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Author name: Tom Stansfield

Christmas at SLS Wills and More
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Festive Cheer and the Gift of Estate Planning: A November Surprise from SLS Wills and More

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November. That curious month where Halloween is a distant memory, Bonfire Night smoke has barely cleared, and the first Christmas decorations start appearing in shops (we’re looking at you, early-bird supermarkets!). It’s also, controversially, when we at SLS Wills and More choose to talk about estate planning. Yes, we know – ’tis the season for mince pies, not meticulous paperwork – but hear us out. Why Estate Planning Makes the Perfect Gift While estate planning might not be at the top of your Christmas list, it’s the ultimate act of love for your family. Forget socks, chocolates, or yet another novelty mug – sorting your Will means giving the people you care about peace of mind and clarity when they need it most. It’s a gift that lasts far longer than a festive jumper (even one with twinkly lights). The Serious Bit (Wrapped in Tinsel) Did you know that more than half of adults in the UK don’t have a Will? That’s a lot of people leaving the fate of their hard-earned assets to the whims of intestacy rules. Now, imagine your Christmas dinner without a plan: no one knows who’s carving the turkey, your aunt insists on putting gravy on the pudding, and chaos reigns. Not exactly a joyful celebration. That’s what dying without a Will can feel like – but on a much bigger, messier scale. Take some time now, before the festive rush, to get your affairs in order. Think of it as a gift to your future self and your family. You’ll enjoy the mulled wine and mince pies all the more knowing you’ve ticked it off your list. Festive Hours (Mark Your Calendar!) We’re keeping our doors open longer than your average advent calendar but not quite until the bells toll on Christmas Eve. Here’s when you can catch us: Don’t Wait Until Next Year We understand that the festive period can feel a little manic, but it’s also the perfect time to reflect on what truly matters. Between wrapping presents and sipping eggnog, consider adding estate planning to your list. And if you’d rather not mix tinsel with trustees, don’t worry – we’re here to help you start 2025 on the right note. Now for the Joke (We Promised, Didn’t We?)Why was the turkey not invited to play cards?Because he was always gobbling! And on that festive note, remember: your estate plan is not just about what you leave behind but how you show your loved ones you care. Whether you’re a planner or a last-minute shopper, SLS Wills and More is here to help. Wishing you a very merry November (and an even merrier December). Don’t leave it to chance – leave it to us.

Wicked SLS
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Fairy Tale Estate Planning: Wicked, The Wizard of Oz, and Who Gets the Ruby Slippers?

