Kentucky requires a six-month creditor period from the date the personal representative is appointed (KRS 396.011(1); if no personal representative is ever appointed, the outer bar is two years from death). 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.