Which Trust is right for me ?

One is not better than the other. They both have different benefits, uses and attractions for different people with differing goals.

An “Immediate Post Death Interest” (IPDI) Trust is written within your Will and comes into effect immediately on the death of the testator. This provides protection for the deceased's share of the property.

An Asset Allocation Trust (AAT) is a legal document created during a person's lifetime that places assets (family home) into a Trust on creation and specifies how it is to be distributed after their death.

• Only suitable for couples
• Trust instructions written within your Wills
• Life tenant becomes entitled immediately upon death of testator
• Useful in scenarios involving second marriages or civil partnerships
• Especially when there are children from previous relationships
• Protects your share of property to pass to your bloodline beneficiaries
• Allows for transfer of Inheritance Tax Allowances
• Protection from third party predators and care fees
• Trust Deed is created after first death

• Suitable for both couples and widowed or sole owners
• Asset (family home) settled into Trust in your lifetime
• Asset held in trust falls out of your estate
• Asset does not form part of beneficiary's estate
• You retain control as a Trustee
• You retain the right to live in the property as a beneficiary
• Protection from third party predators and care fees
• Probate not required (save time and money)

(All subject to deliberate deprivation guidelines)

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