Dear Mr. Premack: I saw an ad for a trust seminar given by a financial planner. It says that a trust is a great way to avoid estate taxes and to avoid probate. I get a free lunch out of the deal, and am considering attending. As a lawyer, can you give me a perspective that will be useful when I go to this lunch? – H.N. The first thing to consider is that a financial planner is not licensed to provide legal services. As such, the planner should never have written a trust for a