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Modern Law Awards We are thrilled to share that on 2 July 2025, at a glittering ceremony held at The Rum Warehouse in Liverpool, Sara Sheppard TEP of SLS Wills and More was recognised as a Highly Commended finalist in the prestigious Managing Partner of the Year category at the Modern Law Private Client Awards. A night to celebrate excellence This year’s awards brought the finest private client professionals under one roof. Sara faced formidable competitors, leaders in their field whose dedication and innovation have set the bar high. To be singled out as Highly Commended is testament to the dedication she brings to her role, especially considering the high calibre of nominees . Why this honour matters to us: Looking ahead Sara’s commendation is more than a badge of honour, and it’s not the fiest time her success has been recognised. The experience of being shortlisted, celebrated, and judged within such an esteemed forum is flattering but we’re focussed on the ‘day job’ – helping our clients with estate planning. Thank you To the Modern Law Private Client Awards for staging such an important event, and to The Rum Warehouse for hosting such a memorable evening. And of course, a heartfelt thanks to all clients and supporters whose trust in SLS Wills and More made this possible.

When the government makes tax changes, it’s rarely good news. In recent years, pensions have often been seen as a relatively safe and tax-efficient way to pass on wealth. However, from April 2027, that landscape is set to change. The Government has confirmed that pensions will be included in the taxable estate for Inheritance Tax (IHT) purposes when someone dies after the age of 75. This means more families could face unexpected tax bills, and those who thought they had their affairs in order may need to review their plans. What’s changing? Currently, if someone dies after the age of 75, the money left in their pension can still be passed on to beneficiaries. While the recipient may need to pay Income Tax when withdrawing funds, the value of the pension is not included in the deceased’s estate for IHT purposes. From April 2027, that will no longer be the case. Instead, the value of any untouched pension pots will count towards the total estate value and may be taxed at 40% if the total estate exceeds the IHT threshold. What does this mean for your Will? Although pensions are not passed on through your Will, they are a key part of your estate planning. If your pension pot is large or you have other assets that bring your estate close to the IHT threshold, you could end up unintentionally increasing the tax burden on your family. This makes it more important than ever to think about your overall legacy – not just what’s written in your Will. Practical steps to take Here are a few things to consider: 1. Review your pension nomination formsMake sure your pension provider has up-to-date details of who you would like to receive your pension. This is separate to your Will but just as vital. 2. Talk to a professional about trustsIn some cases, setting up a trust or making a lifetime gift may be more tax-efficient than relying solely on pension nominations. 3. Revisit your WillEven if your Will was written recently, this change could affect how much your loved ones receive. It’s worth booking a review to ensure everything still aligns with your wishes. 4. Think about charitable givingLeaving 10% or more of your estate to charity could reduce your overall IHT rate from 40% to 36%. If you were already considering a gift to charity, this might make it even more worthwhile. Don’t leave it too late At SLS Wills and More, we believe that estate planning should give you peace of mind, not hidden surprises. These upcoming changes mean now is a great time to review your affairs and make sure your wishes will be carried out in the most tax-efficient way. If you’d like to talk through your options, I’d be happy to help. You can book a free 20-minute call at a time that suits you, or simply get in touch for more information.

