Kentucky requires a six-month creditor period from the date the personal representative is appointed (KRS Chapter 396, claims against decedents' estates). Distribution before that period closes is possible but exposes the personal representative to personal liability if late-arriving valid claims surface. For most estates, the floor is six months from appointment.
Twelve months is more typical when the estate has real property to convey, out-of-state assets, contested bequests, or creditor claims to negotiate. Eighteen-plus months happens when there is litigation — a will contest, a disputed creditor, or a fiduciary-duty challenge.
I tell you the realistic timeline at the consult, not after you've engaged.