Our Services

Wills

There are numerous reasons why people haven’t made wills but without one the following issues can arise:

  • Who will look after my children? My parents? My sibling? Social Services?
  • Who will administer (deal with) my estate once I’ve gone? Someone I don’t know or trust? Someone capable of doing so?
  • Who will inherit my wealth? How much will the State take?
A Will addresses all of the above.

It makes sure that your children are looked after by people you choose and not someone unknown to you or them.

It makes sure that the people you want to inherit do inherit. Your spouse/partner, children and other rightful beneficiaries will receive what you have and this can also be protected.

So regardless of what the future hold, breaks ups/ divorces and third party claims, all can be planned for and, in some cases, unnecessary Inheritance Tax can be reduced and managed.

So whether you haven’t got one, are reviewing an old one or your circumstances have changed, you need advice. Without professional guidance, much of your hard-earned money might end up in the wrong hands or be lost completely.

Taking professional advice on the drafting of your Will and updating/reviewing it regularly is the only way to make sure your wishes are adhered to.

Our process is that we will first get to know you or reacquaint ourselves either by a Zoom or Teams video call, a telephone call or face-to-face in person. This means us understanding your wealth, family, and who you want to inherit. We will then provide you with all the information you need to make informed decisions before proceeding and parting with any money.

Everyone’s affairs can be quite different and so we will provide advice tailored to your wishes and circumstances. This could (and usually does) include supplementary documents or services too but never involves a hard sell. As above, we want you to make a decision from being in an informed position.

We are members of the Society of Society of Will Writers and one of our Directors is an Affiliate Member of STEP, so you’re in safe hands. We also hold professional £2.5m of indemnity insurance so are insured as should anyone be who undertakes this kind of work.

Trusts & Estate Planning

Invented in England during the 12th and 13th centuries, trusts are much more widely used than people realise and certainly aren’t reserved for just the very wealthy. About 85% of our clients use them in some form.

We all want our hard earned wealth to pass to those we want and Wills help with this, Trusts however can provide more certainty and form a more comprehensive part of your Estate Planning.

Put simply, we think of our estates as being:

  • Our homes and/or other properties we own
  • Current & savings/deposit accounts
  • ISAs/Bonds and other investments
  • Shares
  • Business and agricultural assets
  • Personal belongings such as jewellery, cars, etc.

These can be handled by your will and also by the use of trusts.  But there are other things which might pay out upon your demise such as:

  • death in service benefits
  • life insurances
  • pensions
  • other trusts

Things not necessarily considered in your planning can result in your wealth being lost, unintentionally shared or whittled away, such as:

  • tax
  • remarriage
  • a new partner/spouse and then their children
  • claims against your beneficiaries from third parties such as creditors, bankruptcy or local authorities/benefits agencies
Without any estate planning, whether you have a Will or not, any of the following could happen:

  1. Your estate is taxed on your death, again when your children die and perhaps again when your grandchildren die. Over just a few generations HMRC could be an unnecessary beneficiary of your estate.
  2. Your death in service benefits will pass to your partner/spouse tax-free but when they die your children could be sharing it with HMRC.
  3. After you die, your partner/spouse finds someone else. Your wealth might be lost to that new partner or his/her children – people you’ve never met.
  4. Vulnerable people might not be properly catered for or perhaps have their existing provisions damaged
  5. Your property is sold to pay for long term care. With average annual costs of approximately £40,000, your beneficiaries will share their inheritance with the local authority or perhaps miss out altogether*
We see these things happen regularly but, with proper planning and the use of trusts, so much can be avoided or managed. In many cases we work alongside financial advisers to help achieve your aims.

*this shouldn’t be the sole reason to use trusts. So please ensure you take and understand the advice given before proceeding, regardless of who you instruct.

Powers of Attorney

We all hope to live long and healthy lives but we may not always be able to manage our own affairs. If you were to suffer physical or mental incapacity, a Lasting Power of Attorney could make your live and the lives of those around you easier as well making sure your wants and needs are taken care of. Some of us finding dealing with money and paperwork difficult at the best of times but if you become unable to manage your own affairs for any reason, it may be impossible.

If you don’t have LPAs, then the only way that your affairs can be managed is by application (by a relative or friend) to the Court of Protection. Not only is this likely to cost considerably more than LPAs, but it will take several months. Most people can’t wait months. During this time your finances and those of people around you could be seriously damaged, decisions could also be made by someone you wouldn’t have chosen. In the case of non-financial affairs, decisions could be in the hands of those unfamiliar with your wishes.

