Floppy Disk - Essential Estate Plan

Estate planning documents
designed for families who plan ahead

Give Your Family Legal Authority

Your family needs more than knowing what you wanted. They need legal documents that banks, hospitals, and courts will honor. Attorney-approved templates ensure your estate plan holds up when it matters most.

Skip the Attorney Runaround

Traditional estate planning means weeks of scheduling, hours in waiting rooms, and thousands in legal fees. Our guided questionnaire walks you through everything—complete your plan from home in one sitting.

Protect Everyone You Love

From healthcare directives to powers of attorney, your estate plan covers the decisions that matter most. Ensure the right people have the legal authority to act on your behalf—whether you’re incapacitated or gone.

Create Your Essential Estate Plan Online in Under an Hour

$259 flat rate for individuals or couples, at no extra charge

For individuals and married couples who want to protect their family but don’t know where to start.

Get every legal document you need to protect your wishes, your healthcare, and your finances. Complete your estate plan from home, on your own schedule, at a fraction of what an attorney charges.

How the Essential Estate Plan Works For You

The Essential Estate Plan gives you every core legal document you need, written in plain language, with a guided questionnaire that walks you through every decision from start to finish.

This is not a generic template you download and hope you fill 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 or more to prepare.

Here is what makes this different from other online estate planning services.

You are not guessing what you need.

The package includes exactly the documents that cover the three critical areas of estate planning: what happens to your assets, who makes medical decisions for you, and who manages your money if you can’t. Nothing is missing. Nothing is extra.

You are not translating legal jargon.

Every document comes with plain-language instructions that explain what each section means, why it matters, and exactly how to complete it. The included FAQ addresses the specific questions people ask most when creating an estate plan on their own.

You are not doing this alone.

The Instructions and Information Guide walks beside you through the entire process. Think of it as the consultation you would get from an estate planning attorney, except it is written down, available anytime, and included in the price.

What Is Included In Your Essential Estate Plan

Last Will and Testament

Your will tells the court exactly how you want your assets distributed, who you want to manage your estate (your executor), and if applicable, who you want to raise your children. Without a last will, your state’s intestacy laws make every one of those decisions for you. Your spouse, your children, your partner, your favorite charity: none of them are guaranteed to receive what you intended.

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 shouldn’t 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.

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 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 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 $259.

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.

One purchase. Two 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.

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:

Identify your beneficiaries:

Confirm your basic personal details:

Determine your healthcare preferences:

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.

How You Benefit From Having an Estate Plan in Place

Six months from now, every critical legal document is signed, stored, and in the hands of the people who need them. Your spouse knows exactly who to call and where to find everything. Your healthcare wishes are written down. Your finances are protected.

If something happens to you, your family does not face a courtroom. They do not face confusion. They do not face months of legal delays and thousands of dollars in fees.

You are not the person who “needs to get around to it.” You are the person who handled it.

That is what this plan gives you.

It’s not just documents; it’s the peace of mind that comes from knowing your family is protected.

The people who complete their estate plans never say “I wish I had waited.” They say “I wish I had done this sooner.”

Why You Should Choose Future Proof Plans

Future Proof Plans was built on a straightforward belief: protecting your family should not require a $3,000 attorney retainer and three weeks of appointments.

Built by estate planning professionals.

The documents, questionnaire logic, and instructional guides behind the Essential 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 Essential 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 Essential 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? Reply to any email to contact our support team. A real person will help you.

Essential Plan vs. Complete Plan:
Which One Fits?

The Essential Estate Plan covers the foundational documents every adult needs. But depending on your situation, you may benefit from the additional protection of the Complete Estate Plan.

Here is the simplest way to decide.

Choose the Essential Estate Plan if…

If your assets are straightforward, you rent your home or do not own significant real estate, and you want the core legal documents in place. The Essential Plan is also a strong starting point if you plan to add a trust later as your situation grows.

Choose the Complete Estate Plan if…

If you own a home, have multiple financial or investment accounts, want your family to skip probate entirely, have minor children and want to control when they receive their inheritance, or value privacy in how your estate is handled.

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.

