i'm not very smart but have a good honest,reputable lawyer.i do know that my grandfathers trust was different.i have a family farm set up in a trust from my parents,its also different.my wife is very ill and i have had a stroke so the lawyer advised a LIVING trust ,which is also very different than the other two.i also think there are several ways to go .different strokes for different folks!security is something to think about for the future.its just my opinion folks,---talk'n