While working a will and thinking about your assets, don't forget your soul.

Consider attaching a letter to your will that expresses your feelings about the ones you'll be leaving behind, the joys you've experienced in your life, and your hopes for future generations. This letter, called an ethical will, could be read at your funeral or handed out to your immediate family. "Legal wills bequeath valuables, while ethical wills bequeath values," Barry Baines, M.D., writes in his book, Ethical Wills: Putting Your Values on Paper, $13, www.amazon.com; www.ethicalwill.com.