Explore Your iTrust Recommendations
Your planning may include one or more iTrust solutions working together. Use this page to revisit the iTrusts discussed during your planning meeting, understand what each is designed to do, and see how it may fit into your wider plan.
iTrust ParkShield →
iTrust Home Shield →
iTrust Global Shield →
iTrust Care
Later-life planning with your family’s future in mind
iTrust Care is designed for individuals and couples approaching later life who want greater certainty around how their family wealth will be managed in the future.
It provides a structured approach to later-life estate planning, helping you balance the security of those closest to you with your wish to preserve an inheritance for children and other beneficiaries.
What iTrust Care focuses on
-
The structure is designed to continue beyond death, so there is already a clear framework for managing and passing wealth to the people you have chosen.
-
Item description
-
Item description
-
Item description
How this helps you
Security for those closest to you
Your planning can take account of the needs of a surviving spouse or partner while also considering the inheritance you ultimately want to preserve for your children or other beneficiaries.
A more protected inheritance
Rather than inheritance necessarily passing outright with no ongoing structure around it, trust planning can allow assets to be managed responsibly for beneficiaries over time.
Planning that can be reviewed
Later-life circumstances can change. Your wider estate planning, including your Will, Letters of Wishes and trust arrangements, should be reviewed periodically so it continues to reflect your family and priorities.
iTrust Care FAQs
-
No. iTrust Care is not designed to avoid care costs. Its purpose is to provide responsible later-life estate planning and a structured approach to protecting and managing family wealth. Any arrangements must operate within the relevant legal rules surrounding care assessments and asset ownership.
-
An outright inheritance becomes part of the beneficiary's own financial affairs. Depending on their circumstances, this can leave inherited wealth exposed to issues such as divorce, financial difficulties or poor financial decisions. A trust allows trustees to manage assets in accordance with the trust terms.
-
Yes. The planning can take account of the needs of a surviving spouse or partner while also considering the longer-term inheritance intended for other beneficiaries.
-
The appointed trustees are responsible for administering it. Depending on the structure, family trustees may work alongside professional trustee support to provide experience, continuity and independent oversight.
-
Your estate planning can and should be reviewed. Changes in your family, finances, legislation or priorities may mean that Wills, Letters of Wishes and associated arrangements need updating.
iTrust Legacy
Keeping family wealth protected beyond the first inheritance
iTrust Legacy is designed for families who want their wealth to continue benefiting future generations rather than simply passing outright from one person to the next.
It provides a framework through which property, savings, investments and other family assets can be managed for children, grandchildren and later generations while allowing trustees to respond to changing family circumstances.
What iTrust Legacy focuses on
-
Assets held within the trust are managed by trustees rather than simply passing outright to beneficiaries. This can provide additional protection against risks such as divorce, financial difficulties, creditor claims or poor financial decisions.
-
Trustees can decide when and how beneficiaries receive support, allowing wealth to be used responsibly rather than everything having to be inherited as one outright payment.
-
The trust can continue over time, allowing family wealth to support not only children but potentially grandchildren and later generations as circumstances change.
-
Item description
How this helps you
Inheritance does not have to stop at one generation
Instead of planning only for the person who inherits next, a trust can provide a framework through which family wealth continues to support subsequent generations.
Protection when circumstances change
Assets held within a trust can be managed differently from assets owned personally by a beneficiary, providing an additional layer of protection if circumstances such as divorce, bankruptcy or financial difficulties arise.
Trustees can respond to individual needs
Different beneficiaries may need support at different times. Trustees can make decisions in accordance with the trust terms rather than relying on one fixed distribution for everybody.
iTrust Legacy FAQs
-
No. The important issue is whether you have family wealth that you want to preserve and manage responsibly over the longer term. Estate size is only one consideration.
-
No. The purpose is not to prevent your family from benefiting. Trustees can provide support and make distributions while maintaining an appropriate structure around the remaining assets.
-
Yes. Multi-generational planning is one of the main purposes of iTrust Legacy. A trust may support children, grandchildren and other beneficiaries over a longer period.
-
Depending on the planning recommended, this could include property, savings, investments, insurance proceeds and other family assets.
iTrust Family
Financial protection for your children if the unexpected happens.
iTrust Family is designed primarily for parents and younger families who want to make sure children and dependants have financial support if something happens to them.
Life cover sits at the heart of the planning, with a trust structure providing a way for funds to be managed responsibly for children's upbringing, education, housing and future needs.
What iTrust Family focuses on
-
-
-
-
Item description
How this helps you
Money available when your family needs it
Appropriate life cover can provide financial support following a parent's death, helping the family meet costs at what could otherwise be a financially difficult time.
Support for whoever cares for your children
Trust funds can be managed for children's benefit and, where appropriate, used to help with costs such as housing, education and everyday support.
Children do not have to manage everything themselves
Rather than a substantial amount automatically being placed directly under a young person's control, trustees can manage the money and apply it in accordance with the trust and your wishes.
iTrust Family FAQs
-
Where an appropriate policy is written in trust, the proceeds can generally be paid to the trustees rather than being dealt with as part of the policyholder's wider estate administration. This can help make funds available to support the family sooner.
-
Your existing policy should be reviewed. Whether it is already in trust, can be assigned to a trust or whether different arrangements are more appropriate will depend on the policy and your circumstances.
-
The trustees. Their role is to manage the trust funds and use them for the beneficiaries in accordance with the trust terms.
-
Yes, where permitted by the trust. Funds can potentially be used to support children's housing, education, living costs and other appropriate needs.
-
Not necessarily. One of the reasons for using a trust structure is to provide a more controlled approach to managing significant sums for young beneficiaries.
iTrust Business
Protecting business ownership and planning what happens next.
iTrust Business is designed for business owners whose company shares, business property or retained business value represent an important part of their overall family wealth.