The Wills Bill 2025, proposed by the Law Commission, is set to bring about the most significant reform to wills legislation in England and Wales since the Wills Act 1837. The aim is to modernise and simplify the will-making process so it better reflects contemporary society and digital advancements. For anyone thinking about creating or updating a will, this proposed legislation is worth understanding. Key Changes Proposed by the Wills Bill 2025 1. Recognition of Electronic Wills One of the most notable changes is the proposed legal acceptance of electronic wills. This would allow individuals to draft, sign, and store their wills digitally, offering a more flexible and accessible approach. However, strict requirements will still apply to ensure these wills are authentic and secure. 2. Marriage No Longer Revokes a Will Currently, getting married or entering a civil partnership automatically revokes any existing Will unless it was clearly made in contemplation of that marriage. The new Bill seeks to remove this rule to avoid situations where people unintentionally die without a valid Will, which can lead to unintended consequences for their estate. However, when contemplating marriage, Wills should still be reviewed to ensure that reasonable financial provision is being made to avoid future challenge. Legal advice should be sought and we’re happy to support. 3. Lowering the Minimum Age to Make a Will The Bill proposes reducing the legal age to make a valid will from 18 to 16. This change recognises the ability of younger people to make important legal decisions and aligns with other areas of law where 16-year-olds can act independently. 4. Allowing Courts to Approve Informal Wills Under the current law, a will that does not meet specific formal requirements is not legally valid, even if the testator’s wishes are clear. The proposed reforms would give courts the authority to validate informal wills when there is convincing evidence of the individual’s intentions. 5. Updating the Test for Testamentary Capacity The Bill recommends aligning the test for testamentary capacity with the Mental Capacity Act 2005. This would replace the historic Banks v Goodfellow test and provide a more modern and consistent way of assessing whether someone has the capacity to make a will. 6. Improving Protection Against Undue Influence At present, it is very difficult to challenge a will on the grounds of undue influence. The new proposals would allow courts to infer undue influence where there is reasonable evidence, making it easier to protect vulnerable people from coercion or manipulation. What This Means for You If You Are Making a Will for the First Time These changes are designed to make the process more accessible, particularly for younger individuals and those who may prefer digital options. The added flexibility, alongside court safeguards, aims to ensure that genuine testamentary wishes are respected, even if formalities are not perfectly followed. If You Already Have a Will in Place Your existing will remains valid under the current laws, and there is no need to rewrite it because of these proposals. However, it is always wise to review your will regularly, especially after major life events such as marriage, divorce, or the birth of children. A good rule of thumb is to review your will every three to five years to ensure it still reflects your wishes. A Step Towards Modern, Accessible Will-Making The Wills Bill 2025 reflects a long-overdue update to legislation that dates back nearly two centuries. By embracing digital documentation, recognising modern family structures, and offering clearer legal standards, the proposed reforms are a step towards a more accessible and inclusive will-making process. At SLS Wills and More, we are closely monitoring the progress of this Bill and will continue to advise our clients in line with current law. If you have any questions about making or updating a will, we are here to help. For trusted advice and support, contact us today

Disney’s 2025 live-action remake of Lilo & Stitch has captured hearts worldwide, becoming one of the year’s top-grossing films. Beyond its charming visuals and heartfelt story, the film offers valuable lessons about family, responsibility, and planning for the future, core principles that resonate deeply with the essence of estate planning. 1. The Importance of Family Bonds In Lilo & Stitch, the concept of ‘Ohana’, meaning family in Hawaiian, emphasises that family means no one gets left behind or forgotten. This central theme underscores the significance of safeguarding our loved ones’ futures. Estate planning serves as a tangible expression of this commitment, ensuring that your family’s needs and wishes are honoured, even when you’re no longer present. 2. Navigating Unexpected Challenges The film portrays Lilo and her sister Nani facing unforeseen challenges, from the arrival of Stitch to the threat of being separated by social services. Similarly, life can present unexpected events, illness, accidents, or sudden changes in circumstances. Having a comprehensive estate plan, including wills and powers of attorney, provides a safety net, allowing your family to navigate such challenges with clarity and confidence. 