Has anyone used one of those online programs to prepare a will?

[csziggy]

6. I've used Quicken WillMaker and was pleased with it

It walks you through the entire process, including making a living will that covers your health care choices and naming a healthcare surrogate to make decisions if you cannot.

It also walks you through making a list of every person and institution that needs to be notified, keeping track of your online prescence and other details you might not think about.

I used it more than once as my circumstances changed and the newer version was even better than the original.

For your 401k you should be able to name your beneficiaries that will get it when you are gone. For your bank account it may be a good idea to put your son on as co-holder - that way he can go ahead and use the money for final expenses without jumping through all the hoops to get access.

A couple of years ago my situation got much more complicated and I did go to an attorney to advise me on my estate planning. But if your situation is simple, Quicken WillMaker is worth a look. This from a satisfied customer.