Once your ecommerce business starts generating real income, protecting it, and your family, becomes just as important as growing it. Trust & Will is the estate planning platform I get asked about most, so I dug into the pricing, the actual documents you get, and what real customers say before recommending it. I run E-Commerce Paradise, where I help sellers with every part of business formation for high-ticket dropshipping, and estate planning is the piece founders put off the longest, usually to their family’s detriment.
Protect Your Business and Family in Under 30 Minutes
Trust & Will has served over 1 million customers with attorney-reviewed will and trust documents built for a guided online process.
What Is Trust & Will
Trust & Will is an online estate planning platform founded in 2017 by Cody Barbo, Daniel Goldstein, and Brian Lamb, headquartered in San Diego. It’s built as a Public Benefit Corporation, and it’s raised over $82.5 million in funding, including a $25 million Series C round in March 2025 backed by Northwestern Mutual Future Ventures and UBS. The company has served over a million customers and now powers estate planning tools for more than 20,000 financial advisors and 200-plus institutional partners, including USAA and LPL Financial.
Unlike a law firm, Trust & Will is a self-guided document platform. You answer a series of plain-language questions, and the system generates state-specific legal documents based on your answers. Attorney support is available as an add-on if you want a licensed estate planning attorney to review your specific situation, but it isn’t required to complete a plan.
Pricing and Plans
| Plan | Individual | Couple | What’s Included |
|---|---|---|---|
| Young Adult Plan (ages 18-26) | $69 | N/A | Simplified will, power of attorney, advance healthcare directive |
| Will Plan | $199 | $299 | Last will and testament, HIPAA authorization, living will, power of attorney |
| Trust Plan | $499 | $599 | Revocable living trust, schedule of assets, certification of trust, pour-over will, HIPAA authorization, living will, power of attorney, trust funding guide |
| Custom Plan | Quote-based | N/A | Special needs beneficiaries, high net worth, blended families, business owners |
After your first year, keeping your documents editable requires an annual membership: $49 a year for Essentials (digital vault, AI assistant, one free document shipment), or $299 a year for Pro, which adds attorney support and an Estate Tax Report. Worth knowing upfront: a completed, signed, and notarized document stays legally valid even if you let the membership lapse. The renewal fee only affects your ability to keep editing the documents, not their legal standing.
Core Features
The Will Plan covers the four documents most people actually need: a last will and testament, a HIPAA authorization so your designated person can access your medical records, a living will spelling out your end-of-life care preferences, and a durable power of attorney for financial decisions if you’re incapacitated. Guardian nominations for minor children (and pets) are built into both the Will and Trust plans rather than sold separately.
The Trust Plan builds a revocable living trust on top of everything in the Will Plan, which is the mechanism most people use to keep their estate out of probate court. It includes a certification of trust, a schedule of assets so you know exactly what’s been transferred into the trust, a pour-over will to catch anything you forgot to retitle, and a trust funding guide walking you through actually moving assets, real estate, bank accounts, business interests, into the trust’s name.
Keep Your Business Out of Probate Court
Trust & Will’s Trust Plan includes a dedicated business owner track so your LLC ownership transfers smoothly, not through a months-long court process.
What Real Users Say
Trust & Will holds a Trustpilot rating between 4.5 and 4.8 out of 5 across roughly 6,000 reviews, with the company reporting that about 97% of reviews land in the 4 to 5 star range. It also carries an A+ rating from the Better Business Bureau and is BBB-accredited.
The complaint patterns that do show up are mostly about the account and website experience rather than the legal documents themselves: some users report friction entering assets into the trust builder, occasional issues downloading purchased probate forms, or locked payment information on file. Trust & Will responds to nearly all negative reviews within about 24 hours and has issued refunds in documented complaint cases, which is a meaningfully better track record than most companies in this category.
How It Compares to the Rest of the Market
Trust & Will and LegalZoom are the two most frequently compared names in online estate planning, and they show up as the top two picks across nearly every major review roundup, including Forbes Advisor’s, which ranked Trust & Will its #1 overall wills and trusts service for 2026. Nolo’s Quicken WillMaker & Trust undercuts both on price with a roughly $109 annual subscription but skips attorney review entirely.
