re: wealth preservation and access - if you have kids or anyone that you want to have access to your money after you leave this mortal coil, create a revocable trust now. Even WITH a trust in place, your beneficiaries will have difficulty getting banks to allow them access. With just a will, they will likely never be able to get it, especially depending on what US state you are in (I assume in other countries this is all just fine and works easily).
I am not a lawyer, but please find one