If you won Saturday’s historic Powerball jackpot and you haven’t already done so, sign the ticket. Now.

Finished? Now call a lawyer — even before your spouse if things are a little shaky on that front. Next you’ll need a financial adviser, an accountant and a therapist.

The Associated Press asked more than 20 personal financial advisers how the winner should proceed, and they agreed it’s crucial to assemble a team of advisers who can be trusted. Chances are the winner wasn’t mega-rich before, so it’s hard to know what to expect.

“You don’t need a financial planner immediately, because you don’t have the check in your hand. You need the lawyer before you need the financial planner because you’ve got to get all the necessary legal work done as quickly as possible,” said Stuart Goldberg, a Tallahassee-based estate and tax lawyer. That can include creating a trust fund, shoring up a will, getting advice on how best to claim the money so the government gets less of it and discussing who else might try to claim they’re entitled to a share. “If you collect the ticket while you’re married and your wife immediately files for divorce, does she get half?”

The winning ticket was bought at a Publix supermarket in Zephyrhills, a city of about 13,000 that’s 30 miles northeast of downtown Tampa. The winner has 60 days to claim the biggest jackpot in Powerball history if they choose a lump sum payment. Under Florida law, the person can’t remain anonymous.

No one had come forward to claim the prize on Monday, and lottery officials said they were expecting the person to wait at least a few days.

Experts say the winner should thoroughly vet whoever’s on their team of advisers. And while the first call may be to an attorney or financial planner who’s a friend or relative, such acquaintances may not be best capable of dealing with that kind of money. They can, though, give advice on where to go next.

“For that kind of money, I would certainly want a well-known reputable group, not cousin Bernie who has a securities company down the road,” Goldberg said.

Ginger Snyder, vice president of investments for The 360 Wealth Management Group of Raymond James in Tampa, agreed that the lawyer should be the first hire and should be present for subsequent talks with a financial planner.

“Once everything is calmed down, as an adviser I would treat them just like any other client that I have. It’s a little different because obviously it’s sudden wealth,” Snyder said. “I would have to assume that this is going to be a lot more money than they have currently, so I would talk to them what their goals might be and what relationships are important to them.”

Many advisers said to avoid high-risk investments and opt for lower yielding but more secure investments. Even the most conservative investment should yield at least a 3 percent return. Considering the lump sum payment could be as high as $277.5 million after taxes, the winner could live off $8.3 million in interest per year without touching the winnings.

Among other advice: The winner should change his or her phone number and email address and give the new ones out only to those who need it. Once one’s identity is revealed, there will be plenty of people offering their financial services — not all of whom have pure motives.

“Do a Google search on all the lottery winners who squandered it or became miserable,” said Buz Livingston, a Santa Rosa Beach-based financial adviser.

Of course, many people, family and friends included, will want money.

“Hire someone to deal with all of the solicitations including those from family and friends. If anyone asks you for anything you can simply tell them they have to contact Mr./Ms. X,” said Jennifer Hartman, a Los Angeles-based financial adviser.

Among the most notorious tales of a lottery winner’s misfortune was West Virginia’s Jack Whittaker, who won $315 million in 2002. Five years later, he blamed the money for causing his granddaughter’s fatal drug overdose, his divorce and hundreds of lawsuits filed against him. He said he couldn’t trust many of his friends and relatives.

Even more modest prizes can come with problems. A woman was convicted late last year of slaying Florida lottery winner Abraham Shakespeare, who won a $30 million jackpot in 2006. Prosecutors say the woman befriended him, became his financial adviser and swindled him out of his dwindling fortune before killing him.

The advisers say there’s nothing wrong with some modest splurges. But the winner shouldn’t rush out and buy a new house before considering how this change will affect them, said Eric Lewis, the chief investment officer at Bedrock Capital Management, Inc. in Los Altos, Calif.

“Satisfy your urge to splurge, prudently. Take a small portion of the winnings and spend it on a few things or experiences you’ve always wanted. A new car, a big TV, a fancy vacation, a great bottle of wine, etc.,” Lewis said. “With the exception of a modest splurge, force yourself to chill out regarding spending your new wealth. You’ll get more satisfaction from the money, and it will be more likely to last, if you take the time to reflect on what you want from your new lifestyle.”

Several said a therapist should also be on the list of people to consult.

“You need a plan, and it should include some kind of counseling. You can have the best lawyers and everything, but it goes to people’s heads,” said Goldberg. “Lottery winners have ended up in divorce, bankruptcy, suicide because they don’t know what to do and how to handle the money.”

1. TORNADO ROARS THROUGH OKLAHOMA CITY SUBURBS

The twister, with winds up to 200 mph, reduces block after residential block to ruins and leaves dozens dead.

2. A RARE AND DEADLY COINCIDENCE

Monday’s powerful storm followed roughly the same route as a killer twister that slammed the region in 1999.

