Thanks to steady investing, a growing number of feds and federal couples now have 401(k) balances exceeding $1 million. The vast majority did it the hard way. They started investing from day one, maxed out their contributions and rode out the market in good and bad times. So do you have an estate plan? Tom O'Rourke, a Washington area estate and tax attorney and principal at Miles & Stockbridge, answered questions on this week's Your Turn with Mike Causey.