wills

Regardless of how much or how little wealth you have, it's important to have a will unless you want the state to take over after you die. Have a lawyer draw one up (the fee depends on how complicated the will is).

Organize all the papers and important documents you'll need to take with you to the lawyer. Your will is an inventory of all that you own-real estate, bank accounts, stocks and bonds (if any), annuities, and life insurance.