'I need to get my financial ducks in a row': I'm 80 with $1 million. How do I prevent my son from being hit with inheritance tax?

I'm 80 and I need to get my financial ducks in a row. I have $650,000 in investments, $250,000 in life insurance and about $150,000 equity in my home, plus good long-term-care insurance. All of this ...