Your Complete Family Protection Strategy
Estate planning is preparation before chaos—the calm before the storm. Our comprehensive service goes beyond basic will writing to create a protection strategy tailored to your family's unique situation, ensuring peace of mind that lasts for generations.
Your plan isn’t one document - it’s a joined-up legal strategy covering every risk
Foundation Planning
Complete Family Protection Analysis
We start by understanding your complete family structure, assets, concerns, and goals. This isn't a form-filling exercise—it's a strategic consultation that uncovers risks you didn't know existed.
Asset & Liability Review
Property, pensions, business interests, investments, life insurance—we map everything to understand your true estate value. We identify protection opportunities most families miss.
Beneficiary Structure Planning
Who gets what, when, and under what conditions. We design distribution strategies that protect vulnerable beneficiaries, incentivize responsibility, and prevent family disputes.
Guardian Appointments
For parents with young children, naming guardians is essential. Most don't understand the legal implications or backup strategies needed—we guide you through every decision.
Tax Efficiency
Inheritance Tax Liability Assessment
We calculate your exact IHT exposure using current thresholds (£325,000 individual, £500,000 with property allowance). You'll see precisely what your family would lose without proper planning.
IHT Mitigation Strategy Development
Strategic gifting, trust structures, business property relief, and residence nil-rate band optimization. We identify every legal opportunity to reduce your tax burden significantly.
Gift & Exemption Planning
The seven-year rule, annual exemptions, and potentially exempt transfers explained clearly. We create a gifting roadmap that protects your wealth while you're still enjoying it.
Business Property Relief Optimization
For business owners, we structure your company interests to maximize 50-100% relief from inheritance tax. This can potentially save hundreds of thousands in tax.
Asset Protection
Trust Structure Recommendations
Property protection trusts, discretionary trusts, life interest trusts—we recommend the right structures for your situation. Everything is explained in plain English, not legal jargon.
Property Protection Strategies
Safeguard your home from care home fees, protect children's inheritance in blended families. Ensure your property passes to the right people at the right time.
Business Succession Planning
If you own a business, we ensure it can continue without disruption. Protecting both the business value and your family's income stream.
Digital Asset Management
Cryptocurrencies, online accounts, social media, digital businesses. We ensure your digital legacy is protected and accessible to the right people.
Implementation
Professional Will Drafting
Your will is drafted in clear legal language (with plain English explanations). Covering every scenario: deaths in quick succession, disclaimer clauses, trust provisions, and executor powers.
Trust Deed Preparation
If trusts are recommended, we prepare the complete documentation. Not template documents, but properly drafted deeds specific to your situation.
Lasting Power of Attorney Setup
Both Property & Financial Affairs and Health & Welfare LPAs. Ensuring someone you trust can make decisions if you can't.
Document Storage & Registration
We register your LPAs with the Office of the Public Guardian, store your documents securely. Your family receives clear instructions on accessing everything when needed.
Ongoing Support
Annual Plan Reviews
Estate planning isn't "set and forget." We review your plan annually to ensure it remains effective as your circumstances and tax laws change.
Life Event Updates
Marriage, divorce, new children, property purchases, business sales. We update your plan whenever life changes significantly.
Regulatory Change Notifications
When inheritance tax thresholds, trust rules, or estate planning laws change, we proactively notify you. Recommendations for adjustments are always included.
Unlimited Email Support (12 Months)
Questions about your plan? Wondering if something affects your estate? We're available whenever you need clarity.
Your 90-Day Journey to Complete Protection
We've refined our process over hundreds of families to make comprehensive estate planning straightforward and stress-free. Here's exactly what to expect.
