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Funeral Planning
Articles

The Cost of Dying: Why Planning Ahead Has Never Mattered More

A recent Metro article has highlighted a heartbreaking reality: many parents in the UK can no longer afford to die. With funerals now costing thousands, more and more families are turning to credit cards, crowdfunding, or personal loans just to say goodbye. One father in the article shared that he had asked his children to cremate him without a service, not out of preference, but to spare them the financial burden. It’s a stark example of how rising funeral costs are creating emotional and financial distress at an already devastating time. At SLS Wills and More, we hear these stories far too often. But it doesn’t have to be this way. The rising cost of funerals The average cost of a basic funeral in the UK has now surpassed £4,000, and that’s before you consider flowers, transport, a wake, or other extras. Many families simply aren’t prepared, especially when the death is unexpected. What follows is often a scramble to cover costs while navigating grief and legal responsibilities. There is a better way, plan ahead With 38 years of experience in estate planning, Sara from SLS Wills and More has supported thousands of families through these moments. She knows that forward planning is one of the most caring things you can do. Here’s how we help: 1. Create a WillYour Will is not just a legal document, it’s a gift to your family. It can include your funeral wishes, name your executors, and ensure your estate is managed smoothly. 2. Explore FCA-regulated funeral plansPre-paid funeral plans allow you to lock in today’s prices and protect your family from rising costs. Since 2022, these plans are regulated by the Financial Conduct Authority (FCA), which means you’re protected by law. Only FCA-authorised providers can sell plans, removing the risk of poor value or hidden clauses. We only work with trusted, regulated partners and explain everything in plain English. 3. Consider Lasting Powers of Attorney (LPAs)An LPA ensures someone you trust can make decisions for you if you lose capacity. It’s a vital part of planning ahead, particularly for health and financial matters. Alternatives to traditional funerals Many people are now choosing simpler, more affordable or environmentally conscious options: You don’t have to follow a traditional route, and knowing your options in advance means your wishes can be respected. Why choose SLS Wills and More? Sara is a full member of the Society of Trust and Estate Practitioners (TEP), a Fellow of the Society of Will Writers, and a tutor at the College of Will Writing. She also mentors newly qualified Will writers and has built a 5-star reputation locally, with over 54 five-star Google reviews. We’re proud to offer clear, professional advice with no pressure and no jargon, just honest, experienced guidance tailored to your needs. Let’s start the conversation We know it’s not easy to talk about death, but it’s harder to deal with it unprepared. Whether you’re looking to write your Will, put a funeral plan in place, or simply understand your options, we’re here to help. Book a free chat with Sara todayCall us or book online at www.slswillsandmore.co.uk

Charitable legacies
Articles, Uncategorized

Charitable Gifts in Wills: A Win for Your Loved Ones and Your Favourite Cause

Many people don’t realise that they can support the causes they care about through their Will, without taking anything away from the people they love. In fact, leaving a gift to charity in your Will can help reduce Inheritance Tax and leave a meaningful legacy long after you’re gone. Despite this, research shows that while 1 in 3 supporters over the age of 40 say they’d consider leaving a gift to charity, most never do, simply because no one asked them to. At SLS Wills and More, we want to help change that. Why consider a charitable gift in your Will? Charitable legacies help fund thousands of vital services across the UK, from cancer research and animal rescue to local hospices and community support. Even a small gift can make a big difference. You don’t have to choose between family and charity. With careful planning, you can support both. A charitable gift could also reduce the Inheritance Tax payable on your estate. If you leave at least 10% of your net estate to charity, the overall IHT rate on the remainder of your estate may be reduced from 40% to 36%. This can mean your chosen causes benefit, and your family still receives more than they might otherwise. What can you leave? There are several types of charitable gift you can include in your Will: 1. A fixed sum (pecuniary gift)E.g. “I leave £1,000 to Cancer Research UK.” 2. A specific itemE.g. A painting, a piece of jewellery, or even shares. 3. A share of your estate (residuary gift)E.g. “I leave 5% of my estate to Air Ambulance Kent Surrey Sussex.” Residuary gifts tend to have the most long-term impact and are often the simplest way to make a difference. It should also be noted that the examples above may not be legally binding and propert advice and wording should be used. When we draft Wills, we use the correct language and gift structures. How to choose a charity You might already have a cause close to your heart – one that supported you or a loved one, or something you’ve always admired. If not, consider what values matter most to you. Do you want to support medical research? Help animals? Protect the environment? Support a local group? You can leave gifts to national or local charities, and we can help you ensure your Will includes the correct charity name and registered number to avoid any confusion. Making it simple At SLS Wills and More, we’ll guide you through the process so your charitable wishes are clearly set out and legally sound. We also offer guidance on talking to family about your plans, so everyone understands what matters to you and why. These conversations can be incredibly positive and give loved ones peace of mind. Leaving a legacy: If you’re thinking about including a charity in your Will – or just want to explore the idea – I’d be happy to chat. You don’t need to make a final decision straight away. Let’s talk about how your Will can reflect your values and create a legacy that lasts.

