by johnireland | Articles
Every business has at least one person whose sudden absence would cause serious damage — yet most businesses have no financial plan for that scenario. Ask any business owner what would happen if they were suddenly unable to work — through illness, injury, or death —...
by johnireland | Business Builder
Fewer than one in five small businesses have key person insurance — yet every business has someone whose sudden absence would cause serious financial damage. Key person insurance pays a lump sum to the business when a critical individual dies or is diagnosed with a...
by johnireland | Articles
There is no such thing as a “common law spouse” in English law — and the consequences for unmarried couples who do not plan ahead can be catastrophic. Despite decades of social change, the law in England and Wales has not kept pace with the way people...
by johnireland | Legal Spotlight
More than 3.6 million couples in England and Wales live together without being married — and most have no idea how little legal protection they have if one of them dies. There is no such thing as “common law marriage” in English law. If your partner dies...
by johnireland | Articles
Your Will may say one thing. Your pension nomination form may say another. And in most cases, the nomination wins. One of the most common — and most costly — estate planning oversights has nothing to do with inheritance tax, trusts, or probate. It involves a simple...
