Can I Write My Own Will?
A closer look at DIY estate planning…and where it often goes wrong.
With so many websites offering downloadable wills and power of attorney forms, it's no surprise that more people are choosing to take a do-it-yourself approach to estate planning. And to be clear, doing something almost always beats doing nothing.
But there's a difference between having documents and having a plan.
As an estate planning attorney, I’ve worked with individuals who brought in DIY documents that looked fine on the surface but didn’t hold up when it mattered. They were missing required language. They weren’t signed or witnessed correctly. They named agents or beneficiaries in a way that conflicted with state law or other documents.
These situations are heartbreaking because they are preventable. No one plans to leave a mess. Most people truly believe they are doing the right thing.
Why Specificity Matters in Estate Planning
What many don’t know is that estate planning is not just about filling in blanks. It’s about making sure your wishes can actually be carried out under the law in your state.
Take powers of attorney (POA), for example. Many banks or hospitals will reject a generic POA if it doesn’t include the right authorizations. A loved one might be legally named to help you but still be turned away when trying to access accounts or make medical decisions. That delay can cause stress, lost time, and even missed opportunities to protect assets or ensure care.
This is especially important if you:
Own property in more than one state
Are part of a blended or non-traditional family
Have a child or beneficiary with special needs
Want to avoid probate or reduce estate taxes
Care about who makes decisions if you become incapacitated
Templates don’t account for these complexities. And more importantly, they don’t come with advice. This is why it is vital to work with a licensed estate planning attorney. (Check out this post on how to choose an attorney).
But What About the Cost?
Working with an attorney can feel out of reach. I understand that. But many estate planning lawyers offer flat fees, limited-scope services, or payment plans. There are also legal aid organizations, pro bono clinics, and state bar programs that provide free or low-cost help if you qualify.
Estate planning doesn’t have to be all or nothing. And it’s worth asking what options are available before assuming it’s not possible!
Your Life Isn’t One-Size-Fits-All. Your Plan Shouldn’t Be Either.
There’s nothing wrong with starting with a DIY approach, especially if it's all you can do right now. But when you’re ready for a plan that reflects your real life consider working with a licensed and trained attorney who can guide you through the process, answer your questions, and create a strategy that actually works.
Ready to start planning with confidence?
I’m here to help. I offer compassionate, customized estate planning designed to fit your needs. If you , schedule a virtual consultation here.
