Control and protect your family assets with a Will trust

What is a Will trust ?

A Will trust – also known as a testamentary trust – is created within your will to allow you to protect the property you hope to pass on to your family. Trusts are legal entities that allow someone to benefit from an asset without being the legal owner. You create the trust and appoint a person to manage it – the ‘trustee’. The trustee manages the trust on behalf of the ‘beneficiaries’ – those who receive the income of the trust. Establishing trusts can give you an element of control over assets you wouldn’t have if you gave them away outright.

There can also be tax advantages, but that should never be the main reason for setting one up. In some cases, you could end up paying more tax by putting assets into the trust. Trusts can be complicated structures with tax implications, and you should always seek legal advice before setting one up. There are two main types of trust that you might choose to set up: a Will trust, created upon your death, or a Lifetime trust, which you establish during your lifetime. We can explain the pros and cons of both to ensure you have the protection, control and peace of mind you require.

Will Trust and Health and Welfare LPA + Property and Financial LPA Package: £1,250 per couple
( Online Instruction Only, LPA = Lasting Powers of Attorney )


Contact us here to book your online consultation today.

Claims under the inheritance act on the rise

Claims are also granted decades after the deadline

It is a common mistake that people believe that a claim under the Inheritance (Provision for Family and Dependants) Act 1975 can only be brought within 6 months of the Grant being issued. This is not the case! The actual position is that a claim can be brought at any time (even before Grant) but if the claim is to be issued after 6 months, the courts permission is required first.

Historically, the courts have been slow to grant permission after 6 months (the guidance comes from a case called Re Salmon (1981)) which has led people to mistakenly believe that the 6 months deadline is an absolute cut-off date. This is NOT the case and there have been a number of recent cases which have reached High Court where the permission to issue a claim has been granted many years after the 6 month permission deadline …

Most recently was the case of Bhusate v Patel & Others (2019), where the High Court granted the permission to bring a claim under the Inheritance Act – despite it being issued OVER 25 YEARS after the deadline for doing so.

In brief:

The deceased died in 1990, aged 72 and a claim was issued 25 years and 9 months after the time limit.
The claimant was the third wife of the deceased and had one child together.
The deceased previously had 5 other children from his first wife who sadly passed away in 1971.
The estate (which was comprised of the deceased house) was valued at £135,000 at the time of death, however the current value is in the region of £850,000

This type of situation isn’t uncommon – modern family structures are making inheritance claims increasingly likely. There is no surprise that more claims are made late and there has been a trend of cases which have been brought to High Court long after the time period has elapsed:

Sargeant v Sargeant (2018) – claim granted after 10 years
Lloyd v Ayres (2018) – claim granted after 9 years
Moffat v Moffat (2016) – claim granted after 18 years
Berger v Berger (2013) – claim granted after 6 years

Do these judgements suggest a move towards a more relaxed attitude by the courts to give permission to issue claims long after the 6 month deadline has passed? It appears so. It is important to note that the Courts have complete discretion when deciding whether to give permission to issue an Inheritance Act claim. Many of these claims start with enquiries about greater provision but often then turn to the validity or otherwise of the Will too, which then calls into question the way the Will was prepared and executed.

There is no time limitation for those challenges. Either way, the importance of a robust Will file has never been greater, as a claim can arise at any time, long after the 6 month time frame. Claims are costly and risky for an individuals intended beneficiaries , so other solutions are needed to protect the individuals wishes.

A Will may also not be enough to support and ensure that the individuals intentions are met in full. The reality is that an individuals Will may well be declared invalid if poor notes are kept and the Will is later challenged. The solution is a Will Clarity Statement , it will record all notes and explore and detail the who, the why, the when and the how, within the intended wishes of the individual.


U-PLAN can write your Will and offer you and your chosen beneficiaries, the protection of a Will Clarity Statement – contact us here to arrange your free consultation. 

Why you need a Will Clarity Statement

Why writing a Will may not be enough

  • One In Four people would mount a legal challenge against a loved ones Will
  • Complex relationships often mean that relatives and dependants are left feeling disappointed with what they inherit
  • Estate values can be depleted by court fees or even wiped out

With todays ‘modern’  lifestyle, the increase in divorce rates, remarriage and cohabitation, together with families living further apart leading to more complicated family structures, means the need to make a Will has never been greater.

