Estate Planning in Bergen County, NJ: What Every Resident Should Know

October 20, 2025
Paramus Estate Planning

When people hear “estate planning,” they often assume it’s only for the wealthy or elderly. In reality, every adult in Bergen County, from young professionals to retirees, should have an estate plan in place. Whether you own a home in Old Tappan, own a business in Westwood, have a growing family, or just want peace of mind, creating a plan ensures your wishes are honored and your loved ones are protected.

🏠 Why Estate Planning Matters in Bergen County

Estate planning is about more than just distributing your assets after death. It’s about:

  • Protecting your family

  • Avoiding the delays and costs of probate

  • Reducing or avoiding New Jersey inheritance tax

  • Planning for potential incapacity

  • Leaving a meaningful legacy

Because New Jersey has its own unique estate and inheritance tax laws, a customized plan that reflects local regulations is essential.

📋 Key Estate Planning Documents for Bergen County Residents

Here are the core components of a strong estate plan in New Jersey:

1. Last Will and Testament

  • Specifies how your assets should be distributed

  • Names guardians for minor children

  • Goes through the Bergen County Surrogate’s Court

2. Revocable Living Trust

  • Helps avoid probate, saving time and money

  • Maintains privacy

  • Useful for managing assets if you become incapacitated

3. Durable Power of Attorney

  • Appoints someone to manage your financial affairs if you’re unable to

4. Advance Directive & Healthcare Proxy

  • Designates someone to make medical decisions on your behalf

  • Outlines your end-of-life care wishes

🧾 Special Considerations for Bergen County Residents

  • Real Estate: With high property values in Ridgewood, River Vale, and surrounding Bergen County towns, you may be closer to the New Jersey inheritance tax threshold than you think.

  • Blended Families: Many families in Saddle River, Oradell, and beyond are navigating second marriages or stepchildren—custom trust structures can help ensure fairness and clarity.

  • Probate Efficiency: While New Jersey probate is more streamlined than in some states, using trusts can still offer major advantages.

👥 Who Needs an Estate Plan in Bergen County?

If you live in Bergen County and fall into any of the following categories, estate planning is highly recommended:

  • You own a home or other real estate

  • You’re married or have children

  • You run a small business

  • You have retirement savings, life insurance, or other financial assets

  • You have specific wishes for medical care or end-of-life decisions

✅ Get Started Today

Estate planning doesn’t need to be complicated. An experienced Paramus estate planning attorney can help you understand your options and create a plan tailored to your goals and family situation.

At Paramus Estate Planning, we provide trusted, compassionate guidance based on New Jersey law and your unique needs. Whether you’re creating a simple will or designing a comprehensive trust-based plan, we’re here to help.

📞 Schedule Your Free Consultation

Take the first step toward protecting your family and your future. Contact us today to schedule a free consultation with a New Jersey estate planning attorney.

👉 Contact Us Now

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