Your 2025 Guide to Florida Estate Planning

Florida estate plans have four main components: wills, trusts, powers of attorneys, and advance directives. Find out what each one does (and why).

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Updated on: May 23, 2025
Read time: 8 min

An estate plan documents your wishes—from how your assets should be handled after death to who can make medical decisions if you're unable to. Whether you're a longtime Florida resident or recently moved to the state, the key is starting your estate plan while you can clearly express your preferences and have time to consider all your options. 

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What are the most important parts of an estate plan?

Most estate plans in Florida include some combination of last wills, living trusts, powers of attorney (POAs), and advance healthcare directives. A lawyer or reputable online legal service like LegalZoom can help you create these documents—plus, our estate planning bundles come with the option to meet with an experienced attorney for advice. 

First, here's what to consider for each estate planning document. 

Wills

A will, also known as a last will and testament, specifies how you want your property distributed after you die. You'll also appoint an executor—a personal representative responsible for carrying out these wishes—and can name a guardian to care for minor children. 

Florida allows you to name almost anyone you trust as an executor. They must be at least 18 years old, mentally and physically capable of performing their duties, and have no convictions for felonies or certain forms of abuse (FL Stat. 733.303). 

In addition, your will must meet these requirements to be valid in Florida (FL Stat. 732.501 and 732.502):

  • It must be in writing.
  • You must be at least 18 years old and of sound mind.
  • You and two witnesses must sign the will in each other's presence. 

While Florida allows anyone to be a witness, it’s generally recommended to avoid asking “interested” parties (or those who directly benefit from the will) to act as witnesses. 

You can also create a "self-proving" will in Florida by signing an affidavit in front of a notary along with your witnesses (FL Stat. 732.503). This affidavit confirms that the will was properly executed and should expedite probate—the court-supervised process of distributing assets—since your witnesses won't need to testify to validate it later. 

Trusts

A trust is a legal arrangement that holds and manages your property for the benefit of others. When you create a trust, you'll transfer your assets into its ownership and name beneficiaries who will inherit from the trust. 

Most Floridians set up living trusts (known as "inter vivos" trusts), which come in two forms:

  • Revocable living trusts allow you to keep control over your assets and act as the trustee to manage the trust. You can modify or even dissolve the trust at any point. After your death, the trust becomes irrevocable, its terms are fixed, and your successor trustee will manage it according to your instructions.
  • Irrevocable living trusts typically require you to give up control over the trust assets once they're established. These trusts are less common, complicated, and more expensive to set up, so it's best to consult an attorney for help.

One of the main advantages of living trusts is that they avoid probate (provided they're set up and funded correctly). Many Florida estate plans have both documents—a living trust for major assets and a "pour-over" will to catch any remainders.

Power of attorney

A power of attorney (POA) gives someone (known as an agent or attorney-in-fact) the authority to handle your financial, business, or legal matters. A POA can be customized with these common features in Florida: 

  • A general POA grants your agent broad authority to manage most matters on your behalf, such as paying bills, signing contracts, or selling investments. 
  • A limited POA restricts your agent's authority to specific transactions or time periods, such as temporarily overseeing your affairs while you're traveling. 
  • A durable POA remains effective even if you become incapacitated. 

It's worth noting that Florida law doesn't recognize "springing" POAs, which only take effect under specific circumstances like future incapacity (FL Stat. 709.2108). Florida also requires you to explicitly list each power you're granting your agent—a general statement authorizing "all acts" isn't valid under state law (FL Stat. 709.2201). 

Lastly, in order to validate your POA, you and two witnesses must sign the document before a notary public (FL Stat. 709.2105).

Advance healthcare directive

An advance healthcare directive is a collection of legal documents that plan for your medical care if you become incapacitated. In Florida, this can include a living will, healthcare surrogate designation, and anatomical donation. Here's what each document does.

  • Living will: Specifies your preferences for medical care and life-prolonging procedures for when you can't speak for yourself. 
  • Healthcare surrogate designation: Also known as a medical proxy or agent, this names someone you trust to make medical decisions on your behalf. Your surrogate can also access your health information and communicate with your care team.
  • Anatomical donation: Allows you to specify whether you want to donate organs or tissue after death and, if so, how they may be used (e.g., research or education). 

These should be signed in the presence of two witnesses, as explained in FL Stat. Chapter 765. Once completed, you can provide copies to interested persons, such as your primary care physician and named surrogate. 

Beneficiary designations

Beneficiaries are the people you name to inherit specific assets—whether through a will or trusts. But some assets also pass directly to beneficiaries and should be addressed as part of the estate planning process, such as:

  • Life insurance proceeds
  • Retirement accounts like 401(k)s
  • Bank accounts with transfer-on-death (TOD) designations
  • Annuities

You'll want to review accounts like these that ask for beneficiary designations. Confirm that you've named your intended beneficiaries and keep these designations updated, especially after major changes like marriage, divorce, or death of a beneficiary.

What's unique about Florida estate plans?

The Sunshine State has a few unique considerations when it comes to estate planning. It's a good idea to work with a Florida estate planning attorney—such as the ones you can find through LegalZoom’s independent network—to understand the state's rules and requirements, with some notable examples below.

Common law property

Florida is a common law property state, which affects how property is divided in divorce and how it passes after death. Under common law rules, each spouse generally owns assets in their own name (unlike in community property states, where marital property is jointly owned). 

When one spouse dies, the estate plan (i.e., a will or trust) guides how property is distributed. If there's no will, Florida's intestate succession laws (Probate Code Chapter 732) determine how to divide the decedent's estate, but the surviving spouse usually has the largest claim. The main exception is if either spouse had children from a prior relationship—if so, then the surviving spouse and the deceased's children typically split the estate equally (FL Stat. 732.102).

