Keep your home in the family
A Lifetime Trust can help protect your property for your children, whatever the future holds.
Asset Protection
Lifetime Trusts that keep your home in the right hands
Shield your family home within a protective bubble and preserve it for future generations while you maintain control during your lifetime.
Included as part of our comprehensive Estate Management Plan.
Award-winning Estate Planning
We were named Estate Planning Firm of the Year – Boutique at the 2025 British Wills and Probate Awards.
What is the Estate Management Plan?
Our Estate Management Plan is a complete solution for all of your Estate Planning needs and includes the following benefits:
1 Comprehensive asset protection
A Lifetime Trust provides complete protection for your family’s home.
2 Clear guidance for your loved ones
A Last Will & Testament ensures that your wishes are followed and provides clarity for your loved ones.
3 Security for your future
A Property and Financial Lasting Power of Attorney ensures that someone you trust can make important decisions on your behalf, no matter what happens.
4 Secure document storage
Store your irreplaceable documents in our state-of-the-art facilities, ensuring they are safe and accessible when needed. Also, get your own personal digital asset vault.
5 Executor support
Our team is available to guide your executors if needed, providing peace of mind for you and your family.
6 Unlimited updates
We understand that life changes, so we offer unlimited updates to your Will to reflect your evolving wishes.
What our customers say...
How could a Lifetime Trust help me?
Your home is likely your most valuable asset. A Lifetime Trust can help ensure it stays protected and ends up with the people you intend.
Maintain control
Unlike gifting your property, a Lifetime Trust keeps you in the driving seat. You continue to live in your home, without the risks that come with giving it away.
Built-in flexibility
Your trustees have the power to respond to circumstances you could never have predicted, adapting how and when your estate benefits your loved ones to make sure they get the most from it.
Keep your planning private
Your Trust documents remain private after your death, and a Trust is generally more difficult to challenge than a Will.
Protection from the unexpected
Your home sits outside a beneficiary’s personal estate, offering a layer of protection against their creditors, bankruptcy, or divorce.
Speed up inheritance
Property held in a Lifetime Trust may not need to go through probate, which can significantly reduce delays for your family.
Lifetime Trust or Will Trust?
Compare the different levels of protection and decide which is right for you.
Lifetime Discretionary Trusts
A higher level of protection, but a more involved process. Lifetime Trusts take longer to set up, but are effective immediately.
Ideal for
- Protecting the entire family home
- Acting now, rather than waiting for your Will to take effect
- Receiving ongoing Trustee support throughout your lifetime
Property Protection Trust
A straightforward and affordable way to protect your estate. Protection comes into effect through your Will.
Ideal for
- Protecting your share of the family home
- Ensuring a surviving partner can remain in the home while ringfencing your share
- Preventing sideways disinheritance without making changes during your lifetime
Your questions answered
A Lifetime Discretionary Trust is a legal arrangement where Trustees are made responsible for property or assets on behalf of your beneficiaries. It is implemented during your lifetime to preserve your wealth and safeguard your family home, ensuring your loved ones receive the maximum benefit from your estate.
This type of Discretionary Trust has been used in the UK for hundreds of years and is one of the most valuable and versatile Estate Planning tools available.
Discretionary refers to the flexibility your Trustees have over how and when your estate is distributed. Rather than fixed instructions, your Trustees can determine who among your chosen beneficiaries benefits, how much they receive, and when. This allows them to respond to changing circumstances, such as a beneficiary facing bankruptcy, divorce, or financial difficulty.
We advise including an Article of Wishes alongside your Lifetime Trust to guide your Trustees.
No, the structure of our Lifetime Trust does not avoid Inheritance Tax. It is designed to protect your family home while allowing you to maintain control during your lifetime. For tax purposes, it is treated as a Gift with a Reservation of Benefit (GROB).
No. A Lifetime Trust is a powerful tool when used correctly, but it is designed to meet very specific needs. It is not a quick fix and may not be appropriate for everyone. For most people, it works best as part of a broader estate plan rather than a standalone solution.
A Trustee is an individual entrusted with the control and administration of property or assets held in a Trust, with the legal duty to manage it for the specified purposes.
You can have 2 Trustees, up to a maximum of 4. You, the Settlor, can also be a Trustee.
Almost anyone. Your partner, children, relatives, friends, and even charities can all be named as beneficiaries or Trustees. A Trustee can also be a beneficiary.
Lifetime Trusts must be registered with HMRC. We will register your Trust during the creation process.
Lifetime Trusts can last up to 125 years, but your Trustees can end the Trust early to distribute the assets when appropriate.
Get in touch
We’re here to help you put the right plans in place for the future.
For support with Wills, Trusts, LPAs or Probate, please complete our contact form and we will get back to you as soon as possible.