3. THE PATH THAT LED TO A $1.1 BILLION PAYDAY

David Karp dropped out of high school, then created Tumblr, which has been acquired by Yahoo in a blockbuster deal.

4. WHO WAS OUT OF THE LOOP ON THE IRS AUDIT

Top advisers say they did not immediately inform Obama, reflecting an apparent desire to distance him from troubles threatening his administration.

5. JODI ARIAS TRIAL IN TURMOIL

Her lawyers try to quit in the middle of the death-penalty phase, then say they’ll call just one witness: Arias herself.

6. THE SCOPE OF NYPD SPYING

A detective describes surveillance of Muslims as narrowly targeted on a few individuals. But text messages obtained by the AP show a wide-ranging effort.

7. WHY BLOODSHED IN IRAQ IS ESPECIALLY TROUBLING

A wave of deadly attacks is raising fears that the country could be turning down the path toward civil war.

8. MANDELA’S DECLINE ACCOMPANIED BY DISILLUSIONMENT

The sense of possibility that the aging leader embodied is fading in South Africa as the gulf between rich and poor widens.

9. WHERE LAND IS AT A PREMIUM

Across the Midwest, farmers are planting crops on almost any scrap of available acreage to take advantage of high corn and soybean prices.

10. FOUNDING MEMBER OF THE DOORS DIES AT 74

Keyboardist Ray Manzarek helped form the seminal ’60s band after meeting then-poet Jim Morrison in California.

The storm laid waste to scores of buildings in Moore, a community of 41,000 people south of the city. Block after block lay in ruins. Homes were crushed into piles of broken wood. Cars and trucks were left crumpled on the roadside.

The National Weather Service issued an initial finding that the tornado was an EF-4 on the enhanced Fujita scale, the second most-powerful type of twister.

More than 120 people were being treated at hospitals, including about 70 children.

Rescuers launched a desperate rescue effort at the school, pulling children from heaps of debris and carrying them to a triage center.

Oklahoma Gov. Mary Fallin deployed 80 National Guard members to assist with search-and-rescue operations and activated extra highway patrol officers.

Fallin also spoke with President Barack Obama, who offered the nation’s help and gave Fallin a direct line to his office.

Many land lines to stricken areas were down and cellphone traffic was congested. The storm was so massive that it will take time to establish communications between rescuers and state officials, the governor said.

In video of the storm, the dark funnel cloud could be seen marching slowly across the green landscape. As it churned through the community, the twister scattered shards of wood, pieces of insulation, awnings, shingles and glass all over the streets.

Volunteers and first responders raced to search the debris for survivors.

At Plaza Towers Elementary School, the storm tore off the roof, knocked down walls and turned the playground into a mass of twisted plastic and metal.

Children from the school were among the dead, but several students were pulled alive from the rubble. Rescue workers passed the survivors down a human chain to the triage center in the parking lot.

James Rushing, who lives across the street from the school, heard reports of the approaching tornado and ran to the school, where his 5-year-old foster son, Aiden, attends classes. Rushing believed he would be safer there.

“About two minutes after I got there, the school started coming apart,” he said.

The students were placed in the restroom.

Douglas Sherman drove two blocks from his home to help rescue survivors.

“Just having those kids trapped in that school, that really turns the table on a lot of things,” he said.

Tiffany Thronesberry said she got an alarming call from her mother, Barbara Jarrell, after the tornado.

“I got a phone call from her screaming, ‘Help! Help! I can’t breathe. My house is on top of me!’” Thronesberry said.

Thronesberry hurried to her mother’s house, where first responders had already pulled her out. Her mother was hospitalized for treatment for cuts and bruises.

Search and rescue efforts were to continue throughout the night.

Oklahoma City Police Capt. Dexter Nelson said downed power lines and open gas lines posed a risk in the aftermath of the system.

Monday’s powerful tornado loosely followed the path of a killer twister that slammed the region in May 1999.

The weather service estimated that the storm that Monday’s tornado was at least a half-mile wide. The 1999 storm had winds clocked at 300 mph.

Kelsey Angle, a weather service meteorologist in Kansas City, Mo., said it’s unusual for two such powerful tornadoes to track roughly the same path.

It was the fourth tornado to hit Moore since 1998. A twister also struck in 2003.

Monday’s devastation in Oklahoma came almost exactly two years after an enormous twister ripped through the city of Joplin, Mo., killing 158 people and injuring hundreds more.

That May 22, 2011, tornado was the deadliest in the United States since modern tornado record keeping began in 1950, according to the National Oceanic and Atmospheric Administration. Before Joplin, the deadliest modern tornado was June 1953 in Flint, Mich., when 116 people died.

