Do I need a trust, or just a will? An honest answer.

Let's start with what most attorney websites won't say

If you search "do I need a trust in California," you'll find a long list of websites explaining all the reasons you probably do. Some of those reasons are real. But the honest answer — the one I give people who call me — is that it depends entirely on what you own and what you're trying to accomplish.

Some families genuinely need a trust. Some genuinely don't. Some need a will. Some need almost nothing. I'd rather spend five minutes helping you figure out which category you're in than spend an hour selling you something that doesn't fit your situation.

So: here's how to think through it.

What a will does — and what it doesn't

A will is a legal document that does two things: it names who gets your property when you die, and it names who's in charge of carrying out your wishes (called your executor, or in California, your personal representative). It can also name a guardian for minor children, which is one of the most important things a young parent can do.

What a will doesn't do: it doesn't keep your estate out of court. In California, a will still goes through probate — the court-supervised process for settling debts, handling claims, and transferring property to the people you named. Probate in California is slow. It typically takes eight to eighteen months, sometimes longer if there are complications. And it's expensive: California sets probate attorney fees by statute, calculated on the gross value of the estate — not the net. On a $700,000 house, the combined statutory fees for the attorney and executor can run $34,000 or more.

Probate is also a public process. The inventory of your estate, the names of your beneficiaries, and the terms of the distribution become part of the court record — which anyone can look up.

What a trust does

A revocable living trust is a legal entity that owns your assets. You create it, you fund it (meaning you retitle your assets into it), and while you're alive, you control it completely — you can change it, add to it, remove things from it, or revoke it entirely. Nothing about your daily life changes. You just hold title to your assets differently.

When you die, the successor trustee you named steps in and distributes the assets according to your instructions. No court. No probate. No waiting eight months for a judge to sign off on something you already decided years ago.

That's the core practical advantage: trusts avoid probate. Everything else — privacy, control over how and when beneficiaries receive assets, managing property in multiple states — flows from that same basic structure.

Who actually needs a trust

If any of these describe you, a trust is worth serious consideration:

You own real estate in California. This is the biggest one. A house, a rental property, farmland, a commercial building — any California real property that passes through probate will trigger the statutory fee calculation. On a modest Kings County home worth $400,000, the probate fees alone can run $18,000 to $22,000. A trust that costs a fraction of that avoids the fee entirely. For most California homeowners, a trust pays for itself many times over.

You want privacy. Probate is public. Trust administration is not. If you don't want the details of your estate on file at the courthouse, a trust keeps those details private.

You have minor children and want to control how they receive an inheritance. A will can name a guardian, but it doesn't give you much control over timing. A trust lets you specify that your children receive their inheritance at 25, or 30, or in stages — rather than having a lump sum handed to an 18-year-old.

You have a blended family. If you want to make sure your children from a first marriage receive specific assets — rather than leaving everything to a surviving spouse who may later change their own plan — a trust lets you structure that precisely.

You own property in multiple states. A will has to go through probate in each state where you own real property. A trust avoids that entirely.

"I tell people all the time: you don't need me. If your estate is simple and your accounts have beneficiaries, a simple will may be enough. Sometimes nothing at all is enough. I'm not going to sell you something you don't need — that's how attorneys lose their reputation."

— Jonette M. Montgomery

Who doesn't necessarily need a trust

Just as specifically, here's when a trust may be more than you need:

You don't own real estate. If you rent and have no property, you don't have the probate exposure that makes a trust most valuable. Your accounts, your car, your personal property — these can often transfer without probate through other means.

Your accounts already have named beneficiaries. Bank accounts with a payable-on-death (POD) designation, retirement accounts (IRAs, 401ks), and life insurance policies all pass directly to the named beneficiary — completely outside of probate, regardless of whether you have a will or trust. If your accounts are already set up this way and you don't own real property, your estate may largely bypass probate without any additional planning.

Your estate is under California's small-estate threshold. California allows heirs to collect property using a simple small-estate affidavit — no court required — when the total value of assets that would go through probate is under a certain threshold (currently around $184,500, though this figure adjusts periodically, so confirm the current limit before relying on it). If your estate falls under that number and doesn't include real estate, your family may be able to handle everything without an attorney at all.

You have one heir and named beneficiaries on everything. If your situation is genuinely simple — one child, accounts with that child named as beneficiary, no real property — a well-drafted will and updated beneficiary designations may be completely sufficient.

The honest case for a will-only plan

A simple will is genuinely the right answer for a lot of people. Young renters without significant assets. Single people with straightforward beneficiary designations. Families in early earning years who haven't yet accumulated real property.

A will is faster to draft, simpler to maintain, and costs less than a trust. If your situation doesn't create significant probate exposure — because you don't own real estate and your accounts have named beneficiaries — the primary practical advantage of a trust doesn't apply to you right now.

"Right now" matters. Your situation can change. The right plan for a 30-year-old renter may be a simple will. The right plan for that same person at 45, now owning a home and with kids, is probably a trust. Estate plans are not one-time documents — they should be reviewed when your life changes significantly.

The honest case for a trust

If you own a home in California, you almost certainly want a trust.

I've said it plainly to hundreds of clients: the probate savings on a California home almost always exceed the cost of the trust several times over. It's not a close call for most homeowners. The question isn't whether to get a trust — it's making sure the trust is properly funded (meaning your home and other assets are actually titled in the name of the trust), because an unfunded trust provides none of the benefits.

A trust that sits in a drawer while your house stays in your personal name is not going to avoid probate. Funding the trust — actually retitling assets into it — is the step that many families skip, and it's the step that matters.

What to do next

Two steps, neither of which requires an attorney yet:

1. Make a quick list of what you own. House, vehicles, bank accounts, retirement accounts, life insurance, investment accounts. For each account or asset, note whether it already has a named beneficiary. That list — even a rough one — tells you most of what you need to know about your probate exposure. If you own California real estate that isn't in a trust, you have exposure. If you don't, you may not.

2. Bring that list to a consultation. The right plan becomes fairly obvious once the assets are on paper. A good consultation for a straightforward estate shouldn't take more than an hour, and you'll leave knowing exactly what you need and what you don't. If an attorney can't give you a clear answer about whether you need a trust after seeing your asset list, that's useful information too.

For families in Hanford, Tulare, Corcoran, Lemoore, and throughout Kings and Tulare County, I'm happy to have that conversation. If you genuinely don't need anything, I'll tell you that. If you do, we'll talk through what makes sense for your situation — not for the average family, and not for the most expensive option.