WGM Financial is a trading name of William Glen Malcolm which is authorised and regulated by the Financial Conduct Authority (FCA). 
FCA Reg No 512102.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Equity released from your home will be secured against it.

A lifetime mortgage will be secured against your home.
 

Wills and Estate Planning arranged on behalf of APS Legal & Associates Ltd.
APS Ltd Head office: Worksop Turbine Innovation Centre, Shireoaks Triangle Business Park, Coach Close, Worksop, Nottinghamshire, S81 8AP.
APS Legal & Associates is a member of the Institute of Professional Willwriters.
APS Legal & Associates complies with the Trading Standards Institute Approved IPW Code of Practice.


Estate Planning and the provision of Wills are NOT regulated by the Financial Conduct Authority.






Trusts
If you do not make provision for your children’s financial future, then whilst the child is under the age of 18 years, their inheritance is held under a legal trust for their benefit. This is a complex and expensive legal procedure, as it involves an application to the courts to allow for the trust to be established. In addition to this expense, after the child reaches 18, they are quite free to spend (or worse squander) it.
Many people do not feel that this provision is suitable and therefore include this special and flexible trust in their professionally drafted Wills.
Through the Children’s Trust, the parents can place an age restriction on the inheritance of 21 or maybe 25 years of age. In addition, they would also nominate trustees. These are people they have total confidence in to manage the trust for their children until they become of age and thus eliminate any costly and complex court fees.
These are also exceptionally flexible trusts. Should the trustees feel that it is suitable, they can advance funds to the children prior to the age of inheritance. For example, should a child need a life-saving operation or require funds for university.
If you have disabled or handicapped children, you can also make further long term, secure financial provision for them.