Let’s Talk Estate Planning (Without the Yawns)
Why getting it sorted is easier—and more important—than you think.
Let’s face it—estate planning rarely tops the list of thrilling dinner party topics. But here’s the thing: when done well, it’s one of the most thoughtful, empowering, and future-proofing steps you can take.
At ACru, we see it as more than just “getting your Will done.” It’s about protecting your family, preserving your legacy, and making sure the people you care about aren’t left with a mess to clean up (or worse, caught up in a family feud worthy of a Netflix drama).
So let’s strip the jargon, ditch the doom, and walk through what estate planning is really about.
What Is Estate Planning (and why should I care)?
In simple terms, estate planning is deciding what happens to everything you own—and everyone you’re responsible for—if you’re no longer around to steer the ship.
It covers things like:
Who gets what
Who looks after your kids if they’re still little
Who pays the bills and ties up loose ends
What happens if you’re still alive but can’t make decisions for yourself
We often hear, “I’ve got a Will, so I’m all sorted, right?”
Well... maybe. But a Will is just one piece of the puzzle. A complete estate plan can also include Powers of Attorney, superannuation nominations, business succession plans, and even strategies for protecting your beneficiaries from risks like bankruptcy or divorce.
It’s Not Just for the Wealthy or the Elderly
There’s a common myth that estate planning is only for the rich or retired. Not true.
If you own a home, have super, run a business, have kids, or just want to make life easier for your loved ones—then you need a plan.
And with life getting more complex (think blended families, digital assets, and SMSFs), having a thoughtful estate plan in place helps avoid stress, confusion, and conflict later.
The Six-Month Rule Most People Don’t Know About
Here’s a quick one: by law, eligible people can make a claim on your estate for up to six months after your passing. That means even if you have a clear Will, your executor often can’t finalise things right away.
We see families get caught out by this all the time—not because they did something wrong, but because they didn’t realise the legal system works this way. It’s just one of many small, but important, things to consider.
Digital Assets, Super, and All the Bits We Forget
Gone are the days when estate planning meant just handing down a house and some cash. Now it includes:
Life insurance
Superannuation (which doesn’t always go through your Will!)
Digital files and photos
Online accounts
Even that old crypto wallet you forgot the password to
Our job is to help you pull everything together, so nothing important slips through the cracks.
How We Make It Easy at ACru
This isn’t a DIY job—and it’s not just “fill out a form and hope for the best.”
At ACru, one of our advisers will sit down with you (and your partner, if applicable) to walk through everything step by step. We help uncover what’s important to you, simplify the process, and do all the legwork needed to prepare for your solicitor.
Think of us as the translator between your life and the legal documents. We make sure the plan reflects your wishes, supports your goals, and protects the people you care about. And when it’s all sorted, you get that lovely feeling of peace of mind—without the paperwork headache.
So, Where to From Here?
If your estate planning is non-existent, half-done, or gathering dust in a drawer from 2007, we should talk.
We’ll make the process clear, human, and surprisingly stress-free. No Latin legal lingo. No overwhelm. Just solid planning for the life (and legacy) you’ve worked hard to build.
Reach out to your ACru adviser to book a session—and let’s get this sorted together.
*General information only. This blog is not legal or financial advice. We work alongside trusted solicitors to ensure your plan is legally robust and tailored to your needs.
