Thank you. The academics are cautious and somewhat concerned about it.
The other question I have is for Mr. Styan. It has to do with when you're a family contemplating a death, and you have a child with a disability. In effect, you have to set up a discretionary trust in order to get funds into the hands of the beneficiary, otherwise the actual disability money is impacted.
If you created a registered disability plan, presumably at the point of death the money would have to be recognized. How would it then pass to the intended recipient, absent some sort of discretionary trust?