1. OBAMA OFFERS STARK VIEW, AND ENCOURAGING WORDS, FOR BLACK GRADS

As an African-American man, he tells Morehouse’s Class of ’13, ‘I might have been in prison. I might have been unemployed. I might not have been able to support a family. And that motivates me.’

2. AT LEAST ONE SOMEONE IN FLORIDA MAY BE FEELING EXTRA SUNNY

The single winning ticket for the $590.5 million Powerball, sold in Zephyrhills, can be redeemed as soon as Monday morning.

3. TEA PARTY’S ‘I TOLD YOU SO’ MOMENT ARRIVES

Shouts of vindication could become a recruitment tool for those who fear an overreaching US government.

4. HOW 2,000 FEET OF WRECKED TRACK IS WRECKING COMMUTES

The Connecticut collision knocks out Amtrak between New York and Boston, along with service for 30,000 Metro-North riders.

5. SYRIA REGIME’S ADVANCES IN BATTLE COMPLICATE PEACE-TALK PLANS

The US and Russia now face an even tougher task persuading Assad and opponents to sit down.

7. WHY THE PALESTINIANS STILL REJECT TEMPORARY BORDERS

The option has re-emerged but the fate of east Jerusalem remains a major sticking point.

8. SEVERE STORMS HIT PLAINS, UPPER MIDWEST

Tornado causes major damage at trailer park near Oklahoma City; spotter says earth has been ‘scoured.’

9. 2 FBI AGENTS DIE IN TRAINING ACCIDENT

The men, who were on the agency’s elite Hostage Rescue Team, were killed during training off the coast of Virginia Beach, officials said.

10. PARKER, SPURS SCHOOL GRIZZLIES

San Antonio opens Western Conference finals with 105-83 win over Memphis.

The latest voyage of the starship Enterprise fell short of its predecessor, 2009′s “Star Trek,” which opened with $75.2 million.

Since premiering Wednesday in huge-screen IMAX theaters and expanding Thursday to general cinemas, “Into Darkness” has pulled in $84.1 million, well below distributor Paramount’s initial forecast of $100 million. The film added $40 million overseas, pushing its total to $80.5 million since it began rolling out internationally a week earlier.

The “Star Trek” sequel bumped “Iron Man 3″ down to second place after two weekends on top. Robert Downey Jr.’s superhero saga took in $35.2 million domestically to lift its receipts to $337.1 million. Overseas, “Iron Man 3″ added $40.2 million, raising its international total to $736.2 million and its worldwide tally to nearly $1.1 billion.

While “Iron Man 3″ and “Into Darkness” did well overseas, they were outmatched by the debut of Baz Luhrmann’s “The Great Gatsby,” which followed its domestic debut a week earlier with a wide rollout internationally. “Gatsby” pulled in $42.1 million overseas, coming in a bit ahead of both “Iron Man 3″ and “Into Darkness.”

Domestically, “Gatsby” held up well at No. 3 with $23.4 million, lifting its total to $90.2 million.

In today’s Hollywood of bigger, better sequels, follow-up films often outdo the box office of their predecessors, as each “Iron Man” sequel has done. While “Into Darkness” earned good reviews and is getting strong word-of-mouth from fans, the film did not quite measure up to the opening weekend of director J.J. Abrams’ “Star Trek” reboot from four years ago, at least domestically.

“‘Star Trek’ remains a fan-boy movie. It doesn’t seem to have the same kind of cross-over appeal as say an ‘Iron Man’ or some of these others,” said Paul Dergarabedian, an analyst for box-office tracker Hollywood.com. “It’s a very specific brand, but I think the general public would love this movie, because it’s such an action movie. But to get a hundred-million-plus opening weekend, unless you’re ‘Twilight,’ you really have to cross over to all audiences.”

Paramount points out that overseas business is up in many markets, though, so worldwide, the sequel is off to a better start.

“Because of the nature of the franchise, because of how many movies have been made and the various forms of the TV shows, I’m not sure that ‘Star Trek’ goes by the rules of normal sequels. I think each movie stands on its own, because it’s a unique franchise,” said Don Harris, Paramount’s head of distribution. “My goal was always that we grow the franchise. We’re clearly seeing by today’s numbers that the movie is being embraced on a worldwide basis in a way we’ve never seen before.”

Harris said that domestically, “Into Darkness” finished its first weekend 6 percent ahead of revenues for 2009′s “Star Trek,” which got a head-start with $4 million in Thursday night previews to give it a $79.2 million haul through the first Sunday.

But “Into Darkness” had a full day of screenings Thursday plus its Wednesday IMAX business. Unlike the first movie, which played only in 2-D, the sequel also had the benefit of 3-D screenings that cost a few dollars more. Yet even with the 3-D upcharge and the earlier debut, it came away with just $4.9 million more than its predecessor through Sunday.

Still, it’s a solid starting place for the movie to live long and prosper at theaters, with Paramount hoping “Into Darkness” can surpass the $385 million worldwide total of “Star Trek.”

