Create Your Complete Estate Plan with a Revocable Living Trust
$429 flat rate for individuals or couples, at no extra charge
For homeowners, parents, and families who want to keep their estate out of probate court.
Everything your family needs to skip probate entirely. Trust, pour-over will, powers of attorney, healthcare directives, deed templates, and step-by-step funding instructions. Complete your estate plan from home, on your own schedule, at a fraction of what an attorney charges.
Fact: A Will Goes Through Probate, That Is How It Works
Most people assume that having a will means their family is covered. And it does cover the basics. But there is a cost to the way a will works that most people do not think about until it is too late.
A will is a set of instructions for a court. When you die, a judge reviews it, validates it, and oversees the distribution of your assets. That legal process is called probate.
Probate is slow. The average probate case takes 6 to 18 months to resolve, and contested estates can stretch well beyond that. During that time, your family waits. They cannot sell the house. They cannot distribute accounts. They cannot move forward.
Probate is expensive. Attorney fees, court costs, executor commissions, and administrative expenses typically consume 3 to 7 percent of the estate’s total value. On a $500,000 estate, that is $15,000 to $35,000 that could have gone to your family.
Probate is public. Every document filed becomes part of the court record. Anyone can look up what you owned, who you owed, and who received what. Your family’s financial details become accessible to anyone who wants to see them.
Probate multiplies. If you own property in more than one state, your family faces a separate probate proceeding in every state where you hold real estate. Separate attorneys, separate courts, separate fees, separate timelines.
A will-based estate plan protects your family’s right to inherit. But it does not protect them from the process of inheriting. That process is probate, and for families with a home, investment accounts, or any meaningful assets, probate is a burden that is entirely avoidable.
How the Complete Estate Plan Works
A revocable living trust changes how your estate is handled after you are gone. Instead of sending your family through the court system, a trust lets your chosen successor trustee distribute your assets directly, according to your instructions. No judge. No courtroom. No waiting. No public record.
The Complete Estate Plan from Future Proof Plans gives you every document in the Essential Plan (will, powers of attorney, healthcare directives) plus the trust-based legal structure that eliminates probate entirely.
This is not a generic trust template you download and hope you filled out correctly. This is a guided process designed for someone with no legal background to produce the same documents an estate planning attorney would charge $1,500 to $5,000 or more to prepare.
Here is what makes this different from other online trust services.
Your will converts to a pour-over will.
This safety net catches any assets not already in your trust and directs them there. Your powers of attorney and healthcare directives continue to protect you during your lifetime. And your trust protects your family after you are gone, privately, efficiently, and on your terms.
You are not left with a document and no instructions.
Most online trust services stop at the trust document. They hand you the paperwork and leave you to figure out the rest. The problem is that an unfunded trust does not protect anything. If you sign a trust but never transfer your assets into it, those assets still go through probate.
The funding instructions are what make the trust real. The Complete Estate Plan includes deed templates for transferring your real estate and asset-by-asset trust funding instructions that walk you through every account type, every financial institution, and the specific language to use at each one. The trust document is the blueprint. The funding instructions are what make it work.
What Is Included In Your Complete Estate Plan
Revocable Living Trust
The centerpiece of your estate plan. Your trust holds your assets outside the court system. When you die, your successor trustee distributes them according to your instructions with no probate, no judge, and no public record. You maintain full control during your lifetime. You can change the trust, update beneficiaries, add or remove assets, or revoke it entirely at any time.
Pour-Over Will
Your safety net. A pour-over will catches any assets that were not transferred into your trust during your lifetime and directs them into the trust upon your death. This ensures that even overlooked accounts or newly acquired property are handled according to your trust terms. It also serves as the document where you name guardians for minor children.
Deed Template(s)
Pre-formatted templates for transferring your real estate into the trust. Real estate is typically the most valuable asset a family owns, and it is the one most commonly left outside a trust because people are unsure how to transfer it. Your deed templates include instructions for filling in property details, getting the deed notarized, and recording it with your county.
Asset-by-Asset Trust Funding Instructions
The document that separates a trust that protects your family from a trust that is just paperwork. These instructions cover every common asset type: bank accounts, investment accounts, retirement accounts, life insurance, vehicles, and more. Each section explains whether to retitle the asset into the trust or update the beneficiary designation, what to say when you contact each institution, and how to confirm the transfer is complete. This is what most online services leave out, and it is the most important step after signing.
