ul><li><strong>Loss of household income</strong> can dramatically alter one’s retirement trajectory (Social Security Administration, 2023).</li><li><strong>Delayed or outdated estate documents</strong> often leave widows entangled in probate or struggling with unclear beneficiary designations (American College of Financial Services, 2020).</li><li><strong style="font-family: inherit;" data-mce-style="font-family: inherit;">Unfamiliarity with the couple’s financial picture</strong><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"> can result in missed claims, underutilized resources, and avoidable taxes (Fidelity Investments, 2021).</span></li></ul><p><br>Even those who had previously shared in financial decision-making often underestimate the complexities of managing an estate alone, particularly when they are grieving.</p><figure id="figure-yr20wyfurmdqerj4l"><img id="yr20wyfurmdqerj4l" src="https://media.gettyimages.com/id/516016477/photo/shes-content-in-her-own-little-world.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=RZX4akdfK9JZptb7k2ucB5ehuvnSYxF_5ae4J3csOpo=" alt="She's content in her own little world" title="She's content in her own little world" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/516016477/photo/shes-content-in-her-own-little-world.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=RZX4akdfK9JZptb7k2ucB5ehuvnSYxF_5ae4J3csOpo=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>The Role of Estate Planning in Healing and Security<br></h3><p>Estate planning after a spouse’s death is about more than reviewing and organizing what’s left behind; it’s about <em>rebuilding with intention.</em> A widow's revised plan should cover:</p><ul><li><strong>Updating trusts and wills</strong> to reflect new beneficiaries and fiduciaries</li><li><strong style="font-family: inherit;" data-mce-style="font-family: inherit;">Naming appropriate powers of attorney </strong><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;">and health care agents for future care decisions</span></li><li><strong style="font-family: inherit;" data-mce-style="font-family: inherit;">Minimizing tax exposure </strong><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;">and ensuring efficient asset transfers</span></li><li><strong style="font-family: inherit;" data-mce-style="font-family: inherit;">Protecting heirs</strong><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"> by organizing clear, actionable documents that reduce family conflict and legal delays</span></li></ul><p><br>These are not one-size-fits-all solutions. Widows need an advisor who can guide them with both clarity and compassion (AARP, 2022).</p><h3>How RJP Supports Widows Through Every Step</h3><p><br>At RJP, we offer estate planning services tailored specifically for women navigating widowhood. Our approach is grounded in education, empowerment, and practical support. Our process includes:</p><ul><li>A comprehensive review of the existing estate plan, including analysis of trust structure, asset titling, and probate exposure</li><li>Goal-oriented guidance that accounts for future family needs, charitable interests, and personal legacy</li><li>Collaboration with financial advisors and tax professionals to ensure seamless planning and coordinated execution</li><li>Ongoing education to equip widows with the knowledge and confidence they need to make sound decisions going forward</li></ul><p>We offer educational estate planning events specically for women. If you are intrested in signing up for an event, please click our events tab, then navigate to the <a data-mce-href="https://next.rjpestateplanning.com/events/women-wine-and-wills" href="https://next.rjpestateplanning.com/events/women-wine-and-wills" title="Wine, Women and Wills" target="_blank" rel="noopener">Wine, Women and Wills</a> section.<br></p><p><br><strong><em>We don’t just create documents, we develop plans for life transitions, centered on each client’s personal values and priorities.</em></strong></p><h3>A Personal Perspective: Deb Placet Knows This Journey Firsthand</h3><p><br>At RJP, our commitment to helping widows plan for their futures isn’t just professional, it’s deeply personal. Deb Placet, the founder of RJP, is herself a widow. After the loss of her husband, Jim, Deb faced the profound emotional and logistical challenges that so many women encounter during widowhood. In addition to navigating her own grief, she was responsible for continuing to lead and grow a business, manage her household, and make financial decisions that would shape the next phase of her life.</p><p>Deb understands the overwhelm that can come with handling estate documents, trust accounts, and legal responsibilities when you're also managing emotional loss. She knows what it feels like to be handed a checklist of tasks at a time when even getting out of bed can be difficult. It’s from this lived experience that she has shaped RJP’s approach to estate planning for widows: practical, clear, and deeply compassionate.</p><p>When you work with RJP, you’re not just receiving expert guidance, you’re working with a team led by someone who has walked this path and made it her mission to support other women through it.</p><h3>A Trusted Partner for the Road Ahead</h3><p><br>Widowhood can be an overwhelming chapter. With the proper guidance, widows can take charge of their future, protect their loved ones, and find confidence in their next steps.</p><p>RJP is proud to stand beside widows as they plan for the future. We offer not only expert-driven estate planning but also a <strong>supportive space</strong> to ask questions, explore options, and build a secure legacy.</p><p><a data-mce-href="https://next.rjpestateplanning.com/?utm_campaign=gmb#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." href="https://next.rjpestateplanning.com/?utm_campaign=gmb#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." title="Contact Us">Contact Us</a></p><p><strong>References</strong><br>AARP. (2022). The Financial Impact of Widowhood. Retrieved from https://www.aarp.org</p><p><br>American College of Financial Services. (2020). Widowhood and Financial Planning. Retrieved from https://www.theamericancollege.edu</p><p><br>Fidelity Investments. (2021). Widow’s Guide to Financial Planning. Retrieved from https://www.fidelity.com</p><p><br>Social Security Administration. (2023). Benefits for Widows and Widowers. Retrieved from https://www.ssa.gov</p><p><br>U.S. Census Bureau. (2021). Marital Status of the Population by Sex and Age. Retrieved from https://www.census.gov</p><p><br>WISER (Women’s Institute for a Secure Retirement). (2022). Financial Steps for Recent Widows. Retrieved from https://www.wiserwomen.org<br></p><p><br></p>

