Key person insurance is a policy your business takes out on the people it cannot afford to lose — the founder, the sales leader, the technical expert. If they die or suffer a critical illness, the business receives a lump sum to cover recruitment, lost revenue, loan...
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Key Person Insurance: Why Your Business Cannot Afford to Lose Its Most Valuable People
Every business has people it cannot afford to lose. The founder who holds the client relationships. The technical director who built the product. The sales leader who generates 60% of revenue. If one of these people died tomorrow or was diagnosed with a critical...
A Practical Guide to Business Succession Wills
A business can be profitable, well managed and built over decades, yet still be left exposed by one missing document. A guide to business succession wills is not simply about deciding who receives your shares when you die. It is about making sure your family, fellow...
TLDR — What Your Executor Actually Has to Do
Being named as an executor is not an honour — it is a legal job. You are personally responsible for securing assets, valuing everything, paying debts and taxes, applying for probate (now £526), and distributing the estate exactly as the Will directs. The process takes...
What Your Executor Actually Has to Do: The Legal Duties Most People Don’t Understand Until It’s Too Late
Most people who are named as an executor in someone's Will have no idea what the role actually involves. They assume it means signing a few forms and distributing some money. In reality, being an executor is a legal position with personal liability, fiduciary duties,...
TLDR — Sideways Disinheritance: When Your Estate Ends Up in the Wrong Family
Sideways disinheritance happens when your assets pass to your spouse, who later remarries, and everything ends up with their new partner's family. Your children get nothing. It is one of the most common estate planning failures in the UK. The root cause is usually...
Sideways Disinheritance: How Your Estate Could End Up in the Wrong Family
Sideways disinheritance is the term used when assets intended for one family end up passing to another — typically when a surviving spouse remarries or enters a new relationship after the first spouse's death. It is one of the most common and most devastating estate...
Inheritance Planning for Landlords Made Clear
A rental portfolio can look straightforward on a balance sheet, yet become difficult to manage the moment an owner dies or loses capacity. Tenants still need answers, mortgages still need servicing and decisions about repairs, sales and rent collection cannot simply...
TLDR — Family Investment Companies: Tax-Efficient Wealth Transfer
A Family Investment Company is a private limited company set up to hold investments, property, or cash for the benefit of the next generation. The founders keep full control through voting shares while the economic growth passes to shares held by children or...
Free Estate Planning Guide
Learning how to protect your assets can feel like an overwhelming topic. Our FREE Estate Planning Guide will help you to understand the process and how to get started.