According to several surveys, the odds arethat you don't have a will. To avoidfiscal disaster, you should put makinga will at the top of your to-dolist. While you're at it, make sureyour will has a clear description ofhow you want your heirs to shareyour estate. It should also includethe name of your executor and analternate if your first choice is notable to perform in that capacity, aswell as a guardian for your minorchildren, and an alternate. : Awill's provisions will not override anybeneficiary instructions on assetslike IRAs, 401(k) plans, and lifeinsurance policies. Check the beneficiary designations on these assets tomake sure they are still valid.