The problem with estate plans is that two of every three people who need one and should have one don’t. It’s a grim but timely reminder during a worldwide pandemic that seems, in a lot of places, to be getting worse not better.

So we arranged to have Tom O’Rourke on our Your Turn radio show today. He’s a Vietnam veteran and former IRS attorney who now specializes in tax and estate planning. He’s based in the Washington, D.C., area and many if not most of his clients are or were feds. And while most are smart and successful, most don’t realize they are worth more than they think — and that most don’t know what they don’t know.