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Welcome to the next enchanting instalment of our whimsical (yet serious!) series on estate planning through the lens of fairy tales. This time, we’re heading to the land of Oz – where tornadoes, witches, and ruby slippers create the perfect storm of estate planning conundrums. Apt with the launch of the new Wicked movie. What happens when a pair of magical shoes becomes the subject of a contested inheritance? Let’s dive in and explore the legal chaos of Oz. Who Owns the Ruby Slippers? The Wizard of Oz kicks off with a rather unconventional transfer of assets: Dorothy’s house crash-lands on the Wicked Witch of the East, inadvertently making Dorothy the new owner of the iconic ruby slippers. A fair inheritance? The Wicked Witch of the West certainly doesn’t think so. If Oz had a legal system – and we’re assuming it would follow the rules of England and Wales, because why not – the Wicked Witch of the West could have grounds for an inheritance dispute. The slippers, as part of the estate, might have been intended for her, but without a Will, we’ll never know. The Wicked Truth About Intestacy Let’s say the Wicked Witch of the East had passed away without a Will (tragically, houses falling from the sky don’t leave much time for paperwork). Under intestacy rules: But here’s where the ruby slippers become a problem. Dorothy, who isn’t related to the Wicked Witch at all, takes possession of them without any legal authority. Intestacy rules don’t cover “finders-keepers” scenarios, and this could lead to a lengthy legal battle worthy of a sequel. The Problem with Leaving No Plan The drama in Oz highlights what happens when no one takes control of an estate. The ruby slippers aren’t just an asset; they’re a symbol of power – and their ownership directly impacts the lives of others. Without a clear Will, disputes over who gets what can tear families (and fairy tale realms) apart. What Could the Wicked Witch of the East Have Done? A Modern-Day Dorothy Imagine Dorothy living in 2024 or soon to be 2025. She might think, “I don’t need a Will; I don’t own much besides a small Kansas farm and a dog.” Don’t get us started on the farm! But by the time she’s back from Oz with magical shoes and stories to tell, she’s acquired assets (and responsibilities) that need protection. Estate planning isn’t just for witches or wizards – it’s for everyone, whether you’re living in a castle, a farmhouse, or travelling by tornado. Lessons From the Yellow Brick Road From family disputes to unexpected inheritances, the world of Oz is a reminder of how important estate planning can be. Without clear instructions, even a simple estate (or a pair of shoes) can spark conflict. And while we can’t guarantee ruby slippers in your estate, we can promise peace of mind for you and your loved ones. The Final Curtain (and the Glinda-Approved Bit) Good witches, bad witches, or somewhere in between – we all need a plan for the future. Don’t leave your legacy to chance or flying houses. A well-drafted Will ensures your wishes are carried out, your loved ones are protected, and no one ends up clicking their heels in frustration. So, if you don’t have a Will yet, don’t follow the yellow brick road – follow us to SLS Wills and More! PS: Why don’t witches wear flat shoes? Because there’s no arch support in arch enemies.

Cinderella SLS
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Fairy Tale Estate Planning: Cinderella, the Wicked Stepmother, and Why You Need a Will