However, more complex relationships can often mean that relatives and dependants are left feeling disappointed with what they inherit. A typical example of this is intergenerational lending, perhaps a parent loaning money to one of the children to enable them to get on the property ladder now becoming common place. This can lead to disagreement on the death of that parent as to how the other children or step children are treated.


Its my money and so its my decision who gets what

When we decide WHO we want to benefit after we pass away, we naturally think of those closest to us and who we have an active relationship with. In English Law, the basic principle is that of  ‘testamentary freedom’ which means that people are able to leave their property to whomever they choose in their Will regardless of family connections.


Surely, all I need to do is write a Will that reflects my choices?

Ideally yes, however with the increased complexity of modern family structures, more people having a sizable estate to pass on can mean that it feels there is something worth fighting for, particularly at a time when emotions are running high. As a direct result of this, the legal industry is seeing a growing number of cases where people are seeking legal remedy from being left out a Will entirely, or receiving less than they expected as a deliberate act on the part of the deceased.



A growing ‘compensation culture’ and people becoming more aware of their legal rights from stories and articles in the media and the ability to bring a claim if there is something they see as unfair or amiss, means more of an incentive and appetite to challenge a Will. The number of inheritance disputes reaching the high court each year has soared to a record high, a trend that lawyers put down to intricacies of modern family life and rising property prices.

A recent survey by Direct Line ( cited in our last post) revealed that one in four people would mount a legal challenge against a loved ones Will if they were unhappy with it.

With more and more people relying on an inheritance to get on the property ladder or to provide for them in retirement, when someone is left out of their Will, or stands to inherit less than they were expecting, this can trigger a dispute and lead to a potential claim,

If the claim was successful, this could mean that those you specifically wanted to inherit from you could end up losing out, or even if the Will was upheld, the cost of the fees involved in the claim could seriously reduce the size of your estate, or wipe it out entirely.


Its all about the “Why?”

Writing a Will can be a tricky but trying to understand a loved ones Will after their death can be agonising for some.  Not being able to understand the reason “why” a decision was made, can lead to the Will being contested. People can be surprised and hurt by the contents of a Will.

The problem is that a Will only details “what” you want to happen to your property after you have gone, but does not go into the reasons “why” you want your assets to be disposed of in this way. Obviously, you will not be there in person to explain or defend your decisions which could mean your voice would go unheard against that of the person contesting the Will.

At the time of drafting your Will, you may be confident that a claim would not be made however, it is worth remembering that it is the situation at the time of death that is important and not the situation today.


So, what can be done?

Your wishes and reasoning for the terms of your Will are relevant and need to be given suitable weight. Its clear that its of equal importance to both accurately record all events during the instruction taking process and retain these along with the Will, in order to be able to fully respond to nay potential future claims and so protect your wishes.

Many companies rely on simply making notes when taking a clients Will instructions and store these with the Will file in case of need at a later date. Unfortunately though, these notes may be insufficient, go missing, or their meaning lost in translation with the passing of time. In direct contrast to this, we offer both Will Clarity & Execution statements which are totally unique to the legal industry.


What is a Will Clarity Statement?

A Will Clarity statement is something that every Will Writing company or Solicitors firm should be offering their clients when drafting their Will.  Not only does it explain the WHY behind your wishes but it also includes the WHERE, the WHEN, the HOW and the WHO.

In simple terms,  it is a statement written in plain English, setting out your wishes for the distribution of your estate on death but more importantly, the reasoning behind your decisions and the surrounding circumstances. This is automatically compiled with the information provided throughout the entire instruction taking process, ensuring that nothing is missed. The Will Clarity statement is then read, agreed, signed and stored with the Will for safekeeping.

The purpose of the Will Clarity statement is to provide guidance to your executors, trustees and family members after your death, making clear exactly what your wishes are and setting out your thought process at the time of making the Will, speaking out where a Will cannot. A Will Clarity statement can be crucial in helping to manage family and loved ones expectations, whilst deterring any potential claims against the Will.


The Will Execution Statement

For a Will to be valid there are three main formalities which need to be observed.

  1. The Will must be in writing.
  2. The Will must be signed by the Testator.
  3. There must be 2 independent witnesses who attest to the testators signature.

Not only does the Execution statement record the above it also reaffirms that the instruction taker is satisfied that your capacity was not in doubt at the time of execution.


Don’t leave it to chance

Unfortunately Wills can and will continue to be challenged by those who have been cut out or not left as much as they felt they should have been. When deciding who you want to benefit under your Will, it is necessary to carefully consider the possibility of such a challenge after your death.


