A humorous but serious look at the “lemon juice bank robber” story and the Dunning–Kruger effect, showing why DIY Wills and LPAs can fail — and why a professional review or MOT is the only real test before it’s too late.
Read More4 min read
Qualified, friendly, and experienced in simplifying the process of creating Wills and Powers of Attorney to suit your specific needs at an affordable cost.
While minimising costs & taxes is important, our focus is on planning for people's families, not just their bank accounts.
We take the time to understand your requirements and work with you to create a document that aligns with them.
Remember, creating a Will and power of attorney isn't just for your benefit, it's done for the well-being of your loved ones.
Fern Wills & LPAs, because it’s for them….
Contact us
Get in touch — I’d love to help with your enquiry, no obligation.
- Fern Wills & LPAs, 7 Fern Close, Rugby, UK
- CV23 0UQ
Northamptonshire Office (for correspondence): 11 Wakefield Drive, Welford, Northants, NN6 6HN I usually meet clients by phone, video call, or in the comfort of their own home. I can also arrange meetings at a partner office if preferred. I’ll always aim to get back to you within 24 hours.
Team
Christopher Watts MSWW/ CeMap/ CertRBCB
Private Client Consultant & Will Writer
With over 24 years in financial services and 15 years specialising in Wills and estate planning, I am qualified through both the IPW and The Society of Will Writers. I also hold CeMAP (Distinction) and have completed additional studies in dementia care, helping me support families with empathy as well as technical expertise. Having experienced personal loss myself, I know how important it is to plan with clarity and compassion. My aim is to make the process simple, jargon-free, and reassuring, so clients feel confident at every stage. As a father of five in a blended family, I understand the real-life challenges of family dynamics and the importance of protecting those you love for the future.
Back-Office Legal Team
Legal & Technical team
WillPack bring over 30 years of experience in Wills, Lasting Powers of Attorney, and estate planning, and are a founding member of The Society of Will Writers. They provide technical support to professionals across the UK, ensuring that documents meet the highest legal standards. At Fern Wills & LPAs, all documents are prepared and tailored by me personally. WillPack act as my behind-the-scenes legal partner, available if I need an additional technical check, or to provide extra resilience in busy periods. This means my clients always benefit from both personal attention and the assurance of an experienced safety net. I also draw on WillPack’s regular industry insights to keep my advice current and practical. Their partnership strengthens the depth and reliability of the service I provide, while ensuring that every client benefits from up-to-date expertise and proven legal quality.
Trusted Advisors
Specialist Network
Alongside my own expertise, I work closely with a trusted network of professionals who can provide specialist advice when required. This includes independent financial advisers, accountants, care specialists, property professionals, and other advisers whose knowledge complements the estate planning work I carry out. I remain the single point of contact for my clients, coordinating any input from these trusted advisors where it benefits the client. This ensures advice remains joined-up, jargon-free, and tailored to each family’s needs. Clients never have to manage multiple professionals — I handle the process, while drawing on the right expertise at the right time. This collaborative approach means clients receive not only personal, one-to-one support from me, but also the reassurance that additional knowledge is available whenever their circumstances call for it. Working in this way strengthens my service and ensures that every client receives clear, practical, and fully-rounded guidance.
Services
Estate Planning Services ~ because it's for them...
1 min read
Flexible appointments in your own home (including evenings and weekends) across CV, LE and NN postcodes. We bring the paperwork and make it easy.
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5 min read
A quick review to check your Will still does what you want; we’ll flag any gaps and quote for changes only if needed.
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1 min read
Without an LPA, the Local Authority can take control. Learn how LPAs protect your health, finances, and family — and why acting now matters.
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5 min read
Name who should care for your children and record your wishes, so family and the courts have clear guidance if the unexpected happens.
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3 min read
A private note that explains your decisions and guides executors, trustees or guardians. It complements (but doesn’t replace) your Will or trust.
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8 min read
Professional storage so originals are safe and easy to find, with optional insurance against loss or damage. Easy retrieval when needed.
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8 min read
Clear, fixed-fee help with the legal and financial process after a death. Choose the level of support you need.
