Tax and estate planning isn’t for the faint of heart. The rules are complex and each decision seems to have a multitude of moving parts. Take James and Andrea, a couple in their early 80s who’ve been married for 55 years. They’ve been prudent in preparing for their retirement and the possibility of needing long-term care. They each have wills, durable powers of attorney for both finances and health care, as well as living trusts and wills. They’ve talked to their doctors, lawyers and two daughters about ...