Not at all.
There are many reasons a family that does not consider itself rich could benefit from a trust. Here are just a few examples:
Parents may want their assets to be managed for their minor children should they both pass away prematurely. They also may not want their assets to go to their children outright when they turn 18. To address these issues, they can create a trust to hold and manage assets after their deaths until the children are older (e.g., 25 or 30).
A family might need to make arrangements for someone with a mental, physical, or developmental disability. A properly drafted trust can manage assets for a special needs family member while still leaving that person eligible for state and federal benefits relevant to his or her condition.
Someone might decide to transfer title to his or her home to a trust to protect it in the event he or she needs to go into a nursing home.
Trusts can also be used in combination with other planning methods to protect assets from the claims of creditors.
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