happyjack,

First, the medical profession is not out to get your money - they each have trained for tens of thousands of hours and have your best interests foremost.

Re estate planning - I found great solace in having a trust with living will completed (many attorneys will do this via facetime or zoom - depending on your state's laws), all bank accounts and investments centralized (in my case I chose Fidelity, but Schwab does a good job, as well) - I found Fidelity far and away more knowledgeable and professional than local banks and credit unions.