Trusts can be a mess anywhere ... or very simple .
The real issue is ... Did someone who sold used cars or worse help Grandpa after they passed a basic math test and became a "VP of INVESTMENTS" or CERTIFIED BLAH BLAH !!!
Ive worked directly and indirectly w/ ALL the firms . This one amuses me the most . Merrill is comical too and lately they seem to have a hard time finding people to work for 33 cents on the dollar earned .
The whole business is changing as people wake up and realize they can do most of this so called investment planning themselves thru a variety of HUGE discount brokers and save the aggravation of dealing w/ "brokers" who arent as smart as my Dog .
You really just need a SHARP LAWYER and a SHARP CPA . They exist .