Most people think a trust fund is something only the ultra wealthy create. I used to think the same way. Then I became a financial planner and watched everyday families lose money they didn’t have to lose. Homes tied up in probate. Bank accounts frozen. Kids waiting months or years to receive what their parents intended for them. This wasn’t happening to millionaires. It was happening to teachers and nurses and soldiers. People just like my parents. When I deployed to Iraq with the Army National