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Welcome to CHC Legal

The Trust & Estate Planning Specialists

 

CHC Legal delivers sophisticated, planning-led estate solutions—combining advanced trust design, wills, LPAs, and foundation structures—to protect wealth, secure family intentions, and build legacies that endure across generations. If you want estate planning that is precise, bespoke, and built to withstand legal scrutiny and real-world change, we invite you to speak with us.

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“Always plan ahead.

It wasn’t raining when Noah built the ark.”

– Cardinal Richard Cushing

Structuring a Trust takes thought, skill and care. Successful trust planning needs time - so do it while the sun is shinning not once the flood has started.​

Our Range of Trust Services

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Educational & Maintenance Trusts​

 

For those who do have spare money, what better legacy could they leave than funding a grandchild or great-grandchild's education.

 

With tuition fees and living costs constantly rising, this could be the best gift you'll ever give and by effecting a trust, you'll know the money will be there even when you're not.

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Business or Shareholding Trusts

 

A Business or Shareholding Trust is used to hold shares or interests in a trading company, supporting continuity, succession planning, and long-term stability.

 

Such trusts can help separate ownership from management while preserving the founder’s original intentions for the business.

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Bare (Absolute) Trusts

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A Bare Trust is a simple trust structure under which assets are held by trustees on behalf of a beneficiary who has an absolute and immediate entitlement to both income and capital.

 

While trustees hold legal title, the beneficiary’s rights are fixed, making this form of trust suitable where clarity and simplicity of ownership are required.

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Charitable or Philanthropic Trusts

 

A Charitable or Philanthropic Trust allows individuals or families to formalise their charitable intentions within a structured legal framework.

 

It provides a lasting mechanism for supporting causes, projects, or values that are important to the settlor, often forming part of a wider legacy plan.

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Family Asset Protection Trusts

 

Often used as part of long-term family planning, a Family Asset Protection Trust is designed to place assets into a structured trust framework while allowing for controlled use and benefit during lifetime. Such trusts are commonly associated with planning for later life, asset preservation, and the orderly transmission of family wealth across generations to KEEP IT IN THE FAMILY.

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Animal Companion Care Trusts​

 

An Animal Companion Care Trust is a form of purpose trust established to provide for the ongoing care, maintenance, and welfare of a named animal or animals after the owner's death. It enables funds to be set aside and managed by trustees to ensure that arrangements for care, living costs, and wellbeing continue in accordance with the settlor’s intentions.

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Rainy Day Trusts

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A properly constituted Rainy Day Trust is a perfect way to provide yourself (or anyone else you wish to benefit) with a fallback fund should an unexpected emergency arise.

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From legal fees to defend against an accusation, to medical fees should private care be urgently needed, a Rainy Day Trust will always be there if ever needed.

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Mixed Trusts

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A Mixed Trust is a trust structure that combines different types of beneficiary interests within a single arrangement, such as fixed entitlements alongside discretionary powers. This hybrid approach allows for both defined provision and long-term flexibility, enabling trustees to respond to changing family, financial, or personal circumstances over time.

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Vulnerable Persons Trusts

 

A Vulnerable Persons Trust is intended to provide structured financial support for an individual who is unable to manage their own affairs due to vulnerability, disability, or special circumstances. These trusts allow trustees to respond flexibly to changing needs while ensuring that care, support, and quality of life remain central to the trust’s operation.

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Discretionary Trusts

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A Discretionary Trust gives trustees the authority to decide how and when beneficiaries may benefit from the trust assets.

 

This flexibility makes it particularly useful where future circumstances are uncertain, family situations may change, or where it is desirable to retain long-term control over distributions.

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Common Intention Trusts

 

A Common Intention Trust arises where property is held in accordance with a shared understanding or agreement between parties as to how beneficial ownership is to be treated. It is often associated with jointly held property and is used to reflect contributions, intentions, and agreed arrangements where legal title alone does not fully capture the parties’ interests.

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Offshore & Non-Resident Trusts

 

An Offshore or  Non-Resident Trust is a trust arrangement structured so that the trustees are not resident in the United Kingdom for tax purposes.

 

Such trusts are commonly used in international or cross-border planning, where assets, beneficiaries, or long-term objectives extend beyond a single jurisdiction.

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Pilot Trusts

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A Pilot Trust is typically established as a foundational planning tool, capable of receiving additional assets or being adapted over time.

 

It offers flexibility for future structuring and is often used where long-term planning is anticipated but precise arrangements are not yet finalised.

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Interest in Possession Trusts

 

An Interest in Possession Trust (Life Interest Trust) provides a named individual with an immediate and defined right to trust income or use of trust assets, while preserving the underlying capital for future beneficiaries.

 

This structure is often used where there is a need to balance present provision with longer-term family or succession planning.

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Holdover (Capital Gains Tax) Trusts

 

A Holdover Trust is used in planning where assets are transferred into trust in a way that may allow capital gains to be deferred rather than crystallised at the point of transfer.

