Why Christians Should Start Estate Planning Early

Estate Planning Is an Act of Love

When most people hear "estate planning," they think of thick legal documents, elderly relatives, and large inheritances. But estate planning is really about one thing: making sure the people you love are cared for when you're no longer here to care for them yourself.

For Christians, it goes even deeper. Estate planning is the final stewardship decision you'll make. As a Certified Kingdom Advisor, I believe it's one of the most important conversations a family can have — and it shouldn't wait.

The Biblical Case for Planning Ahead

Proverbs 13:22 says, "A good man leaves an inheritance to his children's children." And Proverbs 27:23-24 urges, "Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever."

Scripture is clear: planning is wise, and failing to plan has consequences. Yet studies show that a significant number of American adults don't have a will, and even fewer have a comprehensive estate plan. Among those who do have wills, most don't include charitable giving provisions.

For a family that believes God owns it all, that's a missed opportunity.

Estate Planning vs. Wealth Transfer

There's an important distinction worth making. Traditional estate planning tends to focus on the donor — minimizing taxes, retaining control, and distributing assets at death. Biblical wealth transfer focuses on the beneficiary — considering the spiritual, relational, and financial impact of every decision.

Here are some key differences:

• Estate planning begins at death. Wealth transfer begins now.
• Estate planning is often tax-efficiency driven. Wealth transfer is stewardship driven.
• Estate planning may retain control. Wealth transfer considers the readiness of the next steward.

The biblical model asks: "Is the next steward chosen and prepared?" That's a question best answered years before you need it.

Six Decisions to Make Now

A biblical approach to wealth transfer involves six key decisions:

1. Transfer: Who are you going to transfer wealth to — heirs, charity, or both?
2. Treatment: How will you treat each beneficiary? Equal isn't always equitable.
3. Timing: When will they receive it — now, at your death, or over time?
4. Title: When do you transfer ownership and control?
5. Tools and Techniques: What legal and financial vehicles will you use?
6. Talk: Have you communicated your plan to those it affects?

That last one might be the most important — and the most neglected. As one wealth transfer principle puts it, "A beneficiary should never be surprised by the decisions of the steward."

Don't Wait for "Someday"

I've seen families delay estate planning because they think they don't have enough wealth, or because the conversation feels uncomfortable. But the truth is, if you have children, a home, a retirement account, or a desire to support your church or a ministry — you need a plan.

Here's a simple way to start:

• Get a will. At minimum, have a will that names guardians for minor children and outlines your wishes.
• Review beneficiary designations. These override your will, so make sure your retirement accounts, insurance policies, and investment accounts are up to date.
• Talk to your spouse. Unity is essential. Make decisions together with prayer and open conversation.
• Include generosity. Consider how your estate plan can further Kingdom purposes even after you're gone.
• Work with a professional. An advisor who understands both the technical and spiritual dimensions can guide you wisely.

James 4:14 reminds us, "You do not know what your life will be like tomorrow. You are just a vapor that appears for a little while and then vanishes away." That's not meant to frighten you — it's meant to motivate you. Plan now, while you have the clarity and the opportunity.

Your estate plan is one of the most generous things you'll ever create. Don't leave it to chance.