Searching for "LegalZoom irrevocable trust cost"? Here's the key fact: LegalZoom does not offer irrevocable trusts. They only sell revocable living trusts ($399-$649). Irrevocable trusts are too complex for DIY platforms and require attorney drafting. But here's the good news — most California families don't need an irrevocable trust. A revocable living trust handles probate avoidance for a fraction of the cost.
Why LegalZoom Can't Offer Irrevocable Trusts
Irrevocable trusts are fundamentally different from revocable living trusts. Once created, they generally cannot be changed or revoked — which means mistakes can be permanent and costly. Here's why no DIY platform offers them:
- Permanent legal consequences — Assets transferred to an irrevocable trust are no longer yours. Errors can't be easily fixed.
- Complex tax implications — Irrevocable trusts have their own tax ID, file separate returns, and have compressed tax brackets.
- State-specific rules — California has unique rules for irrevocable trusts, especially regarding Medi-Cal, property taxes, and community property.
- Requires legal advice — LegalZoom is not a law firm and cannot provide the legal counsel needed to properly structure these trusts.
Irrevocable Trust Cost in California
Since DIY platforms can't create irrevocable trusts, you'll need an attorney. Here's what to expect:
| Trust Type | Typical Cost | When You Need It |
|---|---|---|
| Irrevocable Life Insurance Trust (ILIT) | $3,000-$5,000 | Estates over $13.61M federal exemption |
| Medi-Cal Asset Protection Trust | $3,500-$7,000 | Protecting assets from Medi-Cal spend-down |
| Special Needs Trust | $3,000-$6,000 | Providing for disabled beneficiary without losing benefits |
| Charitable Remainder Trust | $5,000-$10,000+ | Tax-efficient charitable giving |
| Asset Protection Trust | $5,000-$10,000+ | Shielding assets from creditors/lawsuits |
Do You Actually Need an Irrevocable Trust?
Most people searching for "irrevocable trust cost" actually need a revocable living trust. Here's how to tell the difference:
You need a REVOCABLE trust (most people) if:
- Your primary goal is avoiding California probate
- You want to maintain control of your assets during your lifetime
- You want the flexibility to make changes as your life changes
- Your estate is under $13.61 million (federal estate tax exemption)
- You're not concerned about Medi-Cal eligibility
You may need an IRREVOCABLE trust if:
- Your estate exceeds $13.61 million and you need estate tax planning
- You need Medi-Cal asset protection (5-year look-back period applies)
- You have a special needs beneficiary who receives government benefits
- You face significant lawsuit risk and need asset protection
- You want to make tax-efficient charitable gifts
Revocable vs Irrevocable Trust: Quick Comparison
| Feature | Revocable Trust | Irrevocable Trust |
|---|---|---|
| Can you change it? | ✓ Yes, anytime | ✗ Generally no |
| Avoids probate? | ✓ Yes | ✓ Yes |
| Asset protection? | ✗ No | ✓ Yes |
| Estate tax reduction? | ✗ No | ✓ Yes |
| Medi-Cal protection? | ✗ No | ✓ Yes (after 5 years) |
| You maintain control? | ✓ Full control | ✗ Limited/none |
| Cost | $400-$500 | $3,000-$10,000+ |
| Available on LegalZoom? | ✓ Yes ($399-$649) | ✗ Not available |
Frequently Asked Questions
Q: Does LegalZoom offer irrevocable trusts?
A: No. LegalZoom only offers revocable living trusts ($399 Basic, $549 Premium for individuals). Irrevocable trusts require custom attorney drafting due to their complexity and permanent legal consequences.
Q: How much does an irrevocable trust cost in California?
A: Irrevocable trusts typically cost $3,000-$10,000+ when drafted by a California estate planning attorney. The cost depends on the type (ILIT, Medi-Cal protection, special needs, etc.) and complexity.
Q: Do I need an irrevocable trust to avoid probate?
A: No. A revocable living trust avoids probate just as effectively and costs far less ($400 vs $3,000+). Irrevocable trusts are for specific situations like estate tax planning, Medi-Cal protection, or asset protection from lawsuits.
Q: Can I convert my revocable trust to irrevocable?
A: A revocable trust automatically becomes irrevocable when the grantor passes away. During your lifetime, you'd need an attorney to create a separate irrevocable trust for specific planning purposes.
Q: What's the cheapest way to avoid probate in California?
A: A revocable living trust is the most cost-effective option. Living Trust California offers attorney-prepared revocable trusts for $400 (individuals) or $500 (couples). This avoids probate costs of $26,000+ on a $500K California estate.
Attorney-Prepared Revocable Living Trust
Avoid California probate — no irrevocable trust needed
Get Started NowCalifornia State Bar #208356 | $500 for couples | 24-48 hour delivery
