Estate Planning in England and Wales

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.

Minecraft Movie
Uncategorized

What The Minecraft Movie Can Teach Us About Inheritance Planning

At SLS Wills and More, we believe important lessons about life, and indeed, inheritance, can come from the most unexpected places, even blockbuster movies! One upcoming film that offers surprising insights into legacy and planning is The Minecraft Movie, based on the world-renowned video game that has captured imaginations for over a decade. While The Minecraft Movie promises action, adventure, and creativity, it also reflects deeper themes about building, protecting, and passing on what we create, much like the real-world importance of having a well-prepared will and estate plan. Building Your Legacy, Block by Block In Minecraft, players spend countless hours constructing intricate worlds, full of castles, cities, farms, and more. Every structure is the result of careful planning and effort. It’s a powerful metaphor for life itself: over time, we build up assets, relationships, and achievements that form our personal “kingdom.” Without a proper will, however, everything you’ve built could be left vulnerable, much like a Minecraft world left open to the chaos of “creepers” and storms. A clear, legally binding will ensures that your hard work benefits those you love most, exactly as you intend. Protecting Against Unexpected Challenges In the Minecraft universe, dangers often appear when least expected, a fitting reminder of why having up-to-date estate planning documents is essential. Life is unpredictable. Without a Lasting Power of Attorney, for example, there may be no one legally authorised to make critical decisions for you if you lose mental capacity. At SLS Wills and More, we help you “fortify your world,” making sure you have the right protections in place no matter what comes your way. Passing On More Than Possessions The Minecraft Movie celebrates imagination, creativity, and collaboration. Similarly, inheritance planning isn’t just about passing on property or wealth; it’s about transferring values, memories, and opportunities to the next generation. Including charitable gifts in your will, for instance, can make a lasting positive impact, something we actively encourage at SLS Wills and More. We donate 5% of our profits to good causes like Hypo Hounds and Community Driving School CIC, and we offer additional contributions when clients leave legacies to these organisations. Don’t Leave Your Legacy to Chance Much like crafting a masterpiece in Minecraft, planning your estate takes time, thought, and expert guidance. At SLS Wills and More, we are here to help you design a plan that’s as unique and resilient as anything seen on the big screen, or built block-by-block in a Minecraft world. Get in touch today to start building your legacy with confidence. Contact us: 📧 hello@slswillsandmore.co.uk📞 01304 577998📍 Office 4, Garrity House, Miners Way, Aylesham, Canterbury CT3 3BF🌐 Visit our website

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.

The Lion King - and estate planning
Articles

The Lion King – and Estate Planning

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. 

Scroll to Top