Do I need a trust?
Most people need only a will. A trust becomes worth considering where you have young children, a disabled or vulnerable beneficiary, a blended family, or specific asset-protection or tax-planning goals. Because trusts add cost and ongoing administration, they should solve a real problem — not be set up “just in case”.
Detailed explanation
Ask what problem the trust would solve. Good reasons include:
- Holding money for children until they're old enough.
- Providing for a disabled or vulnerable person without affecting their benefits.
- Protecting children's inheritance in a second marriage.
- Controlling how and when beneficiaries receive funds.
Trusts carry set-up and running costs and have their own tax rules, so take advice on whether one is justified.
A couple with a disabled adult son set up a discretionary trust in their wills so he can be provided for without losing his means-tested benefits — a clear problem a trust solves. Their neighbours, with grown, independent children, simply make straightforward wills.
- Complete the questionnaireA few guided questions about you, your family and your wishes.
- Human reviewYour answers are checked by the ClearLegacy editorial team for completeness.
- Receive your documentsYour will and supporting paperwork are produced, ready to print.
- Sign correctlyClear instructions on signing and witnessing so the will is legally valid.
- Protect your familyYour wishes are recorded and your loved ones are spared the intestacy default.
Sources
- GOV.UK — Trusts and taxes
- GOV.UK — Types of trust
- Trustee Act 2000 — legislation.gov.uk
- Reviewed by
- ClearLegacy editorial team
- Last reviewed
- June 2026
- Next review
- December 2026
- Jurisdiction
- England & Wales
See your estate's risks in 3 minutes.
The free ClearLegacy Estate Risk Assessment flags the gaps that cause disputes, delays and tax.
Check my estate risk