Why Widows Must Prioritize Estate Planning. How RJP Helps Secure Their Future

<h3>Why Education Still Matters</h3><p><br>Although 82 percent of Americans say estate planning is essential, only 32 percent actually have a plan in place, and the rate fell six percentage points this past year (Caring.com, 2024). The predominant reason cited? Most people acknowledge that they “don’t know where to start.” Our seminars solve that problem in ninety focused minutes.</p><h3>The High Cost of Waiting</h3><p><br><strong>Legal fees:</strong> Even straightforward Arizona probate cases typically cost $2,000–$5,000 in attorney fees alone (Trust &amp; Will).</p><p><br><strong>Time: </strong>A routine probate cannot close in less than five months and often drags on for a year or more.</p><p><br><strong>Privacy:</strong> Probate filings are public record, meaning anyone can read the details of your estate.</p><p><br><em><strong>A living trust, powers of attorney, and proper asset titling can help bypass most of those headaches, but only if families take action before a crisis occurs.</strong></em></p><h3>How Seminars Bridge the Knowledge Gap</h3><p><br>At RJP, our Seminar workshops allow you to listen to an expert, ask questions in real-time, and leave with actionable next steps. That interactive setting turns intimidating jargon into a practical plan. Your questions can be answered, and your plan can start being prepared.</p><h3>What Makes RJP’s Seminars Different?</h3><ul><li><strong>Frequency:</strong> Complimentary, 90-minute sessions every Tuesday and Thursday (we move to once a week, June–July).</li><li><strong style="font-family: inherit;" data-mce-style="font-family: inherit;">Curriculum:</strong><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"> Wills vs. living trusts, powers of attorney, probate myths, tax-efficient transfers, and asset-protection strategies.</span></li><li><strong style="font-family: inherit;" data-mce-style="font-family: inherit;">Locations:</strong><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"> Multiple Phoenix- and Tucson-area venues, so you’re never far from a seat.</span><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"><br></span><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"> </span><span style="font-family: inherit; font-weight: inherit;" data-mce-style="font-family: inherit; font-weight: inherit;"><a data-mce-href="https://rjpestateplanning.com/seminars/" href="https://rjpestateplanning.com/seminars/" target="_blank" rel="noopener">Check out our website for the various cities we cater to</a></span></li></ul><figure id="figure-xj63av82egmbtpwiuu"><img id="xj63av82egmbtpwiuu" src="https://cdn.durable.co/blocks/1dZHI3qXkJCv5yAhRFoyH8clECGdOnP7OZVaPlmxvhzYVe13Baw87AvZSRJH5OKE.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 3/2; object-position: center center;" data-corners="default" data-aspect="3:2" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/1dZHI3qXkJCv5yAhRFoyH8clECGdOnP7OZVaPlmxvhzYVe13Baw87AvZSRJH5OKE.png" data-mce-style="aspect-ratio: 3/2; object-position: center center;"></figure><h3><br>A Proven Track Record</h3><p><br>Over 45,000 Arizonans have started their estate-planning journey with us during the past three decades. Many began with the very seminar you’re considering. Our care for our clients for over 30 years proves that one informed conversation can change a family’s financial future.</p><h3>What You’ll Take Home</h3><ul><li>Clarity about which documents your situation actually requires.</li><li>Personal Roadmap in the free private consultation that follows.</li><li>Peace of Mind knowing your legacy plan is finally in motion.</li></ul><figure id="figure-pnhz6hflvmbtpwz72"><img id="pnhz6hflvmbtpwz72" src="https://cdn.durable.co/blocks/27QOfRbKZ6efcOmzJsvYmzYeEnb9JJs3OsglTDbwGCeEq9psiGMaN45FUbTnCnSX.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/27QOfRbKZ6efcOmzJsvYmzYeEnb9JJs3OsglTDbwGCeEq9psiGMaN45FUbTnCnSX.png" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3><br>Reserve Your Seat</h3><p><br>Call<strong> (480) 947-7447</strong> or <a data-mce-href="https://rjpestateplanning.com/seminars/" href="https://rjpestateplanning.com/seminars/" title=" visit the Seminar Calendar " target="_blank" rel="noopener"><strong>visit the seminar calendar</strong> </a>to register. Bring a spouse or friend and your most pressing questions—we’ll handle the rest.</p><p><em>Note: RJP Estate Planning is not a law firm.</em></p><h3><em><strong><a data-mce-href="https://rjpestateplanning.com/?utm_campaign=gmb#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." href="https://rjpestateplanning.com/?utm_campaign=gmb#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." target="_blank" rel="noopener">Contact us!</a></strong></em></h3><p>By Jordan Rivera – RJP Estate Planning</p><p>Caring.com. (2024, April 2). 2024 Wills and Estate Planning Study. Caring.com. https://www.caring.com/resources/2024-wills-survey/ caring.com<br>DBF Law. (n.d.). The Cost of Probate in Arizona: What You Should Expect. DBF WC Legal. https://www.dbfwclegal.com/the-cost-of-probate-in-arizona-what-you-should-expect/ dbfwclegal.com<br>Moulton Law Offices. (n.d.). Benefits of Attending an Estate Planning Seminar. https://www.moultonlaw.com/benefits-of-attending-an-estate-planning-seminar/ moultonlaw.com<br>RJP Estate Planning. (n.d.). Free Arizona Estate-Planning Seminars – Learn How to Protect Your Assets. https://rjpestateplanning.com/seminars/ rjpestateplanning.com+4rjpestateplanning.com+4rjpestateplanning.com+4<br>Trust &amp; Will. (n.d.). Arizona Probate Cost: Fees for Estate Lawyers and Attorneys. https://trustandwill.com/learn/arizona-probate-fees trustandwill.com</p>