Will Writing UK
Articles

More Adults Making Wills – But Confusion Still Reigns: How SLS Wills and More Can Help

A recent article in Today’s Wills and Probate has revealed that more adults are taking the crucial step of writing a Will. Encouragingly, the 2025 Wills & Probate Report shows an increasing number of people understand the importance of planning for the future. However, despite this positive trend, significant confusion around the legal process still remains. Stats over the last 10+ years of SLS Wills and More being in existence have suggested that the number of people with a valid Will has remained roughly unchanged – 60% of the UK adult population don’t have a valid Will. At SLS Wills and More, we’re proud to see our client base continue to grow as more individuals seek expert guidance on Wills, estate planning, and probate. Yet, we recognise the ongoing confusion highlighted in the report: many people remain unsure about the steps they need to take, the legal terminology involved, and the consequences of getting it wrong. Our Approach: Open, Honest, and Accessible At SLS Wills and More, we believe that planning for the future should never feel overwhelming or intimidating. Led by Sara Sheppard TEP FSWW, a highly experienced practitioner with over 35 years in private practice, our firm is committed to providing a clear, open, and accessible service to everyone, whether you’re in East Kent or elsewhere across England and Wales. We encourage anyone, not just those local to us, to reach out if they have questions, no matter how small they might seem. It’s never too early or too late to seek advice, and getting the right information can make a real difference to your peace of mind and to your loved ones’ future. Why Choose SLS Wills and More? An Invitation to You If you’ve read the recent report and feel unsure where to begin, we warmly invite you to get in touch with SLS Wills and More. Whether you need a straightforward will, complex estate planning, or guidance on probate, we’re here to help, openly, professionally, and with your best interests at heart. You don’t have to be local, we proudly serve clients across England and Wales.

Abuse against elderley
Articles

The Hidden Cost of Abuse: Why Estate Planning Plays a Vital Role in Safeguarding Older People

£16.6 billion a year. That’s the shocking cost of abuse against older people in the UK. A landmark study from safer ageing charity Hourglass, released during Safer Ageing Week 2024, has brought to light the devastating economic and emotional toll that elder abuse takes on individuals, families, and society at large. At SLS Wills and More, we believe this is not just a social issue, it’s an estate planning issue too. And one that demands immediate attention from individuals, professionals, and policymakers alike. A National Crisis With a Personal Impact Hourglass’s report, The Economics of Abuse, reveals a bleak picture: These statistics are deeply troubling. But behind them are real people – parents, grandparents, neighbours – often suffering in silence. And while the financial cost is staggering, the emotional toll is incalculable. How Estate Planning Can Offer Protection While no legal document can prevent abuse on its own, robust estate planning is one of the most effective tools available for protecting older people from financial manipulation and harm. Here’s how: ✅ Lasting Powers of Attorney (LPA) A properly drafted LPA allows you to choose someone you trust to manage your financial and health decisions if you become unable to do so yourself. It can: At SLS Wills and More, we take extra care to guide clients through the process with empathy and clarity – always ensuring they fully understand who they are appointing and why. ✅ Carefully Structured Wills and Trusts Wills and trusts aren’t just about who inherits your estate – they’re about how they do. For example: ✅ Independent Document Storage At SLS Wills and More, we store wills and other key documents free of charge, securely and independently. This ensures they are not lost, altered, or destroyed by individuals seeking to manipulate an estate. We also maintain a clear, client-focused policy for access to stored documents, protecting your wishes at every stage of life. What You Can Do Now The abuse of older people is not inevitable. With the right plans in place, it can be prevented. Here’s how we can help: Support and Social Responsibility At SLS Wills and More, we take our role in safeguarding clients seriously, and not just through legal documents. We are proud to donate 5% of our profits to community causes including Hypo Hounds, Wildwood Trust, and Community Driving School CIC, and we advocate for stronger protections for vulnerable adults. We believe that planning for later life is about peace of mind, not just for you, but for those you leave behind. 📞 Call us on 01304 577998📧 Email hello@slswillsandmore.co.uk🌐 Visit www.slswillsandmore.co.uk

