In today’s digital age, it seems there’s an app for almost everything – including estate planning. With just a few clicks, platforms like LegalZoom and Quicken Willmaker & Trust promise to help you draft a will, assign power of attorney, or even create a living trust—all from the comfort of your couch. Additionally, apps are more affordable than attorneys.
Estate planning apps offer undeniable convenience and cost savings, especially for those with straightforward needs. But when it comes to securing your legacy, is digital simplicity enough?
According to MMBB Financial Planning Director Colin Nass, CFP®, the answer is probably not. “Apps can guide you through the basics,” Nass explains, “but they can’t replace the nuanced advice of a seasoned estate planning attorney—especially when your assets, family dynamics, or state laws are complex.” For example, blended families, business ownership, or out-of-state property can introduce legal intricacies that a one-size-fits-all app simply isn’t equipped to handle. But even if your estate planning needs are simple, these apps are not a substitute for professional counsel. A missed clause or misunderstood legal term could lead to costly probate battles or unintended consequences for your heirs.
Some people take a hybrid approach by using estate planning apps as a starting point and then having their plans reviewed and finalized by lawyers. Risks exist in this scenario, too.
Nass adds, “It’s difficult to know if estate planning apps are current or even applicable in your state.” If you unwittingly draw up your will with an outdated platform or one that doesn’t apply to your state, when a lawyer reviews the documents, they may have to completely redo them. As a result, any cost savings you might have gained from using a hybrid model may be lost. The better approach may be to price comparison shop licensed estate planning lawyers in your state and use the attorney you settle on for your estate plan from soup to nuts.
In the end, estate planning isn’t just about paperwork—it’s about peace of mind. Whether you’re passing down a home, a business, or a family heirloom, the right guidance can make all the difference in being comfortable that your wishes are enforced after you pass. Moreover, paying some extra money now could save your loved ones money later. While apps may claim to offer a quick fix, when it comes to your legacy, there’s still no app for financial and legal wisdom.
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