A testamentary discretionary trust is one of those smart, behind-the-scenes tools that can make a big difference for your family’s future.

It’s set up inside your Will and only comes to life after you pass away — meaning there’s no cost, no admin, and no ongoing paperwork while you’re here.

Think of it as a safe little home for your assets, where a trusted person (the trustee) manages and distributes money to your loved ones in a flexible, thoughtful, and tax-efficient way.

Beyond keeping things organised, a testamentary trust helps protect what you’ve built from life’s surprises — like

-divorce,

-bankruptcy, or

-family disagreements.

All the while offering real tax advantages.

One example is children under 18 can even receive around $22,000 a year tax-free from investment income.

It’s a simple, powerful way to care for your family, protect your legacy, and make sure everything you’ve worked for continues to support the people you love most.