You can do your own estate plan, but should you?

Estate planning mistakes can be expensive to fix — that is, when they can be fixed at all.

That's the thought that haunts New York attorney Mari Galvin whether she is creating an estate plan for a client or confronting the aftermath when people didn't properly plan.

"People think, 'Oh, I have a simple life,' but you have to understand (that if) you make a mistake and you have unintended results, you can't bring the person back to sign a new will," said Galvin, a partner at Cassin & Cassin law firm.

Galvin is currently sorting out the $12 million estate of a man who thought his situation was straightforward enough to plan with do-it-yourself software. His mistakes left his executors without enough cash to pay the estate's taxes, which has led to conflicts among the heirs, delays and considerable lawyer fees.

"It's an absolute mess," she said.

For many, though, do-it-yourself options may be better than not having any plan.

A 2016 Gallup Poll survey found that only 44 percent of Americans have a will, which means most don't have a plan to guide their families or determine who will take care of minor children. People who don't have estate plans are stuck in denial, sure, but many are also intimidated by the perceived complexity and cost.

Fortunately, there is middle ground between doing it all yourself and paying thousands of dollars for a lawyer.

LegalZoom, for example, offers users the option to consult with an independent attorney while using its software. A basic will without legal advice costs $69, while a bundle that includes advice is $149.

At Rocket Lawyer, another self-help service that runs on a subscription model, users pay $40 a month for planning software and unlimited access to attorneys.

Prepaid legal plans, often offered by employers, may be another alternative.

(Quicken Willmaker, among the best-known software products, doesn't offer advice as part of its $70 cost, but its publisher, Nolo, offers a directory of lawyers that users can hire to review their wills.)

The cost for a living trust, which is an alternative to wills designed to avoid probate, starts at about $1,500 and goes up from there, depending on an estate's complexity.

Jennifer Sawday, an estate-planning attorney with TLD Law in Long Beach, Calif., said people can save money by asking CPAs or other tax professionals for referrals and looking for attorneys who advertise, since they may still be building their practices.

"Understand that most estate plans are actually drafted by software programs so what you are paying for is the advice on the documents you need, having the documents prepared correctly and having the deeds for your real estate recorded for you," Sawday said.

One of the most valuable services an estate-planning attorney can provide, Galvin said, is the opportunity to discuss your situation with an expert who has seen many estate plans in action and who knows what can go wrong.

"With an online form, you have choices, but what you lack is this consultation of being able to say to someone. 'Walk me through this. Let me get this comfort level of how this would play out for me really for my family,' " Galvin said.

These cases can include people with multimillion-dollar estates, disabled children who require special needs trusts, blended families (especially where there may be animosity between the kids and the new spouse), property in foreign countries and complex family businesses, Rampenthal said.

Other people can use software to at least get started on the process, with the idea that they can hand it off to an attorney, if necessary. What's most important is to get it done.

"One of the most loving things you can do," Rampenthal said, "is not make people guess at what you wanted."