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1 min read
Convert joint ownership into defined shares so each person controls where their share goes in their Will.
Read MorePrices
Our Promise on Pricing We believe in clear, fixed fees with no hidden surprises. Every client receives a written quote in advance. Our prices reflect the quality of service and expertise we provide — designed for value and peace of mind, not cut-corner mediocrity. We don’t push or sell. Instead, we explain the options, share the facts, and give you our professional opinion. The final choice is always yours, based on what suits your needs.
Powers of Attorney
MOST POPULAR £250
- Office Of Public Guardian (OPG) Registration Fees (+£82 each LPA)
- Personal consultation
- Processing Payment and all correspondence on your behalf to OPG included
- All outbound postage to you, attorneys and OPG included
- Comprehensive signing instructions
- -Letter to your existing storer of documents for retrieval
- - Property & Financial Affairs Lasting Power Of Attorney (P&F LPA)
- - Health & Welfare Lasting Power Of Attorney (H&W LPA)
- - Business (Commercial) Lasting Power Of Attorney (+£250)
- - General (Ordinary) Power Of Attorney (GPA)
- - Deed of revocation (Cancel existing EPA or LPA) £50 each
- - Search to check if you have existing EPAs or LPAs (Free)
- IMPORTANT NOTE: Our role ends with the registered LPAs being delivered to your home. Clients are always welcome to call and ask for guidance. Only the Donor or an attorney can activate the LPA online.
Standard Will
£300
- Individual £300 - Couples "Mirror" £450
- A standard Will includes.
- Gifts of cash, valuables, assets, furniture, cars & property
- Gifts to charity
- Appoint Principal & Reserve Guardians to raise minor children
- Includes a bereaved Minors Trust (under 18s)/ Young Persons Trust (under 25s) (if required)
- Appoint Principal & Reserve Executors
- Funeral wishes & organ donation
- Make provision for pets
- Name principal & backup beneficiaries
Protection Packages
MOST POPULAR £750
- Individual £750 - Couples £1100
- All protection package prices have been rounded down to encourage you to select the best option for your needs, rather than price. Each option includes, at no additional cost:
- 1) A Standard Will,
- 2) A trust of your choice
- 3) Severance of tenancy and registration with the Land Registry (if required).
- 4) Letter of Wishes (if required)
- 5) Visual Will (simplified diagram) Subject to availability
- IMPORTANT NOTE: Fern Wills & LPAS does not manage or register trusts. Nor do we act as a trustee. This ensures our impartiality. Our role ends with drafting the trust into the will. Over the last 15 years, we have worked with some exceptional trustees and would be happy to introduce you to them. Once a trust is activated, there are associated costs. Trustees can conduct much of the work themselves or appoint trusted professional assistance. Clients are always welcome to call and ask for guidance.
Property Protection Package
£750
- Individual £750 - Couples £1100
- Collectively known as Property Protection Trusts (PPT). These safeguard a partner's right to live in the home while preserving its value for beneficiaries, such as children or stepchildren. They also offer protection against potential loss of assets due to remarriage and possible future financial obligations. When the life interest ends, the property is passed to the beneficiaries and qualifies for inheritance tax (IHT) and the residence nil rate band (RNRB) £175,000 allowances.
- A) Right To-Occupy (RTO) - gives someone the right to occupy/ live in one of your properties. You can specify within this clause if this arrangement is for a set time or event, or usually for the rest of the person’s life.
- B) Property Life Interest Trust (PLIT)—as above, plus it allows the life tenant to have potential rental income, surplus income, and the option to move or downsize.
Family Protection Package
£750
- Individual £750 - Couples £1100
- Ensure that beneficiaries, usually spouses, children or vulnerable adults, are cared for if a partner or parent passes away. Trustees manage the funds like a spouse/ parent would, providing considered access to essential resources rather than distributing them too early or too late.
- C) Discretionary Trust (DT) - extra guidance for those under 25, with protection needs or in relationship instability, receiving an inheritance.
- D) Nil Rate Band Discretionary Trust (NRBDT) - Save IHT for unmarried couples/ Widows / estates between £2m- £3m.
