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Thanks Paul. From what I am told it wasn't cheap as it involved estate planners, accountants etc. Thanks Alex Ah the joys of knowing that good advice was sought with foresight, not complaining about something with 20/20 hindsight.

A question for our learned experts: how do testimentary trusts differ from discretionary trusts, unit trusts etc? Who becomes the appointer etc of the trust? (sorry Terry I had written this before I had fully read your previous response mentioning tt).