IHT Rules
Articles

New Inheritance Tax Rules to Impact Trusts and Family Businesses

What the latest consultation means for you and your estate planning Inheritance tax (IHT) has long been a complex area, especially for those with agricultural or business assets. Recent government proposals unveiled in the Autumn Budget 2024 are set to introduce significant changes to two key reliefs: Business Property Relief (BPR) and Agricultural Property Relief (APR). And while much of the public debate has focused on farmers and family businesses, it’s the implications for trusts that are now coming under scrutiny.At SLS Wills and More, we are closely monitoring these changes to ensure that our clients – individuals, families, and trustees – remain informed and protected. What’s Changing? From 6 April 2026, a new £1 million cap will apply to the combined value of property eligible for full 100% relief under BPR and APR. Once this threshold is exceeded, further qualifying property will only receive relief at 50%. Previously, someone with £2 million in qualifying business property could pass that on entirely IHT-free. Under the new rules, £1,000,000 could become taxable (subject to the nil rate band and any spousal exemptions and would be taxed at 20% instead of 40%). Critically, it seems, this cap is not transferable between married couples or civil partners, an issue that may require many people to revisit and revise their wills to avoid wasting relief. Trusts in the Firing Line The current government consultation, open until 23 April 2025, is focused specifically on trusts that contain business or agricultural assets. Here are the key takeaways: Practical Impacts for Our Clients At SLS Wills and More, we understand that these changes could create practical and financial challenges: How Can You Prepare? These new rules don’t take effect until April 2026, but waiting until the last minute is a risk. Whether you have business assets, agricultural property, or use trusts as part of your estate planning, now is the time to review your arrangements. If you’re a trustee or acting under a Lasting Power of Attorney, you’ll want to understand how these changes might affect your responsibilities. And if your will involves trusts or passes on business or farming property, it may need updating. We’re Here to Help At SLS Wills and More, we combine in-depth legal expertise with a personal approach to ensure your estate planning reflects both current law and future changes. We’re always happy to provide guidance on the latest developments – and we’ll help you take practical steps to safeguard your legacy. 📞 Call us on 01304 577998📧 Email hello@slswillsandmore.co.uk📍 Or visit us at Office 4, Garrity House, Miners Way, Aylesham, Canterbury CT3 3BF And remember, we’re proud to support the community, donating 5% of our profits to local causes like Hypo Hounds, Wildwood Trust and Community Driving School CIC. When you plan with us, you’re also giving something back.

Professional Standards Board
Articles, Updates

Sara Sheppard Appointed Vice-Chair of The Society of Will Writers Professional Standards Board

SLS Wills and More is thrilled to announce that our founder, Sara Sheppard, has been appointed as the new Vice-Chair of The Society of Will Writers (SWW) Professional Standards Board (PSB), effective from 2025. This prestigious role reflects Sara’s unwavering commitment to enhancing consumer protection and professional standards across the Will Writing sector. Since launching SLS Wills and More, Sara has been dedicated to maintaining the highest standards in her practice. A key part of her journey involved joining the SWW to uphold a commitment to excellence and ethical practice. Over the years, she has taken on various roles, including serving as a regional representative and a tutor for The College of Will Writing. Her contributions have consistently supported the SWW’s mission to improve professional standards within the industry. Upon her appointment, Sara expressed her enthusiasm, saying: “I’m thrilled to be able to continue to support the great work the PSB is doing and look forward to continuing the work all of us on the PSB have been undertaking. Thanks to both Anthony Belcher at the SWW, Anthony Brinkman on the PSB, and of course, the rest of the board for a wonderful vision.” The SWW’s Professional Standards Board plays a crucial role in maintaining high standards of practice, ensuring consumer protection, and promoting professionalism within the Will Writing community. The board recently held its AGM, where Sara was unanimously voted in as Vice-Chair, succeeding Simon Brimage, who has served in this role for several years. Simon will continue his valuable contributions as a board member, helping to advance the PSB’s important work. Chair of the PSB, Antony Brinkman, commented on the transition: “The PSB extends its sincere thanks to Simon Brimage for his invaluable contributions as Vice Chair. His leadership over the past few years has been instrumental, and we are pleased that he will continue serving on the board for the benefit of all members. We also welcome Sara Sheppard as our new Vice Chair. A highly respected and long-standing board member, Sara has led numerous projects and played a key role in our recent programs. Her experience and dedication make her the perfect choice for this position.” Sara’s new role as Vice-Chair is not just a recognition of her hard work and dedication but also a testament to her vision for the future of the industry. At SLS Wills and More, we are immensely proud of Sara’s achievements and are confident that her leadership will continue to inspire excellence and innovation within the profession. Please join us in congratulating Sara on this significant achievement! For more information about SLS Wills and More or our services, please visit our website or contact us at hello@slswillsandmore.co.uk.

