Old Mossy Horns
Wish you the best on your plans. My parents plans were very well thought out as well. But when you wake up in the floor at 3:00 am with massive bleeding on the brain and never recovery makes it kind of hard for you to follow your plan. Then it falls on your love ones to make the decisions. n my case in all fell on me. The only decision I made was money would not be an issue for the best care for my mom.
But my parents could've done a better job protecting their investments and cash. As to the OP question I like "gifting" as a way to make sure my hard work goes to my family.
There's a document on my front door that says do not resuscitate and no heroic Measures that should cover it.