
Wills
Protect Your Family and Legacy with a Customised Will that Reflects Your Wishes and Provides Peace of Mind.
Secure Your Legacy and Protect Your Loved Ones With a Professionally Crafted Will That Ensures Your Wishes Are Respected
WHY US?
Ensure Your Wishes Are Honoured
A professionally drafted Will specifies who inherits your estate, in what order, and in what proportions, ensuring your wishes are carried out.
Protect Your Family’s Future
Set up trusts for children to manage their inheritance until a specific age, appoint guardians for minors, and safeguard assets from being used for care fees.
Simplify Probate and Administration
Appointing Executors in your Will streamlines the process of estate administration, reducing stress and confusion for your loved ones during a difficult time.
Minimise Tax Liability
Effective Will planning can help reduce Inheritance Tax (IHT) on your estate, maximising the value passed on to your beneficiaries.
Avoid Intestacy Rules
Without a Will, the government decides who inherits your estate based on intestacy laws, which may not align with your wishes or family structure.
Find out more
From appointing guardians for children to setting up trusts and minimising inheritance tax, a Will safeguards your family’s future.
What Happens Without a Will?
If you die without a Will, the government decides how your estate is distributed based on the Rules of Intestacy. These rules may not align with your wishes, potentially leading to your spouse sharing assets with your children or other unintended outcomes. Only married or civil partners at the time of death are eligible under these rules, excluding divorced or legally separated individuals.
The Importance of a Will
A professionally drafted Will ensures your estate is distributed according to your wishes, offering peace of mind. It allows you to:-
Specify how and to whom your assets are distributed.
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Leave legacies to family, friends, or charities.
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Appoint guardians for young children.
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Establish trusts to protect children’s inheritance until a specified age.
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Safeguard assets from being used for a surviving partner’s future care fees.
Updating Your Will
Regularly review your Will every 2 to 5 years to reflect changes in your assets, circumstances, or legal requirements. This ensures your Will remains relevant and protects your estate effectively.
Note: Inheritance Tax planning, Will writing, and trusts are not regulated by the Financial Conduct Authority.-
A professionally drafted Will with a Children’s Trust ensures better control over your child’s inheritance, avoiding the complexities of a court-mandated trust.
Avoid Court Costs and Complexity
Without provision in a Will, a child’s inheritance is held in a court-managed trust until age 18, incurring unnecessary expenses and granting full access to the child at 18.Age Restrictions
Children’s Trusts allow parents to specify an age, such as 21 or 25, for inheritance access, ensuring greater maturity in handling funds.Trusted Management
Parents can appoint trusted individuals as trustees to manage the inheritance responsibly until the specified age, eliminating court involvement.Flexibility for Immediate Needs
Trustees can advance funds earlier for essential needs like education or medical care if deemed appropriate.Long-Term Provision for Disabled Children
Flexible trusts can ensure secure, long-term financial support for children with disabilities, tailored to their specific needs.
Note: Inheritance Tax planning, Will writing, and trusts are not regulated by the Financial Conduct Authority.
Executors appointed in a Will have the critical responsibility of administering the estate upon the Testator’s death. Their duties include:
Securing and Insuring Assets
Executors must secure the property and belongings, including changing locks and switching off utilities, and ensure that assets like the house and contents are properly insured.Handling Financial Obligations
They assess the estate’s assets and liabilities, calculate Inheritance Tax liability, complete required forms, and arrange payments with HMRC.Obtaining Legal Authority
Executors must secure a Grant of Probate to legally manage and distribute the estate.Managing and Distributing the Estate
They call in assets, settle debts, prepare estate accounts, and distribute the remaining estate according to the Will’s terms.Support for Executors
Family members often appointed as Executors may be unaware of their responsibilities. Professional assistance is available to guide and ease the burden during difficult times.Note: Inheritance Tax planning, Will writing, and trusts are not regulated by the Financial Conduct Authority.
Inheritance Tax (IHT) applies to estates valued above the IHT threshold of £325,000. The excess value is taxed at 40%unless the estate is left to a spouse, civil partner, or charity, or qualifies for specific reliefs such as agricultural or business relief.
Additional Allowances
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Residential Nil-Rate Band (RNRB): Estates benefit from an extra £175,000 allowance if the residence is passed to direct descendants. This allowance tapers for estates exceeding £2m.
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Combined Allowance: If both allowances are unused after the first death, a combined tax-free threshold of up to £1m may apply on the second death.
Changes in Pension IHT Rules
From April 2027, unused pension funds will be included in the estate for IHT purposes. Values exceeding the threshold will be taxed at 40%, unless passed to a spouse or civil partner.
Why Plan for IHT?
IHT rules are complex, and proper planning can reduce or eliminate its impact. Understanding these rules ensures your loved ones receive the maximum benefit from your estate.
Note: Inheritance Tax planning, Will writing, and trusts are not regulated by the Financial Conduct Authority.
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Our Team

Oliver Barat
Financial Adviser

Matthew Leadbetter
Financial Adviser

Gar-Lok Lau
Financial Adviser

Luke Kalsi
Financial Adviser

David Buckingham
Financial Adviser
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Ian Prideaux
Financial Adviser

Satwinder Thind
Paraplanner

Alice Howard
Office Manager

Jeanette Davis
Support Consultant