Robert,
The answer to this question is best given by a financial and estate planner. It is dangerous to follow advice from people you don't know, who don't know your full circumstances and who are in any case not expert in the areas you're asking about.
I can recommend a book, however, that may help you avoid being scammed by people who advertise their one-size-fits-all "expert" advice. You can get Mark Kohler's Lawyers are Liars at Amazon.com. It will help you understand your options.
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