Safeguard your home, your assets and your family's inheritance — with expert trust planning across South Wales.
A trust is a legal arrangement in which assets — such as your home, savings or investments — are held and managed for the benefit of specific people (your beneficiaries). Setting up a trust gives you control over how and when your assets are used, both during your lifetime and after your death.
Trusts are not just for the wealthy. If you own property in South Wales, a trust could be one of the most important steps you take to protect your family's financial future — particularly against care home fees and Inheritance Tax.
The average cost of a care home in Wales is over £800 per week. Without protection, your home — often your most valuable asset — could be sold to pay these fees, leaving nothing for your children.
A Property Protection Trust, written into your will, can ring-fence your share of the family home — ensuring it is preserved for your beneficiaries regardless of what happens after you're gone.
We'll always explain which type of trust best fits your circumstances. Here's a plain-English guide to the most common options.
The most popular trust we set up. A Property Protection Trust (PPT) is written into your will and activates when the first partner dies. Rather than your share of the home passing directly to the surviving partner, it passes into the trust — where it is legally protected.
The surviving partner retains the right to live in the home for the rest of their life. But your share of the property cannot be used to pay care home fees, and cannot pass to a new partner's family. When the second partner dies, the full property passes to your chosen beneficiaries — typically your children.
Who it's for: Homeowners who want to protect their share of the property for their children, particularly where there is a risk of the surviving partner needing residential care or remarrying.
Per person (single will + PPT)
Severance of Tenancy is required if your property is currently held as joint tenants.
Get a Free QuoteA Life Interest Trust gives a named person — typically a surviving spouse or partner — the right to benefit from assets (such as income from investments, or the right to live in a property) for the rest of their life. On their death, the remaining assets pass to the ultimate beneficiaries you have chosen.
This type of trust is particularly useful in blended families, where you want to provide for a surviving spouse while ensuring your children from a previous relationship ultimately inherit.
Who it's for: People in second marriages or blended family situations, or where there is a significant age gap between partners and long-term provision needs to be carefully balanced.
A Discretionary Trust gives your appointed trustees flexibility to decide how assets are distributed among a class of beneficiaries, and when. This is the most flexible type of trust, and is particularly useful where beneficiaries' circumstances may change — for example, if you're unsure how financially responsible a beneficiary will be, or if a beneficiary has a disability or mental health challenges.
Who it's for: Those who want to leave assets to multiple beneficiaries but wish to give trustees discretion over timing and amount, or where protecting means-tested benefits for a vulnerable beneficiary is a concern.
An Asset Protection Trust (also known as a Lifetime Trust) is set up during your lifetime — not through your will — and allows you to transfer assets into the trust while you are still alive. This can offer protection from future care home fee assessments, provided the trust is established sufficiently in advance and there is no deliberate deprivation of assets.
This is a complex area and advice must be taken carefully. We will always give you a clear, honest assessment of what can and cannot be achieved, and ensure that any trust we set up is appropriate and legally sound.
Who it's for: Those with significant assets who wish to take proactive steps to protect their estate during their lifetime, with appropriate professional guidance.
Price on application — complexity varies. Free initial consultation always included.
Request a ConsultationWe make the process straightforward. Our consultants handle all the legal paperwork and explain every step in plain English — at your home, at a time that suits you.
Every trust quote begins with a free home visit. We come to you — anywhere in South Wales — at a time that's convenient, including evenings and weekends.
We visit you at home and discuss your situation, your assets, your family and your goals. We'll explain which type of trust is most suitable and why, in plain language with no jargon.
You receive a written fixed-price quote before anything is agreed. No hidden fees, no surprises. You decide in your own time — there's never any pressure.
For Property Protection Trusts, we first arrange the Severance of Tenancy — converting your property ownership from "joint tenants" to "tenants in common." We handle all the paperwork and Land Registry notification.
We prepare your trust deed and any associated will. You'll receive a draft to review, and can request any changes before finalising. We include a Letter of Wishes where applicable.
We return to witness the signing of all documents. Your trust is legally established and your documents are stored safely — giving you and your family complete peace of mind.
All prices include your home visit, consultation, preparation of all documents and one signing visit. No hidden extras.
Single will with Property Protection Trust. Ideal for homeowners who want to protect their share of the property.
Mirror wills with Property Protection Trust for both partners — full home protection for couples.
For more complex family situations — blended families, vulnerable beneficiaries, or multi-generational planning.
Trusts can feel complicated, but we make them simple. If you have a question that isn't answered here, please get in touch — we're always happy to help.
Speak to an ExpertA professionally prepared will works hand-in-hand with your trust to fully protect your estate.
Learn MoreEnsure someone you trust can manage your affairs if you lose capacity — complementing your trust perfectly.
Learn MoreCombine a will, trust and LPA in one package for complete, comprehensive peace of mind.
View Packages