For years, my wife Nicole and I kept putting off creating a living trust.

That became harder and harder to justify.

I regularly encourage families to build wealth, invest consistently, and protect what they've worked so hard to earn. Yet despite having wills in place for more than a decade, our estate plan hadn't kept pace with our financial lives.

As our family's net worth approached $2 million, we owned a paid-off home, investment accounts, and two businesses. I realized that if something happened to both of us, all that wealth could create more work than peace of mind for our kids if it wasn't properly organized.

The point of building wealth isn't just to accumulate assets. It's to make life better for your family, even if you're no longer here.

So Nicole and I finally stopped procrastinating and created our estate plan with Trust & Will.

The online process was easier than I expected. Completing the entire estate plan took more time than I anticipated.

Was it worth it?

Absolutely.

In this Trust & Will review, I'll share exactly what our experience was like, what surprised me, what I loved, what I'd improve, and who I think should consider using Trust & Will.

Trust & Will Review Summary

⭐⭐⭐⭐☆ 4.5/5

Bottom Line

Trust & Will is an excellent estate planning solution for families who want more guidance than DIY legal forms without paying several thousand dollars for an estate planning attorney.

After completing the process with my wife, Nicole, I found it to be an outstanding value. The online experience was easy to follow, the customer support was excellent, and the finished documents gave us confidence that our family's estate plan is finally in place.

Best For

Married couples, parents, homeowners, and families with straightforward estate planning needs.

Starting Price

$599 for a couple's trust.

My Total Cost

Approximately $900 to $1,000, including deed transfer assistance, notarization, and other completion costs.

Time Required

About 20 minutes to complete the online questionnaire.

Plan on additional time over the following days or weeks to review documents, sign paperwork, meet with a notary, find witnesses, and fund your trust.

Estate Planning Experience

This was the first time my wife and I created a revocable living trust after having a will for more than a decade.

My Recommendation

✅ Yes. I recommend Trust & Will for most families looking for an affordable, guided estate planning solution.

What I Liked

• Simple, guided online estate planning process
• Attorney-created legal documents customized for my state
• Excellent customer support throughout the process
• Printed estate planning binder mailed directly to my home
• Outstanding value compared with hiring an estate planning attorney

What Could Be Better

• Completing an estate plan takes considerably longer than completing the online questionnaire.
• Funding your trust requires additional work after your documents are created.
• Additional costs may apply for deed transfers, notarization, and other completion services.

Disclosure: Trust & Will provided me with a complimentary estate plan to create short-form content. They did not pay me to write this review, and all opinions are based on my family's personal experience.

Why I Finally Stopped Procrastinating on Our Family Trust

For years, creating a family trust sat on my to-do list.

Every January, I'd tell myself this would be the year. Then life happened. Work got busy, the kids had activities, and another financial task always seemed more urgent. Estate planning kept getting pushed to “later.”

The funny thing is, I was recommending it to other people.

Whether it was on the Marriage Kids and Money podcast, in financial coaching sessions, or through my articles, I'd often encourage families with growing wealth to think beyond investing. Once you've accumulated meaningful assets, protecting your family becomes just as important as growing your portfolio.

Meanwhile, I wasn't following my own advice.

As our family's net worth continued to grow, I found myself asking a different question:

“If Nicole and I both passed away tomorrow, would everything we've built actually make life easier for our kids?”

The honest answer was no.

Yes, we'd accumulated wealth. We had a paid-off home, investment accounts, businesses, and other assets. But those same assets could also create unnecessary work and stress if we didn't organize them properly.

Building our net worth felt responsible, but eventually I realized something.

Growing our wealth without leaving clear instructions for the people we'd leave behind wasn't responsible financial planning. In some ways, it actually felt irresponsible.

The point of building wealth isn't just to accumulate assets. It's to make life better for your family, even if you're no longer here.

A trust wasn't about leaving our children more money. It was about leaving them more clarity.

Instead of creating confusion during one of the hardest moments of their lives, I wanted to leave behind organized instructions that reflected the care Nicole and I had put into building our family's financial life.

That realization finally pushed me to stop talking about estate planning and actually complete our own.

Why I Chose Trust & Will

Once we decided to stop procrastinating, the next question was simple:

How were we actually going to get this done?

I had been familiar with Trust & Will for years through my work in personal finance. I'd recommended it to podcast listeners, coaching clients, and readers who wanted a straightforward way to create a will or trust without hiring an estate planning attorney.

When it came time to create my own family's estate plan, I figured it was time to follow my own advice.

Still, I wanted to make sure it was the right choice for our family.

We really had three options.

• We could do everything ourselves.
• We could hire an estate planning attorney.
• Or we could use an online estate planning service like Trust & Will.

