I'm struggling to find a suitable answer to this question as it pertains to my own situation. I understand that a business, or some professionals may need a trust to protect their assets. But what about a typical, blue collar working family, with three kids who is just starting to get into property investing? Why can't you just write a will when you're about to cark it? I also talked to my broker, and I have to agree with him that I don't see the value/nor the necessity of making life more complicated - nor the logic in paying the additional expenses to structure/maintain it.