Lifetime Trusts
Protect your assets during your lifetime with a lifetime (inter vivos) trust.
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A lifetime trust allows you to transfer assets into a trust during your lifetime. This can help protect assets from care home fee assessments, ensure they pass to the right people, and potentially reduce inheritance tax. Our specialists will advise on the best structure.
Benefits of a Lifetime Trust
- Assets held outside your personal estate
- Potential protection from care home fee assessments
- Control over how and when beneficiaries receive assets
- Protection from divorce, bankruptcy or creditors
- Flexibility to change beneficiaries and terms
Important Considerations
- Deliberate deprivation rules may apply if assets are transferred to avoid care fees
- Inheritance tax implications of lifetime gifts must be considered
- Professional advice is essential to ensure the trust achieves your goals
Frequently Asked Questions
Can a lifetime trust protect assets from care fees?
A lifetime trust can provide protection, but timing is crucial. If assets are transferred when there is no foreseeable need for care, the trust is more likely to be effective. Transfers made specifically to avoid care fees may be challenged.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.