It’s worth going to an actual lawyer. It’s the old thing - pay now, or your inheritors will pay later at a much higher price. Anything more complicated than ‘everything to my kids in equal shares’ needs a lawyer. Can’t stress too highly how much this matters. There are cheaper lawyer options - you don’t have to pay thousands. DM me if you want to chat about this in a general way, based the fact that I’m in the legal documents business. I can’t give financial advice, but do know the industry pretty well. Can’t answer until later tonight or tomorrow.