“My drafting up a Will for my Aunt was for her to review and take to a lawyer for him/her to review and approve. ”
It’s unforunate if the prior attorney she had did not do a good job. However, the best solution for that is for her to find a good attorney. I understand what you are trying to do, but if a client came to me with a will written by him/her (or a relative) using a consumer will prep program, I wouldn't use it. It would take me longer (and cost the client more) to try to modify that into a good will that would meet the client’s needs than to draft up a new will. Those will software programs can't address everything that a client may need, are not customized for the various customs and practices of every state, and may not offer some of the extras that may be available in a particular state that would make the will better. And, of course, the client won’t know everything that he or she should take into account when considering what to put into an estate plan. A good estate plan is comprehensive and includes more than just the will.
“I have never heard of QTIP”
A QTIP is a type a trust that is used for federal estate planning purposes. It is really only useful if a married couple (1) has a combined estate that would be subject to federal estate taxes and (2) they desire to impose restrictions on the surviving spouse’s ability to use the trust property. In other words, suppose a husband is concerned that his wife will not be able to manage money well and he wants to insulate her against losing her inheritance to bad financial decisions. The typical way to do that is to put her inheritance into a trust rather than give it to her outright. Using a trust allows him to define the circumstances under which she can distributions from the trust and he can select a trustee to manage the trust for her. The problem is that, in general, gifts to trust do not qualify as a gift to a spouse for federal estate taxes, which means that the gift would be subject to the estate tax. However, if the trust meets certain requirements, it will qualify as a gift to the spouse and thus will not be subject to the federal estate tax until she dies. Those trusts are called QTIP trusts.