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A trust can be an extremely effective financial planning tool and essentially is a legal arrangement that lets the owner of something ‘gift’ ownership to someone else, this could include cash, property, shares or a life insurance policy. These arrangements allow the person making the gift (the settlor) to transfer ownership of their assets to another party (the trustees). The trustees hold the assets for either the sole benefit of a chosen person or group of people (the beneficiary) - without giving them access to the assets for the time being.
There are normally three parties involved in setting up a trust:
Everything that is done with the trust assets by the trustees must be in the best interests of the beneficiary.
For further information on trusts, including some key questions and answers, please see our Trust Overview Guide (PDF)
“Great options to plan for inheritance tax or ensure prompt payment to beneficiaries.”