Do-It-Yourself Estate Planning Mistake Disinherits Child

My daughter recently brought a book home from school titled “Separate Ways.” It’s a story about a husband and wife who are having marital difficulties, and their two children who are dealing with anxiety caused by the conflict.

In the book, the parents eventually decide to divorce but reassure their children that the divorce will not affect their love for the children or their devotion to raising them.

Divorce ends a marriage, but not the relationship between a parent and a child. Most divorced parents intend to be an active part of their children’s lives, supporting them both emotionally and financially if they are able.

And despite remarrying and having additional children, most parents still want children from a previous relationship to be beneficiaries of their estates. That’s why the story of a girl I’ll call “Rose” is so heartbreaking.

Her father “Jack” divorced her mother, remarried and had two more children with his new wife. But Jack continued to have a good relationship with Rose, and was involved in her life.

Before traveling on a last minute business trip, he hastily made a holographic will giving all his worldly possessions to his wife. Jack died. His holographic will was declared valid, and his wife was named as the sole beneficiary of his estate.

Perhaps Jack believed that his wife would help Rose financially. But as the sole beneficiary of his estate, his wife has complete control over Jack’s assets. She has the power to decide how the assets will be used and who will benefit from them. She has chosen not to share any of Jack’s estate with Rose.

If Jack had consulted an attorney, he could have made a will that set aside a portion of his assets in trust for Rose’s benefit. Rose heads off to college this year. The trust assets could have been used to help Rose pay for her college education. But by taking his estate planning into his own hands, he disinherited his young daughter instead.

It probably wasn’t what Jack intended to do, but Rose is living with the consequences of that mistake.


  1. This is why estate planning is so important. We are set up that if either of us goes, insurance and some assets land in a trust to protect our daughter should the surviving spouse remarry.

    When counseling my mother-in-law on how to set up her trust (with the trust attorney) I told her that I should not be mentioned at all, she dies, the trust is for her two daughters, my wife passes after, our daughter gets it. Trust attorney asked “who gets it if God-forbid your wife and daughter go in an accident?” I told MIL to pick a charity. If my family is gone, last thing I want is that money. People don’t want to think about these things, but as you’ve seen, some awful things can happen.


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  3. […] be possible?  Rania Combs, a Texas Wills and Trusts lawyer, has a great blog post entitled “Do-It-Yourself Estate Planning Mistake Disinherits Child.“  Take the time to read the article – it is a quick read and very well done.  The […]

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