How do we stop our troubled child 賭事ing away their 相続物件?

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決定／判定勝ち（する） about a will: Is there a way we can 含む our child as a 受益者 and 保護（する）／緊急輸入制限 the 相続物件 from 賭事ing?

My husband and l are 現在／一般に updating our wills.?

It is our second marriage and we have five children between us.

We've been married over 20 years and so are very happy to have mirror wills whereby on the death of one of us, the spouse gets the 広い地所 and thereafter the 広い地所 is 分裂（する） 平等に five ways to the children. We've accrued a decent 量 of money.

One of our children has some episodes of 不景気 and 苦悩 and いつかs irrational behaviour.

They have 脅すd 自殺 in the past.?

They feel undervalued and have very low self 信用／信任. T hey also have a 賭事ing 問題／発行する and an IVA (Individual Voluntary 協定).

They are a hard 労働者 but have always only had 最小限 行う 一時的な 職業s. The 相続物件 could really help them 伸び（る） some positivity and not feel they are never good enough.

Is there a way we can 含む them as a 受益者 and 保護（する）／緊急輸入制限 the 相続物件 from 賭事ing? I know if we were to not 含む them in the will, this would definitely 誘発する／引き起こす a very bad mental health episode.

Because of their previous behaviour we have very 限られた／立憲的な 関係 and they feel outside of the family 部隊.

We don't want to 除外する them but is there a way we can 保護する the 相続物件 from 存在 賭事d away and 保護（する）／緊急輸入制限 them from 拒絶? I would welcome any help.

Tanya Jefferies, of This is Money, replies: It is 理解できる to want to 扱う／治療する all your children 平等に but also take some 警戒s if one is unreliable with money.

We asked a lawyer to explain how you can 分裂（する） your 広い地所 公正に／かなり between them, but put 決定／判定勝ち（する）s on when and how much money is paid out to each sibling in the 手渡すs of people you have chosen and 信用 to understand your wishes and 関心s.

When it comes to mirror wills, there are 危険s to these which you might feel comfortable with as a couple, but which she explains for the 利益 of readers who could be unaware of the 可能性のある hazards.

Diva Shah, 上級の associate in the 私的な （弁護士の）依頼人 team at 法律 会社／堅い Kingsley Napley, replies: It is not uncommon for parents to be concer ned about 保護するing the 資産s they leave behind.

Misadventure and 離婚 are often the main 推論する／理由s. While you cannot take your money with you, you can 支配（する）／統制する (to some extent) who has 接近 to 基金s and when from beyond your 墓／厳粛／彫る／重大な.

The most 一般的に used structure within a will to 達成する some form of 支配（する）／統制する 地位，任命する death is called a discretionary 信用.

Diva Shah: Trustees can make 決定／判定勝ち（する）s on an individual basis for each child taking into account their need and circumstances

The discretionary 信用 行為／法令／行動するs as a 乗り物 by which your chosen trustees (often the executors 指名するd in your will) 支配（する）／統制する the 資産s for your chosen 受益者s. The 受益者s would be your children, grandchildren and any other individuals or charities.

The trustees have the ability to 支払う／賃金 資本／首都 or income to the 受益者s as they みなす fit. There are no defined 株 as to who 相続するs from the 信用 since this is based 単独で on the trustee’s discretion.

However, the trus t can notionally be held in equal 株 for the children, so in this 事例／患者, one fifth 株 for each child.

The trustees are guided by your Letter of Wishes which 始める，決めるs out your wishes about the 信用 and 保護, 含むing circumstances in which you would like 基金s made 利用できる or not.

This could 含む wishes about making 基金s 利用できる for 所有物／資産／財産 購入（する）s, education or 医療の expenses but 持つ／拘留するing 支援する 基金s if there are 関心s about 離婚, 財政上の immaturity or mental health.

Essentially, the trustees can make 決定／判定勝ち（する）s on an individual basis for each child taking into account their need and circumstances.

You can also 含む that you would like the children to be 伴う／関わるd in 決定／判定勝ち（する） making to 許す them to engage with the trustees.

In your particular 状況／情勢, this would 許す the trustees to consider how the 基金s could be used to 利益 your child in the best way (taking into account your wishes), for example, 与える／捧げるing に向かって a 所有物／資産／財産 (which could be held in the 信用) or 供給するing them with a small 正規の／正選手 income but 持つ／拘留するing 支援する the 大多数 of the 資本／首都 until they are ready and 有能な to manage the 基金s.

The contents of the Letter of Wishes can be kept confidential の中で the trustees, so your children need not be told what is in it or ever see a copy.

The Letter of Wishes is not 合法的に binding and the trustees can chose not to follow it, 特に if a change of circumstances makes your wishes いっそう少なく 関連した.

Therefore, the choice of trustee is 決定的な; it has to be 信用d individuals with an understanding of your child's 問題／発行するs and your 意向s or it could be professionals.

You could choose to have your children, but careful thought needs to be given as to whether this would be appropriate or 原因（となる） 衝突 between them (only four trustees can 行為／法令／行動する).

Can you 避ける 税金 with a 信用??

Our 居住（者） 税金 専門家 Heather Rogers explains how 信用s work and debunks some ありふれた myths.

There are 税金 consequences with discretionary 信用s, 含むing 年次の expenses, 出口 告発（する），告訴（する）／料金s and 10-year 周年記念日 告発（する），告訴（する）／料金s of up to 6 per cent of the 資本／首都 value above £325,000.

However, this could be 見解（をとる）d as the price to 支払う／賃金 to 保護する the 資産s. If the 資産s are 任命するd out of the 信用 within two years of death, this is 一般に 税金 中立の.

A final point on the question of mirror wills. It is important to consider the 危険 with this 協定 whereby a 生き残るing partner can, of course, change their will after a spouse's death and 無視（する） the 協定 初めは made.

Although there may be a moral 義務 on the 生存者 to honour their late partner’s wishes, there is no 合法的な 義務 to do so.

One ありふれた シナリオ arises where the 生存者 remarries and makes a new will and コースを変えるs their 広い地所 away from their children to the new spouse.

An 代案／選択肢 to leaving everything to the spouse 完全な is the use of a life 利益／興味 信用 which 供給するs 支配（する）／統制する over the 広い地所 after death and 持つ／拘留するs the 広い地所 for the chosen 受益者s whilst 確実にするing the life tenant (the spouse) can 利益 during their lifetime.

Professional 合法的な advice on discretionary 信用s, mirror wills and life 利益／興味 信用s is imperative. The プロの／賛成のs and 反対／詐欺s of each would be explained in more 詳細（に述べる） and then you can then make an 知らせるd 決定／判定勝ち（する）.