A recent CNBC survey discovered that more than 1/3 of millionaire families, defined as those with investable assets over $1 million, have not established an estate plan with a proper financial expert. Why? Perhaps the constant changes to federal estate-tax law have continued to confuse families, as they can’t keep up with the ever-changing law. Some families simply think they don’t need to establish a plan, as the latest exemption stands at $5.43 million per person – in ot