If you want a protective shelter for your property and assets after your death then a Discretionary Trust can be built into your Will
This type of Trust can be used if your intended beneficiary (ie someone you are leaving some or all of your assets to ) is:-
Not happy or able to handle money (eg if they are or likely to become bankrupt )
Going through a divorce or may become divorced
Reliant on means tested benefits which will stop if they receive a legacy
Someone who does not have the mental capacity to look after money
Reckless or irresponsible
A drug addict
Unduly influenced by another party
It is important to have reliable persons to be nominated as Trustees of such a Trust as they will be responsible for investing the assets after your death and for making decisions about when your chosen beneficiaries receive any benefit.
Guidance to them can be given by means of a letter of wishes from you which will indicate your preferences