Home > Resources > Estate Planning & Crafting a Lasting Legacy: Protected Giving for Your Loved Ones

Estate Planning & Crafting a Lasting Legacy: Protected Giving for Your Loved Ones

Picture of Roger Perrett

Roger Perrett

Executive Financial Advisor

The prospect of leaving an inheritance for your spouse and children is a powerful act of creating a lasting legacy. It’s a gesture that goes beyond the material, symbolizing your desire to make a profound contribution to their future financial well-being. However, as we delve into this narrative, we’ll explore the complexities that can arise when gifting an inheritance and unveil strategies to protect these funds from potential adversities, ensuring your legacy remains a source of support rather than vulnerability.

The Joy of Creating a Legacy

There’s immense joy in the act of gifting an inheritance to your loved ones. It’s a way to weave your presence into their future, providing them with a financial foundation to navigate life’s twists and turns. The prospect of making a fantastic contribution to their lives is both fulfilling and meaningful.

The Unseen Risks

Yet, in the tapestry of financial generosity, hidden threads of potential challenges emerge. What if your spouse were to remarry, or if your children’s relationships faced turbulent waters in the future? What if legal troubles or lawsuits became a reality? In these unfortunate events, the very inheritance you intended to be a beacon of support might end up in the hands of your spouse’s future ex-partner, your children’s ex-partner, or business creditors.

Protected Giving – A Shield for Your Legacy

The good news is that there’s a way to provide financial gifts while simultaneously safeguarding them from unforeseen events. Enter the concept of protected giving – a strategic approach that shields your inheritance from potential adversities. By structuring your gifts correctly, you can ensure they remain within the family circle, protected from external claims.

Strategies for Minimizing Tax

In addition to protection, there may be strategies to minimize tax implications for your loved ones if they choose to invest the inheritance. Understanding these strategies can further enhance the financial benefits for your beneficiaries, enabling them to make the most of the legacy you’ve entrusted to them.

Next Steps

If you aspire to leave a lasting legacy for your loved ones while shielding it from potential uncertainties, seeking professional advice is paramount. Our Financial Advisors can guide you on how to structure your inheritance in a way that provides both support and protection.

To discover how to achieve protected giving and explore strategies for minimizing tax implications, we invite you to contact us. Let’s work together to ensure that your legacy stands as a resilient source of support for your loved ones, even in the face of life’s unpredictable twists.


This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should obtain and consider the relevant Product Disclosure Statement and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Past performance is not an indication of future performance.

This presentation has been prepared and presented by Roger Perrett, Freshwater Wealth Management Pty Ltd CAR no.1307016, Alliance Wealth Pty Ltd AFSL No.449221. This information cannot be used or copied in whole or part without our express written consent.

While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information.

To the maximum extent permitted by law, no person including Alliance Wealth Pty Ltd nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

Share the Post:

Create wealth for you to enjoy

Start a conversation with us today and take the first step towards a prosperous financial future.

Let's Get Started

Claim the opportunity to meet our expert Financial Advisors, at no cost to you. Gain clarity on goals, get an action plan, and see how we can support your financial dreams.

Ready to get started? Fill out this form to contact our friendly team.

0412 004 665


8/309 George Street
Sydney NSW 2000