How the Essential Estate Plan Compares

Essential Estate PlanTypical AttorneyOther Online Services
Last Will and TestamentIncluded$300 to $1,200Often separate purchase
Financial Power of AttorneyIncluded$200 to $350Sometimes extra
Healthcare Power of AttorneyIncluded$200 to $350Sometimes extra
Living Will / Advance DirectiveIncluded$150 to $250Sometimes extra
Step-by-Step InstructionsIncludedVerbal onlyVaries
FAQ GuideIncludedBillable questionsLimited
Couples CoverageBoth spouses includedDouble the feeOften separate pricing
Total Cost$259$1,500 to $3,000+$150 to $500+
Annual SubscriptionNoneN/AOften required
Completion TimeUnder 1 hourMultiple appointmentsVaries
Save Progress and ReturnYesN/AVaries
State-Specific DocumentsYesYesVaries
Accessible on Any DeviceYesOffice visitsVaries

Create Your Estate Plan Today

Every day without an estate plan is a day your family is unprotected

Most people finish the questionnaire the same day they start. By the end of the week, their documents are signed and their family is covered.

One hour; complete protection. $259 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 you own a home, have multiple financial accounts, or want to avoid probate entirely, the Complete Estate Plan with a trust may be the better fit. Click here to compare the Essential and Complete Estate Plans.

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Attorney-backed
Estate Planning
designed specifically for families like yours

A guided questionnaire walks you through every decision, no legal jargon, no confusing forms. Your answers populate attorney-approved templates built for your state’s requirements, giving you the same legal foundation as a traditional law firm at a fraction of the cost.

Online Estate Planning Pricing For Families

Straightforward pricing
for complete peace of mind

Compare Your Options

Essential Estate Plan

Create Your Essential Estate Plan Online in Under an Hour
$ 249 flat fee for individuals & families
  • Last Will and Testament
  • Financial Power of Attorney
  • Healthcare Power of Attorney
  • Living Will / Advance Directive
  • State-specific compliance
  • Execution instructions and FAQs
  • Complete in under an hour
  • Revocable Living Trust
  • Trust funding guide
  • Deed templates

Complete Estate Plan & Trust

Create Your Estate Plan & Trust Online in Under an Hour
$ 429 flat fee for individuals & families
  • Last Will and Testament
  • Financial Power of Attorney
  • Healthcare Power of Attorney
  • Living Will / Advance Directive
  • State-specific compliance
  • Execution instructions & FAQs
  • Asset-by-asset trust funding guide
  • Revocable Living Trust
  • Pour-Over Will
  • Deed template(s) for property transfer
  • Avoid probate entirely
  • Control when beneficiaries inherit
  • Complete in under an hour
14 Day Guarantee

No retainers, no hourly rates, no return visits.

Complete your estate plan once and have documents ready whenever life changes.

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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.

Frequently Asked  Questions

Explore frequently asked questions about your Essential Estate Plan to learn everything you need to know.

What is an estate plan and what documents does it include?

An estate plan is a set of legally binding documents that establishes who inherits your assets, who makes financial and medical decisions on your behalf if you cannot, and how your end-of-life care is handled. Without these documents, courts and state laws make every one of those decisions for your family.

A complete will-based estate plan includes four core documents that work together as a system. A last will and testament directs the distribution of your assets and names the executor who manages your estate after you die. A financial power of attorney authorizes a person you trust to manage your finances, pay your bills, and access your accounts if you become incapacitated. A healthcare power of attorney names the person who makes medical decisions on your behalf when you cannot communicate your wishes. A living will documents your specific preferences for end-of-life care and life-sustaining treatment so your family and doctors have clear direction.

These four documents address three distinct legal scenarios: death, financial incapacity, and medical incapacity. Covering all three is what makes an estate plan complete. A will alone without powers of attorney leaves your family unprotected in every scenario where you are still alive but unable to act.

What happens if you die without a will?

If you die without a will, your state’s intestacy laws determine who inherits your assets, who raises your children, and who manages your estate. These laws follow a fixed formula based on family relationships, not your actual wishes, the relationships you valued, or the people who depended on you.

Intestacy laws do not consider your unmarried partner, who may receive nothing regardless of how long you were together. They do not honor informal promises you made to friends or family members. They cannot distinguish between an estranged sibling and a close one. They apply mechanically, and the results frequently conflict with what the deceased person would have wanted.

