Understanding Trusts: How a Will Trust Can Protect Your Loved Ones

Thinking about how to protect your family after you’re gone can feel overwhelming. You might worry about family disputes, protecting young or vulnerable relatives, or making sure your money goes where it’s really needed. That’s where a trust in your will can help.

In this post, we’ll explain what a trust is, how it works, and why including one in your will can be a smart move for your family’s future.

What Is a Trust in a Will?

A trust is a legal way to manage money or property for someone else. When you set up a trust in your will, you choose someone (called a trustee) to look after your assets for the benefit of someone else (called a beneficiary).

There are different types of trusts, but two common ones used in wills are:

  • Discretionary Trusts – The trustee decides how and when to give money to beneficiaries. This is useful if the beneficiary is young, struggling with finances, or their situation may change in the future.
  • Bare Trusts – These are simpler. The beneficiary owns the assets but can’t access them until they reach a certain age.

Running through Inheritance tax with a client

How Trusts Can Protect Your Family

Trusts aren’t just about money; they’re about care and protection. Here’s how they help:

  • Looking After Children – If your children are under 18, a trust can hold their inheritance safely until they’re older
  • Supporting Vulnerable Loved Ones – Trusts can provide steady, managed support for relatives with disabilities or special needs, without affecting their access to benefits
  • Avoiding Family Conflicts – Trusts clearly state who should get what, which can help stop disagreements after you’re gone

Divider line with will

Why You Need Expert Help

Setting up a trust properly means getting legal advice. At The Will Shop, we offer drafted wills that include tailored trust planning.

With us, you’ll get:

  • Expert Advice – Our specialist team knows how to make complex legal documents clear and effective.
  • Plans That Fit Your Life – We don’t believe in one-size-fits-all. We listen to your needs and create a plan that works for you and your family.
  • Peace of Mind – You’ll know everything is legally sound, and that your wishes will be followed.

Final Thoughts

A trust in your will isn’t just for the wealthy. It’s a smart, caring way to protect your family, reduce tax, and avoid future problems.

Want to find out more about setting up a trust, or the difference between a trust and a standard will? Get in touch with us at The Will Shop today.