Financial Power of Attorney
This document authorizes someone you trust to manage your finances, pay your bills, access your accounts, and handle your financial obligations if you become unable to do so yourself. Without a financial power of attorney, your family has to petition a court for permission to touch your own money. That process takes weeks or months, and it costs money your family should not have to spend.
Healthcare Power of Attorney
This names the person you want making medical decisions on your behalf if you cannot communicate your own wishes. Without a healthcare power of attorney, doctors and courts decide who speaks for you. Not your spouse. Not your parents. Not the person you would actually choose.
Living Will (Advance Directive)
Your living will documents your wishes regarding life-sustaining treatment, resuscitation, and end-of-life care. This is the document that prevents your family from having to guess what you would have wanted during the most difficult moment of their lives.
Instructions and Information Guide
A comprehensive companion that walks you through every document, every decision point, and every common scenario. This is the piece that turns a stack of legal forms into an estate plan you understand and can complete with confidence.
Frequently Asked Questions
Answers to the most common concerns people have when creating a trust-based estate plan without a lawyer, including trust funding, deed transfers, when to update your documents, how to handle specific family situations, and what to do after your documents are signed.
What Happens Without an Estate Plan
Right now, your family has no legal authority to act on your behalf.
If something happens to you tomorrow, a judge who has never met you, your spouse, or your children gets to decide everything. Who manages your money. Who makes your medical decisions. Who raises your kids. What happens to your home, your savings, your personal belongings.
Every one of those decisions gets handed to a stranger in a courtroom. And it happens through a legal process called probate that takes 6 to 18 months on average, costs your family 3 to 7 percent of your estate in legal fees, and makes everything public record.
Most people reading this have no legal documents preventing that from happening. Not because they don’t care. But because the traditional path to estate planning, hiring an attorney for $1,500 to $3,000, scheduling multiple consultations, and navigating confusing legal jargon, feels like a barrier built for someone else’s budget and schedule.
Every day without an estate plan is a day your family is unprotected. The good news is that fixing this takes less time than you think.
Estate Planning for Married Couples
When you choose the couples option, both spouses receive their own complete set of estate planning documents. That means separate trusts (or a joint trust, depending on your state and preferences), separate pour-over wills, separate financial powers of attorney, separate healthcare powers of attorney, and separate living wills for each of you.
This matters because your wishes may differ. You might name different successor trustees. You might have different backup decision-makers. You might have specific instructions for your own healthcare. Each spouse deserves a plan that reflects their individual choices, and both plans are included for $429.
The questionnaire walks both partners through the process together, making it easy to coordinate decisions like guardianship while keeping each person’s documents independent and legally complete.
Most competitors charge $499 to $599 or more for individuals and significantly more for couples. Future Proof Plans includes both spouses at the same flat price, with no hidden fees and no annual subscription.
One purchase. Two full estate plans. One afternoon.
See How Simple The Process Really Is
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Plain-English questions, not legal forms.
Every question includes context so you understand what you are deciding and why it matters. No legal jargon. No ambiguity.
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Complete it from anywhere.
The questionnaire works on your phone, tablet, or computer. Start on your lunch break and finish on your couch. Your progress is saved automatically, so you can close the browser and pick up right where you left off whenever you are ready.
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Professional documents, ready to sign.
When you finish the questionnaire, your answers generate a complete set of estate planning documents formatted for your state. Review them, print them, and schedule your signing appointment.
One thing you should know…
Once your documents are generated, the content is final. Make sure your answers are correct before you finalize. The questionnaire lets you review and change any answer before generating your documents.
Are Online Trust Documents legally valid?
Yes, estate planning documents you create yourself, including a revocable living trust, are legally valid, and you do not need an attorney to create them.
Your legal right to self-prepare.
American citizens have a constitutional right to prepare their own legal documents. This includes trusts, wills, powers of attorney, living wills, and other estate planning documents. Millions of Americans create valid estate plans without an attorney every year.
State-specific requirements built in.
Every state has different rules about how estate planning documents must be formatted, signed, witnessed, and notarized. The Complete Estate Plan is designed to meet the specific requirements of your state. When you enter your state during the questionnaire, your documents are generated accordingly.
The same documents attorneys produce.
The legal content of your trust, your pour-over will, your powers of attorney, and your living will is the same whether you draft it yourself or pay an attorney to draft it for you. The difference is the method of preparation, not the legal standing of the documents.
What makes your documents legally binding.