Rocket Lawyer differentiates on live attorney chat built directly into its document workflow, useful if you want legal questions answered in real time rather than through a separate paid add-on. Fabric by Gerber Life offers a genuinely free will-maker but skips power of attorney and healthcare directive documents, which Trust & Will includes in every paid plan.
Estate Planning for Business Owners Specifically
This is where Trust & Will earns its spot in an ecommerce-focused recommendation list. The Custom Plan is specifically built to handle business owner situations, working through how your LLC membership interest transfers if something happens to you, who has authority to keep the business running during any transition period, and how your business assets get treated separately from your personal estate.
If you’ve already formed your LLC through a service like Swyft Filings or Northwest Registered Agent, your estate plan is the next logical step, since your operating agreement alone usually doesn’t specify what happens to your ownership stake if you die or become incapacitated. Without a trust or will addressing this explicitly, your business interest gets tied up in probate court along with everything else you own, which can freeze supplier relationships and ad accounts for months.
The Guided Process Walkthrough
Signing up starts with a plain-language questionnaire covering your family situation, assets, and who you want making decisions on your behalf. The system builds your documents in real time as you answer, and most users report completing the Will Plan in well under 30 minutes. The Trust Plan takes longer specifically because of the asset-schedule step, where you’re listing out real estate, bank accounts, and business interests one at a time.
Once your documents are generated, you print, sign, and get them notarized (and witnessed, depending on your state’s requirements) to make them legally valid. Trust & Will doesn’t handle the notarization itself in most states, so budget an extra step for that, either through a local notary, your bank, or an online notarization service where your state allows it.
Digital Vault and Ongoing Access
Beyond document creation, Trust & Will includes a digital vault for storing copies of your documents, insurance policies, and other important paperwork your family or executor might need to locate quickly. This is bundled into the Essentials membership rather than sold as a separate product, which is a genuinely useful feature most competitors don’t match at this price point.
Who It’s a Good Fit For
Trust & Will makes the most sense for ecommerce sellers who’ve reached meaningful profitability and now have real assets, a business, savings, maybe property, worth protecting with more than a generic template. The guided process handles most straightforward situations well, and the Custom Plan exists specifically for the messier cases: blended families, special needs beneficiaries, or business ownership structures that need more careful handling.
If your estate situation is genuinely simple, you’re young, unmarried, and don’t yet own significant assets, a free option like Fabric might cover your immediate needs. Once you own an LLC generating real revenue, the completeness of Trust & Will’s documents, particularly the trust funding guide and business-owner provisions, justifies the higher price over a bare-bones free alternative.
Sellers who’ve formed multiple entities, maybe a holding company plus one or more operating LLCs, tend to get the most value out of the Custom Plan specifically, since a generic template rarely accounts for cross-entity ownership structures cleanly. If that describes your situation, it’s worth requesting a quote before assuming the standard Trust Plan covers everything you need.
Why This Matters More Once You’re an LLC Owner
Before you formed your LLC, your estate planning stakes were relatively low, mostly personal property and maybe some savings. Once your business is generating real revenue and you’ve built out supplier relationships that took months to establish, your estate suddenly includes a functioning business with contracts, vendor accounts, and ongoing obligations that don’t pause just because you’re unavailable.
Without a plan addressing this specifically, your business assets get frozen in probate alongside everything else you own, and probate timelines commonly run six months to two years depending on the state and complexity. Ad accounts get suspended for inactivity, supplier payment terms lapse, and whoever’s supposed to keep things running has no legal authority to do so until the court process resolves. A dedicated estate plan closes that gap.
What the Data Says About Estate Planning Gaps
According to the Consumer Financial Protection Bureau’s consumer financial education resources, a majority of American adults still don’t have a basic will in place, let alone a trust structured around business ownership. That gap is exactly why services like Trust & Will have grown as quickly as they have, the barrier used to be cost and complexity, and a guided online platform removes most of both.
For business owners specifically, the IRS’s overview of estate and gift tax rules is worth understanding even if your estate is well under the federal exemption threshold, since state-level estate and inheritance taxes vary widely and can apply at much lower thresholds than the federal rules do.
