Free Resource · Estate Planning

Illinois Estate Planning Decision Tree

A 2-page visual decision tree showing when a will is enough, when a TODI (Transfer-on-Death Instrument) makes sense, when a revocable living trust is appropriate, and when comprehensive asset-protection planning is warranted. Built for Illinois residents.

Most Illinois adults don't have a will. Of those who do, most chose a will when a trust would have served them far better. This decision tree gets the structure right before you spend money on the wrong document.

What's in the PDF

  • Page 1 — The decision tree: triggering questions (Do you own real estate? Do you have minor children? Do you have a beneficiary with special needs? Do your assets exceed Illinois $4M estate-tax threshold?) leading to recommended structures.
  • Page 2 — Cost and timeline matrix: what each structure costs (will + POA from $500, trust package from $2,000, comprehensive plan from $4,000), how long it takes to set up, and what each one does NOT protect against.

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Frequently asked questions

I already have a will. Should I still download this?
Yes. The decision tree shows you whether your existing will is sufficient or whether your situation has changed (acquired property, had children, married, divorced, started a business, inherited assets) in a way that warrants additional planning.
Does this replace seeing an attorney?
No. The decision tree narrows your options. The actual planning — drafting the documents, signing them properly under Illinois law, funding a trust, coordinating with beneficiaries — requires an attorney. Adam offers a 5-minute triage call to confirm what you actually need before any commitment.
Is this Illinois-specific?
Yes. Illinois has its own estate tax (kicks in at $4M, lower than the federal $15M), its own probate process, its own TODI statute (effective for real estate). The decision tree reflects Illinois law specifically.

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Where can Adam help today?

I’m selling a home → I’m buying a home → I need a will or trust → I’m a real estate broker →