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When you put it that way it does sound like over kill! But structuring is not just about trusts. There are many ways to structure in personal name ownership too.

That is like asking 'what should I have for dinner?'. A broad answer - some sort of food - is appropriate. but the sort of food you need will depend on a lot of things, such as your weight, body type, any illness, vitamin definciencies etc. I think you need to see a dietician.