(Use of Trusts with Wills)

Wills and Estate Planning
Making a Will is one of the most important things you will ever have to do.
Whilst making a Will is something we should all do, many put it off to another day, after all, death it’s not something we particularly want to think about. However, if you want your wishes to be followed upon death, then a Will is the only way to guarantee this.
If you haven't already made a Will - then you are not alone

No matter your age or circumstance, it is vital that you make a Will to ensure clarity about what you want to happen to your estate after your death and who will benefit.

How do you compare to others in your age bracket?

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


(Lasting Power of Attorney)

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.

How do you compare to others in your region?

Intestacy rules (England).

(what happens if you die without a will)

Is your Will up-to-date?
Your circumstances are constantly changing and the changes should be reflected in your Will. Frankly, an out-of-date Will or a DIY Will can be worse than no Will at all and they should be reviewed at least every five years.
Are you sure your Will meets your changed circumstances? Does it really reflect how you wish to dispose of your wealth?

What happens if you die intestate (without a Will)?

  • Do you know what intestacy or partial intestacy will mean?
  • If married – your spouse will not necessarily get everything and your wealth may go to those you do not want to get it
  • If not married – your partner will get nothing
  • Married or not – minor children will have no appointed guardians and may be at risk of being put into care
  • In some cases – your estate may have to meet unnecessary costs and tax
  • In all cases – there will be muddle, distress and probable family upset

If you are joint owners of the family home

  • Do you hold the house as Joint Tenants or as Tenants in Common? Do you understand the difference?
  • Does your Will position your house (and other assets) effectively to preserve its (their) value?