As Senator Ernst sweetly reminded us, we're all going to die. But not all of us will be prepared financially to die. Thinking about the afterlife is rather unpleasant for most of us. Yes, there's heaven to look forward to. But who knows if we'll make it. There's lots of religions, different from our own, that are convinced that we'll be rejected before we even apply. So, we put off planning for the end game and then put it off some more. Trouble is, game over can occur when you least expect or deserve it. And when you pass, you'll be passing on an estate, perhaps tiny, perhaps huge. But unless you do proper estate planning, what you leave may not go to the people you wish or in the form you wish.

The morbid moral here is that we all need to do estate planning and, indeed, do it on a routine basis as our finances change. There are a zillion estate attorneys out there to assist you. But it's critical to know the score before engaging anyone. This is why I invited Alan Gassman to talk about estate planning, particularly the value of trusts. Alan, as his bio copied below attests, is a big deal in the field of estate planning. He has a terrific estate, tax, and business law firm, has built outstanding software that handles all manner of estate issues, and is one of the most respected and acclaimed estate attorneys in the country. Do listen to this exciting -- yes, the end game is full of excitement -- discussion with Alan Gassman. He's a magnetic speaker and chock full of essential information and advice.