3. Embracing Non-Traditional Family Structures Lilo and Nani’s family setup deviates from the traditional mold, yet their bond is unbreakable. Modern families come in various forms, and estate planning must reflect this diversity. Whether it’s recognising guardianship roles, step-relations, or close friends considered family, a well-crafted estate plan ensures that your unique family dynamics are respected and upheld. 4. Protecting What Matters Most Stitch, initially seen as a disruptive force, becomes an integral part of Lilo’s life. This transformation highlights the importance of protecting what matters most, even if it doesn’t fit conventional expectations. Similarly, estate planning isn’t just about assets; it’s about preserving relationships, memories, and the values you hold dear. 5. Planning for the Future The characters in Lilo & Stitch learn to look beyond immediate concerns and plan for a harmonious future together. Estate planning embodies this foresight, allowing you to make decisions today that will benefit your loved ones tomorrow. By outlining your wishes clearly, you provide guidance and peace of mind to those you care about. Ready to Secure Your Family’s Future? At SLS Wills and More, we understand that every family is unique. Our expert team is dedicated to helping you create an estate plan that reflects your individual circumstances and values. Whether you’re starting from scratch or updating an existing plan, we’re here to guide you every step of the way. Contact us today to begin your estate planning journey: hello@slswillsandmore.co.uk01304 577998Office 4, Garrity House, Miners Way, Aylesham, Canterbury CT3 3BFwww.slswillsandmore.co.uk

The classic tale of Snow White and the Seven Dwarfs is a childhood favourite, filled with magic, treachery, and an iconic poisoned apple. But beyond its fairy-tale charm, Snow White’s story contains valuable lessons about estate planning, inheritance, and the importance of protecting your loved ones from unexpected dangers. 1. The Evil Queen’s Mistake: Neglecting Proper Estate Planning The Evil Queen, obsessed with being the fairest of them all, prioritises vanity over sensible estate planning. Instead of ensuring a smooth transition of power or securing a legacy, she fixates on eliminating Snow White, her stepdaughter and rightful heir. In the real world, disputes between stepfamilies and second spouses can become legal nightmares. If the late King had created a well-structured Will and trust, he could have ensured that Snow White’s inheritance was protected from her jealous stepmother. Estate planning can help prevent conflicts, especially in blended families, by clearly outlining who gets what and ensuring that all loved ones are provided for. 2. Snow White’s Vulnerability: Why Young Adults Need Wills Snow White is young, innocent, and unprepared for the dangers that await her. She leaves the castle with no protection, no legal guidance, and no clear rights to her father’s estate. Had she been given proper legal counsel, she might have secured her inheritance before being forced into hiding. Many young adults assume they don’t need a Will, but accidents and unforeseen events can happen to anyone. A Will isn’t just for the elderly or wealthy, it ensures that your assets, no matter how modest, go to the right people and that your wishes are respected in case of incapacity. 3. The Seven Dwarfs: The Importance of Executors and Guardians The Seven Dwarfs act as Snow White’s protectors, offering her shelter and support. In estate planning, an executor plays a similar role, ensuring that your will is carried out correctly and that your beneficiaries are looked after. If Snow White’s father had appointed a trusted guardian or executor to manage her affairs, she wouldn’t have been left vulnerable to the Queen’s schemes. This highlights the importance of appointing responsible individuals to oversee your estate, especially if you have minor children or vulnerable dependents. 4. The Poisoned Apple: Beware of Inheritance Scams The Evil Queen disguises herself and tricks Snow White into accepting a poisoned apple, which nearly leads to her demise. Similarly, in real life, fraudsters and unscrupulous individuals prey on those who inherit wealth. Elderly beneficiaries and those unfamiliar with financial matters are especially at risk. A well-structured estate plan, including safeguards such as trusts and professional financial management, can help prevent exploitation. Seeking legal advice can ensure that your assets are protected and that your loved ones are not taken advantage of after you’re gone. 5. The Prince’s Intervention: Lasting Powers of Attorney In the story, the Prince’s kiss revives Snow White and restores her to her rightful place. In real life, however, we can’t rely on a fairy-tale ending when it comes to protecting ourselves in times of incapacity. A Lasting Power of Attorney (LPA) ensures that someone you trust can make decisions on your behalf if you become unable to do so. Without an LPA in place, your loved ones may face costly legal battles to manage your affairs, just as Snow White’s fate was left in the hands of others. A Happily Ever After with Estate Planning Snow White’s story teaches us that failing to plan can leave us vulnerable to unexpected threats. Whether it’s a jealous stepmother, financial fraud, or the absence of a Will, the consequences of poor planning can be disastrous. By creating a well-thought-out estate plan, including a Will, trusts, and Lasting Powers of Attorney, you can ensure that your assets are protected, your loved ones are cared for, and your legacy lives on without conflict. At SLS Wills and More, we help you write your own happy ending. Contact us today to secure your estate plan and protect your loved ones from life’s unexpected twists and turns. 01304 577998hello@slswillsandmore.co.ukwww.slswillsandmore.co.uk

