Your home. Your savings. Your legacy. A Family Asset Protection Trust is one of the most powerful, legally sound estate planning tools available, helping you shield your assets and pass on your estate entirely on your own terms. At Maple Wills, check our FAPT+.
Assets held in a properly structured trust may not be assessed in the same way as personal assets when local authorities calculate care funding contributions. Timing and individual circumstances matter. Thus, we’ll always be honest about what is and isn’t achievable for your situation.
Assets held within the trust do not typically form part of your probate estate, meaning they can pass to your beneficiaries more quickly, privately, and without the additional cost and delay of the probate process. For more on probate, see our free Probate and Estate Administration guide.
A FAPT+ can help protect your children’s inheritance from being divided if they go through a divorce, ensuring your wealth stays within your family bloodline exactly as you intended.
Should a beneficiary face financial difficulty or insolvency, assets held in trust may be protected from creditors — preserving your legacy even in difficult circumstances.
If you or your partner were to remarry, assets held in the trust remain designated for your original beneficiaries, preventing unintended changes to your estate distribution.
A FAPT+ lets you plan beyond the next generation, giving you control over how and when assets are distributed, supporting your family’s long-term financial wellbeing for years to come.
✓ No obligation
✓ Free initial consultation
✓ Available in person & online
1 | You — The Settlor Transfer assets into the trust during your lifetime |
2 | The Trust A legal structure that holds your assets, managed by trustees you appoint. Upon the death or passing of the settlors, the trustees retain full control to administer and distribute the assets in accordance with the trust deed. |
3 | Trustees (including you) Oversee the assets on behalf of the beneficiaries — you retain day-to-day control as settlor-trustee. Trustees can also include the settlors’ parents, and beneficiaries may themselves act as trustees. |
4 | Your Beneficiaries — Bloodline Protection Your children and loved ones receive your assets exactly as you intended. This is known as bloodline planning: children, remoter issue (grandchildren), and their remoter issue (great-grandchildren) can all benefit. Crucially, assets pass from one generation to the next with no Inheritance Tax to pay within the trust. |
A Will sets out how you want your money, property, and possessions to be distributed after your death and allows you to appoint guardians for children under the age of 18.
We can’t predict when our time will come to an end. You’ve worked hard every day, putting in the effort to get where you are now. Ultimately, we want to share the results of our lifelong work with our loved ones. Giving the product of our life’s work as a gift is the biggest and best thing we can do – it’s everything we own. It’s crucial to make sure this is done right – by writing a Will.
At MapleWills, we understand the importance of Wills and estate planning. Our experienced and compassionate team is here to guide you through process, ensuring you have a legally sound Will that captures all your requirements .
We’re dedicated to making sure your legacy is preserved as you envision
Don’t wait to protect your family’s future. Contact us today.
At MapleWills, we understand the importance of Wills and estate planning. Our experienced and compassionate team is here to guide you through process, ensuring you have a legally sound Will that captures all your requirements .
We’re dedicated to making sure your legacy is preserved as you envision
Don’t wait to protect your family’s future. Contact us today.
A Family Asset Protection Trust is a legal arrangement designed to help you protect and manage your assets for the benefit of your family. It can provide greater control over how your wealth is passed on and help ensure your assets are preserved for future generations.
If you’ve spent a lifetime building your home, savings and other assets, you may want to make sure they remain within your family. A Family Asset Protection Trust can help you plan for the future and provide protection against a range of potential circumstances, including divorce, financial difficulties and remarriage.
A properly structured trust may help with care fee planning because assets held in the trust may not be assessed in the same way as assets held personally. However, this depends on your individual circumstances and when and how the trust is created. There are no guarantees, so it’s important to take professional advice before making any decisions.
Assets held within a trust do not typically form part of your personal probate estate. This can mean that those assets can be dealt with without going through the usual probate process, potentially making things quicker and more private for your family.
It can provide an additional layer of protection for assets intended for your children. If a child later goes through a divorce, assets held within an appropriately structured trust may have greater protection than assets they own personally. However, the outcome will depend on the circumstances and the way the trust has been set up.
A trust may help protect assets intended for beneficiaries if they experience financial difficulties or insolvency. However, trust protection is not absolute, and the circumstances in which the trust was created can be important. Professional advice should always be taken before transferring assets into a trust.
One of the benefits of careful trust planning is that assets can remain designated for the beneficiaries you originally intended, rather than automatically changing as a result of a future marriage. This can be particularly important if you want to protect assets for children from an earlier relationship.
You can structure the trust to benefit the people you want to provide for, including your children, grandchildren and future generations. This can help you plan how your wealth is passed down through your family over the long term.
No. A Will sets out what should happen to your estate after your death, whereas a trust is a separate legal arrangement for holding and managing assets. A trust and a Will can work alongside each other as part of a wider estate plan.
Not necessarily. The Inheritance Tax treatment of a trust depends on the type of trust, the assets involved and your individual circumstances. It’s important not to set up a trust simply because you expect it to eliminate Inheritance Tax. Specialist advice is recommended.
Yes. One of the reasons families consider this type of planning is to look beyond the next generation. A trust can be structured to benefit children, grandchildren and potentially future descendants, helping you preserve your family wealth over the longer term.
Not necessarily. Trusts can be useful estate-planning tools, but they aren't appropriate for every family or every financial situation. The right approach will depend on your assets, family circumstances and what you want to achieve.
It may be possible to transfer your home into a trust, but there are important legal, tax and practical considerations. Whether this is appropriate will depend on your circumstances, so you should obtain professional advice before transferring your property.
Ideally, trust planning should be considered well before a foreseeable event such as needing long-term care, experiencing financial difficulties or transferring wealth to the next generation. The timing and circumstances surrounding the creation of a trust can be very important.
The best starting point is to look at what you own, who you want to protect and what you want to happen to your assets in the future. A conversation with an experienced estate-planning professional can help you understand whether a Family Asset Protection Trust is appropriate for your circumstances.
Yes. In fact, it's usually the best approach. Every family's circumstances are different, so getting advice first allows you to understand the potential benefits, limitations and implications before making a decision. Maple Wills currently offers an initial consultation with no obligation.