There's a lot of money about to change hands in the U.S. — $30 trillion to be exact.

Baby boomers are the wealthiest generation in American history — and they're about to pass down those riches over the next few decades. It's the so-called great wealth transfer. But that exchange might not be as large as you had hoped if you don't take the right estate-planning steps.

Ensure there's still some wealth to pass down

Make sure that inheritance you're poised to bequeath remains intact. Health-care costs can add up fast. The cost of long-term care can wipe out an entire potential estate in the space of just a few years. The premiums can be hefty, but some financial advisors say long-term care insurance is worth it...