For 99 percent of estate-planning clients, estate taxes are no longer the greatest financial threat to passing wealth onto the next generation. This peril has been usurped by the possibility of ruinously expensive long-term care (LTC) costs. But, many clients perceive premium payments for LTC insurance, which would undoubtedly pay for these costs, as only slightly less ruinous, especially if the client waits until retirement to purchase coverage. Sadly, many retirees feel ...

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