No client wants to leave an estate to a child only to find that the money is lost later on in a divorce. The estate planning answer for a lot of parents is to leave inheritances in trust for the benefit of their child. But trusts vary widely, and because this is a message many clients miss, planners must reinforce the idea.

Most clients continue to use trusts that will provide modest protection - or perhaps none - if a child later divorces. There are far better options. To understand the alternatives, the nuances of will and trust provisions have to be addressed. Advisors need to assess the fine print of every trust to see what it will really do. Poorly crafted trusts are the weak link in most clients' wealth transfer plans.

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