Here's how I thought about each option:

Option	Typical Cost	Best For
DIY legal forms	$0-$200	Families with very simple estates who are comfortable researching legal requirements and completing everything on their own.
Trust & Will	$599 for a couple's trust	Families who want guidance, attorney-created documents, and a streamlined process without paying attorney prices.
Estate planning attorney	~$3,000-$5,000+	Families with complex estates, blended families, multi-state property, or advanced tax planning needs.

Nicole and I landed squarely in the middle.

Our estate wasn't simple enough that I wanted to download legal forms and hope I completed everything correctly. But I also didn't think our situation required spending several thousand dollars on a private estate planning attorney.

Trust & Will felt like the sweet spot.

For the price of $599, we received a complete revocable living trust package that included our trust documents, pour-over wills, powers of attorney, healthcare directives, HIPAA authorizations, final arrangement wishes, and the other supporting documents we needed.

By the time we added deed transfer assistance, notary fees, and a few other completion costs, our total investment ended up closer to $900 to $1,000.

Even at that price, I felt it represented excellent value considering the amount of guidance, organization, and peace of mind it provided.

What It Was Like Creating Our Estate Plan With Trust & Will

The actual process was pretty straightforward.

Nicole and I sat down together one evening and completed Trust & Will's online questionnaire. It walked us through the major decisions we'd need to make, including designation of trustees, who would care for our children if something happened to us, and who we'd appoint to make financial and healthcare decisions on our behalf.

The questionnaire itself was intuitive and easy to follow. We never felt overwhelmed, and whenever we weren't sure about something, the explanations inside the platform helped us understand what each decision meant.

One feature I especially appreciated was that we could work through the process together.

Estate planning isn't just filling out paperwork. It's having conversations about your family, your assets, and your wishes. Trust & Will gave us a structured way to have those conversations.

Once we completed the questionnaire, Trust & Will generated our estate planning documents and mailed professionally printed copies directly to our home.

Our estate plan included a revocable living trust, pour-over wills, financial powers of attorney, advance healthcare directives, HIPAA authorizations, final arrangement wishes, and the other supporting documents needed to complete our plan.

Honestly, receiving the printed documents was one of my favorite parts of the experience.

Instead of printing dozens of pages ourselves and wondering whether everything was organized correctly, we received two professionally organized folders: one for our trust documents and another for our wills and supporting paperwork.

It made the entire process feel much more official and manageable.

One thing that also stood out was the customer support.

Over several months, a member of the Trust & Will team, Taylor Johnson, checked in periodically to answer questions and encourage me to finish the remaining steps. There was never any pressure, just helpful reminders that kept our estate plan moving forward.

That combination of an easy online platform and responsive human support made the experience feel much less intimidating than I expected.

What Surprised Me About the Process

The biggest surprise wasn't how easy it was to create the documents.

It was realizing that creating the documents is only the first step.

Trust & Will estimates it takes about 20 minutes to complete the online questionnaire, and I found that to be pretty accurate. Nicole and I were able to answer the questions together in one sitting.

But creating an estate plan involves much more than completing an online questionnaire.

After our documents arrived, we still needed to carefully review them, sign everything, meet with a notary, find witnesses for certain documents, and begin the process of funding our trust by transferring assets into it.

That last step was probably the biggest surprise.

I hadn't fully appreciated that creating a trust and funding a trust are two different things.

Creating the trust establishes the legal framework.

Funding the trust means actually transferring assets, like your home, into the trust so it works as intended.

For us, that meant transferring the deed to our paid-off home into the trust. Trust & Will partners with a company called Bundle to help with that process, which I chose to use because I wanted to make sure everything was handled correctly.

Overall, I spent considerably more time completing my estate plan than I originally expected.

That wasn't because Trust & Will made the process difficult.

It's because estate planning is simply more involved than many people realize.

Looking back, I think setting aside a weekend, or spreading the work over a couple of weeks, is a much more realistic expectation than trying to finish everything in one sitting.

Once I adjusted my expectations, the process felt much more manageable.

What I Liked Most About Trust & Will

After completing our family's estate plan, there were a few things that stood out to me.

The process felt approachable.

Estate planning can be intimidating. You're making decisions about your family's future, your finances, and scenarios that nobody enjoys thinking about.

Trust & Will broke the process into manageable steps that never felt overwhelming. Instead of staring at a stack of legal documents, Nicole and I simply answered one question at a time.

That made it much easier to finally get started.

The customer support was outstanding.

One of the biggest surprises was how much human support was available throughout the process.

Over several months, a member of the Trust & Will team named Taylor Johnson checked in periodically to see if I had questions and to gently remind me about the remaining steps.

There was never any pressure.

Just helpful emails, quick responses when I reached out, and a genuine desire to help me finish something I'd been putting off for years.

That personal support made a much bigger difference than I expected.

The printed documents were worth it.

As much as I appreciate digital tools, there's something reassuring about having professionally organized estate planning documents sitting in your safe.

Trust & Will mailed everything in clearly labeled folders, making it easy to review, sign, and store our documents for the future.