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Welcome back to the next chapter in our whimsical (but surprisingly serious) look at fairy tales and estate planning. Following the success of our hypothetical Simba case study, we now turn to another iconic tale: Cinderella. This time, we’re tackling the tricky topic of blended families, wicked stepmothers, and why having a Will is essential for ensuring your estate doesn’t end up in a pumpkin-shaped mess. The (Hypothetical) Estate of Cinderella’s Father Let’s imagine that Cinderella’s father was a wealthy gentleman who, like many parents, wanted to ensure his daughter was well cared for after his passing. Tragically, he didn’t make a Will – maybe he was busy organising the household or distracted by a suspiciously high dry-cleaning bill for his daughter’s rags. Under the rules of intestacy in England and Wales, Cinderella’s stepmother – as the spouse – would inherit the first £322,000 of his estate outright, plus half of the remainder. The other half of what’s left would go to Cinderella. But we know how that story ends: the wicked stepmother pockets her share and, with her less-than-saintly intentions, keeps Cinderella locked in the attic while her own daughters revel in riches. We call this sideways disinheritance. It’s a scenario that might make even the Fairy Godmother despair. The Problem with Intestacy Without a Will, you lose control over how your estate is distributed. In blended families – like Cinderella’s – this can lead to heartbreak and inequality. If Cinderella’s father had a Will, he could have protected her share of the inheritance, ensuring it was used for her benefit rather than being squandered on fancy dresses and ballroom tickets for her stepsisters. By appointing trustees, he could have also stipulated conditions for how and when Cinderella received her inheritance. For instance, releasing funds for her education (maybe those ballroom dance classes?) or for her future home – something she clearly needed after years of attic accommodation. What Could Cinderella’s Father Have Done? A Modern-Day Cinderella If Cinderella’s tale played out in 2024 or even 2025, she might have sought legal advice (hopefully before marrying into royalty – those pre-nups are tricky!). With a well-drafted Will and a bit of estate planning, her father could have avoided years of attic misery and set her on a clearer path to happily ever after. Lessons for All of Us Whether your family is more like Cinderella’s or closer to a Disney-esque dream, the importance of having a Will can’t be overstated. Blended families, second marriages, and stepchildren bring unique challenges to estate planning. Without proper provisions, your estate might not go to the people you care about most – and could lead to squabbles worthy of a panto. The Serious Bit in Fairy-Tale Wrapping It’s easy to overlook estate planning, especially when life feels like a whirlwind of chores and unexpected transformations. But the reality is this: making a Will gives you control, protects your loved ones, and ensures your wishes are carried out. So, don’t let your legacy be left to chance or at the mercy of a wicked stepmother. Whether you’re a prince, a pauper, or somewhere in between, make your estate plan your very own fairy-tale ending. And remember, if your pumpkin carriage breaks down on the way to our office, we’re here to help. The moral of the story? Don’t leave your estate planning to a bibbidi-bobbidi-boo – leave it to SLS Wills and More!