Testamentary Freedom
Articles

Growing concerns regarding final wishes in Wills…

A recent article by Ben Wilkinson in The Telegraph highlights a growing concern among individuals regarding the security of their final wishes as expressed in their Wills. The piece discusses the case of Roger Howe, who deliberately excluded his daughter from his £1.4 million estate, only for the courts to later award her a significant portion of it. This situation underscores the complexities surrounding testamentary freedom and the potential for legal challenges under current UK inheritance laws. Understanding Testamentary Freedom and the Inheritance (Provision for Family and Dependants) Act 1975 In England and Wales, individuals have the right to distribute their estate as they see fit, a principle known as testamentary freedom. However, this freedom is not absolute. The Inheritance (Provision for Family and Dependants) Act 1975 allows certain individuals, including spouses, children, and dependants, to contest a Will if they believe it does not make “reasonable financial provision” for them. This legislation aims to balance an individual’s testamentary wishes with the needs of those who were financially dependent on them. The Implications of Recent Legal Challenges The case of Roger Howe is not isolated. There has been a notable increase in inheritance disputes reaching the courts, often resulting in significant legal fees and the redistribution of estates contrary to the deceased’s explicit wishes. Factors contributing to this trend include rising property values, complex family dynamics, and greater awareness of legal rights among potential claimants. Strategies to Safeguard Your Estate To minimise the risk of your will being contested, consider the following steps: While the law provides mechanisms to protect dependants from being unfairly disinherited, it’s essential to take proactive steps to ensure your estate is distributed according to your wishes. By engaging in thoughtful estate planning and seeking professional guidance, you can uphold the integrity of your final wishes and provide clarity for your loved ones. At SLS Wills and More, we are committed to helping you navigate these complexities with expertise and compassion. Our team is dedicated to ensuring that your estate planning reflects your intentions and provides for your loved ones appropriately. It’s worth noting that our founder – Sara Sheppard has over 37 years experience in this field, is TEP qualified and is a Fellow of the Society of Will Writers.

