Leaving a will to divide up your property can save...

Leaving a will to divide up your property can save loved ones much grief -- and red tape, experts say. Credit: iStock

There's one bucket list item most people don't check off. It's not taking that trip to Paris, but making their will.

Only about 40 percent of adults in America have a will, which is likely due to people not wanting to be reminded of their own mortality and that life will go on without them, says Jeff Gorton, a certified financial planner with the Gorton Financial Group in Oklahoma City.

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