Lisa - SLS Wills and More
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6 Months in as a Consultant at SLS Wills and More

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Starting a new chapter at SLS Wills and more this year, has been a whirlwind of anadventure. Monday 10 th June I arrived at the office in Aylesham ready to meet the rest of theteam. The first couple of weeks I wondered more times than not, if I had made theright decision, would I ever understand it all, let alone remember it. As the weeksticked by, I continued my online training with the College of Will Writers, asking Saramore and more questions every day. By the end of July, I had completed all thetraining modules and was ‘ready’ to sit the three final exams. After what felt like forever (6 weeks) I received the new that I had passed!!Feeling nervous, I was able to start meeting clients with Sara to really learn theropes. No two clients have the same family dynamics or want the same things whenthey are planning for the future, so every day is definitely a school day. Probably one of the biggest obstacles and what I really wasn’t prepared for was themarketing and networking, connecting with other local businesses, buildingrelationships and not being afraid to ask questions. Another steep learning curve forme, but one I am beginning to enjoy and feel more at ease with. Here I am six months into this new career, seeing clients on my own now, with Saraand the SLS Wills and More team always on hand to help, encourage and support, Iam loving every minute.

Privilege Wills
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Privilege Wills in England and Wales: A Rare but Valuable Option

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In England and Wales, most individuals are familiar with standard Wills, created through legal documents that are signed and witnessed. However, there exists a lesser-known, yet still legally recognised, type of Will known as a “privileged Will.” While rarely used, a privileged Will can be invaluable for certain individuals facing specific circumstances. This article explains what a privileged Will is, when it can be made, and how it differs from a traditional Will. If you’re considering your estate planning options, understanding privileged Wills could be essential, especially if you or a loved one may need this unique form of testamentary instrument. What Is a Privileged Will? A privileged Will is a type of Will that can be created by certain individuals without the usual formalities required for a standard Will. Privileged Wills are recognised under English and Welsh law, but their application is strictly limited to particular situations, mainly involving those in high-risk environments, such as active military service. Because they do not require the same formal witnessing and signing requirements as standard Wills, privileged Wills provide a quick, flexible way for eligible individuals to make their wishes legally binding. Who Can Make a Privileged Will? In England and Wales, the right to make a privileged Will is reserved for two categories of individuals: It’s worth noting that while these two categories cover most privileged Wills, the term has also occasionally applied in instances where civilians find themselves in extreme danger, though this is far less common and not explicitly covered by legislation. How Do Privileged Wills Differ from Standard Wills? The main differences between a privileged Will and a standard Will involve formal requirements. For most Wills in England and Wales, specific steps must be followed for them to be legally valid: Privileged Wills, however, are not bound by these requirements. For example: These relaxed requirements make privileged Wills unique in the scope of English and Welsh law. However, once a privileged Will is made, it is still legally binding and will be treated as such in probate, provided the person was eligible at the time it was created. When Are Privileged Wills Used? Privileged Wills are rare because they apply only to those facing extreme conditions where traditional Will-making may not be feasible. Examples include: Considerations for Those Making a Privileged Will While a privileged Will can be highly beneficial in critical situations, it’s important to remember that it does come with some limitations: The Minimum Age for Making a Will in England and Wales In England and Wales, the minimum age to make a standard Will is 18. However, those eligible to make a privileged Will, such as young soldiers in active duty under the age of 18, may be permitted to create a privileged Will, reflecting the unique demands and risks associated with military service. Final Thoughts on Privileged Wills Although privileged Wills are infrequently used, they represent an important exception in English and Welsh law, reflecting the special needs of military personnel and others exposed to serious risks. Privileged Wills allow those individuals to ensure their wishes are honoured, even if they cannot complete a standard Will. For those considering a privileged Will, consulting with a specialist in Wills and estate planning, like SLS Wills and More, can offer clarity and guidance on this specialised topic. If you have further questions on privileged Wills or any other estate planning needs, feel free to contact SLS Wills and More to discuss how we can assist you.

