If you don’t have a will, the state will divide your estate for you. Do you trust the government to determine your legacy? If not, Dan H. Florence, former president of the National Association of Estate Planners & Councils, recommends forming a team: an estate lawyer, a CPA, a financial planner, and an insurance agent. Expect to spend $250 to $1,500 for a simple will. Do-it-yourself packages are cheaper but can cost your family more after you’re gone. “I’ve seen them messed up royally,” Florence says. Heirs pay no taxes on estates worth up to $1.5 million (and spouses are totally exempt), so the estate tax isn’t a concern for most. Review your plans “anytime your family or financial circumstances change, or if you move to a different state,” says Michael T. Palermo, author of AARP Crash Course in Estate Planning (Sterling, $15, www.amazon.com). Named-beneficiary accounts, like 401(k)s and insurance policies, aren’t in your will, so update those separately with your plan administrator and insurance agent, especially if an ex’s name is listed.