U-PLAN can write your Will and offer you and your chosen beneficiaries, the protection of a Will Clarity Statement – contact us here to arrange your free consultation. 





1 in 4 adults prepared to challenge Wills.

A quarter of adults are now prepared to dispute a Will

1 in 4 people are willing to challenge against a loved one’s Will if they disagree with the distribution
of the estate, a survey reveals.
(Survey commissioned by Direct Line)

The problem –

The readiness of family members to oppose a relative’s last wishes is reflected in official court
statistics, which show Will disputes are continuously on the rise.
Partner at law firm Nockolds, Daniel Winter, has previously stated that the increased number of
inheritance cases reaching the High Court is only the tip of the iceberg of family disputes which are
either settled or end up in County Court.

He says: “Modern family structures are making inheritance claims increasingly likely. People are more likely
to marry multiple times, or cohabit outside of marriage, and if there are children or stepchildren
involved, the likelihood of someone feeling hard done by is even greater than before.
More people are relying on an inheritance to get on the property ladder or to provide for them in
retirement, or to repay their mortgage. If someone is left out of a Will, or stands to inherit less than
they were expecting, this can trigger a dispute”

The most common legal reasons for contesting a Will are:

  •  Undue influence – where the client was forced to sign a will or unreasonable pressure was
    put on them
  • Lack of knowledge and approval – where the client was not aware of the contents or there
    were suspicious circumstances
  • Testamentary capacity – where the client wasn’t mentally competent or had the legal ability
    to make or alter a Will
  • The reality is that a client’s Will may well be declared invalid if poor notes are kept and the Will is
    later challenged.
  • Unfortunately, a client’s Will only really describes WHAT they wish to do with their estate, and
    doesn’t include any of their deciding factors, circumstances surrounding the Will drafting and
    execution or their mental capacity, which will be questioned if a claim arises.


Contact us here to find out how we can help comprehensively minimise inheritance disputes, when writing your Will. 

Lasting Powers of Attorney required for Income Drawdown Pensions

About 1.7 million retirees could be at risk of a later life financial crisis by 2025 becuase they have not set up a Lasting Power of Attorney (LPA), a provider has warned.


According to Zurich, four in five retirees (79 per cent) in pension income drawdown are without power of attorney, meaning their families could be prevented from helping them manage their finances should they become too ill or incapacitated to do it themselves.

Setting up LPA means giving a family member or friend the legal authority to make decisions on an individuals behalf at the loss of a person’s own ability, for instance when they lose mental capacity.

Zurich interviewed 742 people who have moved into income drawdown since the pension freedoms, between December 2017 and January 2018.

It found more than 345,000 retirees using drawdown to fund their retirement have not set this facility up for themselves, equating to a potential 1.7 million over the next 10 years.

The outcomes could be drastic, with next-of-kin individuals forced to apply to the courts to take charge of a relative’s finances should they fall ill.

Zurich said the problem was exacerbated by the pension freedoms, which meant twice as many people are now choosing income drawdown over annuities, giving them the responsibility of managing their income in retirement.

A spokesman at Zurich commented: “Thousands of people are now making complex decisions on their pension into old age, when the risk of developing a sudden illness or condition such as dementia increases”

“Despite this, many are unprepared for a sudden health shock or a decline in their mental abilities. The time to set up a LPA is well before you need it, and pension providers should be highlighting this to their customers.”

According to the Alzheimer’s Society, there are 850,000 people currently living with dementia in the UK. This could increase to one million by 2025, and potentially double to two million by 2051.

Despite this, Zurich found a mere one in five (21 per cent) people who have moved into income drawdown since the pension reforms were introduced, have registered an LPA.

However, it did find that people with a financial adviser were almost four times more likely to have an LPA than those who had not sought advice (66 per cent vs 17 per cent).

A spokesperson at The Alzheimer’s Society indicated the stigma around the LPA was compounded by its links to mental capacity, as individuals are generally reluctant to consider a future where they may not be able to make their own decisions.

But she said: “In cases where LPAs are not in place, assets and equity may be lost, or those in a vulnerable position may be forced to make decisions they are no longer able to make.”

“We need to get to the stage where a LPA is taken out as a standard practice, with financial services advising people to do this as early as possible.”

There are two types of LPA, one covering health and welfare and the other covering property and financial affairs.

Both types of LPAs are extremely important, as whilst it’s possible to get a deputyship after the event, it is impossible to manage a pension income drawdown strategy where the pension holder has lost capacity, without a LPA in place.


