Dear Savvy Senior: Can you recommend good online resources for writing a simple will? I’m 70 and divorced and want to get my affairs organized, but I hate the idea of paying a high-priced attorney fee if I can do it myself. — Don’t Have Much

Dear Don’t Have Much: A last will and testament is an important document because it ensures that your money and property will be distributed to the people you want to receive it after your death. Fewer than one-third of American adults have prepared a will.

If you die without a will, your estate will be settled in accordance with state law. Details vary by state, but assets typically are distributed using a hierarchy of survivors. Assets go first to a spouse, then to children, then your siblings, and so on.

You also need to be aware that certain acc

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