Why DIY Wills Could Cost Your Family Big in NJ

Dec 3

The internet is full of DIY solutions for almost everything these days, including Wills and estate planning. It’s tempting—fast, cheap, and easy, right? But in New Jersey, using a DIY Will could lead to unexpected problems for your loved ones when it matters most.

Here’s why working with an estate planning attorney is a better investment in the long run.

1. One-Size-Fits-All Doesn’t Work for Your Family

DIY templates are generic and don’t account for New Jersey’s specific laws or your family’s unique needs. For example:

Do you have a blended family?
Do you want to protect your assets from creditors or in-laws?
Do you have a disabled child who needs special provisions?

A cookie-cutter Will won’t address these complexities.

2. NJ Probate Laws Are Tricky

New Jersey has a probate process that’s easier than in some states, but it’s still complex if you leave behind an unclear or invalid Will. Mistakes in a DIY Will—like improper witnessing or unclear language—could lead to delays, disputes, or even having your estate handled as if there was no Will at all.

3. DIY Wills Often Miss Tax Planning Opportunities

Middle-class families in New Jersey are often unaware of how estate and inheritance taxes could affect their loved ones. While New Jersey no longer has an estate tax, the inheritance tax may apply to assets left to certain beneficiaries, like nieces or siblings. A solid estate plan can reduce or eliminate these taxes.

4. You Might Overlook Key Documents

A Will alone isn’t enough to protect you and your family. A comprehensive estate plan includes:

Power of Attorney (POA): For financial decisions during your lifetime.
Living Will/Healthcare Proxy: For medical decisions if you’re incapacitated.
Revocable Trusts: To avoid probate and ensure privacy.

DIY options rarely guide you through creating a full plan.

5. It’s About Peace of Mind

When you work with an estate planning attorney, you’re not just getting documents—you’re getting advice tailored to your specific situation. You’ll know your loved ones are protected, your wishes will be honored, and your legacy will be preserved.

Take the Guesswork Out of Estate Planning

Estate planning is too important to leave to chance. A DIY Will might save a few dollars now, but the costs to your family could be far greater. Let’s work together to create a plan that truly protects your family and gives you peace of mind.

📅 Schedule your Peace of Mind Planning Session today and mention this blog to waive the $450 fee!

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