One way to avoid probate is to use payable-on-death (POD) accounts. These accounts give you a way to keep a huge chunk of your money out of the probate process.
If you have money in your bank account, inform the bank of whom you wish to leave the money to, and then create the form that lets you implement this. With the duly filled form, the bank can go ahead and do the rest.
However, this process is set in motion the moment you die – when you still alive, your beneficiary doesn’t have any rights whatsoever of accessing the money in the bank.
The bank, however, permits you to edit the info on the form as you feel like. The bank understands that you can experience a change of heart, which means you can change the amount or add a different beneficiary.