“I think we’re well along on that road,” Harris said.

Estimated ticket sales for Friday through Sunday at U.S. and Canadian theaters, according to Hollywood.com. Where available, latest international numbers are included. Final domestic figures will be released Monday.

1. “Star Trek: Into Darkness,” $70.6 million ($40 million international).

2. “Iron Man 3,” $35.2 million ($40.2 million international).

3. “The Great Gatsby,” $23.4 million ($42.1 million international)

4. “Pain & Gain,” $3.1 million.

5. “The Croods,” $2.75 million.

6. “42,” $2.73 million.

7. “Oblivion,” $2.2 million.

8. “Mud,” $2.16 million.

9. “Peeples,” $2.15 million.

10. “The Big Wedding,” $1.1 million.

But it wasn’t Matthew Bogel. On Sunday, he loaded groceries into his car after shopping at the Publix. He shook his head when asked about the jackpot.

“It’s crazy, isn’t it?” he said. “That’s so much money.”

It’s an amount too high for many to imagine. Compare it to the budget for the city of Zephyrhills: This year’s figure is just more than $49 million. The winning Powerball jackpot is 12 times that.

Whoever has the ticket hadn’t come forward as of Sunday morning.

“This would be the sixth Florida Powerball winner and right now, it’s the sole winner of the largest ever Powerball jackpot,” Florida Lottery executive Cindy O’Connell told The Associated Press. “We’re delighted right now that we have the sole winner.”

Publix spokeswoman Maria Brous said that there are a lot of rumors about who won, but the store doesn’t know. “We’re excited for the winner or winners,” she said.

O’Connell said Florida has had more Powerball winners than any other state but did not give any indication whether anyone had stepped forward with the winning ticket in Saturday’s drawing.

But plenty of people in Zephyrhills — population 13,337 — are wondering whether it’s someone they know.

Joan Albertson drove to the Publix early Sunday morning with her camera in hand, in case the winner emerged. She said she had bought a ticket at a store across the street, and the idea of winning that much money was still something of a shock.

“Oh, there’s so much good that you could do with that amount of money.” Albertson said. “I don’t even know where to begin.”

Zephyrhills is a small city in Pasco County, about 30 miles northeast of downtown Tampa. Once a rural farming town, it’s now known as a hotbed for skydiving activity, and the home to large retiree mobile home parks and Zephyrhills bottled water.

And now, one lucky lottery ticket.

“I’m getting text messages and messages from Facebook going, ‘uh, did you win the lottery?’” Sandra Lewis said. “No, I didn’t win, guys. Sorry.”

Sara Jeltis said her parents in Michigan texted her with the news Sunday morning.

“Well, it didn’t click till I came here,” she said, gesturing to the half-dozen TV live trucks humming in the Publix parking lot. “And I’m like, wow I can’t believe it, it’s shocking! Out of the whole country, this Publix, in little Zephyrhills would be the winner.”

With four out of every five possible combinations of Powerball numbers in play, lottery executives said Saturday that someone was almost certain to win the game’s highest jackpot, a windfall of hundreds of millions of dollars — and that’s after taxes.

The winning numbers were 10, 13, 14, 22 and 52, with a Powerball of 11.

Estimates had earlier put the jackpot at around $600 million. But Powerball’s online site said Sunday that the jackpot had reached an estimated $590.5 million.

The world’s largest jackpot was a $656 million Mega Millions jackpot in March 2012.

Terry Rich, CEO of the Iowa Lottery, initially confirmed that one Florida winning ticket had been sold. He told AP that following the Florida winner, the Powerball grand prize was being reset at an estimated jackpot of $40 million, or about $25.1 million cash value.

The chances of winning the prize were astronomically low: 1 in 175.2 million. That’s how many different ways you can combine the numbers when you play. But lottery officials estimated that about 80 percent of those possible combinations had been purchased recently.

While the odds are low for any one individual or individuals, O’Connell said, the chance that one hits paydirt is what makes Powerball exciting.

“There is just the chance that you will have the opportunity, and Florida is a huge Powerball state,” O’Connell said. “We have had more winners than any other state that participates in Powerball.”

The longshot odds didn’t deter people across Powerball-playing states — 43 plus Washington, D.C., and the U.S. Virgin Islands — from lining up at gas stations and convenience stores Saturday.

Clyde Barrow, a public policy professor at the University of Massachusetts-Dartmouth, specializes in the gaming industry. He said one of the key factors behind the ticket-buying frenzy is the size of the jackpot — people are interested in the easy investment.

“Even though the odds are very low, the investment is very small,” he said. “Two dollars gets you a chance.”

Lewis, who went to the Publix on Sunday to buy water, said she didn’t play — and she isn’t upset about it.

“Life goes on,” she said, shrugging. “I’m good.”