{"id":287046,"date":"2016-04-04T11:02:20","date_gmt":"2016-04-04T16:02:20","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/estate\/probate\/avoiding-probate.html"},"modified":"2025-07-23T02:37:00","modified_gmt":"2025-07-23T07:37:00","slug":"avoiding-probate","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/estate\/probate\/avoiding-probate.html","title":{"rendered":"Helping Loved Ones Avoid Probate"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Helping Loved Ones Avoid Probate<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/oni-harton-j-d\/\">Oni Harton, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/aisha-success-esq\/\">Aisha Success, Esq.<\/a>\n                | Last updated\n        <time>\n                            July 23, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n    <div class=\"fl-callout-text article-blockquote\">\n        <p>Probate is a complex and lengthy process following the death of a loved one. However, there are ways you can help a loved one organize their estate planning to avoid probate.<\/p>\n\n    <\/div>\n\n\n\n<figure class=\"wp-block-image fl-no-margin\"><img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/image\/upload\/ability-law\/wp-prod\/content-original-images-gavel_laptop_legal_tech_TS.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p>Most people want to do everything they can to care for their loved ones after they die. They want to pass their personal property and other assets as seamlessly as possible. But many folks don&#8217;t realize that beneficiaries must often deal with a lengthy process known as probate. Luckily, estate planning helps ensure your heirs and beneficiaries avoid probate when possible.<\/p>\n<h2>What Is Probate?<\/h2>\n<p><a href=\"https:\/\/www.findlaw.com\/estate\/probate.html\">Probate<\/a>\u00a0is a legal process proving that a last will and testament is valid.\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/estate-administration\/estate-administration.html\">Estate administration<\/a>\u00a0is the court-supervised process of gathering, documenting, and distributing a deceased person&#8217;s estate.<\/p>\n<p>The process distributes the\u00a0<a href=\"https:\/\/dictionary.findlaw.com\/definition\/decedent.html\" target=\"_blank\" rel=\"noopener\">decedent<\/a>&#8216;s probate estate. In most cases, the estate administration process must occur whether the decedent died with or\u00a0<a href=\"https:\/\/www.findlaw.com\/forms\/resources\/estate-planning\/die-without-estate-plan.html\">without a will<\/a>.<\/p>\n<p>Estate administration takes some time and effort. But an\u00a0<a href=\"https:\/\/www.findlaw.com\/forms\/resources\/estate-planning\/last-will-and-testament\/choosing-the-executor-faq.html\">executor or administrator<\/a>\u00a0and, eventually, a personal representative can complete the process easily. Sometimes, though, the probate court process can become a nightmare.<\/p>\n<p>Most of the time, the estate administration process is straightforward. It typically results in the distribution of your probate estate. The court proceedings are a matter of public record, though. If privacy is a concern, you should make a plan for your probate assets that doesn&#8217;t involve probate.<\/p>\n<h2>Minimizing or Eliminating Probate<\/h2>\n<p>There are several ways to avoid \u2014 or at least minimize \u2014 what goes through probate. Common ways to avoid probate include:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.findlaw.com\/estate\/trusts\/setting-up-a-trust.html\">Setting up trusts<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/forms\/resources\/estate-planning\/what-is-a-beneficiary.html\">Designating a beneficiary<\/a><\/li>\n<li>Owning property jointly<\/li>\n<li>Lifetime gifting of money and property<\/li>\n<\/ul>\n<p>This section provides information on the following topics:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.findlaw.com\/forms\/resources\/estate-planning\/payable-on-death-beneficiary-for-accounts.html\">Payable on death accounts<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/estate\/probate\/transfer-on-death-beneficiary-for-property.html\">Transfer on death deeds<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/estate\/probate\/the-advantages-of-an-inherited-roth-ira.html\">Roth IRAs<\/a><\/li>\n<li>Other\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/planning-an-estate\/personal-retirement-accounts-and-your-family.html\">accounts with named beneficiaries<\/a><\/li>\n<\/ul>\n<p>There are several ways to transfer property outside probate. Planning may make it possible to structure your estate to ensure that you own little to no probate property at death.<\/p>\n<h2>Accounts That Transfer to Beneficiaries<\/h2>\n<p>Several kinds of assets can transfer automatically upon the account holder&#8217;s death. Such accounts must have a named beneficiary to benefit from this automatic transfer at death. These accounts use beneficiary designations.<\/p>\n<p>Such accounts are POD (payable on death) accounts and TOD (transfer on death) accounts.<\/p>\n<h3>POD Accounts<\/h3>\n<p>POD accounts are typically bank accounts. These accounts can include the following:<\/p>\n<ul>\n<li>Checking accounts<\/li>\n<li>Savings accounts<\/li>\n<li>Certificates of Deposit (CDs)<\/li>\n<li>IRAs, 401(k)s, Roth IRAs: A\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/probate\/the-advantages-of-an-inherited-roth-ira.html\">Roth IRA<\/a>\u00a0is a type of Individual Retirement Account.\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/planning-an-estate\/personal-retirement-accounts-and-your-family.html\">Retirement accounts<\/a>\u00a0allow the account holder to designate a beneficiary. Traditional retirement accounts require the account holder to start withdrawing from the account at the age of 70\u00bd. Roth IRAs don&#8217;t have withdrawal requirements. This means that the money can continue to grow regardless of your age.<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/estate\/planning-an-estate\/transfer-your-life-insurance-policy-to-lower-your-estate-tax.html\">Life insurance policies<\/a>\u00a0are also payable directly to designated beneficiaries. Proceeds from a life insurance policy do not become part of the estate. Thus, life insurance policies do not need to go through the probate process when the beneficiary is anyone other than the estate itself.