Estates can be more complicated than they look

John Coupar, a partner at estate planning firm Horne Coupar LLP in Victoria, B.C., says a good percentage of his company’s work focuses on fixing problems in wills — especially when they’re drafted without the help of a lawyer.

“This happens all the time,” says Coupar. “There’s a will and it usually has deficiencies that we have to work with.”

Whether a will is outdated, may upset your children (or worse, their spouses) or the signature is simply placed at the beginning of the document rather than the end (which can invalidate the document), these deficiencies aren’t always apparent to people without the right legal knowledge.

Things can spiral out of control if your will isn’t as clear cut as you assumed, Coupar says.

Jamie Nay is very familiar with this issue. Nay, a lawyer and partner with Peak Law Group in Pitt Meadows, B.C., represented a widow in a 2022 case.

The husband used a kit to prepare his will and wanted to leave half of his home to his children. However, the laws in British Columbia dictate that the house should go to the surviving spouse. As a result, the adult children and their stepmother headed to court.

If the couple had consulted with a lawyer while preparing their wills, they would have been advised that the husband's wishes would likely create this exact problem, Nay adds.

In cases like this, Nay says that untangling a deceased person’s intentions is likely to be more expensive and time-consuming for the family than if there hadn’t been a will in the first place.

Unexpected vet bills don’t have to break the bank

Life with pets is unpredictable, but there are ways to prepare for the unexpected.

Fetch Insurance offers coverage for treatment of accidents, illnesses, prescriptions drugs, emergency care and more.

Plus, their optional wellness plan covers things like routine vet trips, grooming and training costs, if you want to give your pet the all-star treatment while you protect your bank account.

Get A Quote

Will kits not the easy win many think they are

Nay singles out the use of will kits, whether online or print booklets, as a major factor in many invalid or problematic wills.

Part of the issue is that case law — which also varies by province — changes frequently, generally faster than publishers update their templates.

“Every jurisdiction, every province, every state has its own laws and some of them are wildly different,” says Nay.

He offers an example: If a parent wants to write their adult child out of their will, many templates will allow them to leave them $1 and that’s that. However, British Columbia’s law allows unhappy children to sue an estate if they don’t feel they’ve been treated fairly — and so that strategy isn’t applicable for residents of B.C. If a will is challenged, judges are allowed to alter the will with a split that they view as "adequate, just and equitable."

Rules are rules

Even if someone does not use a kit, their lack of knowledge of provincial law could lead to complications.

This happened in 2022 with the B.C. case of Pascuzzi v Pascuzzi, where Michael Thomas Pascuzzi left his entire estate to his wife, and attempted to cut out his daughter. Since B.C. law allows children to contest a will if they were left out, Alexandra Pascuzzi successfully sued for 30% of the proceeds of the $1.8 million estate.

“I'm sure a lot of lawyers [will] tell you, most of their estate litigation comes out of poorly drafted homemade wills,” says Nay.

He’s aware that a lawyer advocating people use his services over less expensive options may sound like a vendor hawking their wares. But, he argues, what you’re paying for is the services of someone who has the legal training and knowledge needed to avoid problems.

Don't Miss

  • You might not have a house, kids or even a lot of money, so do you need a will? In this Half-Banked episode, we find out why it is never too early to start thinking about your end. Tune in to the new Half Banked podcast and join our hosts weekly as they ask the big money questions that matter to young Canadians. Episode 2 is now available on all major podcast platforms including Spotify and Apple Podcasts

Legal advice is a worthwhile investment

While you may think your intentions seem clear in your will, when it comes time to carry them out, you won’t be around to provide guidance or answers.

“It's very easy to misinterpret somebody's wishes based on your own experiences and your own thinking,” says Nay.

Both Nay and Coupar argue when you’ve got all your material possessions on the line, you’re risking a lot in being misinterpreted.

“What I often say to my clients or audiences is, ‘The question is not can you prepare your own will? The answer is yes. The question is, should you? And while there are exceptions to every rule, the answer to the second question is no,’” says Coupar.

Once you have a will in place, Coupar suggests you revisit it every three to five years. Not only can your circumstances change in that time, but you’re also just likely to forget what you wrote. It’s not a good idea to cut corners on one of the most important documents you’ll ever prepare.

“I always say to my clients, you spent your whole life accumulating wealth,” says Coupar. “Do you really want to see it blow in the wind?”

Read more


Trade Smarter, Today

With CIBC Investor's Edge, kick-start your portfolio with 100 free trades and up to $4,500 cash back.

About the Author

Sigrid Forberg

Sigrid Forberg

Associate Editor

Sigrid’s is's associate editor, and she has also worked as a reporter and staff writer on the team.

What to Read Next


The content provided on is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.