The Budget
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The Chancellor’s Autumn Budget 2024: Impact on Estate Planning

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The Autumn Budget 2024, delivered by Chancellor Rachel Reeves, has introduced significant tax changes aimed at addressing fiscal shortfalls while pledging increased funding in crucial sectors. With the largest tax-raising budget since 1993, it has implications for estate planning that will affect individuals with assets and estates in the UK. Below, we delve into the measures directly impacting estate planning, including changes to inheritance tax (IHT), capital gains tax (CGT), and pensions. 1. Inheritance Tax (IHT) Changes and Freezes Frozen IHT Thresholds Until 2030One of the most consequential announcements for estate planners is the freeze on IHT thresholds, now extended until 2030. The nil-rate band remains at £325,000, and the residence nil-rate band is also frozen at £175,000. With these thresholds unchanged, as property values and assets appreciate, more estates will likely exceed these limits, bringing more families into the IHT net. Inheritance Tax on PensionsFor the first time, inherited pensions will be subject to IHT from April 2027. This new rule means that pensions passed down upon the death of the original owner will be considered part of the deceased’s estate for tax purposes, potentially increasing the IHT burden. Estate planners should consider strategies to mitigate this impact, including diversifying assets or exploring trusts. Changes to IHT ReliefsThe budget also outlined plans to make business property relief (BPR) and agricultural business relief (ABR) less generous. While the full details are yet to be disclosed, any tightening of these reliefs will reduce their effectiveness as estate planning tools, particularly for individuals with substantial business or agricultural assets. Those planning to rely on these reliefs should stay informed on how future adjustments could impact their estate’s tax exposure. 2. Capital Gains Tax (CGT) Increases CGT Rate ChangesThe Budget announced increases to CGT rates, which are effective immediately from 30 October 2024. The lower CGT rate rises from 10% to 18%, while the higher rate increases from 20% to 24%. These rates align with those on residential property gains, which remain unchanged. These adjustments mean that individuals disposing of non-residential assets will face higher CGT liabilities, underscoring the importance of careful asset management and timing of disposals. Impact on Business Asset Disposal Relief (BADR)The rate for Business Asset Disposal Relief, a vital relief for business owners planning for succession or retirement, will also increase to 14% starting 6 April 2025. This change will lessen the tax efficiency of transferring business assets, particularly for small business owners and entrepreneurs who previously benefitted from the lower 10% rate. Those considering business disposals should evaluate the timing and structure of these transactions to minimise CGT impact. 3. Pension Planning Opportunities Retention of Pension Tax ReliefWhile there was speculation that pension tax relief could be curtailed, the Chancellor opted to retain the current framework, allowing individuals to continue benefiting from tax-efficient pension contributions. This decision is positive for estate planners, as it preserves the value of pensions as a tax-effective way to build wealth over a lifetime. It may be wise for estate planners to encourage clients to make the most of their pension allowances, given the pending IHT changes on inherited pensions. Pension Credit and State Pension IncreasesBoth pension credit and the state pension will increase by 4.1% in 2025, a move aligned with the government’s commitment to the triple lock on pensions. This increase may enhance retirement planning outcomes, as clients will have slightly more income security in retirement. 4. Business and Property Implications for Estate Planning Impact of Corporate and Business Taxes on Estate ValuationsWith the corporate tax rate held at 25% and business rates relief extended for certain sectors, the economic environment for businesses remains challenging. This higher corporate tax rate and increased business rates could affect the value of businesses and commercial properties within estates. Those with significant business interests may wish to review their estate plans in light of these changes, particularly to mitigate any impact on estate value for heirs. Stamp Duty Land Tax (SDLT) ChangesThe Autumn Budget reintroduced higher SDLT rates for additional property purchases, with a surcharge on second homes increasing to 5% from 31 October 2024. This change could deter some from expanding property portfolios, which may influence long-term estate plans where property is a central asset. Estate planners may look to explore alternative asset classes or strategies to minimise SDLT liabilities. Planning Considerations in Light of the 2024 Budget For those with significant estates, the Budget highlights a few key actions to consider: The Chancellor’s Autumn Budget 2024 introduces several important changes for estate planning, with an emphasis on capturing more revenue from wealthier estates. Careful planning and timely decision-making will be essential for individuals to mitigate these impacts while navigating this new fiscal landscape.

