weebly statistics
Wednesday, March 29th, 2017
Product Image

Estate Planning

Why allow your home and hard earned assets to be lost, when some simple planning will ensure that they are fully protected so that your loved ones recieve their rightful inheritance.


How can I protect my children's inheritance?


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 "absolutely" (ie. they recieve cash, property or other 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 would be at risk of attack from and future divorce settlements, creditors and taxation.

With the strategic use of trusts we can ensure that your children and grandchildren are able to benefit completely from the inheritance you want them to recieve and at the same time, protect the family home and other assets from being lost to the costs of Long Term Care.

Have you considered what might happen if your surviving spouse were to remarry? How would this affect 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 have already have children from a previous marriage how do you ensure that they would get their fair share?

Do you really want to leave it all to chance, when our professional help to set up the correct type of planning all these problems can 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.


How do I protect my home and assests from care costs?


Most of us work very hard over the years to buy our own homes and build up our savings for our retirement and would like to leave a "little something" for our children and grandchildren after we are gone.

Unfortunately, the costs involved in moving into a Care Home can literally wipe out your entire savings and your home may have to be sold to pay for care fees. This could mean that your loved ones could recieve very little, or even nothing at all of what you originally intended them to have.

When someone enters care they are automatically "means tested" and ALL of your assets, including your home are taken into account. Only those who have very few assets will escape the costs of care.


So what can be done?


Firstly it is important to safeguard your home and the first step is to look at the way you currently own your home.

The majority of people own their homes Jointly which means that on first death, the survivor would then own 100% of the full property value and this is when your house becomes vulnerable to attack from Care.

By simply changing the way you own your home to what is known as Tenants In Common, combined with the appropriate Trust planning, will effectively ensure that your property is fully protected should either of you enter care.

So what about my other assets- my bank accounts and savings?

Once again, by changing the way your assets are invested and held, can ensure that your cash or liquid assets are also fully protected from Care.

Contact us to make sure your assets are adequately protected on: 01332 362367 or email:

24-28 St Peters Churchyard, Derby, Derbyshire, DE1 1NN, Tel: 01332 362367 

Copyright © 2010. All Rights Reserved | Designed and powered by JDR Group Web Design