- E) Vulnerable Person Trust (VPT) - Protection and support for vulnerable beneficiaries whilst supporting means-tested benefits.
- F) Life Interest Trust - (LIT) protect all assets and multiple gifts (if required), then passes to children directly at the end of the trust. (High protection and auto RNRB inheritance tax savings)
Modern Family Package
£750
- Single £750 - Couples £1100
- G) Flexible Lifetime Interest Trust (FLIT). These are the ultimate Will Trusts designed to navigate the complexities of modern family structures (previous partners and parents of children). They combine the strengths of Property Protection Wills and Family Protection Wills, offering a tailored blend that provides protection and flexibility.
- This trust offers the most flexibility and control over assets, IHT mitigation, and discretion for Trustees. It includes all options for the PLIT and FLIT plus a discretionary trust on the second death. This trust allows for considered manual Potentially Exempt Transfers (PET 7yr rule), the option to transform into any other Trust (if Required), and maximum flexibility for the surviving spouse.
- Maximum flexibility & Protection though more ongoing costs. Better for estates over £750k or where individual needs dictate.
Additional Trusts
£150
- Additional trusts can be added to any package to tailor to your exact requirements.
- £150 if added to a package or £400 added to a basic Will.
- - Vulnerable/ Disabled Person Trust (VPT)
- - Discretionary Trust (DT)
- - Nil Rate Band discretionary trust (NRBDT)
Letter Of Wishes
£50
- Supports Wills, Trusts & LPAs
- Add control, flexibility and clarity
- Saves re-writes and family disagreements
- Printed copy plus PDF & Word.doc copy provided for unlimited free self-updates
Certificate Provider & Professional Witness
MOST POPULAR £100
- Certificate provider:
- *chargeable for either outcome.
- *includes the Mental Capacity Act 2005 assessment
- *written report regarding capacity (if required)
- Neither service is available remotely.
Storage
MOST POPULAR £20/Year
- (Equivalent from 38p week Single to couples "full Monty" £1.15 per week)
- Wills: £20 per person for Wills and related documents.
- Includes: Will, Trust, Letter of Wishes, Declaration of Trust, Letters to Executors, Land Registry details
- Powers Of Attorney: £20 per person for LPAs and related documents (Half price if stored with the Will)
- Includes: Lasting and General Powers of Attorney & Letter Of Wishes
- Benefits Included:
- Never lose your Will or LPA
- One free copy of each document that is stored, worth up to £125 per person
- £2m insurance per storage agreement
- Registration on the National Will Register (database), worth £30 per Will
- Free and fast access for additions and withdrawals
- 2 Location cards and letters of confirmation
- Save £350-£750 for the need for a mental capacity certificate for retrieval.
- Save up to £140 & 12 weeks delay for new copies from the Office of Public Guardian
- Some protection against the National increase of Will fraud
- Summary of potential savings for a couple:
- 1) Everything you own + distress, pain and inconvenience
- 3) £140 for Office of Public Guardian copies.
- 4) £79.20 Will registration
- 5) £250 Copy documents
- Total: £470 - £2million (7.5yrs - 4,444yrs storage fee)
Express (FastTrack) Service – Priority scheduling when time is limited
£75
- All clients receive our five-star service as standard. When timelines are tight, you can add our Express (FastTrack) Service — a priority scheduling layer that accelerates the usual timetable while maintaining the same high standards.
- Drafts within 3 working days (standard: 15) once we have full instructions and first payment.
- Final documents within 3 working days (standard: 15) after draft approval.
- Fixed one-off fee: £75 per professional fees invoice (covers all Fern services on that invoice).
- Timescales rely on all required information being provided promptly by the client.
- Why clients choose this option
- Upcoming holidays
- Divorce or separation proceedings
- Urgent health circumstances (sudden illness at home or hospital admission)
- Family availability limited to a particular date
- A recent change of address
- Or simply because you prefer a quicker timetable without compromising quality
Probate (Executor Support)
MOST POPULAR £1000
- The standard charge is 2% of the estate value. We charge a fair rate for the work done and excel at clear communication.
- Minimum charge £1000
- We use third-party specialists to ensure a personalised service based on your requirements.
