It is no secret that the more successful you become, the less of your wealth you will spend or use. The joy is to use it initially to provide a safety-net for your own lifestyle and that of your spouse, civil partner or co-habitee and then to put plans in place to provide for the next generation. Planned well, the creation of a sensible structure to hand-on your wealth can save you and your next-of-kin a fortune, and can ensure that the future incapacity or death of you or your partner will not cause additional financial issues. Planned badly, you can leave a trail of fiscal and emotional stress that may not be resolved for generations.