Navigating Probate in Missouri: An Insightful Guide to Understanding and Avoiding Probate

The legal landscape of estate planning can be complex and daunting, with probate being one of its most intricate components. This article offers an insightful view into what probate is, the specificities of the probate process in Missouri, and how it can potentially be avoided.

1. Understanding Probate

Probate is the legal process by which a deceased person's estate, including all property and assets, is managed and distributed. It typically involves authenticating the deceased's will, appraising the estate, paying off debts and taxes, and distributing the remaining assets to beneficiaries as outlined in the will.

In Missouri, as elsewhere, probate can be a time-consuming, costly, and public process, often taking months or even years to conclude and incurring substantial court and attorney fees.

2. Probate in Missouri: A Closer Look

Missouri law outlines specific rules and procedures for probate. If there's a valid will, the court will usually appoint the person named as the executor to administer the estate. If there's no will (a situation known as intestacy), the court appoints an administrator.

Certain assets, such as those held in joint tenancy or assets with designated beneficiaries (like life insurance policies), typically avoid probate in Missouri. However, any assets held solely in the deceased's name must generally go through probate.

3. How to Avoid Probate

Avoiding probate can save time, preserve privacy, and reduce the costs associated with the probate process. Here are some strategies to consider:

a. Joint Ownership: When property is owned jointly with rights of survivorship, it automatically passes to the surviving owner upon the death of the other, avoiding probate.

b. Revocable Living Trusts: This legal entity holds property on behalf of a beneficiary. When the trust's creator (grantor) dies, the property in the trust passes to the designated beneficiaries without probate.

c. Payable-On-Death and Transfer-On-Death Arrangements: Missouri law allows for Payable-On-Death (POD) designations for bank accounts and Transfer-On-Death (TOD) designations for securities and vehicle registrations, thereby avoiding probate.

d. Gift: Giving away property while you're alive helps decrease the size of your estate, which could potentially avoid probate.

4. Seek Legal Advice

While these strategies can help avoid probate, each has its own implications and should be used carefully. Engaging an experienced Missouri estate planning attorney can provide tailored advice to navigate these complexities.


Understanding the probate process and how to avoid it can provide peace of mind and ensure a smoother transition for your loved ones. An estate planning attorney can offer valuable guidance, helping you make informed decisions that align with your estate planning goals.