- Free 20-minute consultation and written contracts in advance.
Review/ Updates
£0
- This is your free Will MOT and LPA Servicing:
- Free review of Wills & powers of attorney
- Update to Fern documents at 25% discount from the current published prices.
- Since 2013: The offer may be withdrawn or amended.
Copy Documents
£25
- Wills ~ One printed watermarked copy
- Letters of Wishes ~ One printed watermarked copy
- LPA ~ Stamped copy of an LPA (self-certified)
- Life & Legacy Log
- Attorney Spending Log
- Attorney Spending Log
- All logs =2 Printed + Word & PDF
Declaration Of Trust
£995
- Initial consultation and guidance regarding options.
- Drafting the document.
- Engaging specialist solicitors who will complete the request.
- Price includes VAT charged by the solicitors.
- Price includes Trust Registration service if not all parties are on the legal title.
- Can be fast-tracked (express turnaround) to meet completion dates.
Land Registry Services
£100
- £15 Land Registry searches and copy of Title Deed
- £100 Mutual severance to Tenancy in Common (50/50)(70/30 etc)
- £150 Unilateral severance
- £100 Register Death of Joint Proprietor
Advance Decision/ DNR/ Respect Form
£100
- Advance decision to refuse treatment
- Do not resuscitate etc.
- To be registered with your doctor
- Supports Health & Welfare LPA, to further guide attorneys.
Other Charges
£2
- First consultation – Always free
- Mileage –
- • First visit within CV, NN, and LE postcodes: always free
- • Further visits: £2 per mile, calculated from the closest office (CV23 0UQ or NN6 6HN)
- • Mileage charges are always quoted and agreed in advance
- • Where certificate provider or witness services are paid for, those fees are credited against mileage rates
Reviews
WE AIM TO SURPASS YOUR EXPECTATIONS. OFFERING EXCEPTIONAL VALUE, GUIDANCE, AND SERVICE.
Please CLICK to leave a reviewMrs MW. Rugby
Home Visits & Fixed fee
I chose Chris to apply for LPAs. He was informative, and I was soon confident I made the right choice. I was particularly happy to have home visits as I don't like doing business on the phone. He was very easy to talk to and willing to discuss and explain things. Chris has planned a process in which his fee covers everything, even stationary and postage. I would have no hesitation in recommending Chris.
Full ReviewMr BN. Coventry
Under Budget & honest
"I needed a Power of Attorney for my foreign property, but the solicitor's quote of £800 was too expensive. I got all the documents for myself, mother, & brother at a fair price. He is an honest person, and I recommend him to my family.
Mr WJ. Market Harborough
Three changes to my Will
"I wrote my Will three times. After my wife died, my brother and I reconciled briefly, but we fell out again. I don't have much of value, but my medals and records are important. I gave Chris something when I updated my Will for the third time, but it probably didn't even cover the cost of his petrol. Thanks."
Mr & Mrs BC. Rugby
Limited Budget
"We thought a basic Will was enough but our daughter's specific needs exceeded our budget. Chris added the Trust for free instead of providing a Will that wouldn't match our needs. We're grateful and happy to recommend him."
Mrs CC. Northampton
Guardianship & ex-husband
I have divorced my husband and definitely don't want him to have custody of our children or any more of our money. Chris explained a few strategies that would help to ensure that my children are protected.
Mr & Mrs SW. Rugby
Pending Operation
"My husband needed an operation but was nervous to discuss it. I booked the appointment and Chris made us feel at ease. He wrote and signed the Will within 48 hours."
Mrs MS. Leicester
Urgent LPA
"I got an LPA for my daughter to help me on bad days. We needed it urgently, so we got a General one for now. He called my son to explain. My daughter is relieved."
MR CB. Rugby
New to area
I bought a house after a divorce. I needed a Will as my health wasn't great, and there were now a few people who I definitely did not want to inherit. I did not know anyone in the area, so he organised a Witness for me. Great Guy!
