DIY WILLS: ARE THEY REALLY CHEAPER AND EASIER?

Signing-Will-iStock-182672995-710x472

Will kits, do-it-yourself wills, home-made wills. Whatever you call them, they’re often a topic of controversy. Why? Because if they’re not made and executed correctly, a huge amount of time and money may be required to sort things out after you’ve shuffled off this mortal coil.

This issue was illustrated by a recent decision of the Supreme Court of South Australia, which had to work out exactly what a man had intended in a key aspect of his will.

Background

In 2007, the man (the testator) had made a will using a will kit. He then died in 2016. In his will, he appointed his wife and son Stephen as executors of his estate. He also appointed his other son Sean as a “substitute” executor. This is commonly done in the event that the other executor or executors are unable or unwilling to act as executors.

The executor is the person who will be responsible for tracking down and converting all the assets of the estate, paying all the debts and ensuring that the estate  is distributed to the beneficiaries in accordance with the provisions in the deceased’s will and that the estate is finalised. The role of an executor is crucial in finalising a deceased estate.

Because the man was using a pro forma document, he was required to fill in the blanks on the will form. There were some alternative clauses on the form, for example “he/she/they”. The man needed to strike out the alternatives that didn’t apply, but hadn’t done so.

The clause in the will said:

I appoint Kathleen Anne Cox of 10 Sixth St Orroroo Postcode 5431 in the State/Territory of South Australia and I appoint Stephen Richard Cox of Unit 11 No 30 Bronte St East Perth Postcode 6004 in the State Territory of W.A. to be the Executor(s) of my Will and Trustee(s) of my estate, but if he/she/they does not/do not outlive me or is/are unwilling to act or incapable of acting, then I appoint Sean Donnald Cox of 260 Clovelly Lane Murgon Postcode 4605 in the State/Territory of Queensland.

The testator’s wife died before he did.

Once a testator has died, the executor must apply to the Court for a grant of probate so that the estate can be administered (this is how beneficiaries receive their inheritances). Stephen applied for probate, but because the probate registry was uncertain how to interpret the will, the case had to be heard by Supreme Court.

Decision

The Court had to decide who was entitled to apply for the grant of probate. It needed to work out what the testator had intended and so it looked at the rest of the will.

It considered the instructions that accompanied the will form. The instructions didn’t say that the will maker had to strike out the alternative words that didn’t apply. Because the testator hadn’t done this, it was difficult to work out his intentions.

Also, the instructions said that up to four executors could be appointed, but the form only allowed for the appointment of two executors and one substitute executor. This was a confusing difficulty with the will kit.

In another clause of the will, the testator had said that if his wife died, his executors were directed to deal with his estate. The Court concluded that this meant that he had intended that both Stephen and Sean act together in this situation and so both sons were jointly entitled to apply for probate.

What does it mean?

Drafting and executing wills is a complicated process, even if the will seems to be fairly straightforward. The testator in this case could not have imagined that his failure to draw a line through a couple of innocuous words would lead to legal action in the Supreme Court.

He was probably pleased that he’d spent $30 on a will kit rather than $300 on a solicitor to draft his will. But in the end, the cost was far greater. Even though Stephen’s application to the Court wasn’t opposed by Sean or anyone else, he would have still spent thousands of dollars in legal fees just to get the grant of probate. And these costs would have come out of the estate which in the end meant that there was less for the beneficiaries.

It’s a pretty sobering reality that a desire to save a couple of hundred bucks can lead to depleting your estate by many thousands of dollars. And then there’s the delay – all that time spent preparing and waiting for the court action, and then waiting even longer for a judgement to be delivered.

It’s easy to be sceptical about lawyers’ opposition to DIY wills – that we don’t like them because we lose business when people draft their own wills. But the reality is that we see so many problems caused by DIY wills, often leading to heartache, stress and enormous disappointment.

And there are other issues, too.

Complicating factors

For example, the more complex the will provisions, the less likely that a DIY will is going to be satisfactory. They usually don’t take into account issues such as taxation and superannuation. For example, fringe benefits tax and self managed superannuation funds. Nor do they give advice about what forms part of the estate and what doesn’t, for example joint assets, family trusts and anything in a different entity name.

Children

If you have dependent children, there may be issues with DIY wills when it comes to arranging for their care. And for blended families, the issues can be even more complex because working out what is a fair inheritance for each child can be a very delicate balancing act.

All of this leads to a risk that claims may be made against your estate by people who believe that they are entitled to an inheritance (or to more than they have been provided). Usually will kits don’t provide advice about potential claims and how to avoid them.