The Lion King - and estate planning
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The Lion King – and Estate Planning

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Estate Planning Lessons from The Lion King: What Simba’s Story Teaches Us About Wills and Inheritance in England and Wales Disney’s The Lion King is more than just a heartwarming tale of courage, redemption, and the circle of life. Beneath the captivating animation and memorable songs lies a complex narrative about family dynamics, inheritance, and succession—key elements in the world of estate planning. If we reimagine the Pride Lands under the laws of England and Wales, the story offers intriguing insights into how proper estate planning can prevent a kingdom (or estate) from falling into the wrong hands. The Royal Lineage and the Importance of a Will In the film, King Mufasa rules over the Pride Lands with wisdom and benevolence. His heir apparent is his young son, Simba. However, tragedy strikes when Mufasa’s jealous brother, Scar, orchestrates his death and manipulates Simba into exile – spoiler alert! With both the king and the prince out of the picture, Scar seizes the throne. Had this scenario unfolded in England and Wales, the absence of a valid Will could lead to a legal quagmire. Under the Rules of Intestacy, if someone dies without a Will, their estate is distributed according to the Rules of Intestacy. As Mufasa’s direct descendant, Simba would be the primary beneficiary. Scar, being a sibling, would only inherit if there were no surviving spouse, children, grandchildren, or great-grandchildren. We already know that Simba’s mum – Sarabi would have benefited before Simba and certainly before Scar.  The Forfeiture Rule: Crime Doesn’t Pay Scar’s nefarious actions introduce the Forfeiture Rule into our hypothetical situation. This rule states that a person who unlawfully kills another cannot benefit from their death. In legal terms, Scar would be barred from inheriting any part of Mufasa’s estate due to his role in the king’s death. His claim to the throne (or estate) would be invalidated, leaving the kingdom in a state of uncertainty. Executors and the Search for Simba In the wake of Mufasa’s death, the responsibility to manage and distribute the estate would fall to the executors named in his Will. If no executors were appointed, the court would designate administrators. Their duties would include: – Identifying and Valuing Assets: Cataloguing the king’s holdings in the Pride Lands. – Settling Debts and Taxes: Ensuring any obligations are met before distribution. – Locating Beneficiaries: Making all reasonable efforts to find Simba. Again, we must remember that despite the fact that Simba was in line to inherit, Sarabi would likely have been sole executor and beneficiary, especially if there is no Will in place unless the Estate is in excess of £322,000. Any inheritance for Simba would have likely been when he became an adult. Picture him walking and singing the Hakuna Matata song). It would be this point when he inherits. Given that Simba is missing and presumed dead, the executors would need to demonstrate due diligence in their search should he be entitled to inherit. This could involve hiring tracing agents or making public notices. Until Simba is found or legally declared deceased, the estate cannot be fully settled. Presumption of Death and Its Implications If Simba remained missing for an extended period, the executors might consider applying for a Declaration of Presumed Death. Under the Presumption of Death Act 2013, a person can be declared dead if they’ve been missing for at least seven years with no evidence of being alive. This legal declaration would allow the estate to be administered, but it’s a lengthy and complex process that executors typically avoid unless absolutely necessary. Scar’s Illegitimate Rule and Adverse Possession Scar’s usurpation of the throne mirrors the concept of Adverse Possession—acquiring legal ownership of property through continuous possession without the owner’s consent. However, in England and Wales, adverse possession requires: – Uninterrupted possession for at least 10 years (for registered land). – An application to the Land Registry. – The original owner’s lack of objection. Scar’s rule fails on all counts. His possession is neither lawful nor uncontested, especially once Simba returns to assert his rightful claim. Parallels to Hamlet: A Tale as Old as Time Many critics draw parallels between The Lion King and Shakespeare’s Hamlet. Both stories involve a prince seeking to avenge his father’s death at the hands of an uncle. This timeless narrative highlights the chaos that can ensue when succession is disrupted—whether by foul play or lack of clear legal directives. For anyone who is a fan of The Last Kingdom, this is a similar story line for Uhtred, Lord of Bebbanburg. Lessons Learned: Safeguarding Your Legacy While most families won’t face royal betrayals or missing heirs, The Lion King serves as a metaphor for the importance of meticulous estate planning. Key takeaways include: – Draft a Comprehensive Will: Clearly outline how your assets should be distributed to prevent disputes. – Appoint Trustworthy Executors: Choose individuals who will act in the best interest of your beneficiaries. – Plan for Contingencies: Consider scenarios like missing beneficiaries or simultaneous deaths. Ok, so maybe this one isn’t too likely. – Communicate Your Wishes: Keep open lines of communication with your loved ones to minimise confusion. How SLS Wills and More Can Help At SLS Wills and More, we understand that estate planning can feel as daunting as reclaiming a kingdom. Our experienced team is here to guide you through every step, ensuring your legacy is protected and your wishes are honoured. Disclaimer: This article is for informational purposes only and does not constitute legal advice. 

