Family Asset Protection Trusts | Maple Wills Milton Keynes

Family Asset Protection Trusts+

Protect what you’ve worked a lifetime to build.

Your home. Your savings. Your legacy. The 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, our FAPT+.

How a FAPT+ (Family Asset Protection Trust+) Can Help You

Ways a Family Asset Protection Trust works for your family

Care Home Fee Protection

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 — we’ll always be honest about what is and isn’t achievable for your situation.

Probate Avoidance

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.

Protection from Divorce

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.

Creditor Protection

Should a beneficiary face financial difficulty or insolvency, assets held in trust may be protected from creditors — preserving your legacy even in difficult circumstances.

Remarriage Protection

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.

Generational Legacy Planning

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.

What is a Family Asset Protection Trust+?

✓ 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.

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.

Wishes

Without a Will, when you’re gone your wishes won’t be considered. The legal rules of intestacy take over, which can lead to unintended consequences and cause stress and disagreements among family members. Having a Will gives you peace of mind that your gift will go to your loved ones. It’s a simple way to make sure your wishes are honoured.

Single Wills

A single Will is created by one person and outlines their individual wishes for how their estate should be handled after they pass away. It’s ideal for people who are not in a relationship, or for those who have different wishes from their partner.

Mirrored Wills

Mirrored Wills are two separate but almost identical Wills, usually made by couples. Each person leaves their estate to the other, and then to the same beneficiaries (like children) if both pass away. They’re a popular choice for married couples or partners who share the same wishes.
Mirrored wills are not legally linked — either person can change their will at any time without telling the other. Both types of wills must meet legal requirements to be valid, including being signed and witnessed properly.

About Wills:

Wills

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.