Plus 100.

A simple will *may be* fine if all you have is a house and car and grown children.

Anything beyond that, you're begging for trouble. I've drafted quite a few wills and a couple of trusts in my time, and I'm telling you as honestly as I know how: use a professional. It doesn't have to be the $400/hr guy in the biggest firm in town, but you definitely want an attorney who knows the ins and outs of estate (and estate tax) planning.

The worst case scenario if you get it wrong is not that something you wanted to happen doesn't, but rather than your will is declared invalid, all of it flows through the statutory intestacy laws, and then 2/3 of the estate is eaten up by various lawyers and estate taxes.

You can either pay a small amount now to be sure it's done to your desires, or you can be sure huge amounts will be paid later.

Good luck, JP. You're smart to be thinking about this stuff, but take the next smart step and get a professional involved. If you're in a large enough church, ask the elders who the attorneys in the congregation are, and then talk with them to get some names for a decent estate lawyer, they'll know who they are.