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A Simple Guide to Trusts
Make informed decisions for peace of mind
In this guide:
- What is a trust? - Discover how they work, key terms and uses.
- Why have a trust fund? – Find out some of the motivations of choosing to create a trust over other financial solutions.
- Different types of trust funds – We will explain a little bit about each type of trust and some of the reasons
Please note that the Financial Conduct Authority (FCA) does not regulate cash flow planning, estate planning, tax or trust advice.
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From this guide:
Key terms
Settlor
The person who establishes the trust by a transfer of assets. This can be done during lifetime through a deed, or on death via the will.
Trustee
A person entrusted to hold the assets for the beneficiaries. For practical reasons, there is usually more than one.
Beneficiary
The person entitled to benefit from the trust. There may be more than one beneficiary.
Key point: A key point to be aware of is that for a trust to be effective for many of the tax advantages, it is important to give up any right to the assets transferred.
Download the full guide to read more.
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Sarah Beall
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A Fellow of the Personal Finance Society, Sarah has worked in financial services since 2011 and works in partnership with her clients to ensure they understand what they are capable of achieving and how they can get there.
Merve Oral
Financial Adviser - Chartered Financial Planner, FPFS
Merve is a Chartered Financial Planner and a Fellow of the Personal Finance Society. She creates bespoke financial plans in partnership with her clients to help them secure their financial future and enjoy their desired lifestyle with peace of mind.
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Partner - DipPFS
Daniel provides advice focused on the disciplines of personal and corporate financial planning, investment portfolio management, Inheritance Tax (IHT) planning and mitigation, and legacy and succession planning.