Beyond asset distribution, dying without a will means a court appoints an estate administrator rather than someone you chose. That administrator manages the probate process, which typically takes six to eighteen months and consumes three to seven percent of the estate’s total value in court costs, attorney fees, and administrative expenses. During that time, your family waits.

If you have minor children, dying without a will means no guardian has been legally designated. A court decides who raises your children based on whatever information is available, without the benefit of your judgment or wishes.

A last will and testament eliminates every one of these outcomes. It takes under an hour to create, and it replaces the state’s default formula with your own decisions.

What is a last will and testament and what does it legally do?

A last will and testament is a legal document that directs the distribution of your assets, names the person responsible for carrying out those instructions, and, if you have minor children, designates a guardian to raise them.

The person named to manage your estate is called an executor. The executor’s role is to gather your assets, pay outstanding debts and taxes, and distribute what remains to your named beneficiaries according to the will’s instructions. The executor works under court supervision through the probate process.

Your beneficiaries are the people or organizations who receive your assets. A will allows you to name specific beneficiaries for specific assets, divide your estate in whatever proportions you choose, and include people outside your immediate family, including friends, domestic partners, or charitable organizations.

Without a last will, none of these designations exist. State intestacy laws assign all three, who receives assets, who manages the estate, and who raises your children, using a formula that has no knowledge of your life, your relationships, or your wishes.

A will does not avoid probate. A will is the instruction document a court uses to conduct probate. If avoiding probate is a priority, a revocable living trust is required. For individuals and families with straightforward assets, the probate process is manageable and a will-based plan provides the core legal protection every adult needs.

What is a financial power of attorney and why does every adult need one?

A financial power of attorney is a legal document that authorizes a named individual, called your agent or attorney-in-fact, to manage your financial affairs if you become unable to do so yourself. This authority includes paying bills, managing bank and investment accounts, filing tax returns, handling real estate transactions, and making financial decisions on your behalf.

The critical scenario a financial power of attorney addresses is incapacity during your lifetime. A will takes effect only after death. If you are in a coma, recovering from a stroke, or otherwise unable to manage your own finances, your will provides no help. Without a financial power of attorney, your family has no legal authority to access your accounts, pay your mortgage, or manage your money, even if they are your spouse.

To gain that authority without a power of attorney, your family must petition a court for a legal guardianship or conservatorship. That process takes weeks to months, requires attorney fees, and results in court oversight of financial decisions that could have been handled privately and immediately by a person you trusted.

A durable financial power of attorney, the type included in the Essential Estate Plan, remains effective even if you become incapacitated. Non-durable powers of attorney expire at incapacity and are not appropriate for estate planning purposes.

Naming a backup agent is equally important. If your primary agent is unavailable, unwilling, or unable to serve, your backup agent steps in without requiring any additional legal process.

What is a healthcare power of attorney and who should I name as my healthcare proxy?

A healthcare power of attorney is a legal document that names the person authorized to make medical decisions on your behalf when you cannot communicate your own wishes. The person you name is called your healthcare proxy or healthcare agent.

Your healthcare proxy works directly with your medical team to make treatment decisions, consent to or refuse procedures, review your medical records, and communicate your wishes to healthcare providers. The scope of this authority covers any healthcare decision during incapacity, not only end-of-life situations.

Without a healthcare power of attorney, no single person has automatic legal authority to make these decisions for you, including your spouse. In the absence of a designated proxy, hospitals typically defer to the state’s default priority list for surrogate decision-makers, which may not reflect the person you would actually choose or the decision-making approach you would want.

When choosing your healthcare proxy, prioritize someone who knows your values and medical preferences, can communicate clearly and calmly under pressure, will advocate for your wishes even when family members disagree, and is geographically accessible or able to be reached quickly in a medical emergency.

Naming a backup healthcare proxy is critical. If your primary proxy is unreachable, incapacitated, or unwilling to serve at the time a medical decision is required, your backup assumes that responsibility immediately without requiring a new legal document.

A healthcare power of attorney is distinct from a living will. The healthcare power of attorney names who decides. The living will documents what you want decided. Both documents are included in the Essential Estate Plan, and both are necessary for complete healthcare protection.

What is a living will and how does it differ from a healthcare power of attorney?

