Q: We have a family trust set up to protect our investments, especially to avoid our assets being means tested for resthome fees.

Recent comments in the NZ Herald business section said a trust would no longer be a protection against means testing.

On a scale of 1-10, 1 being "not likely" to 10 "very definitely", how would you rate the likelihood of this family trust law change?

A: I would rate it 10, as it's already happened! This has nothing to do with changes to trust law taking place early next year. This change has been in effect for quite some


Where there's a Will


$1 million in the bank

The cost of Super

Free to travel

Money week