We are thrilled to announce that SLS Wills and More has won the Best Website Award at the prestigious Legal Growth Awards 2025! Sponsored by Zedra, this award recognises excellence in digital presence, user experience, and innovation within the legal sector. Our website has been designed to offer clear, accessible, and informative content, ensuring that clients can easily navigate the complexities of will writing, estate planning, and probate services. Winning this award is a testament to our commitment to providing exceptional client service both online and offline. A Night to Remember The Legal Growth Awards 2025 was a fantastic evening, bringing together the best in the legal industry to celebrate success, innovation, and excellence. Hosted in a lively and informal atmosphere, the event was a true celebration of the dedication and progress within the sector. Not only did we take home the Best Website Award, but SLS Wills and More was also highly commended for Best Use of Marketing, a huge honour and recognition of the hard work we put into reaching and supporting our clients. Thank You! We would like to extend our thanks to Zedra for sponsoring the Best Website Award and to Legal Growth for organising such an incredible event. A huge congratulations to all the winners and nominees who continue to push the industry forward with their innovation and expertise. Our website isn’t just about looking great, it’s about providing valuable resources, expert guidance, and a seamless experience for our clients. We are proud to receive this recognition and will continue to enhance our online services to better serve you. If you haven’t already, explore our award-winning website:www.slswillsandmore.co.uk For more details on our services or to get in touch:hello@slswillsandmore.co.uk01304 577998 Here’s to another year of growth, success, and helping our clients plan for the future with confidence!

Recent figures from the Ministry of Justice (MoJ) have revealed a significant rise in the number of contested Wills, with a 34% increase over the last five years. In 2023 alone, 195 inheritance disputes were taken to court, compared with 145 in 2017. Over the past decade, the number of cases has surged by an astonishing 140%. However, these figures only scratch the surface – many disputes are settled before reaching court. With rising property values, complex family structures, and increasing financial pressures, challenges to Wills are becoming more common. A well-drafted Will, created with professional guidance, can significantly reduce the likelihood of disputes, ensuring that your wishes are respected and your loved ones are spared unnecessary stress. How to Minimise the Risk of a Contested Will 1. Seek Expert Will-Writing Services While DIY Wills are available, they often lead to ambiguity, mistakes, or legal challenges. A professionally drafted Will ensures clarity, compliance with legal requirements, and minimises the risk of misinterpretation. 2. Regularly Review and Update Your Will Your Will should be reviewed every five years or when significant life events occur, such as marriage, divorce, the birth of children or grandchildren, or retirement. Keeping your Will up to date ensures that it reflects your current circumstances and intentions. 3. Ensure Testamentary Capacity Challenges to Wills often arise when beneficiaries question whether the testator (the person making the Will) had the mental capacity to do so. If there is any doubt, particularly in cases involving dementia or other health conditions, obtaining a medical professional’s certification can provide crucial evidence of testamentary capacity. 4. Choose Executors Wisely Executors play a crucial role in administering your estate. Disputes can arise if executors cannot work together or if beneficiaries believe decisions are being unfairly made. While family members are often chosen, appointing a professional executor – such as a solicitor – can provide impartiality and expertise. 5. Communicate Your Wishes Clearly Discussing your Will with your family can help prevent misunderstandings and reduce the likelihood of disputes after your passing. While this won’t eliminate the possibility of challenges, it can provide clarity and manage expectations. 