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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High,
CFP®, RICP®
Financial Planner
nathaniel@centuriafinancial.com
Nicholas J. Over, CFP®
Financial Planner
nicholas@centuriafinancial.com
Sara E. Martin
Operations Manager
Molly R. Kelsh
Client Service Specialist
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
July/August 2026
5 Reasons for a Will
August is National Make-a-Will Month, a dedicated time to raise awareness about the importance of estate planning and encourage individuals to create or update their last will and testament. Despite its critical role in protecting loved ones and ensuring your wishes are honored, only 24% of Americans have a will. A well-drafted will provides clarity, control, and peace of mind—no matter your age or wealth. Here are the top reasons to make or have a will:
Control Over Asset Distribution
A will lets you choose exactly who inherits your property, assets, and possessions. Without one, state laws determine distribution—often to closest relatives in a set order that might not match your wishes. You can specify gifts to family, friends, charities, or even exclude certain people, ensuring your legacy reflects your true intentions.Appoint Guardians for Minor Children
If you have young children, a will lets you choose a trusted guardian to care for them if both parents pass away. Courts would decide guardianship otherwise, which might place children with someone you'd not select. This provision provides essential protection and peace of mind for parents.Name an Executor for Your Estate
You can choose a reliable executor (or personal representative) to handle and distribute your estate according to your instructions. This makes the process smoother, minimizes potential disputes, and prevents the court from appointing someone who is unfamiliar or unsuitable.Simplify and Speed Up Probate
While probate is often necessary, having a clear will speeds up the legal process, reduces costs, and makes things easier for your loved ones. It helps prevent delays, court involvement, and administrative complications during an already emotional time, saving time, money, and stress.Reduce Family Conflicts and Provide Peace of Mind
A will reduces confusion, preventing disputes over inheritance or intentions. By clearly stating your wishes, you help your family avoid uncertainty and potential legal conflicts. Knowing your affairs are settled provides great relief for you and comfort for those you care about.Creating a will doesn't require substantial wealth—it's about safeguarding what matters most. Consult an estate planning attorney or use reputable online tools to get started. Taking this step today secures your future and the well-being of those you love.
Source: 2025 Wills and Estate Planning Study, Caring.com
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David P. McCabe, Nathaniel D. High, and Nicholas J. Over are Financial Planners with, and offer securities and investment advisory service through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
LPLE and LPL Financial are not affiliated with Centuria Financial Group.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
Centuria Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
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