Making A Will

Write your will on Sundays

June 29, 2011 By admin Leave a Comment

willsinlondon Write your will on Sundays

Sunday is meant to be a day to relax. So why write your Will on a Sunday?

Well for starters you are more likely to be relaxed from the stresses and strains of your busy life.

Sunday is also a traditionally a family day and therefore it follows that Sunday is a good day to write your Will, as writing Will is all about your loved ones.

Also if you put a date in your diary to write your Will on a Sunday you are more likely to be together as a couple and less likely to encounter an alternative distraction – often fatal for Will writing – as it is the one thing you often look for a reason to put off.

Think to yourself I’m going to do something productive this Sunday and write my Will.

Took book a visit www.nichewills.co.uk and complete our FREE Will quote form or call T: 020 7993 2044.

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Wills On Sundays in London

June 24, 2011 By admin Leave a Comment

Last week we took a series of calls from a family who needed a Will written on Sunday. This was no ordinary Sunday to write their Will but Father’s Day as well.

The Will was needed for a close relative in hospital. The family had tried a number of Will Writers and Solicitors only to find that they were either shut on Sundays or unwilling to help.
Not only did the Will consultation take place but the Will was handed to them for witnessing that very same Sunday.

At Niche Wills in London we pride ourselves on the fact that we genuinely care and work around your needs. Whether that means: writing your Will on a Sunday; writing your Will in the evening when the kids have gone to bed; or your work lunch break we will fit around you.
What’s more we visit you to write your Will and give you a specific time slot for when we will arrive so you are not kept waiting.

Took book a visit www.nichewills.co.uk and complete our FREE Will quote form or call T: 020 7993 2044.

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Write a Will – New Year’s Resolution

January 10, 2011 By admin Leave a Comment

Make a Will before another year slips by

Niche Professional Will writing Services extends to all areas of central London Including KT1 and the Kingston area which is one of London’s more prestigious postcodes.

New Year’s resolutions are apparently made to be broken but writing your Will shouldn’t be one of them. Once your Will is written it could last a live time which is more than can be said of the other New Year’s resolutions which can easily fritter out such as attending the gym.

By why write a Will in the first place? Well you probably recently demonstrated how much you care about your loved ones by venturing out in the relentless cold and queuing for presents. A Will shares similar caring traits. It is about putting your affairs in order so that your loved ones are looked after and not over burdened by the practicalities associated with death. And, unlike a present this appreciation of your loved ones will NOT be forgotten.

But I don’t own a lot and I’ll probably write a Will later in life when it warrants it! This is a popular and fraught misconception. Almost everyone would benefit from Writing a Will to protect themselves and their loved ones irrespective of their life stage. For instance, life insurance provides protection, and if you have been sensible you will have taken out a policy to cover your first mortgage. The house or flat you have purchased is unlikely to be your last and inevitably you will require a larger sum assured at the point of purchasing your new property. Same principle applies for Wills – the key is to be protected at all times to reflect your current position. Furthermore updating a Will is very affordable and regrettably no one can predict when you might die.

But it will be so much hassle! Our Legal Consultants will eradicate all the paperwork issues, answer any questions that you have, and explain all the terminology. Furthermore our Legal Consultants provide this Will service in the Kingston-Upon-Thames area and throughout Central London, in fact the Will service is available anywhere inside the M25.

Took book a visit please call T: 020 7993 2044 or simply complete our free quote form.

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July 9, 2010 By admin

writeawill Making a Will

Making a Will in London and the M25 area.

Well done you have taken the first important step in Making a Will.

A Will puts you in control of you’re the major finance and welfare decisions that will affect your family when you pass away.

That’s right the Will allows you to channel the distribution of your assets to who you want in a tax efficient way. It could also specify the preferred guardianship for your children and to state your dying wishes.

Without a Will the Government will apply blanket rules which are unlikely to suit.

So don’t delay call us now to see how you can get your family fully protected.

For more information on Making a Will please call us on 020 7993 2044.

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Making a Will in your Twickenham home

April 25, 2010 By admin Leave a Comment

Twickenham Wills & Trusts

Making a Will is often the catalyst for your family to consider protecting themselves for generations to come.

Twickenham is an Anglo-Saxton name that dates back to circa 700A.D, now of course it more commonly associated with Rugby Union, being the home of the English Team. In fact, the impressive Twickenham stadium has been the venue for every England home match since 1910 including the memorable 2004 World Cup victory for England. And, unlike new Wembley, which has been constantly heavily criticized by the football fraternity for supporting too many events, Twickenham has managed to preserve itself as a sole code.

