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You know that feeling when you hear a term like “testamentary trust” and instantly think, “Nope… too hard… sounds expensive… sounds like something only rich people need”?
Yeah. Same.

But stick with me for a sec, because this is one of those things that sounds complicated—but could literally be the ...

Your mum just had a stroke. She can’t speak, can’t sign documents, and suddenly you’re standing in the bank trying to explain that you just need to pay her bills.

But the teller shakes their head.
You’re not on the account.
You have no authority.
The power’s about to be cut off — and there’s nothin...