Write the next sentence in this paragraph:

How to access estate assets not held by a living trust 
Read the will. 
The decedent can appoint an executor (also called a " personal representative ") in his or her will. This person will serve unless they decline or are otherwise disqualified.

Available options:
 (1). Find the decedent's will and see if someone has been named as the executor. If no one was named, or if no will was created, then the judge will have to appoint someone to serve..
 (2). Therefore, a surviving spouse, significant beneficiaries or someone who is named as a " personal representative " would very likely inherit the estate. In most states, you will have to complete a " portal " to access the will..
 (3). Banks and other financial institutions may not appoint a personal representative unless the will is deductible. If you make a judgment, you want to make sure that the will was meant to be taken advantage of before dissolution..
 (4). Sometimes, the decedent can appoint someone to do the administration and elect someone to manage the assets. A will expires after death, regardless of the will's structure and language..
(1).