6. Understand the Impact of Exclusions Under English and Welsh law, individuals have testamentary freedom, meaning they can choose who inherits their assets. However, under the Inheritance (Provision for Family and Dependants) Act 1975, certain individuals (such as close family members or financial dependants) may have grounds to contest a Will if they are excluded. To strengthen your position, including a separate letter of wishes explaining exclusions can help demonstrate your reasoning. The Importance of Professional Indemnity Insurance (PII) At SLS Wills and More, we take every precaution to ensure Wills are drafted correctly, minimising the risk of disputes. However, we also have the added protection of Professional Indemnity Insurance (PII). PII provides financial security and reassurance, covering clients in the rare event of professional error or negligence. This ensures that our clients have peace of mind, knowing that their estate planning is in safe hands. Why Choose SLS Wills and More? With 38 years of experience, Sara Sheppard is a leading expert in Will writing and estate planning. As a member of the Society of Will Writers’ (SWW) Professional Standards Board and a tutor for the College of Will Writing, she is dedicated to maintaining the highest professional standards. Additionally, Sara supports law firms as a locum, ensuring compliance and assisting with complex caseloads. Expert Guidance, Secure Storage Not only do we provide expert advice on drafting Wills, but we also offer secure storage for client documents at no additional charge. Our commitment to safeguarding your legal paperwork ensures that your Will remains protected and accessible when needed. Protect Your Legacy Today A well-prepared Will is one of the most valuable gifts you can leave your loved ones. Don’t leave your estate to chance – seek professional guidance to ensure your wishes are upheld. 📞 Contact us today on 01304 577998📧 Email: hello@slswillsandmore.co.uk🌍 Visit us online: www.slswillsandmore.co.uk “A professionally drafted Will is an investment in peace of mind. By seeking expert guidance, you not only protect your assets but also spare your loved ones unnecessary distress.”Sara Sheppard, SLS Wills and More

Losing a loved one is never easy. Grief can be overwhelming, and the added pressure of dealing with legal and financial matters often feels like too much to handle. At SLS Wills and More, we understand how difficult this time can be, which is why we offer compassionate, expert support to help guide you through the process. Many of our clients come to us feeling lost, unsure of where to start. As Margaret Price kindly shared in her review: “I didn’t know where to start when my husband passed away – everything seemed to be in a mess, or unfinished! But a friend recommended Sara of SLS Wills, who was an absolute blessing. Nothing was too much trouble for Sara, and with her broad knowledge and experience made light work of my issues. She explained each step and kept me informed of progress all the way. I cannot speak too highly of Sara’s business, and it was all conducted in the comfort and privacy of my own home at a very reasonable fee.” If you have recently lost someone and are feeling overwhelmed by the legal side of things, we are here to help. What is Probate? Probate is the legal process of proving a Will and giving the executor the authority to deal with a person’s estate. If someone has left a valid Will, their appointed executors will need to apply for a Grant of Probate to access assets such as bank accounts, property, and investments. However, probate is just one part of the process. Many people use the term to refer to everything involved in handling a loved one’s estate, but in reality, estate administration is the wider process of dealing with all assets, debts, taxes, and distributions to beneficiaries. Probate is simply one legal step within this. When is Probate Needed? Not every estate requires probate. Whether you need it depends on factors such as: Each situation is different, and we can help you determine whether probate is necessary for your loved one’s estate. What Happens When Someone Dies Without a Will? When a person dies without a Will, they are said to have died intestate. This means their estate is distributed according to strict legal rules, which may not reflect what they would have wanted. Under intestacy rules: Dealing with an intestate estate can be more complicated, and probate (known as Letters of Administration in these cases) will almost always be required. If you are facing this situation, we can help guide you through it and ensure everything is handled properly. Support When You Need it Most Many people are perfectly capable of handling probate or estate administration in normal circumstances. However, when grieving, even the simplest of tasks can feel overwhelming. We regularly help clients who might otherwise manage it themselves but find that, in the midst of loss, they need support. At SLS Wills and More, we take as much of the burden off your shoulders as possible, handling the legal side of things so you can focus on yourself and your family. Whether you need full estate administration or just help with certain steps, we can tailor our support to your needs. Here to Help Across England and Wales We are based in Kent but assist clients across England and Wales. We offer face-to-face meetings where possible, but if you prefer, we can guide you through everything via Zoom, making our services accessible no matter where you are. If you have lost a loved one and need support with probate or estate administration, please get in touch. We are here to help you navigate this difficult time with expert guidance and a compassionate approach. Call us: 01304 577998Email us: hello@slswillsandmore.co.ukVisit our website: www.slswillsandmore.co.uk You don’t have to go through this alone – let us help lighten the load.