Time for your midlife oil change? Your coronavirus checklist

Some experts say this is the beginning of the end of the battle to tame the virus, and that by year end, all will be well. Others say it is just the end of the beginning with a long struggle ahead.

Regardless of which side turns out to be correct, most of us are still very much in harm’s way. Most federal workers and retirees have enough — life insurance, an annuity, property — to be considered an estate. Yet fewer than 50% of the people who should have an estate plan have one. Or it may consist of something you downloaded, filled out and filed away. Or perhaps in your efforts to forget a past marriage, you have left your former spouse everything.

Help is just a click away. My guest on today’s Your Turn radio show (10 a.m. EST) is Tom O’Rourke. He’s a tax specialist and estate attorney. And a former IRS lawyer and Vietnam vet. Most of his clients are current or former feds who — long before the pandemic — decided to get some advice and work up a plan. While few of us know the answers, its also true that most of us don’t know the questions we should ask. Which is where we (Tom actually will do the heavy lifting) come in.