Discovery & Analysis
Weeks 1-2
What Happens
- Initial consultation (60-90 minutes) to understand your family, assets, and concerns
- You complete our comprehensive family protection questionnaire
- We conduct a detailed review of your current situation and any existing documents
- Tax liability calculation and risk assessment
Your Involvement
One meeting + questionnaire completion (2-3 hours total)
What You'll Receive
Clear understanding of your current vulnerabilities and potential solutions
Strategy Development
Weeks 3-4
What Happens
- Our specialists design a complete protection strategy tailored to your circumstances
- We prepare a detailed recommendation report with multiple options
- Strategy presentation meeting where we explain benefits and implications of each approach
- You choose the strategy that feels right for your family
Your Involvement
One strategy presentation meeting (60 minutes)
What You'll Receive
Written strategy document in plain English with clear recommendations
Implementation
Weeks 5-10
What Happens
- Professional drafting of all documents: wills, trust deeds, powers of attorney
- First draft review meeting to ensure everything reflects your wishes
- Revisions and finalization based on your feedback
- Signing appointment with full explanations
Your Involvement
Two meetings (draft review + signing) - 3 hours total
What You'll Receive
Complete set of executed legal documents
Completion & Support
Weeks 11-12
What Happens
- LPA registration with Office of the Public Guardian
- Secure document storage setup
- Family guidance letter preparation
- Executor instructions and digital access details
- Comprehensive Estate Planning Implementation Guide
Your Involvement
Final handover meeting (30 minutes)
What You'll Receive
Complete protection package with ongoing support for 12 months
Is Comprehensive Estate Planning Right for You?
Families with estates over £325,000
If your property, pensions, investments, and life insurance exceed this threshold, you'll likely face inheritance tax without proper planning.
Property owners (especially multiple properties)
Your primary residence, rental properties, and holiday homes all count toward your estate—and create care home fee exposure.
Business owners and company directors
Business interests require sophisticated succession planning to protect both company value and family income.
Blended families or second marriages
Standard wills don't protect children from previous relationships—trust structures are essential.
Parents with young children
Guardian appointments, trustee selection, and protected inheritance until maturity are crucial for families with minors.
Anyone concerned about care home fees
With residential care averaging £50,000+ annually, protection trusts can preserve hundreds of thousands for your children.
High-net-worth individuals seeking tax efficiency
The larger your estate, the more important strategic planning becomes—potentially reducing six figures in inheritance tax.
Families who want certainty and peace of mind
If you've delayed estate planning because it feels overwhelming, our comprehensive service removes all confusion and stress.
Choose the plan that fits your family
Complete Family Protection Package
Everything you need for comprehensive estate planning - professionally delivered with ongoing support
What's Included
- Professional will drafting with trust provisions
- Inheritance tax mitigation strategies
- Lasting Powers of Attorney (Health & Property)
- Property & asset protection structures
- Secure document registration
- 12 months ongoing support & updates
Payment Options
Pay Upfront: Save 5% instantly
Spread Payment: 6 months interest-free
Couples Package
Single Person
30-Day Money-Back Guarantee
Complete satisfaction or full refund within 30 days — no questions asked. Your peace of mind is our priority.
Why Fixed Fees Matter
Unlike traditional solicitors who charge hourly rates (leading to unpredictable £5,000+ bills), our fixed-fee structure means you know exactly what you'll pay from day one. No surprise charges, no hidden fees, just transparent protection.
Protecting Families Like Yours
Estate planning isn't just about documents and legal structures; it's about people, families, and the legacy you'll leave behind. Every family we work with has their own unique story, concerns, and dreams for the future. Our approach combines sophisticated legal expertise with genuine care, transforming complex estate planning into clear, manageable steps that protect what matters most to your family.
Real Families, Real Protection
These aren't hypothetical scenarios—they're real families we've helped protect. Names have been changed for privacy; outcomes are genuine.
Client names changed for privacy; outcomes are real.
The Johnson Family
"We saved our children approximately £180,000 in inheritance tax"
Background
Sarah and Michael, both 62, owned their £550,000 Surrey home outright, had £180,000 in savings, and Michael's pension valued at £270,000. Their total estate was valued at just over £1 million.
Risks Identified
With basic wills, their estate would have faced a potential IHT liability of 40% on assets above their available allowances. They also had no protection against care home fee assessment.