A living will, also called an advance directive or healthcare directive, is a legal document that records your specific preferences for medical treatment at the end of life. It addresses decisions about life-sustaining treatment, mechanical ventilation, artificial nutrition and hydration, resuscitation, and palliative care under circumstances where you cannot communicate your wishes.

The distinction between a living will and a healthcare power of attorney is a consistent source of confusion, and understanding it matters. A healthcare power of attorney names a person to make decisions for you. A living will records the decisions themselves. They address different situations and serve different functions.

 

A living will is most relevant when no recovery is expected, when you are in a persistent vegetative state, have a terminal illness, or are otherwise at the end of life with no reasonable expectation of meaningful recovery. In those circumstances, a living will tells your doctors and your family exactly what you want, removing the burden of that decision from the people who love you most.

Without a living will, your family may face agonizing, uncertain choices with no guidance at the most difficult moment of their lives. Disagreements about end-of-life care are a significant source of family conflict and legal disputes precisely because there is no document that settles the question.

A living will does not override your healthcare proxy’s authority in situations the document does not specifically address. For that reason, having both documents, a healthcare power of attorney naming a trusted proxy and a living will documenting your preferences, provides the most complete healthcare protection.

What is an executor and what does an executor do?

An executor is the person you name in your last will and testament to manage your estate after you die. The executor’s legal responsibility is to carry out the instructions in your will, settle your debts and obligations, and distribute your remaining assets to your named beneficiaries.

The executor’s duties typically include locating and filing your will with the probate court, notifying beneficiaries and relevant government agencies of your death, taking inventory of your assets, paying outstanding bills and taxes from estate funds, managing estate assets during the probate process, and distributing the remaining estate to your beneficiaries according to the will’s instructions.

The executor operates under the supervision of the probate court and has a fiduciary duty to act in the interests of the beneficiaries, not their own interests. This is why naming someone trustworthy, organized, and capable is essential, and why naming a backup executor in case your primary choice is unable or unwilling to serve protects your family from unnecessary court involvement.

An executor does not need to be an attorney or financial professional. Most executors are family members or close friends. Complex estates may benefit from professional assistance, but the vast majority of will-based estate plans are administered by ordinary people following the will’s instructions.

What is a guardian designation and why does it belong in a will?

A guardian designation is the portion of your last will and testament where you name the person you want to raise your minor children if both parents die or become permanently incapacitated. Without this designation, a court appoints a guardian using whatever information is available, with no knowledge of your preferences, your children’s relationships, or the values you would want instilled in them.

A guardian designation is the most important reason for parents of minor children to have a will in place immediately. Asset distribution can be managed through other legal mechanisms. Guardianship cannot. The only legally recognized way to express your preference for who raises your children is in your will.

Your guardian designation should name a primary guardian and at least one backup. Consider the named person’s relationship with your children, their parenting values, their geographic location, their age and health, and their willingness to take on the responsibility. Discussing the designation with the person you name before finalizing your will avoids the situation where your chosen guardian is surprised by and unprepared for the responsibility.

A will-based guardian designation is an expression of preference, not an absolute legal command. Courts retain authority to appoint a different guardian if the named person is deemed unfit or unavailable. However, a clear designation in a valid will carries substantial weight in that determination and is far more likely to produce the outcome you intended than leaving the decision entirely to the court.

What is intestate succession and how does it affect unmarried partners and blended families?

Intestate succession is the legal process by which a state distributes a deceased person’s assets when they die without a valid will. Each state has its own intestacy laws that establish a fixed order of inheritance based on family relationships, typically moving from spouse to children to parents to siblings to more distant relatives.

Intestate succession creates serious problems for any family structure that does not fit the standard married-with-biological-children model.

Unmarried partners receive nothing under intestacy laws in most states, regardless of the length or depth of the relationship, cohabitation, shared finances, or any informal agreements. Without a will naming an unmarried partner as a beneficiary, that person has no legal claim to any part of the estate.

Blended families face compounding complexity. Stepchildren are typically not recognized as legal heirs under intestacy laws unless they were legally adopted. A surviving spouse may inherit a share of the estate that conflicts with the intentions of the deceased parent regarding children from a prior relationship. Assets may pass to biological relatives the deceased was estranged from while excluding the family members they actually lived with and cared for.