A Lasting Power of Attorney allows you to appoint people you know and trust to look after your finances and welfare should you no longer be able to too or when you would like help. It is a legal document which gives authority and can also include preferences and instructions if you so wish. In some cases it might be suitable to appoint a professional but generally only if there really is no one else available or your affairs need a professional.

Not only do LPAs cover the everyday things we do such as managing finances, dealing with financial institutions, paying bills, signing cheques and dealing with your bank they also cover buying or selling property and making decisions on medical and life-sustaining treatment. They are also important to those of us who have their own businesses or a share in them.

Powers can be restricted under LPAs too. For example, if it business related you might wish to appoint fellow directors/partners or even your accountant to make business decisions rather than your family.

These are therefore powerful documents which need proper consideration and advice.

Probate & Estate Administration

When someone passes away, the persons appointed as Executor in the Will, or the next of kin/beneficiairies where there is no will, are legally responsible for finalising the affairs of the person who has died. This is known as Estate Administration but often generically referred to as Probate. The work involved include such things as closing the bank accounts, selling property, paying tax and other liabilities, as well as applying to the Court for a Grant of Representation (either a Grant of Probate or Letters of Administration) and finally paying the inheritance to the beneficiaries.

But dealing with the death of a loved one can be one of the most difficult and emotional times in our lives. Dealing with these things will be overwhelming for some people and many will struggle to cope. Bereavement isn't an everyday experience and for many, it will be their first experience of dealing with grief and they will be left feeling unsure about what to do and where to turn. Afterall it’s something that most individuals have no experience of, it carries a high administrative burden and can involve language that we simply are not familiar with.

But don't worry, you're not on your own. We are here to help you. Whether you want to talk to a specialist to simply be pointed in the right direction or if you would prefer to have help with the 'legal bit' or even hand the responsibility and burden on to someone else, then we have services tailored to meet your individual needs.

You choose how much or how little help you need and we will provide it. All prices are fixed in advance so you know what you will pay before you agree to proceed. We will also beat any like-for-like quotation.

See our FAQ's regarding Probate below:

Probate Frequently Asked Questions

What to do when someone dies?
We've detailed the immediate things you will need to consider following the death of a loved one. Read more about how to handle this >

Call us on our helpline 0330 555 1231 for free help and guidance or send us an email today.

Storage - My Life Dox

Once your documents are completed by you and confirmed by us as having been correctly signed and witnessed*, to prevent them being lost or destroyed, our sister company My Life Dox Ltd will store them for you for free.

We don’t just put your documents in a filing cabinet in the office, we provide safe and secure storage for you via our partners Iron Mountain.

My Life Dox Ltd is a stand-alone entity.  Being separate ensures all contact and services remain intact for the future.

When you store, we provide you with storage certificates so you, your executors and/or attorneys will know where to turn to.

So, whether you have subscribed to My Life Assist (with all its benefits) or not you should store with My Life Dox.  We’ve seen it all, torn up documents, documents that have been written on or “amended” and even grandchildren colouring them in.  You’ve spent money getting your affairs in order so don’t leave things to chance.

We securely store:

  • Wills
  • Letters of Wishes
  • Trusts
  • Lasting & Enduring Powers of Attorney, and
  • Title Deeds

Your documents can be retrieved at anytime as required or at a time of need all within 4 working days.  A retrieval fee of £15 applies to cover the administration of retrieval and then forwarding by Royal Mail Special Delivery.

To retrieve your documents call 0330 555 1231 or complete our request form below.

We will need:

  1. Full identification for yourself (please see here for what is acceptable
  2. A Death Certificate if applicable
  3. Completed Authority to Release (link to Word file attached)
  4. Payment of the retrieval fee.

Usually email copies are fine.

*only applies to documents prepared by us and we cannot be held responsible for any documents produced elsewhere

Document Retrieval Form

Please complete the form for document Retrieval. Alternatively, you can download the form and return to us by post. By submitting the online form, this acts as an electronic authorised signature.

All documents for

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In my/our role as Testator/Executor/Attorney [please complete the section(s) below], I/we:

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authorise and request you to forward said documents to: My Life Law, Pate Road, Melton Mowbray, LE13 0RG.

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My Life Dox Ltd

31-35 Pate Road
Melton Mowbray
LE13 0RG

T. 0330 555 1231

Company registration No. 09423146