Even if there's a will, courts may override certain distributions that fail to satisfy the surviving spouse's elective share. This gives spouses the right to claim at least 30% of the estate, regardless of what the will says (FL Stat. 732.2065). 

Florida probate

Probate is the court process that closes the deceased's estate and distributes their assets. While some assets bypass Florida probate entirely—like living trusts, property held in joint tenancy, and accounts with beneficiary designations—assets included in a will must go through this process.

After a person dies, someone close to them (usually the deceased's named executor) must file the will with the probate court within 10 days of learning of their death (FL Stat. 732.901). The court then validates the will, gives creditors a chance to file claims, and oversees the distribution of assets to beneficiaries after all debts have been paid. Altogether, the process typically takes several months to a year. 

When it comes to the cost of probate, Florida sets suggested attorney fees based on the estate's total value (FL Stat. 733.6171). However, these fees can be negotiated and are subject to change. Here are the current fees as of 2025.

Estate value Attorney fee
Up to $40,000 $1,500
$40,000–$70,000 $2,250
$70,000–$100,000 $3,000

For estates worth more than $100,000, the $3,000 fee applies plus a certain percentage of the estate’s value. 

Estate value Percentage-based fees
$100,000–$1 million 3% of the amount + $3,000
$1 million–$3 million 2.5% of the amount + $3,000
$3 million–$5 million 2% of the amount + $3,000
$5 million–$10 million 1.5% of the amount + $3,000
Over $10 million 1% of the amount + $3,000

It's worth noting that Florida has simplified probate options for smaller estates. Estates with no real estate and only minimal assets to cover final expenses (e.g., funeral and medical expenses) may qualify for "disposition without administration," which bypasses probate (FL Stat. 735.301).

There's also "summary administration"—an expedited probate process for estates worth no more than $75,000 or when the person has been deceased for over two years (FL Stat. 735.201).

Estate taxes

Florida has no estate tax, regardless of how you create your estate plan. This has been true since Jan. 1, 2005, when federal law changes eliminated Florida's estate tax system.

However, federal estate taxes may still apply to larger estates, specifically those worth $13,990,000 or more in 2025. Note that this value increases every year to account for inflation.

When should you update your estate plan?

As a general rule, you should review your estate plan every year to confirm it still reflects your wishes. You should also revisit it after any significant life events, such as:

  • Family changes (marriage, divorce, or new children)
  • Serious medical diagnoses or illnesses
  • Career or income changes
  • Starting or selling a business
  • Moving out of Florida
  • Buying or selling valuable property
  • Death of anyone named in the estate plan

Keep in mind that you generally can't change an irrevocable living trust, whereas all other estate planning tools discussed can be modified as needed.

How to start your estate plan today

Estate planning is one of the most important steps you can take to protect yourself and the people you care about. Still, there's an extensive estate planning checklist to work through—what documents you need, how to meet Florida's legal requirements, and how to account for the unique needs of your family. 

Whether you need a will, a living trust, or supporting documents like POAs, LegalZoom can help you create a custom estate plan in just a few steps. Then, we can connect you with an estate planning attorney who can review your plan and offer advice online—no in-person firm visits needed.

LegalZoom vs. Trust & Will

Features
Legalzoom logo
Trust & Will logo

Price for Last Will & Testament Estate Plan Bundle

$99
$199

Price for Living Trust Estate Plan Bundle

$399
$499

Attorney Assistance

+$150*
Includes unlimited revisions
+$299

Customers Helped

2.1M+
1M+

Documents included for Will Estate Plans

  • Last will and testament
  • Advance healthcare directive
  • Financial power of attorney
  • HIPAA authorization
  • Executor Guide
  • Last will and testament
  • Advance healthcare directive
  • Financial power of attorney
  • HIPAA authorization

Documents included for Trust Estate Plans

  • Living trust
  • Pour-over will
  • Advance healthcare directive
  • Financial power of attorney
  • HIPAA authorization
  • Certificate of trust
  • Schedule of assets
  • Trust funding guide
  • Bill of transfer
  • Living trust
  • Pour-over will
  • Advance healthcare directive
  • Financial power of attorney
  • HIPAA authorization
  • Certificate of trust
  • Schedule of assets
  • Trust funding guide

Printing & shipping of first set of documents

Complimentary
Complimentary

Printing & shipping of additional Last Will & Testament Estate Plan

$9.95
$25

Printing & shipping of additional Living Trust Estate Plan

$29.95
$35
*Attorney Assistance automatically renews at $199/yr after the first year.
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FAQs

Do you need a will and a trust in Florida?

You don't need a will and a trust, but many Floridians create both. A trust can help your beneficiaries avoid (or at least minimize) probate, while a will covers any assets not included in the trust. For specific advice, it's best to consult an estate planning attorney or use an online legal service like LegalZoom. 

Do last wills need to be notarized in Florida?

A last will doesn't need to be notarized to be valid in Florida, but it must be signed in the presence of two witnesses. That said, if you want to make a self-proving will, then you'll need to add a notarized affidavit, which can help avoid delays during probate. 

What assets do not go through probate in Florida?

Assets with named beneficiaries—such as life insurance, retirement, and payable-on-death (POD) accounts—generally bypass the probate legal process. Assets held in a living trust and jointly owned property with rights of survivorship are also exempt from probate

What kind of trust is best in Florida?

For most Floridians, a revocable living trust is the most practical option. It's flexible, relatively easy to update, and allows you to stay in control of your assets during your lifetime. In comparison, an irrevocable trust is much harder to establish and can't be modified after it's created.

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This article is for informational purposes. This content is not legal advice, it is the expression of the author and has not been evaluated by LegalZoom for accuracy or changes in the law.

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