If you’ve ever thought, “I’ll just add Mom to the deed,” or “Let’s put my daughter on the house so we can avoid probate,” you’re not alone. These quick-fix solutions are common, and they’re often made with the very best intentions. But what most families don’t realize is that DIY planning can cause more harm than good, especially when it comes to real estate and aging parents.

No one likes to think about aging, long-term care, or what happens if we become unable to make our own decisions. Its uncomfortable, and frankly, its easier to put off. But here’s the hard truth: waiting too long to plan can cost you everything: your savings, your home, and your family’s peace of mind.