All of your assets: home, personal property (furniture, jewelry, and collectibles), investments (stocks, bonds), bank accounts (checking and savings), retirement plans (401B, 401K, Roth IRAs) and any interests in a family business or partnerships. Your assets may also include life insurance proceeds, retirement accounts and payments that are due to you (such as a tax refund, outstanding loan or inheritance.)

If you die without a will or a living trust (intestate in legal terms) state law, not you or your family, will determine how most of your belongings are distributed, and the result may not be what you want.