I don't have any comments or advice about your AP question.
But in your opening sentence you listed two concerns; Estate and Surviving Spouse Living Standards. Are those your main concerns?
Of course we all want everything including maximum flexibility.
But sometimes because of personal circumstances, some goals might conflict with other goals, especially if certain scenarios play out.
If you were to prioritize them, which is first and which is second? Which one matters more to both you and your spouse?
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