Ask Francine

Dear Francine,

My husband and I are in our 50s and have daughters 28 and 25. The older one is doing well, but the younger has been in drug rehab four times and now has a very modest job and apartment. In writing our wills (assets about $3 million), we are unsure how to leave a medical trust for her. Any money she receives will be ill spent. If her sister is the trustee, that will destroy what's left of their relationship. My accountant says his firm does this service. But how can I be sure the fees won't eat up...

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