<\/li>\n<\/ul>\n<h3>TOD Accounts<\/h3>\n<p>TOD accounts are usually investment accounts. These accounts can include the following:<\/p>\n<ul>\n<li>Brokerage accounts<\/li>\n<li>Stocks and bonds<\/li>\n<li>Retirement plans<\/li>\n<\/ul>\n<p>These assets can transfer directly to the beneficiary and do not need to go through the probate process.<\/p>\n<h2>Who Can Be a Beneficiary?<\/h2>\n<p>Any person can be a beneficiary. An\u00a0<a href=\"https:\/\/www.irs.gov\/charities-non-profits\/tax-exempt-organization-search\" target=\"_blank\" rel=\"noopener\">IRS-recognized nonprofit<\/a>\u00a0can be a beneficiary. A corporation, partnership, or LLC cannot be a beneficiary.<\/p>\n<h2>Do Beneficiaries Pay Taxes on an Inheritance?<\/h2>\n<p>No, at least not initially.\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/planning-an-estate\/federal-estate-and-gift-tax-laws.html\">Federal tax law<\/a>\u00a0does not consider an\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/wills\/inheritance-law-and-your-rights.html\">inheritance<\/a>\u00a0as income to the receiver. If you inherit a bank account or investment account that appreciates, you will pay taxes on the earnings.<\/p>\n<h2>What About Estate Taxes?<\/h2>\n<p><a href=\"https:\/\/www.findlaw.com\/estate\/planning-an-estate\/estate-tax-laws.html\">Estate taxes<\/a>\u00a0are paid by the estate, not by the receiver. The gross estate does not include assets passed directly to a beneficiary. Thus, they are not subject to estate tax.<\/p>\n<h2>Accounts That Transfer by Deed<\/h2>\n<p>Real property \u2014 like homes, real estate, cars, and boats \u2014 can also be transferred outside of probate. You can do this when the property is purchased. You must write the deed in a way that results in the ownership type you seek.<\/p>\n<h3>Property Deeds<\/h3>\n<p>It&#8217;s not uncommon for a home, vacation home, or lake cabin to have joint ownership. It could be jointly owned by married couples, family members, or friends. When the property is purchased, the deed is drafted to show this joint ownership as:<\/p>\n<ul>\n<li>Joint tenants<\/li>\n<li>Joint tenancy with rights of survivorship<\/li>\n<li>Tenants in common<\/li>\n<\/ul>\n<p>The\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/buying-a-home\/difference-between-joint-tenancy-and-tenancy-in-common.html\">difference between these types of joint ownership<\/a>\u00a0is who inherits upon the death of a joint owner. Does the interest in the property pass to the surviving owners (or surviving spouse), or does it pass to other heirs of the deceased?<\/p>\n<p>State laws vary regarding joint ownership. Check the laws of your state before deciding how to title your property. Inheritance rights of a surviving spouse will also be affected depending on whether the couple lives in a community property state.<\/p>\n<h3>Vehicle Titles<\/h3>\n<p>Ownership of a vehicle is determined based on the title. Who is listed on the title and how they are listed matters. Vehicles can also have more than one owner. Vehicle titles typically list married couples as joint tenants with the right of survivorship. Again, tenants in common do not inherit from one another.<\/p>\n<p>Some states offer a simple Transfer on Death form that vehicle owners can file with the state to transfer the title of a vehicle to another person upon their death.<\/p>\n<h2>When Probate Isn&#8217;t Necessary<\/h2>\n<p>Sometimes avoiding probate is easy. For example, probate isn&#8217;t always necessary for very small estates. Even modest to moderate estates can avoid a full probate process if they qualify for a\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/probate\/simplified-or-summary-probate-for-small-estates.html\">small estate simplified probate process<\/a>. In some states, the small estate process involves transferring property by affidavit.<\/p>\n<p>Estates that\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/trusts\/how-do-i-put-money-and-other-assets-in-a-living-trust.html\">transfer through a trust<\/a>\u00a0also do not go through probate.\u00a0<a href=\"https:\/\/www.findlaw.com\/estate\/trusts.html\">Trusts<\/a>\u00a0can include any of the following types:<\/p>\n<ul>\n<li>A revocable living trust<\/li>\n<li>An irrevocable trust<\/li>\n<li>A testamentary trust<\/li>\n<\/ul>\n<p>A testamentary trust does not transfer the assets to the trust before the grantor&#8217;s death. Thus, using a testamentary trust does not avoid probate.<\/p>\n<h2>Will I Need the Help of an Attorney To Avoid Probate?<\/h2>\n<p>An attorney is not always necessary in estate planning, depending on how large or complex the estate is. You can use an <a href=\"https:\/\/legalzoomcominc.pxf.io\/c\/4851649\/2115370\/26746?subId1=avoiding-probate-custom\" rel=\"sponsored noopener\" target=\"_blank\">online legal service company<\/a> such as our trusted partner, LegalZoom, to\u00a0save money on attorney&#8217;s fees for small estates. But you may find it helpful to get legal advice as you explore ways to avoid probate.<\/p>\n<p>An\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/estate-planning\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">estate planning attorney<\/a>\u00a0can explain ways to transfer property after death. They can help you with tax planning and enable timely property transfer after your death. Planning today may allow your estate to avoid probate entirely.<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n        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class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex probate situations usually require a lawyer\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer will take these matters seriously and enforce protections\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Get tailored advice and ask your legal questions\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Many attorneys offer free consultations\n\n                <\/li>\n                    <\/ul>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a 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class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/estate\/probate\/probate-courts-laws.html\">\n                        What Is Probate Court?\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/estate\/probate\/do-i-need-a-lawyer-for-probate-.html\">\n                        Do I Need a Lawyer for Probate?\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" 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