Instead of feeling like I had downloaded a bunch of PDFs, it felt like we had completed a real estate plan.

That may sound like a small detail, but I think it helped reinforce the importance of finally getting this done.

It gave me peace of mind.

More than anything, I walked away feeling relieved.

For years, this had been sitting on my financial to-do list.

Now I know our wishes are documented, our key legal documents are in place, and our family has a much clearer roadmap if the unthinkable were ever to happen.

That's hard to put a price on.

What Could Be Better

Overall, I had a very positive experience with Trust & Will, but there are a few things I think prospective buyers should know before getting started.

Completing your estate plan takes longer than completing the questionnaire.

Trust & Will estimates that creating your estate plan starts with a questionnaire that can be completed in about 20 minutes. I found that to be accurate.

Where I underestimated the process was everything that came afterward.

Reviewing documents, signing paperwork, coordinating witnesses, meeting with a notary, and funding the trust all required additional time.

That's not a flaw with Trust & Will. It's simply the reality of completing a comprehensive estate plan.

My advice is to think of the questionnaire as the starting point, not the finish line.

Funding your trust requires additional work.

Creating a trust is only half the job.

To receive the full benefits of a revocable living trust, you also need to transfer certain assets into it.

For our family, that meant transferring the deed to our paid-off home.

Trust & Will partners with a company called Bundle to help with that process, and I chose to use their service because I wanted the paperwork handled correctly.

It's an extra step that many first-time trust owners, myself included, don't fully appreciate until they're in the middle of the process.

Expect a few additional costs.

The Trust & Will couple's trust package cost us $599.

Our final investment was closer to $900 to $1,000 after adding deed transfer assistance, notary fees, and a few other completion costs.

Even with those additional expenses, I still believe Trust & Will provides excellent value compared to hiring an estate planning attorney.

I just think it's helpful to know the all-in cost before you begin.

Who I Think Trust & Will Is Best For

After completing our family's estate plan, I don't think Trust & Will is the right solution for everyone.

But I do think it's an excellent fit for many families.

I think Trust & Will is a great fit if…

In my opinion, Trust & Will is an excellent option for families who have built meaningful wealth but still have a relatively straightforward financial situation.

That describes many families with roughly $500,000 to $2 million in assets, especially if you:

• Are married with children
• Own your primary home
• Have retirement and brokerage accounts
• Want a revocable living trust without paying attorney prices
• Prefer a guided online experience

That described our family almost perfectly.

We had accumulated nearly $2 million in assets, including a paid-off home, investment accounts, and two businesses. While our financial life had become more complex over the years, I still felt comfortable using Trust & Will because our estate planning needs were relatively straightforward.

For us, it was the sweet spot between doing everything ourselves and hiring an estate planning attorney.

I would consider hiring an estate planning attorney if…

As your wealth grows, your financial life often becomes more complicated.

If you've accumulated more than $2 million in assets and your estate is becoming increasingly complex, I think it's worth taking a serious look at working directly with an experienced estate planning attorney.

That complexity might include:

• Blended families
• Multiple businesses or complicated ownership structures
• Real estate in multiple states
• Significant tax planning needs
• Unique family circumstances or inheritance goals

In those situations, paying several thousand dollars for personalized legal advice may be money well spent. An experienced attorney can answer complex questions, coordinate the entire process, and tailor your estate plan to your family's specific needs.

That said, I don't believe there's a hard net worth cutoff where Trust & Will suddenly stops making sense.

If your financial life is straightforward, I think many families with more than $2 million or even $3 million in assets could still find tremendous value in Trust & Will.

For me, the bigger consideration isn't your net worth.

It's the complexity of your estate.

Looking ahead, I can even see myself hiring an estate planning attorney 10 or 15 years from now if our family's financial situation becomes significantly more complicated. But for where we are today, I believe Trust & Will was the right choice.

My Final Thoughts

For years, creating a living trust was one of those financial tasks I kept telling myself I'd get around to “someday.”

Someday turned into years.

Looking back, I wish Nicole and I had done it sooner.

Not because something happened to our family. Thankfully, nothing did.

But because of the peace of mind we gained after finally checking this important item off our financial to-do list.

Building wealth is only part of good financial planning.

Protecting the people you love is just as important.

Trust & Will helped our family create a comprehensive estate plan without the cost of hiring an estate planning attorney. The process took more time than I originally expected, but the guidance, organization, and support made it feel approachable from start to finish.

If your family has been putting off estate planning like we were, I hope my experience encourages you to take that first step. Whether you choose Trust & Will or work directly with an estate planning attorney, having a plan in place is far better than continuing to put it off.

Your family doesn't need a perfect estate plan. They just need one.

Disclosure: Trust & Will provided me with a complimentary estate plan to create short-form content. They did not pay me to write this review, and all opinions expressed are based on my family's personal experience.