Wealth Strategies:  “A sobering reality is confronting many Americans in general, but there is a niche that has unique and serious planning problems–and we are not referring to all those who are going bankrupt, losing their homes to foreclosure, or filling out forms for unemployment benefits.  They won't be getting much sympathy from the one in seven Americans living in poverty, nor from the vast majority of Americans with less than $1 million in total assets, but those with $20-million estates may have the most to lose in a short time if they aren't extremely vigilant right now–and over the next several years.”