Sara Sheppard SLS
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Meet Sara Sheppard: Your Trusted Expert in Estate Planning

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When it comes to estate planning, you want someone with knowledge, experience, and a genuine passion for helping people. With over 35 years of experience, Sara Sheppard, founder of SLS Wills and More, brings all this and more to the table. Based in Kent, Sara has dedicated her career to supporting individuals and families through the complex process of writing wills and organising estates. Her deep knowledge of estate law and her commitment to ongoing professional development make her one of the most respected estate planners in the region. Extensive Experience and Expertise Sara’s extensive experience has seen her work across a variety of settings, including solicitors’ practices and as a private estate planner. She launched SLS Wills and More in 2017 with a mission to provide reliable, professional estate planning services tailored to the needs of her clients across Kent. In a crowded field—there are an estimated 5,000 estate planners in England and Wales alone—Sara stands out due to her reputation for expertise, trustworthiness, and compassion. Estate planning is not just a career for Sara—it’s a vocation. She is a full TEP member of the Society of Trust and Estate Practitioners (STEP), a Fellow of the Society of Will Writers (FSWW), and serves on the SWW Professional Standards Board. Sara’s credentials demonstrate her dedication to maintaining the highest standards of professionalism. She is also a tutor for the College of Will Writing, helping to educate the next generation of estate planners. A Personal Approach Sara believes that estate planning should be a personal and supportive process. One of the most common concerns people have is about finding someone they can trust. Sara welcomes transparency and encourages potential clients to contact the Society of Will Writers (SWW) for verification of her credentials and standing. In fact, she takes great pride in the fact that,since her membership to the SWW in 2017, she has never had a single complaint lodged with the SWW. She’s also been a full member with STEP since 2003 and never had a complaint lodged against her with them either. Beyond her technical expertise, Sara is known for building genuine relationships with her clients. Her approachable nature and willingness to go the extra mile have earned her a waiting list of clients seeking will-writing appointments—a testament to her reputation. This is demonstrated in her Google reviews. Community Focus and Giving Back Sara’s commitment to her community extends far beyond her professional work. A firm believer in giving back, she donates a percentage of her business’s profits to local charities, helping to support causes close to her heart. Examples include HypoHounds, Wildwood and Community Driving School. She is also a long-time volunteer with St John Ambulance, further demonstrating her dedication to making a difference in her community. Building a Team for the Future Since founding SLS Wills and More, Sara has expanded her team and is now actively recruiting consultants to help meet the growing demand for her services. Even with the growth of her business, Sara remains closely involved with every client, ensuring that each receives the personalised attention and high-quality service that has become synonymous with her name. Sara’s leadership extends beyond her business. Until recently, she served as the regional chair for the Kent SWW Group, handing over the role to Kieran from Squiggle Consult. She also runs a supportive WhatsApp group for fellow SWW members, sharing advice and best practices to help others in the industry thrive. Awards and Recognition Sara’s dedication and excellence in estate planning have not gone unnoticed. She has been shortlisted for several industry awards, recognising her contributions and the exceptional service she provides to her clients. Why Choose Sara Sheppard? Choosing the right estate planner is a crucial decision. With so many options available—from private client solicitors to general high street solicitors and self-regulated estate planners—it’s important to make an informed choice. Sara’s combination of experience, expertise, and integrity sets her apart from the rest. She adheres to a code of voluntary regulation and accreditation, providing peace of mind to clients who want to ensure their estates are in safe hands. Sara Sheppard is not only an expert in her field, but also a compassionate and dedicated professional who takes the time to truly understand her clients’ needs. Whether you’re writing your first Will, updating an existing one, or managing complex estate matters, Sara is here to guide you every step of the way. If you’re considering estate planning and want someone you can trust with your time and investment, reach out to Sara Sheppard at SLS Wills and More. With her wealth of experience and commitment to her clients, you can be confident that you’re in the best hands possible.

Future of estate planning
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Changing the Narrative in the Estate Planning Sector: Prioritising Expertise Over Price