The sport of rubgy is symbolic of middle-England with most players first experiencing the joys of the game in single sex fee-paying schools. Wills are also associated with families down the generations in Twickenham with the same social-economic grouping.

So why is Making a Will so important to the residents of Twickenham. Well put simply the greater the affluence the more possessions and assets there are to disburse. English heritage such as paintings are synonymous with the artifacts that can be passed onto someone who would really appreciate them rather simply fall into the Estate and be sold. It also removes potential family aguish as the Will makes clear the intended beneficiary.

The homes are often high in value, and our Will Writers have regularly seen the desire to serve the tenancy of the property into what is known as ‘tenancy in common’. This allows the owners to specify their share of their Twickenham property in percentage terms rather than simply joint owners. This legal change, which we can handle in-house, means your portion of the house may be gifted under the seven year lifetime gift rules to potential reduce the Inheritance Tax bill.

Our Will service is personal and we would be only too happy to visit your Twickenham home to assess your requirements. Our in-house legal experts will then write your Will and send it to home Twickenham home by special delivery within 21 days. So realistically within a month you will have the peace of mind of knowing your legacy will fall into the hands you intended.

Arrange for your Will to be written today. Call now to book your Will appointment in the comfort of your Twickenham home, there is someone ready and willing to take your call right now on T: 020 7993 2044or simply complete our free quote form.

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3 Essentials When Your Child Is Born

April 10, 2010 By admin Leave a Comment

You’ve had the bag packed weeks in advance. The bedroom in your London apartment is decorated in yellow as you haven’t found out the sex. You think you are prepared for parenthood but that is just the beginning!

As Will Writers and Insurance Advisers the birth is the where the planning needs to start, and start immediately.

There are 3 essentials that need to be arranged before you sit back in the armchair and start to knit:

Make a Will
Arrange financial protection
Utilise the Government gift to open a Child trust Fund

Make a Will

Making a Will is important as it gives a clear indication on your preferred guardians. Perhaps it’s hard to imagine as you have just witnessed the wonder of life but as parents regrettably we are not immortal. The sad fact is parents can die together or in close proximately.

So how does drafting a Will help? Well it enables you to specify your child’s preferred guardians. Also as you write a Will in your life time you have the opportunity to discuss who would be the best choice. So start the debate straight away and record the conclusion in the most appropriate place which is a Will. Do not leave your child unprotected as without a Will your children will probably find themselves in Social Services until the Courts decide.

Arrange financial protection

Why is life insurance important for young families? Well it basically will replace the income lost by the death of a breadwinner. To ensure you surviving spouse and the children will enjoy their comfortable lives in the same way they would have expected.

Ask your Will Writer if they are qualified to give this advice, the best always are and invariably they will research the insurance market for you free of charge.

Utilise the Government gift to open a Child trust Fund

The Government makes a payment to every child, with a further payment in year seven. Use this money to set up a child trust fund that can grow free of savings tax. Parents can also contribute an annual sum without tax implications as well. It is very rare for the Government to provide money so take it and use it wisely.

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writeawill 3 Essentials When Your Child Is Born

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Free Legal Consultation

February 15, 2010 By admin Leave a Comment

Why would you attempt to write a Will on your own? When you consider booking a holiday or taking out a mortgage most people will use an agent or broker for advice.

And, unlike two weeks away or a two year fixed rate where doing it yourself might prove to be a short term disappointment, drafting a Will is your final say for eternity.

At Niche Wills in London we passionately drive home the importance of taking advice when writing a Will. We do not view legal consultation as merely a prudent step but also a means to identify areas that would benefit you and your estate, such as Inheritance Tax planning and holding of assets within a trust.

The legal consultation also can be a forum to ask questions and to gauge the reactions of your partner to ensure that all sides are happy with what is recorded. We find at Niche Wills that this is a consultation is often the source of much debate, which is healthy, and we strive to help the couples confront difficult subjects such as: ‘who are the preferred guardians for their children’, and assist them in drawing a collective conclusion.

Writing a Will is a serious matter and should be done in a relaxed environment outside of daily routine. Our Legal Consultants recognise this and will happily visit at a time that is convenient such as the evenings, weekends or in your work lunch break. What’s more Niche Wills offer a free legal consultation if you live or work in the London area.