Contact us here to discuss how we can help set up your Lasting Powers of Attorney



More than 5 million adults ‘ Perplexed by Wills’

New research by Royal London has revealed that 5.4 million adults without a will in the UK would not know where to begin if they were to write one. 


The data also showed that 59% of parents either do not have a will, or currently have one that is out of date.

Royal London says it is “especially important” for parents to have an up to date will so that if the worst were to happen, their children would be brought up by who they choose.

The research also found that since writing a will just under a third (31%) experienced a “significant life event” such as marriage or having a baby, yet more than half (53%) have not updated their will.

Royal London says that many people do not realise that if they were to marry, any previous will is automatically invalidated and is no longer of any value, “so it’s vital that wills are reviewed and kept up to date.”

More than half (54%) of the adult population do not have a will in place.

Of those who do not have a will one in four (24%) admitted they had no intention of making one, compared to a third (34%) who said that an illness would encourage them to do so.

Using the services of a solicitor is the most popular way of writing a will, with two thirds (68%) using legal assistance.

A spokesperson for Royal London commented: “It is incredibly important to have a will, not just to protect your finances but to make sure vital decisions, such as who will look after your children, are noted.”

“Once you have a will you should update it after any significant life events that could affect your financial situation such as getting married, divorced or starting a family”

“Taking these important steps allows you to have peace of mind knowing that when you’re gone your wishes will be met.”


Contact us here to discuss how we can help professionally write your Will.


Lasting Powers of Attorney – Investigations into Attorneys and Deputies up 45%

Investigations into the actions of attorneys and deputies appointed under the Lasting Power of Attorney (LPA) procedure soared by more than 45% in the past year, figures have revealed.


According to figures from the Office of the Public Guardian (OPG) 1,729 investigations into the actions of attorneys and deputies were carried out in the 2017/2018 financial year – up from 1,199 the previous year. The Office of the Public Guardian (OPG) is a part of the Ministry of Justice (MOJ) responsible for administering LPA’s.

The figures were published after a FOI request by pensions and investment firm Royal London. The company had noted a rise in ‘DIY and online submissions’ for LPA’s, potentially leaving people at risk of attorneys making mistakes or, ‘in the worst cases, abuse’. Royal London has called for more information and education on what duties and powers individuals can and cannot do under a power of attorney.

Helen Morrissey, personal finance specialist at Royal London, says: “When done properly, the attorney fulfils a vital role in safeguarding the interests of the person they are acting for. However, the sheer number of investigations into the actions of attorneys is concerning and action needs to be taken to curb poor practice.”

She adds: “While there have been instances where people appointed as attorneys have used their position to steal money from the person they are acting for, there are also instances where the attorney has unwittingly stepped beyond the boundaries of their responsibilities or have neglected to keep up to date records explaining what they have done and why. People taking on these responsibilities need clearer guidance on what they can and cannot do.”

While many mistakes may be innocent, the Office for the Public Guardian has the power to suspend attorneys and deputies if it suspects foul play. In the most serious cases attorneys have been jailed for their actions.

LPA agreements allow ‘attorneys’ – often a person known to the individual setting up the LPA (the ‘donor’), to manage their health & welfare and property &  financial affairs should they lose the mental capacity to do it themselves. If an LPA is not agreed by the time a person loses mental capacity, deputies are appointed by the Court of Protection, which is usually an expensive and lengthy process.

Creating a LPA without expert legal advice could result in thousands of pounds of costs later down the line to rectify mistakes and leave people susceptible to financial abuse. Involving a legal expert in the process of creating and registering an LPA ensures that the donor’s best interests have been accounted for. It also ensures that a donor has considered all options and if necessary, put in protection clauses in the LPA. This specialist approach can minimise bad practice and improve desired outcomes for those individuals at risk from incapacity in the future.


Contact us here to book a no obligation consultation to discuss your LPA requirement’s .


Why are more Wills being contested?

There has been an increase in the number of Wills being disputed by family members. Why is this happening and what can you do to try to ensure your assets to go where you want them to?


A death in the family can either bring a family closer together or tear it apart.

English law allows testators (people who make a Will) to make a Will leaving their worldly goods to whomever they chose, whether this be family members, friends or a charity.

Over the last couple of years, there has been a rise in the number of claims being brought by disappointed family members under the Inheritance (Provision for Family and Dependents) Act 1975.

