Conwy Wills & Trusts

*Vulnerable Person Trusts vs Discretionary Trusts – they are not the same thing.*

This comes up all the time, and getting it wrong can be seriously expensive. In some cases, eye wateringly so.

If you’re planning for someone who is vulnerable or relies on means tested benefits, choosing the wrong type of trust can trigger unexpected tax bills or cause benefits to disappear. Good intentions won’t save you. The law is not sentimental.

I’ve written a clear, plain English breakdown of the differences, why they matter, and what a real Supreme Court case (Pitt v Holt) taught us the hard way.

Worth a read if you’re dealing with trusts, personal injury awards, or planning for a vulnerable loved one.

👉 https://conwywillsandtrusts.co.uk/2026/01/22/vpt_v_disc/

Feel free to share. This one saves people from very costly mistakes.

Oops, we’re a day late! 😅 But the deal is still very real…

💜CYBER MONDAY OFFER (extended!) 💜

Get your Lasting Powers of Attorney done for Health & Welfare + Finance & Property for £500 including OPG fees. ✅

🏡 Home visit included for extra ease and comfort.

If you’ve been meaning to get this sorted for peace of mind, this is your sign.

📩 Message us to book or ask questions
🌐 Conwywillsandtrusts.co.uk

⏳Offer ends 21st December 2025 — don’t leave it until the last minute!

🗂️ Could your executors find everything they need if something happened to you?

Every year, billions of pounds are left sitting in forgotten bank accounts and unclaimed estates — simply because executors can’t find the full picture.

Our latest blog, “Making Life Easier for Your Executors,” explains how to build an Executor’s Pack that saves your loved ones months of confusion, legal delays, and missed assets.

✅ The key documents to include
✅ How to handle financial and digital assets
✅ Simple ways to protect your legacy and your executors

Because clarity isn’t just practical — it’s an act of kindness. 💛

📖 Read the full blog here:
🔗 Making Life Easier For Your Executors
📞 01492 463218
📧 [email protected]
🌐 www.conwywillsandtrusts.co.uk

⚖️ Trust, Power, and Oversight — What Harold Shipman Taught Us About Professional Integrity

The name Harold Shipman still sends shockwaves through Britain’s collective memory. But beyond the horror lies a vital lesson, one that reaches far beyond medicine.

Shipman’s crimes exposed what happens when professional trust operates without oversight. He had total authority, no accountability, and complete control over his patients’ care; and ultimately, their deaths.

In every profession, law, medicine, finance, the same principle applies: unchecked trust is dangerous. Oversight isn’t a sign of distrust; it’s the structure that protects both the client and the professional.

Our latest blog explores how Shipman’s legacy reshaped professional ethics and why integrity without accountability isn’t integrity at all.

📖 Read the full post here:
🔗 https://conwywillsandtrusts.co.uk/2025/03/15/trust-power-and-oversight-what-harold-shipman-taught-us-about-professional-integrity/

🕊️ “Trust is sacred but it must be earned, maintained, and open to scrutiny.”

📞 01492 463218
📧 [email protected]

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Human Jobs Matter!
Will AI really take our jobs?

Back in 2013, Oxford researchers Frey & Osborne predicted that nearly half of all jobs were at risk of automation. A decade on, new studies like the Generative AI Susceptibility Index (GAISI) reveal a more nuanced truth: AI is changing tasks, not wiping out entire professions.
So who’s really at risk, and who’s safe?
👉 Routine, repetitive roles like data entry and call centres are most exposed
👉 But jobs built on trust, empathy, and creativity, like estate planning, remain firmly human

At the end of the day, people don’t want a will writer. They want my will writer: someone they know, trust, and can call when it matters.

📖 Read the full blog here:
🔗 https://conwywillsandtrusts.co.uk/2025/09/25/human-jobs-matter-ai-and-the-future-of-human-work/
📞 01492 463218
📧 [email protected]

Human Jobs Matter! AI and the Future of Human Work - Conwy Wills and Trusts Ltd In 2013, Oxford researchers Frey and Osborne warned that nearly half of jobs were at risk of automation. A decade later, the picture looks different: AI is reshaping tasks rather than replacing entire professions. With new studies like GAISI, we now know who’s most exposed — and why roles built ...

✍️ Don’t Let Simple Mistakes Invalidate Your LPA

Lasting Powers of Attorney (LPAs) are vital for protecting your future, but did you know one of the most common reasons they get rejected is because of errors in the signing process?

❌ Wrong signing order
❌ Incorrect witnesses
❌ Missed life-sustaining treatment decision (on Health & Welfare LPAs)
❌ Dates out of sequence

Even small slip-ups can mean your LPA is rejected by the Office of the Public Guardian, causing stress, delays, and extra costs.

✅ In our latest blog, we break down the correct order to sign both Property & Financial LPAs and Health & Welfare LPAs — and highlight the traps that trip people up.

📖 Read more here: https://conwywillsandtrusts.co.uk/2025/09/16/how-to-sign-your-lpa-the-right-way-and-the-mistakes-to-avoid/

Protect your future. Get it signed right the first time.

📞 01492 463218
📧 [email protected]

📱💻🔑 Photos. Passwords. Crypto.

What happens to them when you’re gone?

Don’t leave your digital life in limbo, plan ahead.