Friends, domestic partners, chosen family members, and charitable organizations also have no standing under intestacy law. Only a valid last will and testament overrides the state’s default formula and places your actual wishes into legally enforceable form.

Does a will, power of attorney, or living will need to be notarized to be legally valid?

Yes. Completing an estate planning questionnaire creates your documents. Notarization and proper witnessing is what makes those documents legally enforceable.

Each document in the Essential Estate Plan has specific execution requirements that vary by state. Here is how they generally break down:

A last will and testament requires your signature and the signatures of two adult witnesses who are not named as beneficiaries in the will. Many states also require a self-proving affidavit, a notarized statement from your witnesses confirming they observed you sign voluntarily and that you appeared to be of sound mind. A self-proving affidavit streamlines the probate process by eliminating the need to locate your witnesses after your death.

A financial power of attorney requires notarization in most states and witnesses in many. Banks and financial institutions routinely reject powers of attorney that do not meet their state’s precise execution requirements. An improperly executed power of attorney may leave your agent unable to access accounts at exactly the moment access is needed.

A healthcare power of attorney and living will typically require witnesses, notarization, or both depending on your state. Witness requirements exist specifically to protect against undue influence, ensuring these documents reflect your genuine wishes rather than someone else’s.

Finding a notary is straightforward. Most banks and credit unions offer free notarization to account holders. UPS stores, shipping centers, and office supply stores typically have notaries available. Mobile notaries will come to your home or office. Many states now permit remote online notarization via authenticated video call.

The Essential Estate Plan includes state-specific signing instructions that detail the exact execution requirements for each document, number of witnesses, notarization requirements, witness eligibility rules, and any additional steps your state requires. Follow those instructions precisely. A document signed incorrectly may be unenforceable when your family needs it most.

Can I create a legally valid will and power of attorney without hiring an attorney?

Yes. American citizens have a constitutional right to prepare their own legal documents, including wills, powers of attorney, and healthcare directives. The legal validity of these documents does not depend on whether an attorney drafted them. It depends on whether they meet your state’s specific requirements and are properly signed, witnessed, and notarized.

The documents generated through the Essential Estate Plan are the same documents an estate planning attorney would prepare. An attorney charges $200 to $500 per hour to ask you the same questions the questionnaire asks and populate the same document templates with your answers. The questionnaire guides you through every decision in plain English, with context explaining what you are deciding and why it matters.

What makes estate planning documents legally binding is not attorney involvement, it is correct execution. The Essential Estate Plan generates documents that meet your state’s specific requirements and includes step-by-step signing instructions so you know exactly what is required at your signing appointment.

If your situation involves significant estate tax exposure, complex business succession planning, or unusual family and asset circumstances, an attorney’s guidance may be appropriate in addition to a foundational plan. For the vast majority of individuals and families, the Essential Estate Plan provides the same legal protection at a fraction of the cost.

What is the difference between a will-based estate plan and a trust-based estate plan?

A will-based estate plan and a trust-based estate plan both protect your family and ensure your wishes are legally documented. The difference is what happens to your assets after you die and how your estate is administered.

A will directs your estate through probate, the court-supervised process where a judge validates your will, oversees debt settlement, and authorizes asset distribution. Probate is public record, typically takes six to eighteen months, and costs your family three to seven percent of the estate value in attorney fees, court costs, and administrative expenses.

A trust holds your assets outside the court system entirely. When you die, your successor trustee distributes the assets directly to your beneficiaries according to your instructions, no judge, no probate, no waiting, no public record.

The Essential Estate Plan is the right choice if your assets are relatively straightforward, you rent your home rather than own real estate, and your primary goal is to have core legal protection in place. For these situations, probate is manageable and a will-based plan covers everything your family needs.

The Complete Estate Plan, which adds a revocable living trust, deed templates, and asset-by-asset funding instructions, is the right choice if you own a home or real estate, have multiple financial accounts, want to keep your estate out of probate, or want control over when and how your beneficiaries receive their inheritance.

Both plans cover the three critical legal areas of estate planning: asset distribution, financial authority, and healthcare decisions. The Essential Plan is also a strong foundation to build on, if your situation grows more complex, upgrading to the Complete Plan adds the trust-based layer without starting over.

What is the difference between an executor and a power of attorney?

