The Hidden Risk in Your Child’s Inheritance: Why a Lifetime Asset Protection Trust Beats a Standard Will
Most wealthy parents think their will or trust is enough—but there’s a silent risk almost no one talks about.
You’ve worked hard to build wealth and want to leave a legacy that secures your children’s future. But what if the way you leave that inheritance actually puts their future at risk? Most wealthy families assume that a basic will or even a simple trust is enough. The truth is, without advanced planning, your child’s inheritance could be exposed to divorce, lawsuits, creditors—even their own poor decisions. That’s where a Lifetime Asset Protection Trust comes in.
What Most Parents Don’t Know About Wills and Inheritances
A standard will gives your child a lump sum of money outright when they reach 18 or 21—or whatever age you choose. The problem? That money becomes theirs, free and clear. It’s no longer protected.
Real-life scenario: Imagine your 21-year-old inherits $500,000 and then gets into a car accident, starts a business that fails, or marries someone who divorces them a few years later. That inheritance can be wiped out—fast.
The Power of a Lifetime Asset Protection Trust (LAPT)
With a LAPT, you can give your child access to the wealth you’re leaving—without handing it over all at once. It allows them to use the assets for education, health, business opportunities, or buying a home, but keeps the inheritance legally protected from outside threats.
Benefits:
- Protected from divorce and spouses
- Shielded from lawsuits and creditors
- Can be customized with age-based distributions or milestones
- Encourages responsible financial stewardship
Why This Matters Even More for Wealthy Families
Affluent families are bigger targets. The more wealth your child inherits, the greater the risk. A LAPT lets you
build a fortress around your legacy—one that can last for generations.
How Mason Firm Helps You Get This Right
At Mason Firm, we help high-net-worth parents design smart estate plans with advanced trust structures like LAPTs. Our approach goes beyond forms and paperwork—we craft legacy strategies that reflect your values and protect your children long-term.
Ready to safeguard your child’s inheritance the smart way?
Schedule a Future-Proof Your Wealth Strategy Call today and learn how a Lifetime Asset Protection Trust can future-proof your family’s legacy. Click
here to schedule.
