When most people hear the word “will,” they imagine something meant for the wealthy, the elderly, or those with complicated assets. But the truth is simple: every adult needs a will — even if you think you don’t.

A will ensures that your wishes are followed, your loved ones are protected, and your assets are handled exactly the way you want. Without one, you leave the decision-making to the law, not the people you trust.

Here’s why creating a will should be a top priority.

1. It Protects Your Loved Ones

A will is one of the simplest ways to make life easier for your family during a difficult time. Without a will, the legal process of distributing your assets becomes longer, more stressful, and potentially more expensive.

A clear will means:

• Your partner and children know exactly what you want
• Your assets are divided fairly or as per your wishes
• Your family avoids unnecessary conflict

Creating a will is an act of care — it lifts a huge burden from those you love.

2. Your Assets Go Where You Want — Not Where the Law Decides

If you pass away without a will in New Zealand, your estate is distributed according to the Administration Act. That means the government decides who gets what, based on a set formula — and it may not reflect your wishes.

A will ensures your:

• Home
• Savings
• Investments
• KiwiSaver
• Family heirlooms
• Personal possessions

…are passed on to the right people.

Even if you think you don’t “own much,” your belongings still matter — and you get to decide what happens to them.

3. It Lets You Choose a Guardian for Your Children

If you’re a parent, this is one of the most important reasons to have a will.

Your will allows you to:

• Appoint a legal guardian for your children
• Specify how they should be cared for
• Provide financial arrangements for their wellbeing

Without a will, the courts decide who raises your children. Choosing a guardian gives you peace of mind knowing your children will be looked after by someone you trust.

4. It Can Save Your Family from Financial Stress

A clear, legally prepared will can:

• Speed up the estate administration process
• Reduce legal fees
• Minimise delays in releasing funds to your family

This is especially important if you have a mortgage, dependents, or ongoing financial commitments your family will need help with after you’re gone.

5. A Will Helps Prevent Family Conflict

Disagreements over money and property are common, especially when a will is missing or unclear.

A well-written will:

• Reduces confusion
• Clarifies your wishes
• Prevents disagreements between family members
• Protects blended family situations

A clear plan helps maintain harmony and avoids unnecessary tension.

6. Your Will Reflects Your Values and Legacy

A will also allows you to:

• Leave gifts to charities
• Make special arrangements for pets
• Leave personal messages or meaningful items
• Specify your funeral wishes

It’s more than a legal document — it becomes part of the story you leave behind.

7. It’s Easy to Update as Life Changes

Your will is not a “set and forget” document. You can update it whenever your circumstances change, such as:

• Marriage or separation
• Purchasing a home
• Having children
• Starting a business
• Receiving an inheritance

A will grows with you, ensuring your wishes remain accurate and relevant.

Everyone Needs a Will

Having a will isn’t about age, health, or wealth. It’s about protecting the people and the assets that matter most.

A will gives you:

• Control
• Clarity
• Security
• Peace of mind

These benefits are something every person should have.

Need Help Getting Started?

If you’re reviewing your finances, planning for your family, or setting up your mortgage structure, it’s the perfect time to sort out your will as well.

Bricks & Mortgages can connect you with trusted professionals so you can take the next step with confidence.

Book a free chat today and make sure your financial future is protected from every angle:
https://bricksandmortgages.co.nz/wills/