Gifts

Then there are the more practical issues. If you haven’t properly described a gift, for example jewellery or a piece of land, it may be difficult to work out your intentions.

If this happens, the gift may fail. If the testator hasn’t said what will happen to it, it will become a portion of the estate that is considered to be intestate.

Executing the Will

If the will hasn’t been signed, dated and witnessed using precise language and procedure, it is likely to be invalid. This is because it must be very clear that the testator knew the contents of the document before signing it, and that he or she signed it freely.

And as we have seen in this case, if the executors haven’t been properly appointed, there can be big problems down the track.

Intestacy

Sometimes, the problems can be so significant that they can’t be sorted out. In these circumstances, the Court decides that the testator has died intestate (without a will). Legislation says who can apply to be an administrator of the estate: an administrator is responsible for dealing with the estate in a similar way to an executor, except that there is no will to guide them.

If no one steps up to apply for administration, then the Public Trustee is likely to be appointed as the administrator of the estate. This can mean that the testator’s nearest and dearest may not get a say and may not get a cent. The Public Trustee will also charge a fee for its services, which is paid for by the estate, meaning that there is ultimately less to inherit.

Choice Magazine review

In 2016, Choice Magazine published its review of DIY will kits. It identified some other problems including:

  • Instructions were too basic and likely to cause confusion.
  • Key issues such as taxation were not even mentioned.
  • Not enough space for witnesses to sign as required, possibly meaning that the will would be invalid.
  • Incorrect information about who is allowed to challenge a will.
  • Poor instructions about when to seek legal or other expert advice.

It also identified that many will kits are available Australia wide, yet each State has its own laws for making wills. This may make some aspects of DIY wills inappropriate for South Australians.

There is no doubt that making a DIY will is fraught with difficulty and complication. Even for the simplest of wills, if the instructions are inadequate or they are not followed to the letter, the unintended consequence is that the will is invalid or that a Court needs to sort out the mess.

So saving a few hundred dollars when you make your will may not be worth it if later on if your loved ones are going to have to trudge through expensive and costly litigation to inherit what is rightfully theirs.

The good news is that we’re here to help. If you have concerns about a DIY will, or if you want a lawyer to draft a new will for you, Websters Lawyers has a team of outstanding wills and estates lawyers who have excellent experience in this area. Contact us today for a free first interview.

Cox (Deceased) [2017] SASC 41 (22 March 2017)

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Having such a short time frame I was very impressed with the outcome made by [my solicitor]. Excellent and timely manner

Sebastian

Kurralta Park

Very professional mannerism and overall great outcome was delivered by Websters Lawyers.

Nicholas

West Ryde NSW

Helpful, explained fully, patient, excellent service.

Kerry

Ridgehaven

Patient and helpful in explaining the process.

Brian

Ridgehaven

Call Websters Lawyers for a most professional and friendly service. All understanding with [my solicitors] and the reception staff. Thank you so much.

Christine

Magill

Making my will was effortless on my part, with everything explained clearly. Well done to all.

Christina

Highbury

Great service, professional, explains things clearly, definitely recommend Websters Lawyers.

Garth

Upper Hermitage

Patient, professional, good communication about procedures and probable outcomes.

Jeffrey

Brompton

Thank you for all your work over the course of the case. You [both] were always very approachable and I appreciated your understanding and professionalism in all areas.

Alexis

Christie Downs

All in all my experience was great. Thank you for your time and expertise.

Christina

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Ridgehaven

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Ridgehaven

I stumbled across Websters in the Yellow Pages and I rang, explained my situation and immediately they took my case on. Greatly appreciate their services.

Diane 

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The service from Websters Lawyers was outstanding. [My solicitor] was caring, had patience and was very professional. Wonderful personality.

Julie

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[My solicitor] made everything so simple to understand. [The receptionist] was wicked too, would recommend them anytime. Level of entire service was outstanding.

Craig

Golden Grove

 

I had dealings with Websters over 20 years ago. They were my first choice when I recently needed legal advice. Both legal and office staff were professional, courteous and accessible at all times. Everything was explained up front in a clear and concise manner. I would not hesitate to recommend their services.

Rod

Dernancourt

It has truly been a pleasure communicating with you throughout the process. I really appreciate your patient and speedy replies to my questions and requests. You were always able to provide an easily understood response and this helped me deal with the process. Your friendly and positive manner encouraged me to seek your advice.

Kathleen

Battery Hill QLD

[My lawyer's] service was prompt and efficient with all questions explained clearly with all our requests carried out within the laws. Overall service was very satisfactory.

