Creating an estate plan isn’t just for those that are well-off. If you’re getting older and you haven’t created an estate plan yet, now is the time. Creating a plan for after you’re gone has a long-lasting impact on the protection of your loved ones. Even if you don’t feel like you have a lot for your loved ones to inherit, it’s important to create an estate plan that determines how your assets — both material and financial — will be distributed after you pass away.