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"Please understand my responses regarding Trusts and your ability to exchange is not mentioned so you can avoid establishing a Trust beforehand, there are two members of SOW that provide Trusts with methods of paying over a schedule of time vs lump sum so please explore your options as what they will do will be directly addressed to your needs and not a one trust fits all concept."  Texas Snake

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People who have assets (money, gold, jewelry) and they also have liabilities (cars, houses, businesses) need Trusts so they can INSULATE the assets and ISOLATE the liabilities.  Without separating assets and liabilities into separate Trusts, the assets (gold or money) can be reached for settling a claim against a liability (like a car