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Estate Planning in Recent Years In recent years, the estate planning sector has seen an increasing focus on online Wills, fuelled by digital advancements and shifting consumer behaviours. While the convenience and affordability of online Will writing services attract many, the narrative around estate planning has become worryingly focused on price rather than expertise. However, estate planning should not be reduced to a race to the bottom in terms of cost—it is, after all, about safeguarding your legacy and ensuring your loved ones are provided for in the way you intend. The Rise of Online Wills Recent research from Legacy Foresight has highlighted the growing prominence of online Wills, particularly among younger generations. The data shows that 83% of 35-44-year-olds and 71% of 45-54-year-olds don’t have a Will, with younger people being more likely to turn to online platforms when they decide to take this important step. As digital technology continues to permeate all aspects of our lives, it’s not surprising that many individuals turn to online services for the perceived simplicity and lower upfront costs. Yet, while online Will writing offers convenience, it may also create an environment where consumers make decisions based solely on price, rather than the quality of advice or expertise behind the service. The result? Wills that may not fully reflect the complexities of an individual’s estate, leading to unintended consequences for their families and loved ones. Expertise Matters in Estate Planning Estate planning is a deeply personal and often complex process. It’s not just about writing a document—it’s about making sure your assets are distributed according to your wishes, accounting for family dynamics, tax implications, and future needs. This level of consideration requires a deep understanding of legal and financial principles, which is why working with an expert is so important. A Will drafted without professional advice could potentially lead to costly mistakes, such as unclear instructions, mismanagement of assets, or even the risk of the Will being invalid. Furthermore, complexities such as blended families, businesses, and inheritance tax planning require more than a templated, one-size-fits-all approach. Expertise ensures that these intricacies are properly addressed, reducing the likelihood of disputes or legal challenges after your death. The Dangers of a “Price-First” Approach While it is understandable that people want to save money, choosing a Will writing service based solely on cost can have significant long-term implications. An improperly drafted Will or a failure to account for all legal obligations can result in substantial legal fees, tax burdens, and family disputes—outcomes that could far exceed the cost of using an experienced estate planning professional from the outset. Estate planning should be seen as an investment in your family’s future, not as an area where corners can be cut. A professionally drafted Will offers peace of mind, ensuring that your estate is handled with the care and expertise it requires. At SLS Wills and More, we believe that every client deserves a personalised approach, and our experience allows us to navigate even the most complicated estates with care and precision. Changing the Conversation It is time to shift the conversation in the estate planning sector away from price and back to the importance of quality and expertise. Consumers deserve to be informed of the risks involved in choosing a low-cost, cookie-cutter solution for something as important as their legacy. Estate planning professionals must continue to champion the value of personalised advice and comprehensive planning, ensuring that clients understand the potential pitfalls of cutting corners. At SLS Wills and More, we prioritise expertise above all else. Our founder, Sara Sheppard, has over 35 years of experience in the sector, is a Fellow of the Society of Will Writers, and holds TEP status—an internationally recognised qualification in trusts and estates. We are committed to providing our clients with the highest level of service, ensuring that their Wills are tailored to their unique circumstances, and that their legacies are protected. The Future of Wills: Striking the Right Balance As digital solutions continue to evolve, online Will writing services will undoubtedly play a role in the future of estate planning. However, it is crucial that these services do not become synonymous with cheap, one-size-fits-all solutions. Rather, there should be a balance—offering convenience and affordability without compromising on the level of expertise provided. As more individuals, especially younger generations, enter the estate planning market, we must ensure that they understand the importance of professional guidance. Estate planning is not just about the immediate, but about planning for future generations and ensuring that their financial affairs are in order. At SLS Wills and More, we are dedicated to helping clients navigate the complexities of estate planning with expert advice and personalised service. Contact us today to learn more about how we can help protect your family’s future and ensure your wishes are honoured.

Image of a cat and a dog under a blanket. Article for SLS Wills and more about pets and estate planning
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Estate Planning for Pet Owners: Ensuring Your Pets Are Cared for After You’re Gone

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What happens to your pets when you’re not here? For many of us, our pets are part of the family, offering companionship and unconditional love. However, when it comes to estate planning in England and Wales, it’s essential to make provisions for your furry friends, as pets cannot directly inherit money or property. Without a valid Will in place, the future care of your pets can become uncertain, leaving them vulnerable. What Happens Without a Will? If you pass away without a Will (known as dying intestate), your assets will be distributed according to the rules of intestacy in England and Wales. These rules make no provision for pets, meaning there’s no guarantee that your beloved animals will be cared for in the way you’d want. They could be left in the care of family members who may not be able or willing to take them in, or they might even end up in an animal shelter. Pets Can’t Inherit Money Directly Unlike in other countries, such as the United States, where some lucky pets have been left significant sums—such as the case of Leona Helmsley’s dog, Trouble, who inherited $12 million—pets in England and Wales cannot inherit directly under the law. This means you’ll need to make specific arrangements for their care in your Will. Options for Looking After Your Pets There are several ways to ensure your pets are taken care of after you’re gone: Ensure Your Pets Are Protected Estate planning isn’t just for distributing money and property—it’s about ensuring that the people and animals you care about are looked after. By including your pets in your Will, you can have peace of mind that they will be cared for according to your wishes. At SLS Wills and More, we can guide you through the process of creating a Will that reflects all your wishes, including the long-term care of your beloved pets. For more information or to discuss your estate planning needs, contact us today. Your pets are a part of your family—make sure they are cared for, no matter what happens.

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