The key to preventing harm is knowing about the possibility of that harm so you can plan accordingly. As such, it is the threats you may not have thought about that could do the most harm. Have you considered, for instance how the divorce of a beneficiary could impact your assets? If your daughter and son-in-law decide to end their marriage, and you already gifted assets to your daughter, your son-in-law could end up with those assets in the divorce. The high cost of long-term care (LTC) is another huge threat to your assets, though you may not know it. Because Medicare won’t cover LTC, you may be forced to turn to Medicaid for help; however, if your countable resources exceed the (very low) program limit you may be forced to use those resources to pay your LTC bill until Medicaid will start chipping in with expenses.