Do I really need a Will?

I just started working with a financial advisor and he has stated that setting up a will is one of the first steps that I should take. He said he would be able to refer me to an attorney and that it would cost about $1500 for me and my husband.

Do we really need to create a will and if so do we really need to go to an attorney or can we just create one online?

We are both about to turn 30, we don't have any children yet, we have mortgage, retirement, etc. We are both named as the primary beneficiary on each other's accounts.

Any input would be great!