How Trust Funding Actually Works for an LLC
Creating a trust document is only step one. The trust doesn’t actually protect anything until you complete trust funding, the process of formally retitling your assets, including your LLC membership interest, into the trust’s name. This is the step people skip, and it’s the step that determines whether your trust actually avoids probate or just sits there unused.
For an LLC specifically, funding the trust usually means amending your operating agreement to reflect the trust as the member (or assigning your membership interest to the trust), which is exactly the kind of detail Trust & Will’s trust funding guide walks through. If you formed your LLC through a registered agent service, you may need to coordinate this step with them or with your own attorney to make sure the assignment is done correctly under your state’s LLC statute.
Why Trust & Will Ranks Where It Does
Forbes Advisor’s ranking of online will makers named Trust & Will its top overall pick for 2026, citing the breadth of documents included in each plan and the consistency of its guided questionnaire across different family and business situations. That kind of third-party ranking matters here specifically because estate planning software is hard to evaluate yourself until you actually need the documents to hold up, so independent scrutiny carries real weight.
The ranking also reflects something worth noting directly: Trust & Will isn’t the cheapest option in this category, Nolo and Gentreo both undercut it on price, but it’s consistently rated ahead of both on completeness and document quality. That tradeoff, paying more for a more thorough plan, is usually the right call once you have a business and real assets to protect rather than just a simple, low-value estate.
For Non-US Residents and Digital Nomads
Trust & Will’s documents are built around US state law, so if you’re a US citizen or resident running your ecommerce business from abroad, you can still use the platform based on your state of legal residence or domicile. If you’ve fully relocated and given up US residency, you’ll want to work with an attorney familiar with both US and your current country’s inheritance laws, since a US-only estate plan won’t necessarily cover assets or obligations outside the US.
Frequently Asked Questions
Is a Trust & Will document legally binding?
Yes, once properly signed, witnessed (where required), and notarized according to your state’s requirements, the documents carry the same legal weight as ones drafted by an attorney.
What happens if I stop paying the annual membership?
Your existing signed and notarized documents remain fully valid. The membership fee only covers continued access to edit those documents going forward.
Do I need the Trust Plan or is the Will Plan enough?
A will alone still requires your estate to go through probate court. A trust avoids that process for assets properly transferred into it, which matters more the more valuable your estate becomes.
Does Trust & Will handle notarization?
In most states, no. You’ll need to arrange notarization separately, through a local notary, your bank, or an online notarization service depending on your state’s rules.
Can Trust & Will handle my LLC ownership transfer?
The Custom Plan is specifically designed to address business ownership situations, working through how your LLC interest transfers and who has authority during any transition.
Bottom Line
Trust & Will is one of the two most credible names in online estate planning, and its combination of attorney-reviewed templates, a genuinely useful digital vault, and business-owner-specific provisions in the Custom Plan make it a solid pick once your ecommerce business is generating income worth protecting. The annual membership fee for continued editing access is worth understanding upfront, but it doesn’t affect the legal validity of documents you’ve already completed, so there’s no real risk in getting started even before you’ve nailed down every detail of your business structure.
Don’t treat estate planning as something to handle later. Once you’ve got your high-ticket dropshipping business generating real revenue and you’ve picked a solid niche, protecting what you’ve built takes less time than most sellers assume, and it’s a lot cheaper than the probate mess your family faces without it. Most sellers I talk to put this off for years simply because it feels like a low-priority task next to sourcing and ads, but it’s genuinely one of the fastest, highest-leverage things you can knock out in a single afternoon.
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Trevor Fenner is an ecommerce entrepreneur and the founder of Ecommerce Paradise, a platform focused on helping entrepreneurs build and scale profitable high-ticket ecommerce and dropshipping businesses. With over a decade of hands-on experience, Trevor specializes in high-ticket dropshipping strategy, niche and product selection, supplier recruiting and onboarding, Google & Bing Shopping ads, ecommerce SEO, and systems-driven automation and scaling. Through Ecommerce Paradise, he provides free education via in-depth guides like How to Start High-Ticket Dropshipping, advanced training through the High-Ticket Dropshipping Masterclass, and fully done-for-you turnkey ecommerce services for entrepreneurs who want a faster, more hands-off path to growth. Trevor is known for emphasizing sustainable, real-world ecommerce models over hype-driven tactics, helping store owners build scalable, sellable, and location-independent brands.
