29 Wood Street, Stratford-upon-Avon, CV37 6JG

Equity Release Council


Approximately 60% of adults in the UK don't have a will.

Everyone knows that writing a will is essential but most put it off until they are a lot older.

If you die without a will the intestacy rules take effect, meaning neither you or your family have any say whatsoever in how your assets are distributed, meaning your assets may not go to your preferred beneficiaries and some may even pass to the crown. This can also mean that you will pay more tax than you need to.

If you and your partner are unmarried or not in a civil partnership then it will almost certainly mean that your partner will inherit nothing from your estate. Alternatively, if you are separated without a divorce then your estranged partner would still inherit from your estate if there is no valid will in place.

Why make a will?

Making a will is the only way to ensure that your wishes are carried out, making it easier and clearer for your family.

By making a will:

  • You can ensure each family member receives designated share of estate – You decide who inherits and who doesn't.
  • You can leave specific gifts to individuals.
  • You decide at what age your children will inherit.
  • You appoint Guardians
  • You appoint Executor(s) to administer your estate.
  • Estate passes to spouses in a tax efficient way
  • People dealing with the estate are those trusted
  • Any charitable donations can be made
  • Children from previous relationships are not by-passed.
  • Stepchildren can be provided for.
  • Avoidance of ‘sideways disinheritance' – e.g where an estate moves sideways to the new partner rather than down a generation to the children.

At Copia Financial Services Ltd we can guide you through the process and have your will professionally written, ensuring that your wishes are carried out and your family are not left dealing with the consequences of you dying without your wishes being known.

The Financial conduct Authority does not regulate will writing.