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Thanks very much for taking the time (and patience) to do this Chris. I think you probably have answered alot of this material in the thread. I read it a few times and didn't get more comfortable with the content. So I asked as plainly as I could. And thankfully you answered as plainly as you...

Sage advice Thanks Terry. Much as I suspected. Decision made, the most effective move I can make here is to maximise my time finding the best advisor I can that matches my style and strategy. (As well as challenging me to think differently.) The search continues.

Thanks. Do you have any links that might describe a few scenarios using Unit Trusts? I am trying to figure out why I would bother if it doesn't give me any (or significant) asset protection. I am sure it fits in certain plans, I would like to determine if it would fit my plans. Will HDT's...

Is there a "Dummies Guide" to this? Is there a "plain english" guide to all this HDT uncertainty and complexity? Or is "ask your advisor" the only valid response? I realise this sounds like a dumb question, but I gotta ask it. I am a smart guy, but this field is not my strength. And it seems...