Your trust goes into effect once it is signed, notarized, and funded. Your pour-over will, powers of attorney, and healthcare directives become legally binding when signed in front of the required witnesses and a notary public, following the specific procedures for your state. The Complete Estate Plan includes step-by-step signing instructions so you know exactly what is required.
What about changes in the law?
Estate planning laws change infrequently, but when they do, it is good practice to review your documents. We recommend reviewing your estate plan after any major life event and at least once a year to make sure everything is current.
If your situation involves complex tax planning, business succession, significant wealth, or unusual legal circumstances, an attorney’s guidance may be appropriate.
For the vast majority of families, the Complete Estate Plan provides the legal protection and probate avoidance that a trust is designed to deliver.
The legal industry has spent decades making trusts feel like something only a lawyer can create. That was never true. What matters is that the documents are correctly prepared, properly signed, and compliant with your state’s requirements, and that the trust is actually funded. The Complete Estate Plan handles all four.
What You Need Before You Begin
You do not need account numbers, exact dollar amounts, or any financial documents in front of you. You just need enough information to make decisions and name the right people.
Identify the people you want to include in your estate plan:
- The person you want to serve as your successor trustee to manage and distribute your trust after you are gone, and a backup
- The person you want to manage your estate (your executor, named in your pour-over will) and a backup
- The person you want making financial decisions if you cannot (your power of attorney) and a backup
- The person you want making medical decisions if you cannot (your healthcare proxy) and a backup
- If you have minor children: who you want to raise them, and a backup guardian
Identify your beneficiaries:
- Who should inherit your assets, and roughly how you want things divided
- Any specific items you want to go to specific people
- What should happen if a beneficiary dies before you
- If you have minor children, at what age you want them to receive their full inheritance (your trust lets you set this)
Confirm your basic personal details:
- Full legal names and dates of birth for you, your spouse (if applicable), your children, and your beneficiaries
- Current addresses
Confirm your assets & associated information:
- Real estate assets
- Bank and investment accounts
- Retirement accounts
- Life insurance policies
- Vehicles and any valuable personal property
Determine your healthcare preferences:
- Your general wishes for end-of-life care
- Your general wishes for life-sustaining treatment
Decide on your Trust-specific preparations:
- How each property you own is currently titled (this is on your current deed or your county assessor's website)
- Which financial accounts you would want held in the trust
- Whether you have any existing deeds you might want to update
Most people already have all of this information in their heads!
The questionnaire prompts you through each decision, so you will not miss anything. If you are not sure about a particular answer, you can come back to it before you finalize.
Set aside an hour, that is all it takes.
Your Information Is Protected
Your estate plan contains sensitive personal information. We take that seriously.
After purchasing, you access your questionnaire and documents through a separate, secure platform with bank-level encryption. Your personal data is protected in transit and at rest. We do not sell or share your information with third parties.
Your completed documents are stored securely in your account so you can access them anytime you need them.
Create Your Complete Estate Plan in four Simple Steps
Step 1: Answer the questionnaire.
A guided set of questions walks you through every decision in plain English. No legal jargon. No confusing forms. Most people finish in under an hour. Your progress saves automatically, so you can take a break and come back anytime.
Step 2: Review your documents.
Your answers generate a complete set of estate planning documents customized for your state. Review everything to make sure the details are correct. You can change any answer before you finalize.
Step 3: Sign and notarize.
Print your documents and sign them in front of two witnesses and a notary. The signing appointment typically takes 20 to 40 minutes for the Complete Plan. Detailed signing instructions are included so you know exactly what to do and where to find a notary near you.
Step 4: Fund your trust, then store and share.
This is the step that makes your trust real. Transfer ownership of your assets into the trust by retitling bank accounts, recording new deeds for your real estate, updating investment accounts, and adjusting beneficiary designations on retirement accounts and life insurance. Your asset-by-asset funding instructions walk you through every step for every account type. Most people complete the funding process over one to two weeks, working through a few accounts at a time. Once funded, store your originals in a fireproof safe at home, keep digital backups in your Future Proof Plans account, and share copies with your successor trustee, executor, and other key people.
Most people complete the questionnaire the same day they start. By the end of the month, their trust is funded and their family is fully protected.
Benefits Of Having a Funded Trust
Because you have a trust, there is no court filing, no probate petition, no waiting for a judge, no public record.
On the positive, because you have a trust:
- Your spouse can access the bank accounts immediately.
- Your children’s inheritance is held in trust until the age you specified, managed by the trustee you chose.
- Your home can be sold, transferred, or retained without court approval.