This Act enables certain categories of people to make a claim against an estate on the basis that the deceased’s Will (or the intestacy rules if the deceased died without making a Will) fails to make reasonable financial provision for them.


There are several reasons behind this increase:

Illot v Mitson

First, in March 2017 the Supreme Court handed down its high profile judgement in Illot v Mitson. This case was the subject of many column inches in the national press.

It was a case about a mother and daughter who had been estranged for 26 years. When the mother died, she left her estate to three animal charities and nothing to her daughter. Her daughter brought a claim under the Act, arguing that the Will failed to make reasonable financial provision for her maintenance.


Concept of maintenance

Claims under the Act by non-spouses revolve around this concept of maintenance. Broadly speaking, maintenance means payments to meet the claimant’s recurring daily living expenses. In considering a claim, the Judge must consider and regard the claimant’s financial needs, as well as those of the beneficiaries.

Contrary to popular belief, the Act is not designed to hand out windfalls or to undo what a disappointed child may perceive as a grave injustice of being left out.

Despite how it was widely reported in the press, Illot v Mitson did not really create new law – instead it applied the Act to the very specific facts of that case.

The claimant and her husband had a minimal income and were dependent on state benefits. They had five children. They resided in a housing association property. Because her financial position was so dire, her claim succeeded. Had she been financially independent, she almost certainly would not have done so.

While Illot v Mitson had not set the precedent that was widely reported in the press, what it has done is raise public awareness of the existence of the Act. This in turn has led more people seeking legal advice and an increase in the number of such claims being issued.


Complex families

Secondly, we now live in a society where modern families are more complex. Second marriages are increasingly common, which creates a tension between the new spouse, the testator’s children from their first marriage and the testator’s stepchildren.

The Act enables not only children to make a claim but also spouses, civil partners, co-habitees, people treated as a child of the family and any other person who was being maintained by the deceased. Ultimately it is for the testator to do whatever they like with their estate, but careful drafting is needed to address those tensions and being mindful of a potential challenge under the Act.


House price rises

In addition, property prices have increased exponentially over the last 20 years, meaning that even a modest house is now worth a considerable amount of money. This can create certain expectations within families of what people are likely to receive.

When there are sizeable assets at stake, people will invest money to pursue a claim in the hope of receiving a bigger share of the estate. Claims under the Act necessarily come at a difficult time, following the loss of a loved one, and the stress and costs of litigation at this vulnerable point can lead to settlements – even of cases without enough merit.


Preparing your own Will (DIY Will)

Furthermore, the proliferation of the internet and the temptation to prepare your own Will using an online toolkit without the benefit of a legal professional can also lead to a testator’s true intentions not being conveyed. Again, this can spark dispute if someone has been told one thing, but the actual Will does not achieve that end.

Finally, there is the human factor. Many probate disputes are about much more than dividing up the financial assets. A death can cause all manner of historically held grievances within a family to be aired, which entrenches positions and further increases the likelihood of a claim being made.


Minimising the risk of Will disputes

So, what can a testator do to try and minimise the risk of their estate being fought over by family after they have gone? Having difficult conversations to manage expectations is a good starting point – if someone knows that they will not be inheriting a significant sum and the reasons for this, they are less likely to contest this decision than if this later comes as a nasty surprise.

If that is a conversation that cannot be had, the testator can explain the position in a letter of wishes. This document is not legally binding but gives the testator the opportunity to speak from beyond the grave and explain the reasoning behind their decisions. Such a letter may make a disappointed family member think twice before challenging a Will.  Using a professional Will writer to write your Will helps avoid undesired future outcomes and helps protect against any potential disputes on your assets and estate.


Contact us here to discuss how we can professionally write your Will.



How can I protect my children’s inheritance?

Without the correct ‘Bloodline Planning’ :

• Your spouse/partner and children may not inherit your share of a business

• Some or all of your children’s or grandchildren’s (Bloodline’s) inheritance may be lost

• Assets distributed to beneficiaries exposes those assets to risk


Assets not protected by a Trust face attack from :

• The divorce or separation settlements of future generations

• Creditors or bankruptcy claims

• Further inheritance tax bills


How can I protect my children’s inheritance ?

Or more commonly known as ‘Bloodline Planning’

‘Bloodline Planning’ is ensuring that your assets reach your children, grandchildren and other relatives, rather than ending up in the wrong hands.

When assets are distributed to beneficiaries, (ie they receive cash, property or others assets as a direct lump sum payment) so much can be lost. These assets are then considered to be part of the Beneficiary’s estate and be would be at risk of attack from any future Divorce Settlements, Creditors and Taxation.

