Family Home Trusts

TrustUs are proud to be working alongside Kōwhiri
to offer online services

If you have a house, an expanding family, or a growing property portfolio, then setting up a family trust will help to protect your family's interests.

Trusts are a way to safeguard and protect your assets, preventing conflict over your family property. New Zealanders set up family trusts to provide…


Business Owners

Protection from creditors and legal action



Protection from property disputes


Estate Planning

Control what happens when you die

Dying without a Will

Your estate will be divided up by the Administration Act

Who Gets What?

Does your estate
end up going where
you wanted it to?

Your Partner and Children

Your spouse gets your personal chattels, the first $155,000 of the estate, and one-third of the rest. The other two-thirds goes to your children.

Your Parents

No partner or children, your parents inherit if alive. If deceased your entire estate is left to blood relatives, or to the Crown if no relatives exist.

Your Partner

If you have no children, your partner gets the lot if your parents are deceased.

Your Children

If you have children but no partner, the entire estate is left to your children equally.

Your Partner and Parents

No children, your partner gets the personal chattels, the first $155,000 and 2/3rds of the rest. Your parents get the other third.

Most of us do not consider the legacy we are leaving behind

We make very different decisions from 20, 30, 40, 50 and 60 years of age. Wealth, if handed over while in grief, or in those early adult years can be lost quickly.

Rather than being there for those better decisions. What would you do differently at 30 years of age than at 20? Buy a home rather than party with friends?

Having assets held on trust means trustees must make decisions in the best interest of all beneficiaries. So, hard earn't family wealth does not need to be lost in grief.

New Zealand Legislation

Administration Act 1969


Being a Home Owner

Is your family home owned in your Personal Capacity?

Property Values

Have grown massively
over the last few decades.

Personal Liability

You are exposed to many risks
over your working career.

Asset Protection

Protect your family from the
risks you face every day.

How exposed are you?

The way we work changes almost daily now. Can you predict what the next 30 years is going to look like for you? As you become more experienced, do you think you will be responsible for keeping someone safe at work at some time over your career? Do you think you might go into business for yourself, be self employed or contract out your services? Or buy rental properties as you have the capacity to do so?

With recent changes in Health and Safety Laws in New Zealand and the introduction of a Person Controlling a Business or Undertaking PCBU the net for personal liability risks to individuals has been cast much wider. It is only good sense to take practical steps to protect family assets from the financial risks you face day to day.

New Zealand Legislation

Health and Safety at Work Act 2015


Safeguard your Future

Protect your Lifestyle in a Smart Way

Protect Against
Day to Day Risks

Don't let your lifestyle assets
be exposed to business risks.

Protect Against
Property Disputes

What assets did you bring
to the relationship?

Protect the Legacy
You Leave Behind

Make sure what you leave
behind is used in the best way.

A family home trust is a legal way to protect your family home and hold it for the future

This means your family home is held by the trustees and you no longer own it. If you transfer ownership of your Term Life Insurance Policy into your family trust as well, you also protect your legacy. This is where the asset protection and estate planning benefits come from. It does not mean that you can't use the home or have a say in what happens, in fact the whole idea is that the trust protects your family interests now and into the future. 



DISCLAIMER: Material found on this site is general by nature and not intended to be financial, legal, or tax advice. You should always consider your personal financial circumstances before using any finance related product. TrustUs is not your accountant or lawyer and use of our software should not substitute professional advice.