- Your investment accounts are distributed according to your instructions.
If you own property in multiple states, your trustee handles it all under one trust, which means:
- No separate probate in each state.
- No additional attorneys.
- No multiplied fees.
This way, your family’s financial details remain private; that means:
- No public inventory.
- No court-filed accounting.
- No curious neighbors or distant relatives reviewing your estate.
Everything happens according to your plan, on your timeline, managed by the people you trust. That is what a funded trust does.
You are not the person who “meant to set up a trust someday.”
You are the person who handled it, today!
Why You Should Choose Future Proof Plans
Future Proof Plans was built by estate planning professionals who spent years watching families struggle with a process that should not be this hard. The legal industry charges thousands of dollars for documents that take an afternoon to prepare, and online services create trusts and then leave families to figure out the most important step, funding, on their own.
Built by estate planning professionals.
The documents, questionnaire logic, and instructional guides behind the Complete Estate Plan were developed by professionals with deep experience in estate planning law. Every question, every document section, and every set of instructions reflects the same standard of care you would expect from a qualified attorney.
State-specific, not generic.
Unlike downloadable templates that may or may not comply with your state’s rules, the Complete Estate Plan generates documents tailored to your state’s specific signing, witnessing, and notarization requirements.
Trusted by professionals.
Future Proof Plans has an established track record serving the estate planning industry. The direct-to-consumer Complete Estate Plan brings that same expertise to individuals and families who want to create their own plan without the cost and complexity of hiring an attorney.
A real company with real support.
Have a question before you start? Confused about something in the questionnaire? Not sure how to fund a particular account? Reply to any email to contact our support team. A real person will help you.
Essential Plan vs. Complete Plan:
Which One Fits?
The Complete Estate Plan is built for you if:
- You own a home or any real estate, and you want to keep that property out of probate. On a $350,000 home, that single transfer can save your family $10,000 to $25,000 in probate fees and months of waiting
- You have multiple financial or investment accounts and want to simplify how your family handles them
- You want to keep your estate private, because probate is public record and a trust is not
- You have minor children and want to control when they receive their inheritance, whether that is age 25, age 30, in stages, or with conditions
- You are in a blended family and want clearer, harder-to-contest instructions for who receives what
- You own property in more than one state, and you want one document that covers everything instead of separate probate in each state
- You want your family to avoid the cost, time, and stress of probate court entirely
This is the estate plan that gives your family immediate, private, direct access to everything you have built, with no court involvement. And it takes less than an hour to get started.
Essential Plan vs. Complete Plan:
Which One Fits?
The Complete Estate Plan and the Essential Estate Plan both protect your family. The difference is how your estate is handled after you are gone.
Here is the simplest way to decide:
Choose the Essential Estate Plan if…
If your assets are straightforward (bank accounts, retirement funds, personal property), you rent rather than own a home, and your beneficiary designations already cover most of your accounts. Probate would be manageable and the Essential Plan gives you the core legal documents for $259.
Choose the Complete Estate Plan if…
If you own a home or real estate, you have multiple financial accounts, you want to avoid probate, you want privacy, you have minor children and want control over inheritance timing, or you own property in more than one state. The Complete Plan pays for itself on a single asset by keeping it out of probate!
A quick rule of thumb:
If you own a home, the Complete Plan usually pays for itself by keeping that single asset out of probate. Probate fees on a $350,000 home can cost your family $10,000 to $25,000 in attorney fees and court costs alone.
Not sure? Start with the comparison below. Click here to compare plans & learn more about the Complete Estate Plan.
Common Questions About Online Trust-Based Estate Planning
Is a trust really necessary?
If you own a home, the answer is almost certainly yes. Without a trust, your home goes through probate when you die. Your family waits months, pays thousands in fees, and everything becomes public record. A trust eliminates all of that. If you rent and have straightforward assets, the Essential Plan may be all you need. But if you own property, have multiple accounts, or want any of the control and privacy benefits a trust provides, the Complete Plan is the right choice.
Can I really create a trust without a lawyer?
Yes. The documents in this package are the same documents estate planning attorneys prepare. The difference is that you are completing them yourself with detailed guidance, rather than paying someone $200 to $500 per hour to ask you the same questions and write down your answers. Creating a trust online is perfectly legal. American citizens have the right to prepare their own legal documents, and millions of people create valid trusts and estate plans without an attorney every year.
What if I do not fund the trust?
