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Wills

Laws of intestacy

If you die without a will the Government will decide how your estate is divided under the laws of intestacy!

This could be extremely disruptive and upsetting for your remaining family. Your spouce may well be forced to share your estate with your parents and children. Moreover, if you and your partner were never married they may well end up with nothing.

A will becomes particularly important when making provision for young children because without one the authorities will decide who is most suited to continue their care.

Make a will

A professionally prepared will removes a lot of uncertainty. It will go some way to ensure the balance of your estate is divided between your beneficiaries as you wished. You should expect such a will to include such provisions as,-

• Specify whom you wish to inherit your estate, in what order and in what proportions so that you have comfort in the knowledge that your wishes will be carried out.
• Make specific legacies to family or friends or gifts to your favourite charities.
• Appoint suitable guardians for young children rather than leaving the decision to the Courts.
• Set up maintenance trusts for children to protect their inheritance until an age specified by you.
• Ensure the inheritance of your children or other beneficiaries should the survivor re-marry.
• Protect your share of the property from having to be sold to pay for the survivors future care fees, thus still having assets to leave to your family.
• Avoid paying 40% Inheritance Tax on your estate, so giving more to your chosen beneficiaries rather than the Government.

Amending an exisitng will

It is important you regularly amend your will to reflect your current circumstances. It is also good to ensure you are making full use of any tax reliefs that may be available.

Don't leave it to the government to decide how your estate is distributed. Let us help you set up your will. We are happy to bear the cost of your initial consultation giving you the chance to ask us questions on how you can make the right decisions for you.