Complex sentence: Funds held in care are not the fiduciary's property, and the client is not a creditor, so in case of bankruptcy, if the funds have been properly kept separate, they can easily be returned to the client.
Split into simpler sentences: Funds held in care are not the fiduciary's property, and the client is not a creditor. So in case of bankruptcy, if the funds have been properly kept separate, they can easily be returned to the client.