Alcohol, Drugs & Gambling Problems?

If one of your kids has alcohol, drug or gambling issues you probably need to put a TRUST into your WILL – we can help!


Sometimes, a Will is not enough to protect your family

There’s a very natural desire to want to treat all our children the same. Differences made in Wills, even for the best of intentions, can make even adult children feel that there was a difference in the love left behind.

But what if one of your children has very different needs, or problems, to the others? How can you plan fairly for their future and make sure they are provided for, without necessarily treating them exactly the same?

Here are five instances when forming a Trust could be a valuable part of your Will or estate plan:

  1. Disability

If your child lives with a disability, there are two main considerations that might make putting your child’s inheritance in Trust a good option.

  • A lump sum inheritance could adversely affect their entitlement to essential means tested benefits; but a properly planned Trust could ensure that they get the support you hope for, without losing essential income.
  • If your child lives with a mental disability that affects their ability to plan and to make good financial decisions, you may wish to place a trustee in charge of their affairs

2. Mental illness

  • If your child is mentally ill, how might they react to the sudden arrival of a substantial bequest? You may worry that they will not spend it wisely; you may wish for it to be spent on care and support for your child; or,  you may be concerned that the stress of receiving and managing a large lump sum might be too much for them to cope with.
  • With a trustee in place to manage their affairs for them, this may help to protect your child from unnecessary anxiety.

3. Addiction

  • If your child has an addiction to alcohol, drugs or gambling, you might be concerned that all their inheritance will disappear quickly, leaving them without the safety net for them and their family that you hope the inheritance can provide.

4. Existing debt

  • Might you leave a lump sum to your child, only for it to be swallowed up immediately by creditors? You might prefer the bequest to be protected for your child’s family and dependents, rather than go to your child directly.
  • Or, is the repayment of debt, and freedom from CCJs or bankruptcy exactly the legacy you wish to leave your child? You may feel that you are best placed to plan for your child’s freedom from debt worries, via a Trust.

5. Protection from Inheritance Tax

  • It’s possible to plan not only for the Inheritance Tax bill that you pass to your own beneficiaries, but also the liability that they pass to their beneficiaries (for example, your grandchildren) too.
  • By bequeathing a Trust that provides income to your children during their lifetime, but passes the capital on to the next generation, you may help to protect your grandchildren from inheriting a massive tax exposure.

To find out more about Trusts and how they can protect your family, CONTACT US and ask for our guide: ‘What is a Trust and how will it protect your loved ones?’

This article is for general information only and does not constitute legal advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.

Call 01223 655 646 or 07930 197 432





to arrange a FREE consultation

We can explain on the telephone what is involved and then arrange an appointment at a convenient time if you wish to go ahead.


Just Wills & Legal Services (Cambridge) – Your local office for Just Wills & Legal Services Ltd – a nationwide legal services company.

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We Protect Families with Trusts, Wills, Powers of Attorney, Probate Help and Funeral Plans

We cover Cambridge, Ely, Newmarket, St Ives, St Neots, Huntingdon, Chatteris, March, Saffron Walden, Bury St Edmunds, Haverhill, rural Cambridgeshire, CB and nearby postcodes.

Outside of this area? Contact us and we will put you in touch with your local Just Wills & Legal Services consultant.


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Posted in Cambridgeshire, Funeral Plans, Lasting Power of Attorney, Trusts, Wills
Got a family? You need a Will!
family, Just Wills, Cambridge, East Anglia, East of England, Wills, Trusts
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