Every now and then I get a leaflet through my door saying ‘Keep it in the Family’. They offer for me to attend a seminar at which I will be provided with tea and cake, along with advice on how to ensure my family will receive my hard earned cash after my death and not the care home down the road. They are trying to sell you a  Home protection Trust.

Well what’s wrong with that I hear you ask? The answer is that unless you are fighting fit, have no health issues and can demonstrate that you are constructing the Trust for reasons other than to deprive the local authority of funds, to pay for your long term care, then you should not be contemplating doing it. Also be aware that many companies will charge anything from £3000- £6000 for these Trusts and remember that should you need to release equity from your home in the future, you may not be able to do so.

There is a lot of scare mongering about care fees but the reality is that the majority of people die still living in their own home, with all of their mental faculties. For the vast majority of people their home is their