Journal
Estate Planning

Estate Planning: Secure Your Legacy

Short answer: A will alone does not avoid probate in California. It only takes effect once a court validates it through the probate process, and the California Courts Self-Help Guide estimates nine months to a year and a half for a typical probate. In practice, twelve to eighteen months is a realistic expectation. A properly funded revocable living trust is the document that actually keeps your estate out of court. Guardianship for minor children, incapacity planning, and periodic updates round out a real plan, but a will by itself still sends your family to probate court.

Does a will avoid probate in California?

No. A will is a set of instructions for a probate court, not a substitute for one. Once you die, your will has to be admitted to probate before anything in it has legal effect, and probate is a public, court-supervised process. For a California estate with more than $208,850 in probate assets, gross value, before debts, formal probate is required under Probate Code § 13100.

The math gets expensive quickly. The statutory fee schedule under Probate Code §§ 10800 and 10810 pays the executor and the estate’s attorney identical percentages of the gross estate value: 4 percent of the first $100,000, 3 percent of the next $100,000, 2 percent of the next $800,000, and smaller percentages above that. On a $1,000,000 estate that works out to $23,000 for the executor and another $23,000 for the attorney, $46,000 in ordinary statutory fees before court costs or bond. None of that is optional once probate is required, and none of it depends on how carefully the will was drafted.

What does a funded revocable living trust actually do?

A revocable living trust holds title to your assets while you are alive and passes them to your beneficiaries when you die, without a probate filing. The trust has to actually own the assets. A trust that sits in a drawer while your house, accounts, and investments stay titled in your own name does nothing for probate avoidance, because only property actually retitled into the trust is governed by it. That is why funding, the paperwork that moves your home and accounts into the trust’s name, matters as much as signing the trust document itself.

A living trust does not reduce your income tax, property tax, or estate tax. California has no state estate tax and no state inheritance tax regardless of whether you use a trust. What a trust buys you is privacy and speed: your trustee can distribute assets according to the trust’s terms without asking a judge’s permission first.

What happens if you die without a plan?

If you die without a will in California, the intestate succession statutes decide who inherits, not your wishes. Under Probate Code § 6401, a surviving spouse takes all of the community property automatically, but separate property is split according to a formula: all of it if there are no surviving children, parents, or siblings, roughly half if there is one child or a surviving parent, and down to a third if there are two or more children. Stepchildren who were never legally adopted and unmarried partners generally inherit nothing under these rules, no matter how close the relationship was in life.

Dying intestate does not avoid probate either. An intestate estate above the small estate threshold still goes through the same court-supervised process, at the same statutory cost, as an estate with a will.

What about guardianship and incapacity?

A will is also where you name a guardian for minor children in case something happens to both parents. Without that nomination in writing, a court decides who raises your children based on its own judgment, not necessarily the person you would have chosen.

Incapacity is a separate problem from death. A plan that only addresses what happens after you die leaves nothing in place if you become unable to manage your own affairs while still alive. That side of planning, powers of attorney and health care directives, needs its own careful drafting and is worth a direct conversation with an attorney rather than assumptions from a generic checklist.

When should you update your estate plan?

An estate plan drafted once and never revisited tends to drift out of alignment with your actual life. Marriage, divorce, the birth or adoption of a child, buying or selling significant property, and a serious change in health are the events that most commonly make an old plan wrong for a new situation, whether because a former spouse is still named as a beneficiary or because a named guardian is no longer someone you would choose. Revisit the plan when those events happen, not on a fixed schedule you’re likely to ignore.

Figures verified July 2026.

What to do next

If your plan is only a will, or you have no plan at all, start by figuring out whether your assets would actually go through probate as things stand today. A short conversation with an estate planning attorney can tell you whether a funded revocable living trust, updated beneficiary designations, or an intestate fallback is what you’re actually working with, and what it would take to fix it.

Want a straight read on where you stand?

Talk to Eric. A free 30-minute call, no pitch. He’ll tell you where you’re exposed, what it would cost to fix, and what you can skip.

Talk to Eric