Peace of Mind Starts with a Will: Why Planning Ahead Matters

Making a will is one of the most important steps you can take to ensure your wishes are respected and your loved ones are cared for after you’re gone. Yet, around 60% of Australians don’t have a will in place—a surprising figure given how straightforward the process can be.

A will is a legal document that outlines how your assets—such as property, savings, or possessions—should be distributed. Without one, your estate will be divided according to state laws, which may not reflect your personal wishes or the needs of your family.

Who Needs a Will?

The short answer is: almost everyone. Whether you’re single, have a family, or are entering retirement, having an up-to-date will provides clarity and peace of mind. Life events such as marriage, divorce, having children, or receiving an inheritance are all times to review your will and ensure it reflects your current intentions.

How to Create a Will

You can draft a simple will using a DIY kit or online service, but for more complex situations, it’s best to seek professional advice. A lawyer or estate planning specialist can ensure your will is legally valid and tailored to your specific circumstances. You’ll also want to nominate a trusted executor—someone who can carry out your wishes and manage the administration of your estate.

Gayle’s Story: Planning Ahead for Peace of Mind

When Gayle’s husband passed away, she suddenly found herself managing their financial affairs alone. It was a difficult time, filled with paperwork, decision-making, and emotional strain. As she navigated the transition, Gayle realised how important it was to have her own estate plans in place—not just for herself, but for her children and grandchildren.

With guidance from Direct Advisers, Gayle reviewed her financial position, updated her will, and put other legal documents such as enduring power of attorney in place. She also took steps to make things easier for her family in the future, ensuring her intentions were clearly documented and understood. Today, Gayle feels confident and relieved knowing she’s done what she can to protect her loved ones and honour her wishes.

You can read more about Gayle’s story here.

Beyond a Will: Consider Life Insurance

While a will ensures your assets are passed on, it may not be enough to financially support your family in the short term. Life insurance can help fill that gap—covering funeral costs, outstanding debts, or simply helping your loved ones maintain financial stability.

We’re Here to Help

At Direct Advisers, we believe planning for the future is one of the most caring things you can do for your family. If you’d like to put a will in place or review your current estate plan, our team is here to guide you through the process with clarity and care.

Reach out to our team here.