These two roles are frequently confused because both involve someone acting on your behalf. The critical distinction is when each role is active.

A power of attorney, whether financial or healthcare, is effective only during your lifetime. Your financial power of attorney authorizes your agent to manage your money, accounts, and financial decisions if you become incapacitated. Your healthcare power of attorney authorizes your healthcare proxy to make medical decisions when you cannot communicate. Both roles end at your death.

An executor is named in your will and has no authority until after your death. At that point, the executor manages the probate process, settles your debts, and distributes your estate to your beneficiaries according to your will. An executor has no authority to act before death and no role in managing your affairs while you are alive.

These roles can be held by the same person or by different people. Many people name their spouse as both their power of attorney and their executor. Others separate the roles, particularly if the person best suited to advocate for healthcare decisions is different from the person best suited to manage financial and administrative tasks.

Both roles require a named backup. If your primary designee is unavailable, unwilling, or incapacitated when the role is needed, a backup steps in without requiring additional legal proceedings.

Does the Essential Estate Plan cover both spouses at the same price?

Yes. When you choose the couples option, both spouses receive their own complete, independent set of estate planning documents for a single flat payment of $259.

Each spouse receives a separate last will and testament, a separate financial power of attorney, a separate healthcare power of attorney, and a separate living will. Each document reflects that spouse’s individual choices, because your wishes may differ from your partner’s. You might name different healthcare proxies, different backup decision-makers, or have specific instructions for your own end-of-life care that are independent of your spouse’s preferences.

Having separate, independent documents matters legally. A joint document that attempts to cover both spouses in a single file can create ambiguity and enforcement problems. Individual documents for each spouse ensure that each person’s wishes are clearly expressed and independently enforceable.

Most estate planning attorneys charge per person and bill each spouse separately, effectively doubling the cost. Other online services typically charge separate fees for each spouse. The Essential Estate Plan covers both at no extra charge, with no annual subscription.

When should I update my estate plan?

Your estate plan should reflect your current life, not the life you had when you created it. Review your documents after any significant life event and at minimum once a year.

Specific changes that typically require updates include marriage or divorce, the birth or adoption of a child or grandchild, the death of a beneficiary or named decision-maker, a move to a different state, the purchase or sale of significant property, a substantial change in your financial situation, and any change in your wishes regarding beneficiaries, executors, or decision-makers.

State-specific requirements also evolve. A will or power of attorney created years ago may reference provisions that no longer comply with your current state’s execution requirements, particularly if you have moved.

Updating your estate plan does not mean starting over. Most changes are targeted edits, updating a name, adding a beneficiary, replacing a decision-maker who is no longer the right person. Log into your account anytime to make changes before generating updated documents.

Do not wait for an annual reminder if something significant happens. A will that reflects your life from five years ago may fail the people you have been trying to protect.

 

How does the Essential Estate Plan compare to other online estate planning services?

The Essential Estate Plan differs from most online estate planning services in three meaningful ways: what is included, how it is priced, and what it costs couples.

Most online services charge $150 to $300 for a basic will alone and require annual subscription fees for continued access to your documents. Adding powers of attorney, healthcare directives, and instructional guides typically means additional fees or premium plan upgrades. The total cost for a complete will-based plan, including all four core documents, often reaches $400 to $500 before subscription fees.

The Essential Estate Plan includes all four core documents, a comprehensive instructions guide, and an FAQ for a single payment of $259. There is no annual subscription. Access to your documents does not expire.

Couples pricing is where the difference is most significant. Most competitors charge separate fees for each spouse, effectively doubling the plan cost. The Essential Estate Plan covers both spouses for the same $259 flat rate, each receiving their own complete, independent set of documents.

The documents themselves, the last will and testament, financial power of attorney, healthcare power of attorney, and living will, are generated to meet your state’s specific requirements. These are not generic downloadable templates. They are state-specific documents produced through a guided questionnaire with plain-language instructions at every step.

Complete your plan today. Protect them forever.

The best time was yesterday
the next best time is right now

Every day without an estate plan is another day your family would be left navigating courts, lawyers, and paperwork if something happened to you. You can change that in the next hour.

Complete a straightforward, guided questionnaire to generate your personalized, attorney-approved documents. Complete protection for the people who matter most.