Hi Norm,
I agree with your post,
Life insurance is very important, as for tax planning and estate planning, tax lawyers (from your home country) would be the most suitable people to help.
Most adviser in the gulf have a very limited knowledge about tax implication in N-america or even Europe.
I totaly respect your job and I have no issues for things not "being free" (heck! we all deserve to get paid!), my illustration was here to show what the actual cost would be for people not willing to educate themself.
cheers