<p>DH and I have had a trust since before the kiddos were born with our 1st starter house. It’s been updated and expanded many times since, but is a terrific investment even with modest assets. It wasn’t expensive. (No kidding, we got the first one w/ a coupon from the Penny Saver. Later, DH’s employer would pay for financial planning so we went to the best estate person in town who didn’t really change much from the boiler plate one.)</p>