The Importance of Estate Planning Seminars: What You Need to Know

RJP Estate & Financial Planning

Overview: RJP Estate and Financial Planning is a female-owned firm with over 40 years of experience and 40,000+ clients. Specializing in risk management, RJP helps protect and grow the value of estates while addressing client-specific goals. The company offers a comprehensive approach to estate and financial planning, solving risks such as probate, lawsuits, market volatility, and long-term care needs.

Core Services:

Estate Planning: Trusts, wills, powers of attorney, and probate solutions.
Financial Planning: Tax-efficient retirement income, wealth management, and safe investment strategies.
Insurance Solutions: Long-term care, life, health, disability, and final expense coverage.
Legal Document Guidance: Works with attorneys to draft estate documents at discounted rates.
Risk Management: Customized solutions, including annuities and asset protection.
Key Differentiators:

Proven Experience: Decades of service with solutions informed by real-life client outcomes.
Genuine Care: A compassionate team with personal experiences tied to estate planning challenges.
Longevity: A succession plan ensures continuity for current and future clients.
Aftercare & Ongoing Services:

Trust funding reviews and realignment.
Document amendments through Arizona Trust & Title.
Annuity reviews and upgrades.
Risk and funding reviews tailored to client goals.
Structure:

RJP Estate and Financial Planning: Primary division for estate planning and financial services.
Arizona Trust & Title: Legal document preparation, including amendments, deeds, and estate documents.
RJP Wealth Management, Real Estate, and Mortgages: Currently marketing arms, with plans to license RJP Wealth Management.
Philosophy: RJP Estate and Financial Planning integrates legal, financial, and insurance expertise to deliver holistic plans tailored to client needs. The firm prioritizes education, equipping clients to make informed decisions and offering continuous support to secure their legacy through every stage of life.

RJP Estate & Financial

Our Locations

Scottsdale Office

Tucson Office

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