Dear Mr. Premack: My stepfather has two retirement income sources, which put him over the limit for Medicaid assistance with his nursing home expenses. I’ve been advised by the Texas Department of Human Resources to establish a QIT to “launder” some of this money. I asked my local banker about a Miller Trust some months ago. He looked at me like I was from another planet; said he had never heard of such a thing. What is this trust, and how does it work? Thanks in advance. – J