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Will Instructions to Executors must be fair

February 10, 2010 By admin Leave a Comment

There is a romantic notion that Writing a Will gives you the power to make your Beneficiaries and Executors jump-through hoops in the process of disbursing assets.

The thought that you will ultimately pass on a gift provided that a series of qualifying events take place is indeed wide of the mark.

The Courts take a dim view of such elaborate measures. With movies such as 80s classic Brewster’s Millions which required Richard Prior to loose $30m in 30 days in order to inherit $300m truly confined to Hollywood when it comes to actual Will writing.

Even what might seem like a genuine request such as scatter my ashes in the place where I honeymooned is unlikely to be adhered to if it is miles away from where your Executors live. A Will cannot physically propel your Executors into action above and beyond the call of duty if they do not have the inclination to oblige. So as professional Will Writers we ask that you are realistic with your wishes when you are drafting a Will. An Executor is someone you trust to disburse your legacy but be fair on them. Would you want them to feel low as they cannot carry out your far fetched Will instructions?

Our Legal Consultants are taught to ask the testators to think twice when they are writing their Wills. Have a reality check. Put yourself in the Executor’s shoes. The disbursement of a Last Will and Testimony is often hard enough, particularly as often the responsibility is bestowed upon someone who is grieving and unfamiliar with the Probate process.

If you are thinking of Writing a Will and would like more on this subject or other practical advice, please visit www.nichewills.co.uk

For more information on our Will writing Services, please complete the enquiry form on the right hand side or contact our London office on 020 7993 2044.

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Coming of age for Gay Wills

January 28, 2010 By admin 4 Comments

writeawill Coming of age for Gay Wills

Labour will be remembered for the introduction of the Civil Rights Act 2004 which saw equality granted to all including Gay couples.

Gay couples have always made Wills for asset disbursements to the ones they love. However, what the Civil Rights Act did was to put Gay couples on an equal footing so when the recent Inheritance Tax law was introduced there was a financial reason to celebrate Gay marriage apart from the emotional one. So what changed? Well the IHT tax exempt level now transfers to the Gay spouse on death. Effectively doubling the benefit and keeping those valuable pink pounds away from the taxman.

Making a Will can also be the mechanism for recognising a previous life-style, perhaps an ex-wife, who you never fell out with but was not longer right for you. Wills are confidential documents and absolute discretion will be observed. This means that your new partner does not have to be informed any arrangements of your ex if that is what you want.

The Gay appreciation of art and style is often revered above that of heterosexuals. A Will allows for artefacts to be passed to a particular recipient unlike the crude laws of intestacy which do not recognise individuals beyond a set pattern.

Writing a Will should not be attempted without professional legal help from a Will Writer as a poorly written Will may be challenged in Court or indeed fail altogether. To ensure creditability check your firm is a Member of The Society of Will Writers.

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Landlords Should Make A Will

January 21, 2010 By admin Leave a Comment

Writing a Will is often associated with leaving sentimental objects to a doting nephews or nieces, however the buy-to-let boom in the Noughties witnessed a huge growth in would-be landlords including here in our city, London.

As a London Will Writer I always believe tangible assets help our customers realise the effectiveness of drafting a Will as the commodity is that much more apparent and visual.

Buy-to-lets do have tax implications. If the property is sold capital gains tax applies and if it is kept beyond death then there are likely to be Inheritance Tax implications for your Estate. This level of tax is often further exasperated in London due the typically higher property values.

The asset itself is of course illiquid in the sense that it is not an investment that can be realised quickly. The house selling process typically takes a few months and this can create major complications when trying to dismantle an Estate evenly to next of kin through Probate. It is also a catch twenty-two as money might be needed immediately to meet the IHT bill yet a fire-sale will mean a reduction in the yield from the sale, enough to make the dearly departed turn in their grave.

A Will can simplify the process as the beneficiary can be identified. For professional landlords this could mean identifying certain properties go to their named children.

It is not always possible to have foresight as death can strike without prior warning. However, it may be worth considering gifting some of the portfolio to children. Lifetime gifts that happen seven years prior to death are usually exempt from inheritance tax.

We at Niche Wills in London, ensure that our Legal Consultants make Wills that take into account portfolios of all sizes and impart their advice on tax mitigation.

To find out more please contact us on:

Niche Wills, Will Writers in London
T: 020 7993 2044

W: www.nichewills.co.uk

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