Wills · Trusts · Estate Planning — England & Wales
We help mortgage-free homeowners plan their estate properly — without scare tactics, without sales pressure, and without pretending a trust will fix everything.
If you own your home outright, you've spent decades working towards a position that other generations didn't have. You'd like what happens next to go the way you actually intend. That's most of who we work with.
You want plain answers, no jargon, and to be treated as a decision-maker, not soothed. Same.
One spouse, sometimes two families, sometimes three. Most estate planning advice doesn't pay enough attention to this. We do.
Adult children with complicated lives — businesses, divorces, debts, beneficiaries who can't be trusted with a lump sum. We design around real people, not theoretical ones.
Your wishes, drafted to survive the unusual stuff: remarriage, blended families, beneficiaries with risk.
For property and finance, and for health and welfare. We don't sell wills without offering LPAs alongside.
And clarity about where they don't. We don't promise care-fee protection that isn't real.
Honest about care fees
Most "asset-protection trust" marketing aimed at homeowners is misleading. There is no seven-year lookback for care fees — that's an inheritance-tax rule. Trusts set up specifically to avoid care fees can be unwound by your local authority under the deliberate-deprivation rule.
We'll walk you through what genuinely works and what doesn't.
Read the free care-fees guide →We send a short prep email so the call is sharp from the start.
About where you are now — what's in place, what's missing.
Given your answers — specific to your situation, not a generic checklist.
If we're the right fit, we explain how it would work and what it would cost. If we're not, we tell you and suggest where to look.