U-PLAN can ensure that your children and grandchildren are able to benefit completely from the inheritance you want them to receive and at the same time, protect the family home and other assets from being lost to the costs of long term care.

Consideration should be given to what might happen if your surviving spouse were to remarry. How would this effect your own children if he/she later changed their Will in favour of the new spouse and any subsequent children?

Or, for those of you who already have children from a previous marriage, how do you ensure that they would get their fair share?

What if your children are very young or have special care needs? How can you ensure that they are fully provided for?

There may also be a business you have worked hard to build up. Logic and common sense say you would want to protect this for your family too?

Do you really want to leave it all to chance, when with our professional help to set up the correct type of planning – all these problems could be solved?

Our expertise will ensure that your assets are both fully protected from attack and immediately available to your loved ones after you are gone.


Asset Planning in your lifetime

Some estate planning can be made whilst you are alive. Assets could potentially be gifted to Beneficiaries before your death. The could prove extremely tax efficient in terms of Inheritance Tax, as assets gifted away are fully outside of the Donors estate seven years after the gift is made.

However, rather than gifting assets absolutely, as this would mean that these assets will again be potentially at risk from Divorce, Creditors and Long Term Care Costs, as well as adding value to the recipients estate, it would be sensible to consider gifting with the aid of Discretionary Trusts. The Discretionary Gift Trust means that, although you make a Gift to your children and grandchildren, the asset need not enter their own estate; thus protecting these assets from any possible claims on them in the future.

By Gifting to a Trust, the Donor retains full control but, can not have access to the funds.
Even if the Donor never received any benefit, but potentially could, the Gift is classed as a ‘Gift With Reservation Of Benefit’ (GWR) and the full value is deemed to be in the Donor’s estate at death for Inheritance Tax purposes, not just the initial Gift. The Gift Trust ensures that a spouse, children, grandchildren and any other named Beneficiaries can benefit at the Trustee’s discretion.


Access to protected assets

We recommend a Discretionary Trust called a probate trust which, while still protecting assets from attack from Care Costs, allows the Settlor access to the assets held in the Trust. The trust has a memorandum of wishes where the Settlor is also a Beneficiary. The purpose for utilising this Trust will be for ‘ Bloodline Planning’ and not Inheritance Tax Planning, as a transfer of asset by the Settlor would be a GWR.

The main uses for a Family Probate Trust are the assignment of investment bonds to ensure it will pass to those intended without the need to wait for Probate. In addition, for a single/widowed client, a proportion of the main residence can be conveyed into our Probate Trust, which can protect the house from the costs of care. Individual advice would be required as to whether this is an appropriate course of action.


Utilising Trusts for ‘Bloodline Planning’ 

It has been established that your children/grandchildren future inheritance can be at risk from a number of issues. Taxation is one, but inheritances can be impacted from a number of other more emotional issues such as Care Costs, where an estate can be reduced significantly in value to pay for these costs. Family homes may have to be sold, and income and investments drained, seriously reducing any subsequent inheritance.


Family circumstances can also be a concern

It my be that there are some family members you would wish to benefit and some that you would not. A classic scenario would be an individual who has married into the family, but who you wouldn’t want to benefit from your estate. Family disputes do occur and Divorce and/or Remarriage can greatly influence who inherits and by how much.

Subsequently, if on inheriting monies, an individual then divorces, that same inheritance is at risk.
Similarly, if an individual inherits assets but then is later subjected to bankruptcy proceedings, or has creditor liabilities, then the whole inheritance is at risk.

The correct Trusts can provide the protection and control of a multitude of assets from those risks noted before. This protection can extend from the family home, to investment products and family businesses.

There are two potential scenarios where planning can be made with Trusts. One is during your lifetime and the other is in preparation for your death. We can utilise a range of Trusts in conjunction with the Will, which will ensure that your hard earned assets are fully protected for your children and grandchildren. By its very nature, this type of planning is wholly dependant on your individual wishes, requirements and the value of your estate.


Contact us here to discuss how we can help with Bloodline Planning.


U-PLAN has changed office address.

U-PLAN has changed its operational office address. After enjoying our time in Wilmslow, we have moved into brand new offices in the Cheshire town of Poynton. Our clients can come in and meet with us in the new offices, or continue to benefit from free home visit consultations.

Click here to book your free office or home consultation.