The Real Cost of a “Cheap” or DIY Estate Plan: Why Saving Money Now Can Cost Your Family Later

6 November 2025

Like buying a cheap car, bargain-priced or DIY estate planning can leave your loved ones stranded without protection when they need it the most. Cost is an understandable concern, especially for legal services.  The lowest price, however, often carries the highest and hidden costs in the end – both financially and emotionally. Here’s why a comprehensive Life & Legacy Plan® is worth the investment instead. 

You’re Not Comparing the Same Thing

When someone tells you they can create estate planning documents for less money, they’re often right about one thing: the price. You can absolutely find attorneys who will draft basic documents—a will, trust, power of attorney, and healthcare directive—for a few hundred dollars. You can even find downloadable templates online for under $100 or use AI to draft documents for free.



But here’s the problem: you’re not comparing the same service.

It’s like hiring the lowest bidder to fix your leaky roof. The patch looks fine at first, and you’re pleased with the savings. But when the next storm hits, the ceiling caves in, the drywall buckles, and mold spreads through your home. That “cheap” fix ends up costing ten times more than doing it right the first time.

In short, you get what you pay for.


Estate planning works the same way—except the “storm” doesn’t come while you’re here to fix it. It comes when you’ve become incapacitated or passed away.  By then, it’s too late, and the people you love most are left with a plan that doesn’t work, and no one to turn to for help.

That inexpensive plan with basic set of documents you bought may look fine today, but when life’s inevitable challenges hit—illness, incapacity, or death—it can leave your loved ones with a tangled, expensive and stressful mess that could have been avoided.

This is the difference between building generational wealth and leaving your family with generational trauma and headaches.

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What a “Cheap” Plan Really Includes

If you opt for a low-cost estate plan from an attorney, an online provider, or a form you downloaded, here’s what you’re probably getting:

Cookie-Cutter Documents
You’ll receive a stack of templates with your name filled in and the basics inserted. They won’t reflect your family dynamics, unique assets, or the specific situations your loved ones may face. No software—or lawyer charging rock-bottom fees—can truly capture who you are or what matters most to you.

Assets Stick in Court or Lost Forever
Your legal documents may indicate where you want your assets to go, but no one helps you to transfer ownership by properly titling your assets, update beneficiary designations or track what you own and how that changes throughout life.  Without these steps, your plan can fail completely.  Low-cost or DIY plans skip this essential aspect entirely.


No Protection for Minor Children
If you have minor children, this element is critical. Even if your will names a guardian, low-cost plans rarely include the legal and practical measures necessary to ensure your children are cared for by the people you’ve chosen, in the manner you intend, and with the financial support those guardians will need. They also fail to address critical short-term protections—leaving open the possibility that your children could temporarily be placed in the care of strangers.

If you’d like to understand this issue more deeply, I’d be happy to provide you with a complimentary copy of Wear Clean Underwear. The book explains in detail how most traditional plans fall short for families with minor children or loved ones with lifelong special needs.


Lack of Understanding of Your Options
Many people walk out of a lawyer’s office with documents they don’t fully understand. That’s because the lawyer didn’t take time to explain their options or what their decisions actually mean.  The decisions you make within your plan—such as whether to include asset protection, when it’s appropriate, and why it matters—are among the most important choices you’ll face. You deserve to fully understand those options, yet attorneys offering low-cost plans often don’t take the time (or have the experience) to explain them in a way that ensures true clarity and confidence. Our firm’s approach is different: we provide transparent, flexible pricing tailored to your goals and take the time to guide you through each decision, ensuring you understand the value of every choice.


A One-and-Done Experience
With a “cheap” plan, the relationship ends once you sign the papers. There is no follow-up, check-ins, or updates that need to be reflected in your estate plan as your life changes. Your plan gathers dust until your family needs it—and by then, it’s outdated or ineffective.


No Support for Your Family When the Time Comes
When something happens, your family is left alone to figure out how to use the documents, navigate the court process, and settle your affairs—often while grieving. They’ll spend precious time and energy away from work or family trying to understand what to do next, instead of being cared for and guided through the process.


Missing the Most Important Aspects
What most families really want to leave behind isn’t just money—it’s meaning.  Memories. Guidance.  Words of love.  A cheap plan can’t capture your voice, your wishes, or the values that matter most.  My Life & Legacy Planning process is designed to do just that: it’s a relationship, not a transaction.  It ensures your plan works—and that your legacy includes who you are, not just what you own.

Why It Matters Now

If you’re now thinking, “I want a Life & Legacy Plan but maybe I’ll just start with a cheap plan and ‘upgrade’ it later,” let me know and we can discuss how to get started now with the least expensive plan possible with my office that still provides the benefits of ongoing support, proactive review, and you making choices about your fee with a clear understanding of your options. We can absolutely get started with the simplest, most basic option now and upgrade in the future. 


And, it’s also critical to remember that we aren’t guaranteed the future. That’s why we plan now. Legacy isn’t created after we are gone. It’s created in the day to day, moment to moment, choices we make now that leave the world a better (or worse) place after we are gone. I work with people every day who are reeling from the effects of an unexpected death, or who are preparing after a crushing diagnosis. The truth is we will all die, we just don’t know when. But with proactive Life & Legacy Planning, our lives become better, and death isn’t something to fear. 

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If you die with an incomplete, cheap plan in place, it could fail, and your family doesn’t get a do-over. They’re left dealing with financial and emotional chaos - when they’re grieving and least able to handle it.


A good roof isn’t built for sunny days; it’s made to weather the worst storms. The same is true for your estate plan.


Take the Next Step

When comparing estate planning options, I encourage you to ask not just, “What does it cost today?” but “What could it cost my family later if it doesn’t work?”  Peace of mind and false security are entirely different.

I help families create comprehensive Life & Legacy Plans that do more than prepare documents—they prepare your loved ones.  My process ensures that your assets are protected, you and your loved ones understand the plan, and your plan is reviewed and updated over time—so you never have to worry about a costly mistake derailing your family's future.

Click HERE to schedule your 15-minute discovery call today, and let’s build a plan that provides true peace of mind, protects your loved ones and your legacy.

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