Don’t Let Your Children’s Inheritance Slip Away 🏡💷
16 September 2025 /
Protect Your Family Home and Savings – Before It’s Too Late
Many families worry about what will happen to their home and savings in the future. 🏠
Care fees, remarriage, and family disputes can all chip away at what you’ve worked hard for.
The good news?
You can take action now to protect your legacy and give your loved ones peace of mind. 🌟
The Hidden Risk: How Joint Ownership Can Leave Your Estate Exposed ⚠️
Most couples own their home as “joint tenants.”
This means both of you own the whole property together.
If one of you dies, the survivor takes full ownership.
Simple, right? Not always.
If the surviving partner ever needs care, the entire property and all savings are counted in the social services assessment.
If you have more than £23,250 in assets, you get no financial help.
Only when your savings drop below £14,250 does the state fully pay – and by then, there’s often little left for your family. 😟
Property Protection Trusts: A Simple Shield for Your Home 🛡️
A Property Protection Trust (PPT) can change the game.
First, you “sever” the joint tenancy.
This splits your home into two equal shares.
Next, you update your wills to include trust wording.
When one of you dies, your share goes into trust for your chosen beneficiaries.
The survivor keeps their half and can still live in the house or even move if needed. 🏘️
Here’s the magic: the half in trust is protected.
If the survivor needs care, only their share is counted.
The rest is ring-fenced for your loved ones.
The worst-case scenario? Half the home and some savings might be used for care – but the other half is safe for your family. ✅
To read more about Property Protection Trusts, click here 📖 –
Flexible Life Interest Trusts: Protect More Than Just the House 💡
You can also protect savings and investments.
A Flexible Life Interest Trust (FLIT) puts your assets in trust when you die.
Your partner benefits for life, but they don’t own the assets outright.
When both partners have passed, the trust passes to your children or chosen beneficiaries. 👨👩👧👦
This means your savings don’t get included in the survivors financial care assessment.
It also stops assets from being lost to remarriage, divorce, or poor money management. 💼
To read more about Flexible Life Interest Trusts, click here 📚 –
Trusts for Modern Families: Blended, Vulnerable, and More 👪
Trusts are not just about care fees.
They help blended families make sure everyone is treated fairly.
They protect young or vulnerable beneficiaries.
They keep inheritances safe from divorce or financial troubles.
In short, trusts give you control – no matter how life changes. 🔒
Take Action Today 🚦
Don’t leave your family’s future to chance.
If you want to know how these trusts could work for your situation, contact us by clicking this link✉️ –
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