(one event can change everything)
Not the most exciting conversation we'll have. But without it, a single event can undo decades of careful planning.
Without a trust, life cover proceeds go through probate. They may end up in the estate. They may be subject to inheritance tax. With a trust, they go directly to the people you intended, when you intended.
We do this as standard. There is no good reason not to.
How this fits into your wider plan
Protection connects directly to borrowing, trusts, tax, and your family's future.
Protection is step three for a reason.
Sort the debt. Understand the income. Then make sure nothing can undo the rest.