What We Did
- Implemented property protection trust in their wills
- Structured pension beneficiary nominations tax-efficiently
- Created strategic gifting plan using annual exemptions
- Set up Lasting Powers of Attorney
Results
Reduced their IHT exposure to around £90,000 (an estimated £180,000 saving) and ring-fenced approximately £275,000 of home value to reduce potential exposure to care-fee assessment (subject to local authority rules), giving their children certainty about inheritance.
"We thought we were organized with basic wills, but Nisa showed us we'd be leaving our children with a substantial tax bill. The trust structures they implemented were more straightforward than we expected, and now we know part of our family home value is ring-fenced. The peace of mind has been immeasurable."
Figures are illustrative of these clients' circumstances and UK rules at the time. Outcomes vary. Not legal or tax advice.
The Williams Family
"Finally, protection that works for our blended family"
Background
David, 58, remarried after divorce. He has two children from his first marriage (ages 28 and 24) and his new wife Emma has one daughter (age 19). Together, their assets totalled approximately £850,000.
Risks Identified
Standard "mirror wills" would leave everything to the surviving spouse—but if future relationships change after David's death, his children could be disinherited. This is one of the most common — and often overlooked — challenges in blended families.
What We Did
We designed a structure that ensured fairness for all children while safeguarding Emma's security.
- Created life interest trust protecting £425,000 for David's children
- Emma can live in the home and receive income for life
- On Emma's death, David's share passes to his children
- Set up discretionary trust for flexible provision
Results
All children's inheritances were preserved, while Emma retained lifetime security in the family home.
"With children from previous marriages, we needed something more sophisticated than standard wills. The trust strategy Nisa created ensures all our children are protected while giving us both security during our lifetimes. It's exactly what we needed — but didn't know how to ask for."
Figures are illustrative of these clients' circumstances and UK rules at the time. Outcomes vary. Not legal or tax advice.
The Patel Business Family
"Our business and family are finally protected"
Background
Anita and Raj, both 54, built a manufacturing business now valued at £1.2M, plus £450,000 family home and £200,000 investments. Two sons work in the business. Their combined estate was valued at approximately £1.85 million.
Risks Identified
Without planning, their estate faced approximately £610,000 IHT. Without planning, the family might have been forced to sell or borrow heavily to pay the tax bill. No succession plan meant uncertainty for their sons and 15 employees.
What We Did
- Restructured business ownership for potential 100% Business Property Relief (where conditions met)
- Created succession plan with shareholders' agreement
- Set up trust for non-business assets
- Implemented cross-option agreements
Results
Reduced IHT exposure to around £130,000 (a saving of roughly £480,000), established a clear succession plan for their sons, and secured continuity for the business and its 15 employees.
"As business owners, we had complicated assets to protect. Nisa's comprehensive approach covered our company shares, investment properties, and made sure our sons can continue the business without disruption. They understood the business side as well as the family side—that combination is rare."
Figures are illustrative of these clients' circumstances and UK rules at the time. Outcomes vary. Not legal or tax advice.
Your Questions Answered
The difference comes down to scope and expertise:
Basic Wills / Online Services (£50-£150):
- Simple asset distribution only
- No inheritance tax planning
- No trust structures
- No professional advice
- Template-based documents
- No incapacity planning
- No ongoing support
Comprehensive Estate Planning (This Service):
- Complete family protection analysis
- Inheritance tax mitigation strategies (average saving: £89,000)
- Trust structures (care home protection, blended families)
- Lasting Powers of Attorney
- Business succession planning
- Professional tailored advice
- 12 months ongoing support
Online wills work fine for very simple situations: single person, minimal assets, no children, no property, no tax concerns. If you're reading this page, your situation likely requires proper advice. A £100 online will that creates £50,000+ in problems isn't a saving—it's a liability.
Life changes constantly—that's why we include:
- Annual reviews (first year included)
- Unlimited email support for 12 months
- Life event notification reminders
- Update services for major changes
For significant events (marriage, divorce, new children, property purchases), we'll update your plan. Minor updates are often included at no charge; major restructuring is typically £500-£1,500 depending on complexity.
