Protecting My Assets

Will Trusts can be used to cover a variety of situations, such as protecting children and vulnerable family members, or preserving the value of your estate against Inheritance Tax or care home fees.

A Trust means that you leave your assets to people you trust (your trustees), who look after them for the people you choose to inherit (your beneficiaries). This means that your beneficiaries can benefit from your estate without actually owning the assets themselves.

How can I protect my estate and my loved ones?

Family structures can be complex and stressful, so it’s important to have the type of Will in place that best reflects your circumstances and wishes. Including a trust within your Will gives you the reassurance and peace of mind that you can protect and control what happens to your assets and property after you die.

We have simple solutions to a wide range of different situations to meet the needs of families who want to protect their own interests, or those of their children or vulnerable family members.

Why might I need a trust?

Trusts can perform a wide range of different functions. The following shows some of the most common family situations where trusts are often used:

  • To look after your spouse/partner after you have died, whilst at the same time making sure your children’s inheritance is protected
  • To provide for vulnerable family members, for example somebody who is disabled and may not be able to look after their own affairs
  • To protect the inheritance of beneficiaries who are bankrupt or likely to divorce
  • To protect your assets (as far as possible) from the impact of care home fees
  • To minimise the burden of Inheritance Tax (IHT).

What are the different types of Trusts?

  • Protective Property Trusts
    Can offer protection of the family home from a number of events including remarriage, divorce, bankruptcy or long-term care home fees, whilst also providing a home for your loved ones following your death.
  • Disabled Discretionary Trusts
    Putting financial arrangements in place for somebody who is unable to manage their own affairs, without affecting the means-tested state benefits to which they might be entitled.
  • Discretionary Trusts
    The beneficiaries and their entitlements to the trust fund are not fixed allowing complete flexibility and asset protection. For a few people there may also be tax advantages.
  • Nil Rate Band Discretionary Trusts
    Used in certain circumstances to help mitigate the impact of Inheritance Tax.



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