your WillWills
July 3, 2020

Why your children may not inherit what it says in your Will!

What goes hand in hand with your financial advice that your client will be indebted to you for arranging for them? Estate Planning! – Your clients will forever be grateful…
jointly-owned propertyEstate Planning advice
June 3, 2020

What happens to jointly-owned property when someone dies without a Will?

This depends how the ownership of the property is structured at the Land registry. Married couples normally own property as "beneficial joint tenants", meaning the property goes entirely to the…
DIY WillWills
May 3, 2020

8 reasons why a DIY Will is the cheapest option!

A quick Google search will provide you with many options for this and a ‘DIY’ or "home-made or Online Wills" Will can seem like a simple and inexpensive solution. After…
April 3, 2020

Why tax and social services are among the 7 reasons you should make a will today!

It is relatively easy to make a Will – and it will ensure your family is saved from unnecessary anxiety at an already distressful time. Below are 7 reasons why…
Five reasons why you must write your WillWills
March 3, 2020

Five reasons why you must write your Will

 It is relatively easy to make a Will – and it will ensure your family is saved from unnecessary anxiety at an already distressful time. Here are the 5 reasons…
financial securityWills
June 3, 2019

How you can increase your ISA allowance

Did you know that you can inherit your partner's ISA tax free allowance savings? The new rules mean ISA assets can now be passed on to spouses or civil partners…
Why choosing your executors is so importantWills
June 3, 2019

Why choosing your executors is so important

What does an executor do? Your executor takes on the job of carrying out the instructions you leave in your Will when you die. It can be a difficult job…
potentially exempt transferEstate Planning adviceTaxes
May 3, 2019

How to get the most from a ‘potentially exempt transfer’?

This is a common way of gradually reducing your IHT liability. You don’t immediately incur Inheritance Tax when you make certain gifts while you’re alive. And if you continue to…
IHT-FREE allowancefinancial security
April 3, 2019

The £1m IHT-FREE allowance explained!

The impression the law was set out to give was that couples could leave behind £1m inheritance tax free. What actually happened was that there was an introduction of a…
March 3, 2019

Wife begs a judge to turn off ex-soldier’s life support machine

'Please let my husband die': Wife begs a judge to turn off ex-soldier's life support machine a year after he suffered severe brain injury in motorbike   A judge has…
buying through a TrustWills
February 3, 2019

Why buying through a Trust could save you £260,000 and leave you in control

Wealthy families will be able to buy properties for their offspring and avoid the higher rates of stamp duty thanks to a loophole involving the use of trusts. It is…
Why your children may never inherit your wealth!Wills
January 3, 2019

Why your children may never inherit your wealth!

Let me tell you of a horror story. Mr. Thrifty married to Mrs. Thrifty has ensured that he has paid off his mortgage on his £1m home (with your help) and hopes…
share of the housefinancial securityWills
December 3, 2018

Your share of the house is at risk despite you writing a Will

If you own a property with your partner or wife, it is important to know how it is being ‘owned’ at the Land Registry. Is it being held as Joint…
life insuranceWills
November 3, 2018

Why writing your life insurance into a Trust will save you thousands?

When you are planning your family’s financial future, it is prudent to take all the necessary steps possible to protect their standard of living. Arranging your life insurance in the right…
disinheriting your childrenWills
October 3, 2018

Thinking about disinheriting your children?

There has been an increase of 11.5% in the number of claims made by disinherited adult children seeking to challenge their deceased parent’s decision. The increase is suspected to have…
Inheritance taxTaxesWills
September 3, 2018

7 Ways to save Inheritance tax

Make a Will An important element of sound estate planning is to make a Will – unfortunately 70 per cent of adults with children under 18 fail to do so.…
Inheritance Tax liabilityTaxes
August 3, 2018

Why it is important to think about your Inheritance Tax liability

The tax is usually paid out of the funds in the estate, or from money raised from the sale of assets if the estate has no cash. However, you may…
How to use Trusts to ensure your estate is protectedfinancial securityWills
July 3, 2018

How to use Trusts to ensure your estate is protected

There are various kinds of Trust. You can write a Trust into your Will, while others you can set up as a separate entity. Some trusts will have to pay…
Letter of WishesWills
June 3, 2018

Why a Letter of Wishes is only a wish!

A Letter of Wishes is a private and confidential document, which can be drafted to be kept with a Will. A Will is legally binding, whereas the contents of a…
share of the estatefinancial securityWills
May 3, 2018

I don’t want my wife’s new husband to have my share of the estate!

Q: My wife and I want to write our Wills. We have two young children. I want to make sure that if I die before my wife that she gets…
Pensions and Inheritance Taxfinancial securityTaxes
April 3, 2018

IFAs: Pensions and Inheritance Tax?

It is important when giving advice on Pensions that the client is aware how this sits with Inheritance Tax Planning. Regulations concerning pensions have changed. Many of the changes concern…
Joint Tenants or Tenants in Common?Tenants
March 3, 2018

Joint Tenants or Tenants in Common?

In 2007 the Chancellor of Exchequer changed the law so that it became easy for married couples to transfer their Nil Rate Band (NRB) to each other on the first…
IFAs: Business Property Relief and Inheritance Taxfinancial securityTaxes
February 3, 2018

IFAs: Business Property Relief and Inheritance Tax

There are so many different facets to Estate Planning that clients just have not thought about. Why would your clients want to invest and save all their lives and then…
financial security
January 3, 2018

IFAs and WHY Estate Planning Law is Critical!

You value your client’s financial well-being. That is because you value the financial advice that you give and hope that you have a long lasting relationship. Your clients prosper and…