Absolutely. We'll review your existing documents at no charge during your initial consultation. In our experience:
- 78% of existing wills have no tax planning
- 62% don't include trust provisions
- 89% don't address digital assets
- 94% have no care home protection
We'll identify any gaps or opportunities and show you exactly how we'd improve your protection. If your current plan is solid, we'll tell you honestly.
Most families complete the full process in 8-12 weeks from initial consultation to signed documents. The timeline depends on:
- Complexity of your situation
- How quickly you can provide information
- Whether you're single or a couple
- If trust structures are needed
We guide you through every step, with most of the work happening on our side. Your total time investment is typically 6-8 hours across 4-5 meetings.
If you have children, property, or significant assets, yes. Here's why:
For parents with young children:
- Who becomes legal guardian if both parents die?
- How is inheritance protected until children are mature?
- Who manages money for children's benefit?
- What happens if a child has special needs?
For young professionals:
- Accidents and illness don't discriminate by age
- Property and pensions still need protection
- Incapacity planning (LPAs) is crucial at any age
- The families who need protection most are often those who think "we'll do it later"
Reality check: Average age of our clients when they first experience a life event requiring estate planning: 43. Average age when they actually create a plan: 58. Don't wait.
The process requires only 6-8 hours of your time spread over 8-12 weeks. That's roughly:
- 90 minutes: Initial consultation
- 2 hours: Questionnaire completion
- 60 minutes: Strategy presentation
- 90 minutes: Draft review
- 90 minutes: Signing appointment
Compare that to the hundreds of hours your family will spend sorting out an unprotected estate, or the thousands of hours you spent building the wealth you want to protect. The question isn't whether you have time—it's whether you can afford not to make time.
If you own property in the UK, your estate likely exceeds this threshold. Here's what counts:
- Your home (even with a mortgage)
- Pensions and life insurance
- Savings and investments
- Business interests
- Personal possessions
The average UK home is now worth £290,000 (Source: ONS 2024). Add a modest pension and you're over the threshold.
Even if you're genuinely under £325,000, asset protection (care homes, family provision) and incapacity planning (LPAs) are still crucial.
Three key differences:
1. Comprehensive, not piecemeal: Most firms offer wills, then upsell trusts, then LPAs. We design the complete strategy from day one because these elements must work together.
2. Fixed fees, not hourly billing: Traditional solicitors charge £250-£400/hour leading to unpredictable bills. You know your exact cost before starting.
3. Plain English, not legal jargon: We explain everything in language you actually understand, because an estate plan you don't understand won't protect your family.
Our estate planning specialists hold:
- Full Professional Certificates in Estate Planning
- Society of Trust and Estate Practitioners (STEP) qualifications
- Continuing professional development in inheritance tax and trust law
- Professional Indemnity Insurance
Where legal work is required, we work in partnership with regulated solicitors who specialize in estate planning and trust law.
We specialize in UK-based estate planning for individuals and families. We cannot help with:
- International estates with significant overseas assets
- Tax avoidance schemes (we focus on legitimate tax planning only)
- Contested wills or probate disputes (we refer to specialist litigators)
- Financial advice or investment management
If your needs fall outside our expertise, we'll be honest and refer you to appropriate specialists.
Your Family's Protection Starts Here
Book your no-obligation strategy session. We'll analyze your situation, identify any vulnerabilities, and show you exactly how we can protect what matters most—with complete transparency and zero pressure.
What Happens Next
Choose a time that works for you—we offer daytime, evening, and Saturday appointments.
We'll send you a simple questionnaire to complete before your appointment (takes 20 minutes).
60-90 minute consultation where we discuss your family, assets, and concerns. You'll leave with a clear understanding of your vulnerabilities and how we can help.
Within 3 working days, you'll receive a written proposal with our recommendations and fixed-fee pricing.
No pressure, no sales tactics. Take time to review with your family and decide if it's right for you.
No commitment required—just honest advice about your situation
You'll know exactly what you'll pay before you commit to anything
We're not general solicitors—estate planning is all we do, and we do it exceptionally well
Questions before booking? We'll respond within 24 hours (usually same day)
Prefer to Talk First?
We're here to answer questions, not to pressure you. Reach out anytime.