[widgeon13]

I believe that if you are legally married a simple will should be sufficient for passing assets to your spouse. You should have one for her as well passing her solely held assets to you. Any joint ownership should pass unhindered. You should check for guidelines in you state of residence as well. IRA and 401K's create some complexity since there they have not been taxed in some cases. That can be addressed by distribution over time but there are still some taxes due.

I would go for the $670 deal and get all your questions answered. It also is good to review every five years or so because state and fed guidelines change and little gets into the news.