Professional Estate Planning Services

Secure your family's future with legally sound wills, powers of attorney, and asset protection trusts. Expert guidance tailored to your unique circumstances.

Our Simple Process

We've streamlined estate planning to make it accessible and straightforward. Our expert-guided process ensures your documents are professionally prepared and legally valid.

Initial Consultation

We discuss your circumstances, objectives, and recommend the most suitable solutions for your needs.

Document Preparation

Our experts draft your legal documents with precision, ensuring they reflect your wishes accurately.

Review & Finalisation

We review the documents with you, answer any questions, and make necessary adjustments.

Execution & Registration

We guide you through the signing process and handle any necessary registrations with official bodies.

Transparent Pricing

Professional estate planning services at clear, competitive prices. All fees include VAT.

Single Will

£150

Individual Will Service

  • Comprehensive Will document
  • Expert consultation included
  • Executor guidance
  • Digital and printed copies
  • Secure document storage
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Mirror Wills

£240

Couples Will Service

  • Two complementary Wills
  • Inheritance tax planning
  • Guardian appointment for children
  • Digital and printed copies
  • Secure document storage
Get Started

Lasting Power of Attorney

£420

Per LPA Type

  • Comprehensive LPA document
  • Office of Public Guardian fees
  • Certificate provider service
  • Registration management
  • Secure document storage
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Expert-Approved. Fully Protected.

Every document we produce undergoes rigorous review by qualified estate planning specialists, ensuring complete alignment with your wishes and current legislation. Should any adjustments be necessary, we'll notify you before finalising your documents, providing complete confidence that your estate planning is professionally verified and legally compliant.

🎓 The Will Writers Academy

Comprehensive educational resources to help you make informed decisions about estate planning.

Last Will & Testament
Lasting Power of Attorney
Family Asset Protection Trust

Last Will & Testament

Securing Your Family's Future

What is a Will?

A Will is a legal document that specifies how your assets should be distributed after your death and who should be responsible for carrying out your wishes. It allows you to appoint executors, guardians for minor children, and make specific gifts to individuals or charities.

Benefits of Having a Will

  • Complete control over asset distribution according to your wishes
  • Appointment of trusted executors to manage your estate
  • Protection for unmarried partners who have no automatic inheritance rights
  • Appointment of guardians for minor children
  • Potential inheritance tax savings through careful planning
  • Reduction of family disputes and legal challenges

Consequences of Not Having a Will

  • Your estate is distributed according to intestacy rules, which may not reflect your wishes
  • Unmarried partners receive nothing under intestacy rules
  • Potential for higher inheritance tax liabilities
  • Delays in administering your estate and distributing assets to beneficiaries
  • Additional stress and legal costs for your family during a difficult time
60% of UK adults do not have a valid Will

Service Costs

Single Will: £150 | Mirror Wills: £240 | Will with Trust: from £975

Lasting Power of Attorney

Planning for Future Incapacity

What is a Lasting Power of Attorney?

A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people (called attorneys) to make decisions on your behalf if you lose mental capacity. There are two main types of LPA, each covering different aspects of your life.

Types of LPA

  • Property and Financial Affairs LPA - Allows your attorneys to manage bank accounts, pay bills, manage investments, and handle property transactions
  • Health and Welfare LPA - Covers decisions about medical treatment, daily care routine, and life-sustaining treatment

Who Can Make an LPA?

Any individual aged 18 or over who has mental capacity can create an LPA. You must understand the nature and scope of the authority you're granting to your attorneys.

Choosing Your Attorneys

When selecting attorneys, consider individuals who are trustworthy, reliable, and capable of making decisions in your best interests. You can appoint family members, friends, or professionals. Many people choose to appoint more than one attorney to act jointly or jointly and severally.

The Registration Process

LPAs must be registered with the Office of the Public Guardian before they can be used. The registration process typically takes 8-10 weeks. We manage this process on your behalf, ensuring all documentation is correctly completed and submitted.

What Happens Without an LPA?

