Articles
Trusts, holding companies, probate, and what a bank is really asking for — explained in plain words, without the retainer.
Trusts
Both skip probate. Only one creates distance between you and a future judgment, and the difference comes down to a single question: can you take it back?
Entities
Yes, in the circumstances below. The filing was never the protection. What you did after it was filed decides whether the separation holds.
Structure
It is not a company and it does not trade. It owns things and passes them on. That distinction decides whether you need one.