It is about care, dignity, protection and quality of life.
Why leaving money outright is often the wrong answer
Many families assume that leaving cash directly to a vulnerable beneficiary is the kindest option.
In practice, it often leads to disappointment.
An outright inheritance may:
- be quickly absorbed by care fees, drug dealers or “friends.”
- reduce or eliminate means-tested support.
- expose the beneficiary to ongoing financial abuse.
- provide little or no lasting improvement in daily life.
Well-intended gifts frequently end up paying for basic provision, rather than enhancing wellbeing.
How trust planning can genuinely help
A trust created through a Will allows funds to be held and used for the benefit of the person, without placing control directly in their hands.
This allows money to be spent on things that truly improve life, including:
- outings, holidays and experiences
- better accommodation or a more suitable room
- additional one-to-one care or companionship
- specialist equipment or therapy
- professional advice, advocacy or support
The aim is not to hide money, but to ensure it is used well and thoughtfully.
Making the inheritance count
State care packages, while essential, are often basic.
A trust can fund the extras that make life richer:
- choice
- comfort
- stimulation
- independence
- dignity
Used properly, it allows an inheritance to support the person, not just the system around them.
Trustees, control and flexibility
Trustees are usually family members, sometimes supported by professional advice.
Their role is to:
- act in the beneficiary’s best interests
- make sensible, compassionate decisions
- ensure money is spent gradually and appropriately
The goal is flexibility, not restriction.
This must be done properly
Trusts for vulnerable beneficiaries must be carefully designed.
Poorly drafted trusts can:
- be too restrictive
- create unnecessary administration
- cause confusion or disputes later
This is why a detailed discussion before drafting the Will is essential.
My approach
When vulnerable beneficiaries are involved, I take time to:
- understand the individual, not just the estate
- discuss long-term care and family dynamics
- explain clearly what a trust can — and cannot — achieve.
There is no one-size-fits-all solution, and this is not an area for shortcuts.
Next steps
If you are concerned about leaving money to someone who may struggle to manage it, a conversation now can prevent serious problems later.
I’m always happy to talk things through before any decisions are made.
Moving Forward
Let’s have an initial chat on 01323 766 766 – my office is in Polegate, so it is easily reached from Hailsham, Eastbourne, Bexhill and Seaford. Enquiry form.