Specialist & Flexible Trusts
Protect your home, savings, business or land from care fees, divorce, creditors and sideways inheritance, and pass them safely to the next generation. A Trust is an empty safe, and you hold the keys.
Find out moreWills · Trusts · Powers of Attorney · Belfast & all of Northern Ireland
Keep your home and everything you have worked for safe for the people you love.
Trusts, Wills and Enduring Powers of Attorney explained in plain English by Northern Ireland's specialist. We come to you, on Zoom or face to face, with fixed prices and no jargon.
The only IPW member in Northern Ireland. £2 million professional indemnity insurance.
Only IPW member in Northern Ireland
£2m professional indemnity insurance
Adheres to the STEP will-writing code
Fixed prices, told up front
We come to you, Zoom or in person
IPW
member
Simple from start to finish
How it works.
No forms to wrestle with and no jargon. Just a friendly conversation, and we take care of the rest.
1
Book a meeting. A quick Zoom chat or a face-to-face by appointment, so we can get to know each other.
2
Tell us, in your own words, what you would like to happen, knowing you can change your mind in future.
3
We build a full picture of your situation, with the flexibility to cater for your changing needs.
4
We present your solution and a full breakdown of costs, and explain the next steps.
5
Your documents are checked, bound and ready to sign, and we record your Will on the National Will Registry as standard.
What we do
Specialists in protecting what matters.
Everything written around your life, in plain English, with the flexibility to change your mind as things change.
Flexible Wills
A Will written around your life today, with the flexibility to change your mind tomorrow without rewriting it.
Find out moreEnduring Powers of Attorney (NI)
Choose who manages your affairs if you ever lose capacity. Without one, a court decides, not your family.
Find out moreCare & Asset Protection Planning
Sensible planning so your home and savings are not entirely lost to care costs.
Find out moreInheritance Tax & Business Planning
Keep more of your estate in the family, and protect a business or farm for those who follow.
Find out moreNot sure where to start?
Tell us what is on your mind and we will point you in the right direction, with no obligation.
Book a free chatThe idea behind the key
A trust is an empty safe. You hold the keys.
Your trust only holds anything after you pass, and you leave the keys, your instructions, for how it should be shared. There is no yearly charge, and you can change those instructions any time without rewriting your Will.
It is the same key you see in our logo. Simple to picture, and it puts you in control.
In his own words
Prefer the one-minute intro?
Meet Dermot and hear, in plain English, how trusts and wills can protect your home and family.
Book a free chatProtecting your home in Northern Ireland
Could care costs take your home?
In Northern Ireland, if your assets are above £23,250 you pay for your own care, and nursing homes can run from £1,000 to £1,500 a week. With the right trust and the correct ownership of your home, tenants in common rather than joint, you can protect your home and savings and still look after your partner.
£23,250
The NI threshold. Above this you pay for your own care.
£1,000–£1,500
A typical nursing home, every week.
Your home
Kept safe with the right trust and tenants-in-common ownership.
Plain English
Questions I get asked all the time.
No. Picture your trust as an empty safe. It only holds anything after you pass, and you leave the keys with your instructions. There is no annual charge.
That is the beauty of a discretionary trust in your Will. You leave instructions on how things should be shared, and you can update them any time, without rewriting your Will.
With joint ownership, when one partner dies the other owns the whole home, which can then be at risk. As tenants in common you each own a share, so you can leave your half to whoever you choose while protecting your partner.
We recommend everyone has one. Lose capacity without an EPA and a court decides who manages your affairs, not your family. It may never be needed, but the consequences of not having it can be serious.
Your signed original is stored safely, and we record it on the National Will Registry as standard, so it can always be found.
At the last count, about 96. Do not worry, in our meeting I will explain in plain English exactly which one fits your situation.
Dermot O'Kane
Key Wills & Trusts
Dermot O'Kane
Adviser, Belfast & all of NI
Adviser, Belfast & all of NI
Your adviser
Meet Dermot O'Kane.
After many years in financial services, hearing "I really must get around to making a Will", I set out to master the areas most professionals avoid: trusts, inheritance tax and the unfairness of the care system.
I became the only IPW member in Northern Ireland, registered to advise across all UK jurisdictions, with £2 million of professional indemnity insurance. My strength is explaining complex things simply, with no jargon and a fixed price, told to you up front. Ask me as many questions as you like.
Only IPW member in NI
£2m indemnity
STEP code
All UK jurisdictions
Get in touch
Let's have a chat. No pressure.
Book a free Zoom call straight into my diary, or call 03330 11 77 10. We are based in Dunmurry, Belfast, and we are happy to come to you.