Having a will in Pennsylvania removes much of the uncertainty about what will happen to your assets after you die. It allows you to provide for your family as you wish, distributing the contents of your estate upon your death.

According to CNBC, estate planning is appropriate for virtually everyone, not just the wealthy. If you have a home, bank account, retirement fund, 401(k) or any item with financial or sentimental value, a will is critical. Without this duly witnessed legal document naming your beneficiaries, the state determines who receives the contents of your estate.

A will should not be a static document; it changes and evolves as your life changes. Review it whenever there is a significant life event, such as a birth, death, marriage or divorce. If you are in your 20s or 30s, you can name a guardian and set up a trust for young children in the event you die unexpectedly. You can also designate a person to make health care decisions if you become incapacitated. If a loved one has special needs, you can create a trust that helps pay for their care after you are gone.

Most people accumulate jewelry, artwork, homes and a broad range of creature comforts by the time they think about retirement. A will ensures the distribution of these items according to your directive. You can also set aside funds for charitable organizations of your choice and specify the donation of particular items. Many people name a financial power of attorney. This person makes decisions regarding finances if you can no longer make the decisions.