Regardless of the size of your estate or the congeniality of your beneficiaries, one of the most financially responsible steps you can take is to carefully plan and document every part of your will. This includes common-sense moves like considering both liquid and illiquid assets, treating siblings equally and stating specifically if you’d like someone to be disinherited, as well as lesser known tips, such as creating a contract to transfer a business propety and including a “no contest” clause in your will. Equally important: make these plans while you’re healthy and able to resist temptations or settle disagreements between heirs.

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