Will Writing in England and Wales
Articles

Will Writing in England and Wales

Will Writing in England and Wales: What You Need to Know When it comes to writing a Will, many people assume the rules are the same everywhere. However, inheritance laws vary significantly between countries, and even within the UK, different jurisdictions have their own legal frameworks. At SLS Wills and More, we specialise in Will Writing and estate planning under the laws of England and Wales. While we’re based in Kent, we serve clients across the whole jurisdiction, offering both face-to-face and Zoom appointments to make the process as convenient as possible. But what makes England and Wales unique in terms of Wills? And how do other countries approach inheritance differently? Let’s take a closer look. The Legal Framework in England and Wales In England and Wales, Wills are governed by the Wills Act 1837. This legislation sets out the requirements for a valid Will: ✅ The person making the Will (the testator) must be over 18 and of sound mind.✅ The Will must be in writing.✅ The testator must sign the Will in the presence of two independent witnesses.✅ The witnesses must also sign the Will in the presence of the testator. These formalities ensure that Wills are valid and legally enforceable. However, this approach differs significantly from other countries, where alternative forms of Wills, such as handwritten notes, electronic documents, or even text messages, have been accepted by courts. This might change this year but we’re yet to know. How Inheritance Laws Differ Around the World Forced Heirship – The Law in Many European Countries Unlike England and Wales, many countries have a system of forced heirship. This means that certain family members, usually children and spouses, are automatically entitled to a share of an estate, regardless of what the deceased may have wanted. For example: By contrast, in England and Wales, people have testamentary freedom – meaning you can leave your estate to whoever you choose. However, the Inheritance (Provision for Family and Dependants) Act 1975 allows certain people, such as spouses, children, and dependants, to make a claim if they believe they’ve been unfairly left out. So, if you’re looking to make an exclusion in England or Wales, it’s important to cover your back and get professional advice. Modern Approaches – Australia and the “Text Message Will” Some countries have moved towards a more flexible approach to Wills. One of the most striking examples comes from Australia, where courts have been willing to accept unconventional Wills. In 2017, a judge in Queensland ruled that an unsent text message found on a deceased man’s phone could be considered his Will. The message, which left his estate to his brother and nephew, was never sent, but the court decided it reflected his final wishes. While England and Wales still require strict formalities, this case raises an interesting question: should inheritance laws evolve to reflect modern technology? A Recent Example – The Wanted and the “Notes App Will” Closer to home, the importance of formalising a Will was highlighted by a band. The case of Tom Parker, a member of the band The Wanted. Following his tragic passing in 2022, it emerged that he died without writing a Will. His band-mate, Max George, recently went into the hospital to have a pacemaker fitted and reportedly had written a Will using the notes app on his phone. Unfortunately, under the law of England and Wales, a Will written in a phone’s notes app is not legally valid, as it doesn’t meet the requirements of the Wills Act 1837. This meant that his estate was at risk of being distributed under intestacy rules rather than according to his wishes had the op gone south. This case serves as a stark reminder that good intentions aren’t enough, a Will must be properly executed to be legally recognised. What’s Important When Writing a Will in England and Wales? If you want to ensure your wishes are followed, the following points are crucial: 1. Get Your Will Drafted Properly A DIY Will, an unsigned draft, or a note on your phone simply won’t be legally valid. Working with a professional Will Writer ensures everything is done correctly. 2. Consider Who Might Make a Claim Even though you have testamentary freedom, certain individuals (such as spouses, children, and financial dependants) may be able to challenge your Will if they believe they have not been adequately provided for. Thoughtful planning can help reduce the risk of disputes. 3. Keep Your Will Updated Life changes, marriage, divorce, children, property purchases, so your Will should change too. Reviewing it regularly ensures it still reflects your wishes. 4. Make Sure It’s Properly Stored A Will must be stored safely and be accessible when needed. At SLS Wills and More, we offer secure Will storage services, so you don’t have to worry about losing your original document. We Serve Clients Across England and Wales Although we’re based in Kent, our services are available to clients across England and Wales. Whether you prefer a face-to-face appointment or a Zoom consultation, we make the Will Writing process straightforward, professional, and tailored to your needs. Don’t risk leaving your estate to chance. Ensure your wishes are legally protected with a professionally drafted Will. Call us: 01304 577998Email us: hello@slswillsandmore.co.ukVisit our website: www.slswillsandmore.co.uk Secure your future. Protect your loved ones. Write your Will today.

