Estate Planning - How Do You Deal With the Wealth Transfer?

With the significant levels of wealth in our sort of 15, 20 million plus, it's an active conversation because those clients are worrying. They want to know, how is this going to happen? What's going to happen if I die? Who's going to get access to the money? How can we protect it? We have a lot of conversations around estate planning in that context. And then there'll become a point where, particularly with some families, what we've done is rather than the children go off and borrow money from a bank to fund their first home,. they'll borrow money, perhaps from the family trust. It certainly keeps the wealth within the family rather than out to external parties