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Protect Your Estate with a Capital Protection Trust

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Capital Protection Trust

Estate planning can be complicated, and without proper measures, your assets could be vulnerable to unexpected costs, delays, and even sideways disinheritance. One of the most effective ways to ensure your wishes are honored and your family is protected is to protect your estate with a Capital Protection Trust.

What is a Capital Protection Trust?

A Capital Protection Trust is a powerful tool that safeguards your assets—such as your home and savings—from high probate costs, lengthy delays, and unintended beneficiaries. Here’s how it can benefit you:

1. Reduce Probate Costs and Duration

When someone passes away, their estate typically goes through probate, a lengthy legal process that can be expensive. However, by placing your assets in a Capital Protection Trust, they no longer need to go through probate, significantly reducing both costs and waiting times. This ensures your loved ones can access the estate quicker and without losing a significant portion to probate fees.

2. Prevent Sideways Disinheritance

As seen in the story of Anne Aitken, sideways disinheritance occurs when assets end up with unintended beneficiaries, such as stepfamilies, after remarriage. Anne’s father’s estate, valued at £600,000, was meant for his children, but after his wife altered her will, it was left to charity.

By choosing to protect your estate with a Capital Protection Trust, you can prevent sideways disinheritance and ensure that your chosen beneficiaries—like your children—receive the assets you intended for them. The trust protects your estate from being passed to unintended individuals, regardless of changes in family circumstances or remarriage.

3. Ensure Your Wishes Are Honored

Unlike a standard will, which can be contested or altered, a Capital Protection Trust gives you control over how your assets are distributed. You decide who the beneficiaries are, ensuring that your estate is passed to those you want, and no one else. This structure provides peace of mind that your wishes will be carried out as you intended.

Take Control of Your Estate’s Future

To avoid the costly and emotional risks of probate and sideways disinheritance, now is the time to protect your estate with a Capital Protection Trust. At Viva Planning, we help families ensure their assets are secure and their legacy is protected for future generations.