[Guilherme]

Hosspuller gave you some very good advice.

But you still need to sit down with a knowledgeable person to "run the numbers" for you. If you need to travel to find an "estate planner" then do so.

Pay for the advice. That way you'll likely get "independent" advice. And if they screw up you can sue them later. This is not a facetious comment.

You can really do yourself out of a lot of money, here. Internet advice is generally worth what you pay for it. Go find somebody who has a duty to you to tell you the truth about your circumstances.

G.

[hosspuller]

G ... Thank you for the kind words.

I've found the internet most useful for discovering what I don't know.

It's hard to ask an advisor questions if one doesn't know the questions. Even the most knowlegable advisor can't know every aspect of the advisee.