Common Estate Planning Objections
Estate planning is one of those tasks that most people know they should do-but often put off. Whether it’s discomfort around discussing mortality, uncertainty about where to start, or the belief that “I don’t have enough to worry about,” many individuals delay putting proper legal documents in place. Unfortunately, that delay can come at a high cost-for you and your loved ones.
In this post, we break down 10 of the most common objections people raise when thinking about estate planning, and offer practical, legal guidance to help you move past them. From creating a simple will to establishing a power of attorney and healthcare directive, the goal is the same: protect your voice, your assets, and the people you care about.
Let’s walk through the top concerns and why now is always the right time to get your documents in order.
“I don’t have enough assets to need an estate plan.”
Legal perspective: Estate planning isn’t just for the wealthy-it’s for everyone. A Last Will and Testament ensures that what you do have goes to the right people, and Healthcare Directives and Powers of Attorney protect you and your loved ones if you’re ever unable to make decisions yourself. Estate planning is ultimately about control and protection, not wealth.
“I don’t know where to start-it feels overwhelming.”
Legal perspective: Estate planning can feel complex, but with the right legal support, it becomes manageable. Start with the foundational documents:
- Healthcare Directive
- Power of Attorney
- Last Will and Testament
An experienced attorney can guide you step by step, making the process easier and ensuring your documents reflect your wishes.
“It’s uncomfortable to think about death or incapacity.”
Legal perspective: Avoiding the conversation doesn’t prevent life from happening-it just increases the burden on your loved ones if something goes wrong. Estate planning gives you peace of mind and is one of the most compassionate things you can do for your family, saving them from uncertainty and costly legal hurdles.
“I’m young and healthy-I can do this later.”
Legal perspective: Accidents and unexpected medical events can happen at any age. Having a Healthcare Directive and Power of Attorney ensures that someone you trust can speak for you if you can’t. Putting a plan in place now means you stay in control, no matter what life brings.
“It’s too expensive to hire a lawyer.”
Legal perspective: Estate planning is often much more affordable than people think, especially compared to the potential cost of probate court or family disputes without proper documents. Investing in these documents now can save your family thousands of dollars-and emotional stress-later.
“I’m not sure who to name as my decision-makers.”
Legal perspective: You don’t need to have the perfect answer right away. Attorneys can help you think through your options and even set up contingencies if your first choice isn’t available. The most important step is to get your initial plan in place-you can always update it as life changes.
“My family knows what I want-I don’t need formal documents.”
Legal perspective: Verbal instructions or assumptions aren’t legally binding. Without written documents, your family may face court delays, disputes, and unwanted outcomes. A Last Will, Healthcare Directive, and Power of Attorney make your wishes clear and enforceable.
“I’ve done my will, so I’m all set.”
Legal perspective: A will is just one piece. You also need a Power of Attorney for financial decisions and a Healthcare Directive for medical choices if you become incapacitated. These documents work together to provide full protection-estate planning isn’t complete without them.
“I don’t want to burden anyone with responsibilities.”
Legal Perspective: Choosing trusted people to act on your behalf is not a burden-it’s a gift of clarity. Without clear direction, your loved ones may face far greater burdens, including court-appointed strangers making decisions for you.
“I can just use online templates to save time and money.”
Legal perspective: DIY estate planning may seem simple, but small errors can make your documents invaid or unenforceable. Laws vary by state, and what seems like a quick solution can lead to expensive legal battles or unintended outcomes. Working with an attorney ensures your documents are legally sound and tailored to your situation.