Its focus is on ownership and succession: creating greater certainty around what should happen to those interests if the owner dies or can no longer manage their affairs.
What iTrust Business focuses on
-
-
Item description
-
Item description
-
Item description
How this helps you
A succession plan rather than uncertainty
Your planning can set out a clearer framework around who should deal with your business interests and how they should be managed.
The business is considered alongside your family wealth
Shares and commercial assets often represent a significant proportion of an owner's estate. Business planning allows them to be considered alongside your personal estate planning rather than separately.
Less disruption if something happens to you
Clear ownership, trustee and succession arrangements can make it easier for those involved to understand what is expected and how your interests should be dealt with.
iTrust Business FAQs
-
Yes. Company shares, business property, retained value and other commercial interests can all be relevant when considering an owner's overall estate.
-
No. The principal focus of iTrust Business is ownership, protection and succession, rather than unnecessarily changing the day-to-day management of the company.
-
That can be considered within the succession planning. Depending on the business and your wishes, the appropriate future outcome may involve retaining, transferring or ultimately selling particular business interests.
-
Yes. Your Will, LPAs, shareholder arrangements and business succession planning should be considered together so that the different parts of your plan complement rather than contradict one another.
-
Business Relief may be relevant to some business owners, but eligibility is not automatic or guaranteed. It depends on the business, assets and rules applying at the relevant time. Tax or accountancy advice may therefore be needed as part of the planning.
iTrust Dynasty
One long-term framework for complex family wealth.
iTrust Dynasty is the broadest multi-generational solution within the iTrust range.
It is designed for families whose wealth involves several different elements — such as property, investments, businesses, multiple family branches or international considerations — and where a longer-term governance structure is required rather than planning around one particular asset or one generation.
What iTrust Dynasty focuses on
-
-
-
-
Item description
How this helps you
Different assets can form part of one strategy
Property, investments, business interests and other significant family assets can be considered as part of the same overall planning rather than each being dealt with independently.
Different generations can be considered together
The structure is intended to provide continuity beyond children alone, allowing longer-term planning for grandchildren and later generations.
Clearer governance for a complex estate
Trustees provide ongoing management and can follow the principles set out within the trust and your Letter of Wishes as family circumstances develop.
iTrust Dynasty FAQs
-
Both involve multi-generational planning, but Dynasty is intended for larger or more complex family arrangements, particularly where multiple asset classes, businesses, different branches of the family or international considerations need to be brought together.
-
Yes. Long-term multi-generational continuity is a core purpose of iTrust Dynasty.
-
Depending on suitability and the structure recommended, property, investments, business interests, insurance proceeds and other significant family assets may all need to be considered.
-
No. Trust assets are managed by trustees in accordance with the trust terms. Beneficiaries can benefit from them without necessarily receiving all of the assets outright.
-
A Letter of Wishes can normally be reviewed and updated to reflect changes in family circumstances and your priorities. The trust itself remains governed by its legal terms.
iTrust Vulnerable
Building a legacy designed to last for generations.
iTrust Dynasty is designed for families who want to think beyond the next inheritance and create a long-term framework for family wealth.
It can help bring together significant property, investments, business interests and other family assets within a structure designed to support children, grandchildren and later generations.
What iTrust Vulnerable does
-
Provides a framework through which different types of family wealth can be managed as part of one longer-term plan.
-
Planning does not have to end when assets first pass to your children.
-
Trustees can respond to changing family circumstances within the powers provided by the trust.
How this helps you
One long-term family framework
Rather than repeatedly rebuilding planning at each generation, a longer-term structure can provide continuity.
Protection for future generations
Family wealth can remain managed rather than automatically passing outright at each stage.
Greater control over your family legacy
You can provide guidance about the values, priorities and purposes you would like your wealth to support.
iTrust Vulnerable FAQs
-
Both focus on preserving family wealth, but Dynasty is intended for more extensive, multi-generational planning where a broader family governance structure may be appropriate.
-
Yes, where the trust terms allow, the structure can be designed with multiple generations in mind.
-
Depending on the planning, this could include property, investments, business interests and other significant family wealth.
-
Not necessarily. A trust allows assets to be managed in accordance with its terms rather than automatically passing outright.
-
Your adviser can explain how Letters of Wishes and the trust's powers can help provide flexibility as circumstances change.
iTrust ParkShield
Building a legacy designed to last for generations.
iTrust Dynasty is designed for families who want to think beyond the next inheritance and create a long-term framework for family wealth.
It can help bring together significant property, investments, business interests and other family assets within a structure designed to support children, grandchildren and later generations.
What iTrust ParkShield does
-
Provides a framework through which different types of family wealth can be managed as part of one longer-term plan.
-
Planning does not have to end when assets first pass to your children.
-
Trustees can respond to changing family circumstances within the powers provided by the trust.
How this helps you
One long-term family framework
Rather than repeatedly rebuilding planning at each generation, a longer-term structure can provide continuity.
Protection for future generations
Family wealth can remain managed rather than automatically passing outright at each stage.
Greater control over your family legacy
You can provide guidance about the values, priorities and purposes you would like your wealth to support.
iTrust ParkShield FAQs
-
Both focus on preserving family wealth, but Dynasty is intended for more extensive, multi-generational planning where a broader family governance structure may be appropriate.
-
Yes, where the trust terms allow, the structure can be designed with multiple generations in mind.
-
Depending on the planning, this could include property, investments, business interests and other significant family wealth.
-
Not necessarily. A trust allows assets to be managed in accordance with its terms rather than automatically passing outright.
-
Your adviser can explain how Letters of Wishes and the trust's powers can help provide flexibility as circumstances change.