Trust-based estate and asset protection plan.
Protect Your Family Home, Business & Investments.
A coordinated set of documents — trust deed, wills, EPAs and more — designed to protect your most important assets for the people you choose
Do You Need a Trust-Based Estate Plan?
A trust may be worth considering if any of the following apply to you.
Home or Properties
You own or plan to own a family home, rental properties, or a bach.
Business or Professional Risk
You run a business or face professional liability exposure.
Blended Family
You have children from previous relationships and want to balance fairness with protection.
Second Relationship
You are in a new relationship and want to protect pre-relationship assets for your own children.
Vulnerable Beneficiaries
You have a child or family member with a disability, health issue, or spending risk.
Generational Wealth
You want assets to stay in the family line across generations, not pass out through relationships.
What Your Plan Includes
Core Trust Documents
✓ Trust Deed (tailored to your trust type)
✓ Memorandum of Wishes
✓ Deed of Loan / Sale of Assets
✓ Initial Deed of Gift
✓ Initial Trustee Minutes
✓ Chart to record loans and repayments
Estate Planning Documents (Included)
✓ Will (coordinated with trust)
✓ EPA for Property
✓ EPA for Welfare
✓ Advance Health Care Directives
Trust Types & Pricing
We will advise on which structure is right for you. All prices include GST. Learn about each trust type →
- Flexible discretionary trust
- Maximum asset protection
- Tax planning flexibility
- All estate planning documents included
- Defined interest entitlements
- Great for blended families
- Clear, certain outcomes
- All estate planning documents included
- Protects wealth across generations
- Enhanced long-term provisions
- Ideal for significant assets
- All estate planning documents included
- Separate trust for each partner
- Protects pre-relationship assets
- Life interest provisions
- All estate planning documents included
Optional Add-On Trusts
Additional Costs
| Item | 1 Person | Couple |
|---|---|---|
| AML Compliance (required) | $276 | $322 |
| Corporate Trustee Company (optional) | $520 | |
| Property transfers into trust | Quoted separately | |
💡 What's Included in the Trust Price
For Family, Defined Interest and Multi-Generational trusts, the fee includes: trust deed, memorandum of wishes, enduring powers of attorney (property and welfare), advance health care directives, will, deed of loan/sale of assets, initial deed of gift, initial minutes, and a chart to record loans and repayments.
Example — Family Trust: $2,200 (1 person) / $2,750 (couple) + AML $276/$322 = $2,476 (1 person) / $3,072 (couple).
Business/Inheritance/Special Disability trusts include a trust deed, a simple memorandum of wishes, deed of loan, and initial minutes.
How to Get Started
Free Introduction
Book a free 15-minute meeting so we can understand your goals.
Quote & Terms
We confirm which trust type suits you and provide a written quote.
Complete Questionnaire
After you accept, complete our Estate and Asset Protection Questionnaire at home.
Review & Sign
We prepare all documents, review with you, and arrange signing.
Record your goals
Complete our Estate and Asset Protection Questionnaire in the comfort of your own home.
Download PDF Download Word Complete our Online Questionnaire
Online questionnaire — coming soon
Email completed questionnaire to reception@rossholmes.co.nz
Frequently Asked Questions
Yes. A will is still essential. It deals with any assets not held in the trust, appoints executors, and can include instructions such as guardians for children. We make sure your wills and trusts are properly coordinated.
It can be straightforward, but needs to be done carefully. We prepare the necessary sale, loan and gift documents and work with your other advisers to manage any tax or other implications.
A family trust is a single flexible trust for a couple or individual. Parallel trusts are two separate trusts — one for each partner — typically used where each partner wants to keep their pre-relationship assets separate and protect their own children. Learn more about trust types →
Yes. We regularly review trusts prepared by other firms. We can assess whether your trust complies with the Trusts Act 2019, still provides the protection you expect, and reflects your current wishes. Learn about our trust review service →
Typically 2–4 weeks from questionnaire completion to signing, depending on the complexity of your plan and how quickly you return information. We keep you informed at every stage.
Protect your family, your home and your business
Request a free, no-obligation trust-based estate plan quote — or book a free 15-minute introduction.