iTrust Care
Retirement and Later-Life Estate Planning
Key Features of iTrust Care
iTrust Care is ideal for individuals and couples approaching or in retirement who want to secure the value of their home and savings as part of a broader estate plan. It’s particularly suited to those who want to preserve dignity, independence, and control in later life whilst ensuring family wealth is managed and protected for the future.
Benefits
Protects Home & Savings
Helps preserve selected surplus value for family use — the trust can hold gifted savings, investments or a defined beneficial capital interest connected with your home, subject to proper valuation, legal implementation and Trustee acceptance.
Supports Long-Term Home and Estate Stability
Where home equity forms part of the planning, a defined gifted value can be separated from the owner’s retained rights while occupation and the remaining property value can continue outside the gift. This can provide greater structure and stability, but does not guarantee that the property will never need to be sold or that a future assessment will disregard prior transfers.
Fast, Smooth Access on Death or Incapacity
Trust-held assets remain under Trustee administration on death or loss of capacity. Assets that remain personally owned may still require probate or an appropriate Lasting Power of Attorney, which is why Care planning is normally coordinated with Wills and LPAs.
Support for Loved Ones
Trustees can provide managed support to children, grandchildren, or dependants during your lifetime, guided by your stated wishes.
Responsible, Long-Term Planning
Designed as part of your retirement strategy, the trust clearly documents your intentions and demonstrates proportionate, sustainable planning.
Before implementation, we review the resources you will retain for your own foreseeable needs, so that only value which is genuinely surplus to those needs is considered for gifting.
Retained Income and Lifestyle Planning
Where the planning is structured so that particular income or occupation rights remain outside the gift, those retained rights can continue to support your lifestyle. Income arising from assets actually settled into the discretionary Trust Fund is administered under the terms of the trust and is not automatically available to the Settlor.
Fixed Value Financial Interest (FVFI)
Where appropriate, home-equity planning may use a Fixed Value Financial Interest (FVFI). This creates an immediate gift to the Trustees of a defined fixed capital interest supported by the property, while legal title, occupation and the remaining capital value can stay with the owner. The gifted amount is no longer available for the Settlor’s personal use.
Additional Features
Included with your trust at no extra cost.
Coordinated with Wills and LPAs
Coordinated with Wills and LPAs — the trust governs assets already transferred to the Trustees, while your Will and Lasting Powers of Attorney deal with the assets and decisions that remain personal to you.
Start with iTrust Care Today
iTrust Care helps you preserve your hard-earned assets through thoughtful, forward-looking planning.
Whether or not your circumstances change later in life, iTrust Care is designed to preserve an appropriate proportion of family wealth through structured lifetime planning and professional Trustee oversight.
The iTrust does not hide assets — it records and administers genuine lifetime transfers transparently under a formal trust structure.
It doesn’t avoid responsibility — it organises your future. With clear documentation, professional oversight, and adaptable features, iTrust Care is a cornerstone of dignified later-life planning.
No trust can guarantee the outcome of a future local-authority financial assessment. If a transfer is considered to have been deliberately made to avoid or reduce care and support charges, the authority may apply the statutory deprivation-of-assets rules. The outcome depends on the client’s circumstances, the timing and reasons for the transfer, and the law applying at the time.
Getting Started
Speak with your iTrust Adviser or reach out to iTrust121, where our team is ready to assist you in exploring your options and discovering how iTrust Care can fit into your retirement plan.
Contact UsFrequently Asked Questions
What is iTrust Care?
iTrust Care forms part of long-term later-life and family planning.
It is intended to help establish appropriate arrangements while clients are independently making considered decisions about their estate.
Is it simply a care-fee product?
No.
Later-life planning can also include:
preserving family capital;
ensuring adequate personal resources;
planning for incapacity;
protecting the survivor;
putting LPAs in place; and
creating continuity for the family.
Does an iTrust guarantee that I will never have to pay care fees?
No responsible provider can guarantee the result of a future local-authority assessment.
Local authorities can consider the circumstances, purpose and timing of earlier transactions.
Why is advance planning still valuable?
Because genuine estate planning undertaken while someone is independent and considering wider family objectives is materially different from trying to dispose of assets once care is already required or immediately foreseeable.
Does Care planning mean giving away money I may need?
It should not.
The planning should leave you with appropriate resources for your own foreseeable needs.
What if care is already imminent?
Greater caution is required.
A trust should not be presented as a last-minute mechanism for removing assets once care needs or an assessment are already reasonably foreseeable.
Important information
The benefits described are general illustrations of how the relevant iTrust may operate when appropriately structured and funded. Actual legal, tax and asset-protection outcomes depend on individual circumstances, the assets involved, the terms of the trust and any supplemental instruments, effective implementation and applicable law at the relevant time. Trustee decisions remain subject to the trust deed and their legal duties. Tax treatment and protection from third-party claims cannot be guaranteed and specialist advice may be required.
Not found what you’re looking for?
We offer a wide variety of iTrust options to ensure every client finds the perfect framework for their needs. Whether you require global asset protection or pet care arrangements, there’s an iTrust designed for you. Explore our complete range of iTrust products today and find the solution that best fits your protection and planning goals.