Situation With LPA Without LPA
Managing finances if incapacitated Attorneys can act immediately Court of Protection application required (costly and time-consuming)
Medical decisions Attorneys can make decisions based on your wishes Doctors make decisions based on medical needs only
Access to joint accounts Uninterrupted access for attorneys Banks may freeze accounts
Cost Fixed, predictable cost Court fees and legal costs (typically £2,000-£5,000+)
Time to implement Immediate once registered Several months for Court of Protection application
Over 1 million people in the UK will have dementia by 2025

Service Costs

Health and Welfare LPA: £420 | Property and Financial Affairs LPA: £420 | Both LPAs: £750 (save £90)

Family Asset Protection Trust

Safeguarding Your Family's Inheritance

What is a Family Asset Protection Trust?

A Family Asset Protection Trust (FAPT) is a legal arrangement that allows you to place assets into a trust during your lifetime while maintaining a degree of control. The trust owns the assets, but you can benefit from them during your lifetime while protecting them for your chosen beneficiaries.

Key Benefits of an FAPT

  • Protection against care home fees assessment for a portion of your estate
  • Safeguarding inheritance from relationship breakdowns of beneficiaries
  • Protection from creditors and bankruptcy proceedings
  • Control over how and when beneficiaries inherit
  • Potential inheritance tax advantages with proper planning
  • Avoiding probate delays for assets held in trust

How Does an FAPT Work?

1
Trust Creation - We draft the trust deed specifying terms, trustees, and beneficiaries
2
Asset Transfer - Selected assets (typically property) are legally transferred into the trust
3
Lifetime Benefits - You retain the right to live in the property and receive income from trust assets
4
Asset Protection - Trust assets are protected from care fees assessment, creditors, and inheritance disputes
5
Beneficiary Inheritance - Upon your passing, assets pass directly to beneficiaries according to trust terms

Is an FAPT Right For You?

An FAPT may be suitable if you:

  • Own property and want to protect it from care fees assessment
  • Have concerns about beneficiaries' marriages or financial stability
  • Wish to provide for a vulnerable relative without affecting their benefits
  • Want to ensure specific assets pass to certain family members
  • Have a blended family and want to protect inheritance for children from previous relationships

Scenario: The Smith Family

Without FAPT: Mr. Smith requires residential care. The local authority conducts a means test and includes the family home in their assessment. Mrs. Smith is forced to sell the property to fund care costs, significantly reducing the inheritance for their children.

With FAPT: The Smiths placed their property in a Family Asset Protection Trust. When Mr. Smith requires care, only his personal assets are assessed. The property, held in trust, is protected and remains available for Mrs. Smith to live in, eventually passing to their children according to the trust terms.

1 in 3 people will require residential care in their lifetime

Family Asset Protection Trusts require specialist advice. Book a consultation to determine if this solution is appropriate for your circumstances.

Book a Consultation

Care Home Fees & Financial Assessment

Understanding the Financial Implications

Payment of Care

  • While the state should ideally fund care, limited resources mean many individuals must contribute
  • Local authorities face increasing financial pressure due to budget constraints
  • Applications for care funding are rigorously assessed to determine individual contribution levels

The Care Act 2014

  • The Act establishes a clear framework for care funding and assessment
  • Implementation varies between local authorities based on interpretation and available resources
  • Some authorities pursue full cost recovery when budgets are constrained

How Local Authorities Assess Finances

  • Comprehensive assessment of all assets, including property, savings, and investments
  • Determination of how much individuals should contribute toward care costs
  • Many people fear losing assets they've worked a lifetime to accumulate

Deliberate Deprivation of Assets

  • Local authorities can challenge asset transfers made to avoid care fees
  • They must demonstrate the primary purpose was to avoid care costs
  • Timing and motivation are critical factors in such assessments

How We Can Help

  • Comprehensive explanation of all available options and their implications
  • Guidance on legitimate estate planning that withstands scrutiny
  • Clear communication of risks associated with different approaches
  • Ensuring you make fully informed decisions about your assets

Important Considerations

Asset protection planning should be undertaken before care is anticipated, with legitimate estate planning motives. We provide transparent advice about the timing and appropriateness of different strategies for your specific circumstances.

Client Testimonials

Hear from individuals and families who have secured their futures with our professional estate planning services.

Professional Estate Planning Consultation

Discuss your specific circumstances with our specialists to determine the most appropriate solutions for protecting your assets and providing for your loved ones.

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Professional Affiliations