Click here to download your Legal Planning application
Click
here to download your Legal Planning application
Writing a Last Will and Testament is just part of your Legal Planning....This information is supplied by, and is the responsibility of, Allied Professional Will Writers Ltd which is regulated by the Society of Will Writers and Estate Planning Practitioners. The site which directed you here is merely suggesting us as a useful resource. Latest fees
Are you over 18?Wills and Lasting Powers of Attorney have been likened to love letter. It show your loved ones that you cared enough to spare them the problems of intestacy (no Will) and enabled them to look after you easily if the need arose.6 reasons to do some Legal Planning now:Procrastination is putting things off that you know you should do now and here is an opportunity not to! Not only can we help you start off your Legal Planning in as little as 30 minutes (day or evening with no time off work - it can be sorted out over the phone), our professional Consultants will speak to you in plain English! We can also help you to keep your Legal Planning up to date as your circumstances, taxation and the Law change through the years. Our Professional Maintenance Services is inexpensive, and requires your attention for just 10 minutes or so every year. As a point of interest, our consultants are required to carry out an absolute minimum of 20 hours professional training and updating specifically on Wills every year. Before you instruct anyone else, ask them to confirm in writing how many hours a year the person you will deal with spends specifically getting up to date training on Wills. The point is that you need the very best advice, and that can only come from professionals whose training is regularly updated. And it needs to be ongoing. Do be aware that the biggest "earner" for Banks and Solicitors in this field is Probate work - sorting out people estates after death. Why do you think some firms offer a "free" Will? This is indeed sometime difficult and even dangerous work, and we do agree that many family executors do need help - but they don't need a hard nosed bank or solicitor in charge who refuses to let the family help, and won't resign without being paid their full fee - even proper to doing any work, which can be as high as 5% + VAT of the value of the estate. Some solicitors charge their full hourly rate for the job (typically £150 to £200 + VAT an hour) and then have the unmitigated gall to slap on a "responsibility allowance" (it is a commission really) of as much as 1.5% of the estate (plus VAT, naturally!) For this reason we strongly recommend to our clients that they allow the SWW Trust Corporation to be there for the family - to help on the difficult bits, or to do the whole job if that is what is wanted. Does your family deserve less?Why not click the link and fill in the form and either FREEPOST or fax it to us?http://www.deathclock.com/ can give you a statistical guide as to when your time will be up (if you really want) but it can't predict accidents or incapacitating illnesses. We can help protect you and those you care about from some of the problems death or incapacity will bring. Your death is certain, and there is a pretty fair chance you will be incapacitated for long enough in your life - suddenly and catastrophically - for that to be worth giving some though to also. Some things to think about:
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| We can help you become and stay Legally Organised - click on, print off, and fill in the form now. You will never regret it - neither will those you care for. More info You can just pay for a standard Will in advance - we will discuss whether you need anything more sophisticated when you discuss matters with our Consultant; but a normal Will is a great step forward! |
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Inheritance Tax Planning with Wills The scope of Will to save Inheritance Tax has been reduced, but far from eliminated for Will Writing Professionals. Flexible Trusts can make sure the right people get the money at the right time. The need to have sound Legal Planning and the cost of not having it in place have never been greater, not only for unmarried people, but for all couples whether they be married (registered) or not. This side of planning remains neglected - but one cure is to become a client of ours and to join our ongoing Professional Maintenance Service. For comfortably off families, we recommend our Family Bank WillsThese enable you to create a Trust Fund which can be of benefit to your family or other beneficiaries for up to 80 years, which money gifted out or loaned out as appropriate. What better than a loan to help out a child in a troubled marriage without adding to the potential divorce settlement! Part of your estate could be being recycled to help great great great grandchildren buy their first homes. Your own children could even add to the fund! Security for generations to come is no small achievement! |
Asset Protection - Protective Property TrustsThere are many reason to consider Trusts;PROTECTING CHILDRENAgainst themselves, against those who would exploit them, against your estate going in a divorce settlement and many other issues including children who may never be able to cope with finances. COMMUNITY CARE "TAX"- the most vicious Tax of allThe Protective Property Trust has many other uses - protecting against creditors of a failed business, ensuring fair treatment of both a surviving spouse and children in the event of remarriage and much more..... Whilst Inheritance Tax ("IHT") may slow down the trickle of wealth "down the generations" by taxing it at a "modest" 40%, above the tax free allowance (nil rate band). Community Care Tax can come close to being a 100% tax on your total wealth. Under the "CRAG" Regulations (Charges for Residential Accommodation Guide) 70,000 houses are SOLD every year - rising - by Local Councils keen to disinherit your children and restock their coffers!!! Most of this drain is AVOIDABLE with proper long term planning! If your assets exceed £21,500 (the actual figures change slightly each year) and you need residential nursing care, the Government will contribute between nothing and a maximum of £100 p.w. to the costs you incur. These will typically be at least £500 a week. YOU must find the rest. Once your assets drop below around £22,500 you will receive a slightly higher contribution, until you fall below around £12,500 (these figures vary in different parts of the UK) the whole cost (up to a maximum set by your local Council) will generally be met by the Council. However, they are under a legal duty to recover as much as possible of these costs from your estate, and may well pursue people you have given significant gifts to. They can also take possession of and sell your home (if you own it) unless it is still occupied by an acceptable dependent. You must ACT EARLY - none of this saving is possible if you leave it too late, or if you already have an illness which can reasonably be expected to mean you will need residential care in future. When should you act? When you own a property with
a partner, you should consider whether Inheritance Tax or creditors (usually
Community Care Tax) are the major issue, and protect against one of them.
Our ongoing Professional Maintenance Service will help you to review your
options each year |
Making a Lasting Power of AttorneyLasting Power of Attorney (LPA) - everyone over 18 should have one (If you don't have anyone to act as attorney, or don't want to burden relatives, SWW Trust Corporation offers a relatively inexpensive service for running Finance LPAs) People tend to think that someone else will look after their financial and welfare matters if they become unable to manage through accident or illness or sheer old age. In point of fact, even a spouse cannot sort out everything. If you have not written an LPA in time: It will probably become necessary to ask for a Deputy to be appointed by the Court to manage matters. The Deputy may well be your spouse or child if the Court deems it appropriate, but everything they do will be scrutinised by the Court. The Court fee will be around £400, then further annual costs - plus solicitors fees which could be ten times as mush . The same applies to most businesses, which may go under if no-one can vote, deal with the bank, sign cheques etc. LPA's are sensible insurance, against something which could costs thousands of pounds a year if not planned for.Clearly it is much better (and cheaper!) to write an LPA for Finance issues and one for Welfare ones through us, appointing your partner, parents, spouse, co-director, children or a friend as Attorneys just in case. Perhaps 1 in 5 will need an LPA before retirement, and after retirement over half the population are likely to need one at some stage, whether through complete incapacity, or just because (whilst perfectly mentally capable) they just do not wish to cope with the stress of managing their affairs any longer. |
