Unless your situation is extremely simple, your executor may have to probate your will. This means they must seek court certification that it is legally valid. This can be costly and delay your heirs' access to your legacy.

When planning your estate, discuss the following issues surrounding probate:

• Whether or not your will requires probate.
• How to name a beneficiary other than your estate to receive your RRSP or RRIF, pension plans and life insurance policies.
• How owning assets jointly will mean they don't have to pass through your will.
• How transferring your assets to a living trust can avoid probate.