DIY will kits and online legal document services have made estate planning more accessible than ever. But convenience comes with costs that many families don’t discover until it’s too late.
The Appeal of DIY Estate Planning
It’s easy to see why online will-making services are popular. They’re affordable (often under $100), quick (completed in an afternoon), and promise the same legal documents attorneys use.
For some situations, these tools work adequately. But estate planning isn’t one-size-fits-all, and Oklahoma has specific legal requirements that generic templates often miss.
Where DIY Wills Go Wrong
Improper Execution
Oklahoma requires wills to be signed with specific formalities. The testator (person making the will) must sign in the presence of two witnesses, who must also sign. Self-proving affidavits—while not required—can save your family significant time and expense during probate.
DIY services often provide generic instructions that don’t clearly explain these requirements. A will that isn’t properly executed may be challenged or rejected entirely.
Tax Planning Oversights
While Oklahoma doesn’t have a state inheritance tax, federal estate taxes still apply to larger estates. More commonly, DIY wills fail to address income tax issues related to inherited retirement accounts, appreciated property, or business interests.
Ambiguous Language
Legal drafting requires precision. Phrases that seem clear to you may create confusion—or outright disputes—when your family tries to interpret your wishes. Who gets the “household furniture”? Does that include the antique grandfather clock worth $15,000?
When Professional Guidance Matters
Consider consulting an estate planning attorney if any of these apply:
- You own real estate in multiple states
- You have a blended family with children from prior relationships
- Your estate exceeds $1 million in total value
- You own a business or professional practice
- You have specific wishes about medical care or end-of-life decisions
- You want to protect assets for minor children or grandchildren
The Real Cost of “Cheap” Planning
The savings from a DIY will can quickly evaporate when problems arise. Contested wills, unclear beneficiary designations, and missing documents frequently lead to:
- Extended probate proceedings (months or years instead of weeks)
- Attorney fees to resolve disputes (often far exceeding proper planning costs)
- Family conflict that may never fully heal
- Assets distributed contrary to your actual wishes
A Better Approach
Estate planning doesn’t have to be expensive or complicated. A straightforward will and basic supporting documents—prepared correctly—provide real protection for most Oklahoma families.
The key is working with someone who understands Oklahoma law, asks the right questions about your situation, and creates documents tailored to your specific needs.
If you’re considering creating your first will or updating an existing plan, schedule a consultation to discuss your options with an experienced Oklahoma attorney.