John

Wynn Vale

[My lawyer] was excellent. 

Gordon

Glengowrie

Excellent service. Professional. Clear advice and instructions. Prompt actions. Overall 10/10!

Phillip

Ingle Farm

Overall, I was happy with my outcome and my lawyer, would definitely recommend [my lawyer].

Janet

Adelaide

[My solicitor] was excellent at helping us through preparing our wills which were particularly challenging as they involved assets in multiple countries. She was professional and knowledgeable and spent time tailoring the wills to our needs.

Jonathan

Greenwith

[My solicitor] was very helpful, respectful and polite. She made sure I understood the process and documentation of our wills.

Rachel

Greenwith

Professional. Smooth Transaction. 

Luke

Largs North

I found the whole experience from Receptionist to Solicitor excellent. They completely put us at our ease.

Ethel

Smithfield

This was a new experience for us and didn’t have a clue what to do. [Our solicitor] on our first visit put us at ease, explained what will happen, pointed out there was a strong case. [Our solicitor] was genuine in her approach, kept us well informed, explained actions several times with patience and understanding. Overall very happy with the service we received.

Stephen

Elizabeth Vale

[My lawyer] was very reassuring in her approach to my case. I felt that every possibility in terms of evidence to provide and possible outcomes were explained to me, The result of the case was the best possible outcome I could have expected.

David, Belair

 

With no previous dealing with the criminal justice system, [our solicitor] gave us excellent advice and guided us through a nightmare to achieve a just and correct outcome. [Our lawyer] was both forthright and compassionate in her handling of our case.

Malcolm, Belair

[My lawyer] explained all the legal terms in language I could understand – she was very easy to talk to.

Cameron, Munno Para

I felt confident knowing my matter was in good hands. Very professional!

Shravan, Christie Downs

Initial phone call was fantastic and the role of an executor was fully explained.

Penny, Henley Beach

The service I received was efficient and promptly finalised. The solicitor clearly explained the details and I was happy with how easy it was.

Dale, Fairview Park

[My lawyer] was exactly the lawyer I needed in a serious matter. The outcome was as predicted which was a fantastic result. I received prompt professional and personal service at all times. Capable and supportive in a very stressful period.

Jason, Munno Para West

I had any of my concerns answered to my satisfaction and understanding.

Valda, Ingle Farm

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Rena, Northgate

Our work was dealt with very efficiently and speedily. Our lawyer was very professional, at the same time as being approachable. Communication was great.

Christina, Highbury

My experience with Websters Lawyers was far beyond what I expected. From the moment I spoke to [my lawyer] she made me feel very comfortable and eased my stress. In my case I had a court appearance the day before we were scheduled to fly to Spain, Considering my first appointment with her was only 2 weeks before the court hearing, she was able to obtain the police statement and thoroughly work on my case within that limited time frame. She was very knowledgeable, understanding and confident which greatly relieved so much pressure from me and my family. At court, she explained everything thoroughly and advised me of all the possible outcomes. Price, service and result, very highly recommended. Thank you Websters Lawyers.

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Testimonials

Having such a short time frame I was very impressed with the outcome made by [my solicitor]. Excellent and timely manner

Sebastian

Kurralta Park

Very professional mannerism and overall great outcome was delivered by Websters Lawyers.

Nicholas

West Ryde NSW

Helpful, explained fully, patient, excellent service.

Kerry

Ridgehaven

Patient and helpful in explaining the process.

Brian

Ridgehaven

Call Websters Lawyers for a most professional and friendly service. All understanding with [my solicitors] and the reception staff. Thank you so much.

Christine

Magill

Making my will was effortless on my part, with everything explained clearly. Well done to all.

Christina

Highbury

Great service, professional, explains things clearly, definitely recommend Websters Lawyers.

Garth

Upper Hermitage

Patient, professional, good communication about procedures and probable outcomes.

Jeffrey

Brompton

Thank you for all your work over the course of the case. You [both] were always very approachable and I appreciated your understanding and professionalism in all areas.

Alexis

Christie Downs

All in all my experience was great. Thank you for your time and expertise.

Christina

Seacombe Gardens

My matter was dealt with efficiently and was explained in an understandable language. A pleasant experience.

Mary

Ridgehaven

Practical and very helpful. Reasons and explanations given where needed

John

Ridgehaven

I stumbled across Websters in the Yellow Pages and I rang, explained my situation and immediately they took my case on. Greatly appreciate their services.

Diane 

Ridgehaven

The service from Websters Lawyers was outstanding. [My solicitor] was caring, had patience and was very professional. Wonderful personality.