Pete's Dragon
Articles, Uncategorized

Who remember’s Pete’s Dragon…

There is an irony when we say that not a lot of people saw it… The Dragon, not the film… That’s because the Dragon was invisible. Disney’s Pete’s Dragon may be best remembered for its heart-warming friendship between a young boy and a gentle, invisible dragon, but lurking behind the cheerful songs and enchanting special effects is a cautionary tale about the fate of children left without proper legal guardianship. If we imagine Pete’s situation playing out under the laws of England and Wales, it becomes clear just how vital it is to secure your children’s future through meticulous estate planning. Pete’s Predicament: Life Without a Safety Net In Pete’s Dragon, the orphaned Pete finds himself in dire straits. Originally taken in by the unscrupulous Gogan family, Pete flees their abuse to roam free with his friend, Elliot the dragon—an unseen protector. Without parents or a proper guardian, Pete’s wellbeing is left to chance. In the real world, however, society and the law have mechanisms designed to prevent vulnerable children from facing this uncertainty. If Pete’s parents had passed away in England and Wales without leaving a valid Will that named guardians, the courts would step in to determine who should care for him. While the courts endeavour to choose a guardian who can provide a stable, loving home, this process can be lengthy, stressful, and not always in line with what the parents would have wanted. Much like Pete’s dangerous brush with the Gogans, the wrong caretaker might emerge if there’s no clear legal guidance—highlighting the importance of appointing trusted guardians in your Will. The Role of Guardianship Clauses Had Pete’s parents named suitable guardians in a legally valid Will, the transition to a new home would have been far simpler. Instead of roaming from place to place, hoping for the kindness of strangers (or the protective presence of a magical dragon), Pete could have enjoyed the security of a home chosen by his parents. Such a guardian would look out for his best interests, ensuring a positive upbringing, proper education, and moral guidance—a stark contrast to the haphazard protection offered by Elliot’s invisibility trick. Controlling the Purse Strings: Trusts and Financial Security As an orphan, Pete not only needs loving guardians, he also needs financial security. If his parents had assets—whether modest savings or a family home—a well-crafted Will could have included a trust. A trust ensures that funds are safeguarded and managed responsibly on a child’s behalf until they reach a specified age. This might have prevented Pete from being taken advantage of by those more interested in his financial potential than his welfare. Whereas Elliot’s magical presence provides protection from harm, trusts offer a more practical, legal shield, safeguarding against misuse of funds and ensuring that they’re used exclusively for the child’s maintenance, education, and future prospects. Preventing Predatory Figures from Gaining Control In the film, Dr. Terminus, a charlatan ‘snake oil salesman’, attempts to exploit Elliot’s rarity and abilities for profit. In a real-world scenario, an unprotected child’s inheritance or estate might attract similarly unscrupulous individuals. Proper estate planning, with a trust overseen by reliable trustees, prevents ill-intentioned parties from capitalising on a vulnerable child’s inheritance. After all, trustees have legal responsibilities to protect and manage trust assets for the benefit of the trust’s beneficiaries. By having your wishes clearly stated, you give trustees the power to say “no” to predators and opportunists, and “yes” to anything that genuinely benefits the child’s welfare. Learning from Pete’s Story: Dickensian Echoes Pete’s Dragon has a kinship with many classic tales of orphans navigating a challenging world—a theme reminiscent of Dickensian England. Then as now, the absence of parental guidance and legal protections left children vulnerable to exploitation. Thankfully, modern legislation in England and Wales allows parents to set out their wishes and shield their children through legally binding documents. The lesson here is simple: whilst none of us can guarantee a life free of hardship, we can eliminate unnecessary uncertainty and risk for our loved ones by putting our affairs in order and it’s quite a simple process. How SLS Wills and More Can Help At SLS Wills and More, we understand that estate planning isn’t just about distributing possessions—it’s about providing for the future wellbeing of those dearest to you. Much like Elliot offers magical protection to Pete, our team offers you peace of mind by: In an unpredictable world, you can ensure your children don’t need a mythical dragon to feel safe and secure. Contact SLS Wills and More today, and let us help you build a legal safety net as steadfast as Elliot’s invisible wings.

Christmas at SLS Wills and More
Articles, Uncategorized

A Christmas Message from SLS Wills and More

As we approach the festive season, all of us at SLS Wills and More would like to take a moment to wish you a merry Christmas and a peaceful New Year. It’s a time for family and friends, gathering together (in person or virtually) to share in familiar traditions and create new memories. The past year has reminded us of the importance of family, security, and taking the time to plan for whatever the future may hold. While Christmas might not seem like the ideal moment to think about estate planning, there’s something reassuring in knowing that your loved ones will be well looked after, not just for the holidays, but for many years to come. At SLS Wills and More, we firmly believe that the greatest gift you can give your family is the certainty that comes with having a valid will, appropriate lasting powers of attorney, and a sound plan for the management of your estate. This forward-thinking approach is not just a legal safeguard—it’s a heartfelt gesture of love, care, and consideration for those closest to you. So, as you exchange presents, pull a cracker, and enjoy your Christmas pudding, consider if this year might be the one to give yourself and your loved ones that lasting peace of mind. If we can help, we’re only a call or email away. From our family at SLS Wills and More to yours: Merry Christmas, and our very best wishes for a bright and prosperous New Year. May 2025 bring comfort, joy, and the security of knowing that you’ve taken care of the things that truly matter. As a quick reminder, our festive hours can be found on our Contact Us page and on our home page.

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