The Selths believe their testamentary trust strategy will make it more transparent and equitable for all beneficiaries. “We had a will but it didn’t embrace everything we wanted. We knew where we wanted the money to go but we wanted to be sure the beneficiaries were our kids but that they were protected in the case of divorce.”..

For chartered accountant Kylie Parker, who is about the embark on her third marriage, making sure there is a record of what is brought into the union is top-of-mind…