Services

Estate Planning

Ensures you can pass on your wealth to the people you choose, the people you love and care about...not the taxman.

Family Trust

Trusts do not need to be complicated nor expensive. In fact, a trust is one of the simplest ways of moving money out of a person's estate and reducing their Inheritance Tax bill. Many different assets can be held in trust, including investments, life insurance policies and pension scheme death benefits.

Inheritance Tax Planning

The Government’s new rule on the transferability of a person’s Nil Rate Allowance to a surviving spouse or civil partner has resulted in many people thinking that making a Will for tax purposes is no longer necessary. But nothing could be further from the truth. Dying without a Will could be great news for the taxman – but very bad for your loved ones' financial health.

Lasting Power of Attorney

Allows you to appoint a legally authorised person(s) to make decisions about your property and financial affairs in the event of your future incapacity.

Living Will

Enables your wishes to be documented, for example, if you wish to avoid any type of artificial form of life support, and to ensure there is no misunderstanding about the quality and care you desire.

Protection of Assets

Average life expectancy is increasing and people are living longer so there may well come a time when residential care becomes necessary. At that point, if your assets are not protected, your home will be sold and the proceeds used to pay for your long-term care.

Severance of Tenancy

If you and your spouse/partner have children and jointly own a property, it's far better to sever the tenancy agreement and each own half of the property. This means that if one of you dies, their share can go into a trust for the future provision of your children.

Will and Document Storage

Means your Will is safe, secure, can’t be lost or mislaid and is available to your executors. It’s not advisable to keep a Will in a safety deposit box because after your death your executors will not be able to open it without obtaining a court order.

Wills

Your precise wishes are documented and people of your choice can be appointed to deal with your estate. Expert advice is given regarding asset beneficiaries and persons expressly excluded from your Will, so there are no misunderstandings after your death.

Without a Will you could be putting your family’s future at risk, for example:

If you are married, it's possible your spouse may not inherit all of your property and possessions
If you are living with a partner, they may receive nothing at all
If you have children, the courts could decide their future and who looks after them
Your funeral arrangements may not be as you would have wished
You could cause legal wrangles and family squabbles after your death

A Will:

Gives you peace of mind
Ensures your possessions go to the people of your choice
Prevents arguments and misunderstandings amongst your family and friends
Safeguards the financial interest of your children
Looks after your children’s upbringing and appoints legal guardians to look after their education, health and welfare
Avoids problems that may arise after your death
Shows your friends and family that you cared enough about them to leave instructions and therefore save them extra heartache when they will already be very saddened by your loss