 

The deferred gain is typically reflected in the future value of the trust assets, forming part of a wider long-term trust planning strategy.

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Private Foundations

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For many high net worth individuals or families, forming a Private Foundation is the pinnacle of wealth planning - protecting wealth not just for the founders but for generations to come. It could be described as a Trust PLUS. 

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We have considerable experience in Foundations and a wide choice of jurisdictions to choose from.

Contact us today for a Free consultation

Our Additional Estate & Planning Services

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Severance of Joint Tenancy

 

The severing of a Joint Tenancy and replacement with a Common Tenancy is a tried and tested first step in many Long Term Care and IHT plans.

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For most couples, this enables half the value of a property to go into trust on the first death, thus escaping Inheritance Tax on the second death.

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Equity Release

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If your home is already paid for (or even if the mortgage left remaining is low), you may be able to release equity, either to provide money to use now or to make plans for your beneficiaries.

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There is no risk to your home in doing this.

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Long Term Care Planning

 

As many as one in six people over 85 end up in a care home of some sort. This often means that the value of any property or other assets they might own will be at risk of being used to pay care home fees.

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With annualised care home fees now around the £33,000 per annum mark, this is an area that's worth thinking about.

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Lasting Power(s) of Attorney

 

Lasting Power of Attorney is a legal document which allows people you have selected to manage your financial and personal affairs on your behalf if a situation arises that leaves you unable to do so yourself. The law calls these selected people “attorneys.”

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Every one of us may reach a point in life when having a trusted attorney is vital.​

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Inheritance Tax Planning

 

For estates valued at over £325,000 Inheritance Tax of 40% will usually apply on the death of a settlor. 

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Careful forward planning can reduce or even eliminate this tax.

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Why pay so much when there's no need to?

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Estate Valuation

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When an old person dies, the family or executor is often presented with an old box stuffed full of statements, share certificates and insurance policies - for someone not used to dealing with such things, valuation can be a daunting task.

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We can provide a full valuation service either after or (preferably) before death. 

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Probate & Administration

 

We find that many people who have been appointed to act as an executor for the first time have little idea what exactly they are meant to do and how to go about the whole process.

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This is particularly so if they are not used to dealing with financial matters like bank accounts, investments, shares, property assets and insurance policies.

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Digital Asset Solutions

 

If you have digital assets - maybe Bitcoin or another cryptocurrency - or any other asset that exists online, there are mechanisms for passing those assets on without the need to turn them into cash first.

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Such assets can also be held outside of an estate using a Digital Trustee making them not subject to probate.

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Deed of Variation

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A Deed of Variation is a legal instrument that allows the distribution of an estate to be rearranged after death, within prescribed time limits.

 

It is often used to redirect assets into trusts or alternative arrangements as part of structured estate planning.

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Last Will & Testament

 

If you die without a will, the law says who gets what – what you would have wanted is irrelevant in this process. That’s why it’s so important to make sure you have a valid will in place.

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Your will lets you decide what happens to your money, property and possessions after your death.

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Living Wills

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An advance decision (often known as an advance decision to refuse treatment, an ADRT, or a living will) is a decision you can make now to refuse a specific type of treatment at some time in the future.

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It lets your family, carers and health professionals know your wishes about refusing treatment if you're unable to make or communicate those decisions yourself.

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Deed of Revocation

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A Deed of Revocation is a legal instrument used to formally cancel or revoke an existing trust, power, or prior arrangement, where the governing documents permit such action.

 

It is typically used to unwind structures that are no longer appropriate or required as part of wider estate planning.

Your Essential Estate Planning Checklist

Items that everyone should consider having in place:

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An up to date, signed, valid Will

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A Health & Welfare Lasting Power of Attorney

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A Property & Financial Lasting Power of Attorney

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A Living Will/Advance Decision

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An accessible Account, Plan or Policy to pay for funeral costs without need for probate. 

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Additional items for property owners to consider:

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Change of Tenancy

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Long Term Care Planning

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Equity Release

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Additional items for Higher Net Worth clients:

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Inheritance Tax Planning

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Asset Protection Trust(s)

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Family Trust(s)

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Educational Trust(s)

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Additional items for Very High Net Worth clients:

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Private Foundation(s)

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Elderly Couple Contract

No matter how involved or complex your wishes, our consultants can help you get everything in order.

When it comes to protecting your family and loved ones, nothing can beat a completely bespoke personal service.

Contact us today for a Free consultation

Legal & Policies​

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CHC LEGAL is trading style of CHC CONSULTANTS LTD.

Registered Office: Atlantic Business Centre, Atlantic Street, Broadheath, Greater Manchester, England, WA14 5NQ

Company number: 15847848

Contact Details

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Kennedy House
31 Stamford Street
Altrincham

Greater Manchester

England

WA14 1ES

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Tel: 0161 706 3113

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Email: info@chclegal.co.uk

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Web: www.chclegal.co.uk​​​​​

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© Copyright 2026   |   CHC CONSULTANTS LTD  |   All Rights Reserved   |   Company Registration No: 15847848
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