‘My husband and my father never really got along’: How do I ensure my husband of 26 years never gets his hands on my inheritance of several million dollars?

Dear Quentin,

I’ve been married 26 years, and my husband and my father have never really gotten along well. At some point in the near future, I will inherit a significant amount of money (several million dollars). I want to spend and invest this money as I wish. 

If anything happens to me, I want my children to inherit these funds. How do I ensure my husband never gets his hands on my inheritance? If we ever divorce, what should I do to make sure my spouse cannot access this money?

Loyal…