Julie

Yorketown

[My solicitor] made everything so simple to understand. [The receptionist] was wicked too, would recommend them anytime. Level of entire service was outstanding.

Craig

Golden Grove

 

I had dealings with Websters over 20 years ago. They were my first choice when I recently needed legal advice. Both legal and office staff were professional, courteous and accessible at all times. Everything was explained up front in a clear and concise manner. I would not hesitate to recommend their services.

Rod

Dernancourt

It has truly been a pleasure communicating with you throughout the process. I really appreciate your patient and speedy replies to my questions and requests. You were always able to provide an easily understood response and this helped me deal with the process. Your friendly and positive manner encouraged me to seek your advice.

Kathleen

Battery Hill QLD

[My lawyer's] service was prompt and efficient with all questions explained clearly with all our requests carried out within the laws. Overall service was very satisfactory.

John

Wynn Vale

[My lawyer] was excellent. 

Gordon

Glengowrie

Excellent service. Professional. Clear advice and instructions. Prompt actions. Overall 10/10!

Phillip

Ingle Farm

Overall, I was happy with my outcome and my lawyer, would definitely recommend [my lawyer].

Janet

Adelaide

[My solicitor] was excellent at helping us through preparing our wills which were particularly challenging as they involved assets in multiple countries. She was professional and knowledgeable and spent time tailoring the wills to our needs.

Jonathan

Greenwith

[My solicitor] was very helpful, respectful and polite. She made sure I understood the process and documentation of our wills.

Rachel

Greenwith

Professional. Smooth Transaction. 

Luke

Largs North

I found the whole experience from Receptionist to Solicitor excellent. They completely put us at our ease.

Ethel

Smithfield

This was a new experience for us and didn’t have a clue what to do. [Our solicitor] on our first visit put us at ease, explained what will happen, pointed out there was a strong case. [Our solicitor] was genuine in her approach, kept us well informed, explained actions several times with patience and understanding. Overall very happy with the service we received.

Stephen

Elizabeth Vale

[My lawyer] was very reassuring in her approach to my case. I felt that every possibility in terms of evidence to provide and possible outcomes were explained to me, The result of the case was the best possible outcome I could have expected.

David, Belair

 

With no previous dealing with the criminal justice system, [our solicitor] gave us excellent advice and guided us through a nightmare to achieve a just and correct outcome. [Our lawyer] was both forthright and compassionate in her handling of our case.

Malcolm, Belair

[My lawyer] explained all the legal terms in language I could understand – she was very easy to talk to.

Cameron, Munno Para

I felt confident knowing my matter was in good hands. Very professional!

Shravan, Christie Downs

Initial phone call was fantastic and the role of an executor was fully explained.

Penny, Henley Beach

The service I received was efficient and promptly finalised. The solicitor clearly explained the details and I was happy with how easy it was.

Dale, Fairview Park

[My lawyer] was exactly the lawyer I needed in a serious matter. The outcome was as predicted which was a fantastic result. I received prompt professional and personal service at all times. Capable and supportive in a very stressful period.

Jason, Munno Para West

I had any of my concerns answered to my satisfaction and understanding.

Valda, Ingle Farm

[My lawyer] is an excellent professional lawyer who assisted in achieving a great positive outcome/result. I sincerely thank you and your great staff for your assistance and guidance throughout my claim. Would highly recommend [my lawyer], staff and Websters Lawyers. Kept fully informed and guided, professionally throughout the matter.

Rena, Northgate

Our work was dealt with very efficiently and speedily. Our lawyer was very professional, at the same time as being approachable. Communication was great.

Christina, Highbury

My experience with Websters Lawyers was far beyond what I expected. From the moment I spoke to [my lawyer] she made me feel very comfortable and eased my stress. In my case I had a court appearance the day before we were scheduled to fly to Spain, Considering my first appointment with her was only 2 weeks before the court hearing, she was able to obtain the police statement and thoroughly work on my case within that limited time frame. She was very knowledgeable, understanding and confident which greatly relieved so much pressure from me and my family. At court, she explained everything thoroughly and advised me of all the possible outcomes. Price, service and result, very highly recommended. Thank you Websters Lawyers.

Rafael, Davoren Park

Contact Us

Adelaide Office :
T: ( 08 ) 8231 1363
F: ( 08 ) 8231 5529

Ridgehaven Office :
T: ( 08 ) 8395 8000
F: ( 08 ) 8395 8222

Smithfield Office :
T: ( 08 ) 8487 0150
F: ( 08 ) 8395 8222

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