Quick, what did you get your spouse or significant other for Valentine’s Day?  If you are like most people, you don’t remember.  But what if you and your spouse did estate planning that not only protected each other from potential health care costs, but gave you both the peace of mind that no matter what, your spouse would always be provided for?  In this edition of “Ask the Expert” we discuss why we choose to procrastinate and how we can take simple planning steps to achieve peace of mind for our future.