A critical element in ensuring our children’s welfare after we are gone is of course providing for them financially.

But that involves more than just drawing a will. Your will must be structured correctly, and an important aspect of that is to protect minor children’s inheritances until they turn eighteen. Otherwise, those inheritances might well end up in the government-run Guardian’s Fund. We’ll explain why that’s not a great idea at all, and we’ll suggest a way to avoid that risk.