👉 https://conwywillsandtrusts.co.uk/2025/08/15/what-happens-to-your-digital-assets-when-you-die/

Have You Thought About Your Digital Legacy?

Most of us bank, store photos, shop, and even run businesses online, but when it comes to writing a Will, digital assets are often forgotten.

What happens to your emails, Facebook account, or crypto wallet when you’re gone?

Without a plan:
🔒 Loved ones may be locked out
💰 Money could be lost
📸 Memories might vanish

Our latest blog walks you through how to protect your online life, step-by-step, from naming a digital executor to handling crypto securely.

💻 Read the full post here:
👉 https://conwywillsandtrusts.co.uk/2025/08/15/what-happens-to-your-digital-assets-when-you-die/

📞 Questions? Call 01492 463218 or message us any time.
📍 Based in Colwyn Bay, helping families across North Wales.

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✅ Like, comment, and share if this made you think — someone you know might really need to see this.

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Thinking of putting your home into trust?

It might not be as tax-free as you think...

Many people assume that because their home is their main residence, there’s no Capital Gains Tax (CGT) to worry about. But when a property is transferred into trust, you could lose your Principal Private Residence (PPR) relief — and face a CGT bill you weren’t expecting.

✅ Learn when PPR applies
✅ Understand how to preserve it using a FLIT or Right to Occupy clause
✅ Discover the right way to gift property without triggering unnecessary tax

💡 This is a must-read if you're planning to use trusts in your estate or care fee planning.

🔗 Read the blog post here: https://conwywillsandtrusts.co.uk/2025/08/07/not-so-tax-free-what-happens-to-cgt-when-you-put-your-home-into-trust/
📞 Call us on 01492 463218
📧 [email protected]

Not So Tax-Free: What Happens to CGT When You Put Your Home Into Trust - Conwy Wills and Trusts Ltd Thinking of putting your home into trust? You might lose your Capital Gains Tax exemption without realising it. This post explores how placing your property into a trust could cost you Principal Private Residence (PPR) relief — and how using the right trust structure, like a FLIT or Right to Occup...

🪦✨ Ever thought about what your final send-off might look like… beyond the usual?

Some people choose Viking-style pyres.
Others want their ashes scattered at sea, or even launched into space. 🚀
(Yes, that’s a real thing… with balloons, rockets, and everything!)

I’ve just written a new blog post about the strangest, boldest, and most beautiful burial options people are choosing today, and what you need to know if something a little different is on your mind.

Whether it’s a coral reef memorial or a flaming longship send-off, it all starts with good planning.

Have a read 👇
📖 https://conwywillsandtrusts.co.uk/2025/07/23/from-viking-pyres-to-space-ashes-a-look-at-the-worlds-most-unusual-burials/
📞 Or ring me if you’d like to chat it through: 01492 463218

From Viking Pyres to Space Ashes: A Look at the World’s Most Unusual Burials - Conwy Wills and Trusts Ltd From Viking pyres to ashes sent into space, funeral traditions are evolving fast. In this post, we explore some of the world’s most unusual burial options—what’s possible, what’s legal, and how to make sure your final wishes, however unique, are respected.

🚨 82-Year-Old Evicted from Her Own Home — Could a Trust Have Saved Her? 🏡

In a heartbreaking real-life case, Norma gifted her £600k flat to her daughter to “save inheritance tax.” Years later, after a family breakdown, she was evicted from her own home at age 82 — with no legal right to stay and £10,000 in legal costs. 💔

Why? Because there was no trust, no right to occupy, and no legal safeguards.

👎 Outright gifts can go badly wrong.
✅ A Family Lifetime Interest Trust (FLIT) or a Right to Occupy (RtO) could have protected her:

✔ Guaranteed her right to live in the home for life
✔ Prevented eviction
✔ Offered better inheritance tax planning
✔ Protected the relationship by using trustees

👉 Read the full story & learn how to protect yourself:
🔗https://conwywillsandtrusts.co.uk/2025/06/03/%f0%9f%92%94-when-good-intentions-go-wrong-how-a-lifetime-trust-could-have-protected-norma/

📞 Call us on 01492 463218
📧 Or message us for advice on lifetime trusts.

💔 When Good Intentions Go Wrong: How a Lifetime Trust Could Have Protected Norma - Call: 01492 463218 An 82-year-old woman was evicted from her own home after gifting it to her daughter. With no trust or legal safeguards in place, her rights were lost. A Family Lifetime Interest Trust (FLIT) or Right to Occupy could have protected her. Don’t risk your home—plan properly.

⚖️ Who Controls What Happens to Your Body When You Die?
It’s a question more and more families are facing—and one that current law doesn’t always answer clearly.

🪦 In our latest blog, we explore:
• Why your wishes for your funeral or ashes may not be legally binding
• What happens when family members disagree
• The role of executors vs next of kin
• Upcoming legal reform that could finally bring clarity

💬 If you’ve ever wondered who has the final say—or you want to make sure your voice is respected after death—this article is essential reading.

👉 Read now:
🔗 https://conwywillsandtrusts.co.uk/2025/03/03/the-future-of-funerary-rights-binding-wishes-legal-clarity-and-reform

📞 For advice on funeral wishes, wills, or planning ahead:
Call 01492 463218 or email [email protected]