Then the trust does not protect anything. A signed trust with no assets inside it is just a document. Your assets would still go through probate as if the trust did not exist. This is why the Complete Plan includes asset-by-asset funding instructions. They walk you through every account type, every financial institution, and the specific language to use. Funding is not complicated, but it is essential.
How does this compare to other online trust services?
Most online trust services charge $499 to $599 or more for individuals, with additional charges for couples and annual subscription fees for updates. Trust and Will charges $499 for an individual trust, $599 for couples, plus a $19 annual subscription. LegalZoom starts at $399 for a basic trust, with premium plans and add-ons pushing the total higher, and couples pay more. Future Proof Plans is $429 for individuals or couples at the same price, with no annual subscription. More importantly, most competitors stop at the trust document. They do not include deed templates or asset-by-asset funding instructions. Without those, you have a trust but no clear path to making it work.
What about my mortgage? Will transferring my home trigger the due-on-sale clause?
No. Federal law (the Garn-St. Germain Depository Institutions Act) specifically protects transfers of residential property into a revocable living trust. Your lender cannot call your loan due because you transferred your home into your own trust. As a courtesy, you may want to notify your lender, but the transfer does not affect your mortgage terms, interest rate, or payment schedule.
Is a trust really necessary? “I heard I should just get a will.”
For some people, that is the right call. If you rent and have straightforward assets, the Essential Estate Plan covers everything you need. But a will goes through probate. If you own a home, have investment accounts, want privacy, or want control over when your beneficiaries receive their inheritance, a trust-based plan handles what a will cannot.
What if my situation changes?
Life changes. Marriages, divorces, new children, new property, relocations. When things change, your estate plan should too. We recommend reviewing your plan at least once a year and after any major life event. There is no limit on updates.
Does the $429 cover both spouses?
Yes, when you choose the couples option, both spouses receive their own complete, independent set of estate planning documents. One purchase covers both of you.
How the Complete Estate Plan Compares
| Complete Estate Plan | Typical Attorney | Trust and Will | LegalZoom | |
|---|---|---|---|---|
| Trust-Based Estate Plan | $429 | $1,500 to $5,000+ | $499 individual / $599 couples | $399+ (basic) |
| Couples Included at Same Price | Yes | Rarely (most charge per person) | No ($599 for couples) | No (additional cost) |
| Annual Subscription Fee | None | N/A (hourly for updates) | $19/year | Varies by plan |
| Pour-Over Will | Included | Typically yes | Yes | Yes |
| Financial Power of Attorney | Included | Typically yes | Yes | Yes |
| Healthcare Power of Attorney | Included | Typically yes | Yes | Yes |
| Living Will / Advance Directive | Included | Typically yes | Yes | Yes |
| Deed Templates for Property Transfer | Included | Sometimes (often extra cost) | No | No |
| Asset-by-Asset Funding Instructions | Included | Sometimes (varies by firm) | No | No |
| Step-by-Step Instructions Guide | Included | Verbal only | Varies | Varies |
| FAQ Guide | Included | Billable questions | Limited | Limited |
| Guided Online Questionnaire | Yes | No (in-person or phone) | Yes | Yes |
| State-Specific Documents | Yes | Yes | Yes | Yes |
| Completion Time | Under 1 hour | 2 to 4 weeks typical | 30 to 60 minutes | 30 to 60 minutes |
| Save Progress and Return | Yes | N/A | Varies | Varies |
| Accessible on Any Device | Yes | Office visits | Varies | Varies |
| Real Support When You Need It | Yes | Yes | Yes (business hours) | Yes (business hours) |
Attorney pricing reflects national averages for a trust-based estate plan including trust, pour-over will, powers of attorney, and healthcare directives. Individual attorney fees vary by location and complexity. Competitor pricing current as of early 2026.
Protect Your Family. Skip Probate. Start Today.
Every day without an estate plan is a day your family is unprotected
Your Complete Estate Plan includes a revocable living trust, pour-over will, powers of attorney, healthcare directives, deed templates, and the step-by-step funding instructions that make your trust real.
Most people finish the questionnaire the same day they start. By the end of the month, their trust is funded and their family is fully protected.
One hour; complete protection. $429 for individuals and couples.
14-Day Money-Back Guarantee: If you’re not completely satisfied for any reason, whether you don’t finish or don’t love the results, contact us within 14 days of purchase for a full refund.
If your assets are straightforward and you do not need a trust, the Essential Estate Plan may be the better fit. Click here to compare the Essential and Complete Estate Plans.