Ms. D. Lutterworth
OMG Common-law myth
I've been with my partner for 12 years, have three kids, and own a house in his name. I contribute to the mortgage and bills, but we found out that I would inherit nothing if something happened to him because we're not married. Also, he has no legal rights over the kids as his name isn't on the birth certificates. We sorted these issues out, but it was a wake-up call.
MRs TJ. Rugby
Need absolute confidentiality
"As a teen, I had a child but lost contact. I need to do right by them. I was helped to leave an inheritance confidentially."
Mr. JF. Daventry
Small Business Owner
Fern Wills & LPAs made setting up my will and trust straightforward and affordable. Their transparent pricing was refreshing!
Mrs HO. Rugby
Listens & Involves Family
Chris is very easy to talk too and listens. Able to explain technical jargon in a way we could understand. Chris responded very quickly to questions we raised. Involving my family in discussions can be distressing. Chris understands and is able to put people at ease. Chris is passionate about what he does and this is evident. We would have no hesitation in recommending him.
Full reviewMrs RB Daventry
Involved the family
Getting my mum's LPAs in place was a worry/stress and seemed extremely complicated. But thanks to Chris it was made extremely easy. Chris explained everything to all involved in a way we could all understand. He visited my mum's home and made us all feel very relaxed. For us personally it was all done effortlessly. It didn't feel uncomfortable, we all got on very well and had a laugh (my mum's a bit of a character). I can't thank Chris enough for making the whole experience smooth, effortless and more easy for us to understand. I would and will highly recommend him if you find the the thought of reading all the paperwork a stress and overwhelming. Thank you Chris from all involved 😀😍. If you are reading this and need help please give him a call.
Mr CJ Brackley
Urgent Power Of Attorney
Outstanding, Informative and Personal service. Chris prioritised our understanding of the services we had requested, breaking down processes so that they were understandable, clear with timelines and made our task of completing official paperwork easy and accurate. Chris takes genuine pride serving his client. I have no hesitation in suggesting you look no further, Fern Wills & LPAs provides the 5* services you are looking for.
Mrs DK Leicester
Clear communication
Professional service from Chris for my elderly uncle’s LPA needs. We had a home visit and lots of communication via phone calls and email. Everything was explained to my relative and we were both happy with the outcome.
Mrs MT London
Financial Advisor
I had the pleasure of working with Chris from Fern Wills on an urgent B2B project. Chris demonstrated the ability to be flexible working outside of business hours. He was knowledgeable, professional and personable throughout our interactions. I would highly recommend Chris and work with him again at any given opportunity. A breath of fresh air!
Full ReviewMR PC
Appreciated time to think
Would 100% recommend Chris if you are looking to get your will sorted. We’d put off sorting our will time and again but Chris was able to explain all the legal jargon in simple terms and was very patient with us whilst simultaneously encouraging us to finally get it done! There is no one-size-fits-all approach here, Chris listened to our requirements and advised accordingly, providing options and recommendations at every step. Nothing was too much trouble and he was always available to answer any queries we had. His prices are very fair and he is upfront with all the costs, there were no hidden charges!
Full ReviewSandra D
Explains every Step
I would highly recommend Fern Wills to help you with your will and power off attorney. Chris is professional, very understanding, he explains everything step by step. Such a pleasure to talk to. Thank you Chris.
Full ReviewMr H, Stoney Stanton
Multiple Family LPAs and Wills
Chris made the process of setting up multiple family LPAs and Wills easy to navigate with great patience, flexibility, multiple visits and online meetings. I particularly appreciated having an informal open conversation at the start of the process without any commitments, where as most other suppliers wanted forms filling in which didn't capture the complexities of our requirements before even talking to us. I feel Chris's approach allowed the subtleties of our personal circumstances to be explored opened up options we were not even aware of to be considered. It really helped to be listened to and build a mutual understanding of what is possible and what we wanted to do Chris was reassuring during the whole process and checked in on our progress checking and validating documents up to and including all the online One Govt access was working correctly.
- Copy
WE AIM TO SURPASS YOUR EXPECTATIONS. OFFERING EXCEPTIONAL VALUE, GUIDANCE, AND SERVICE.
Please CLICK to leave a reviewSimple as 123
Getting your Will or Power of Attorney in place really can be simple. At Fern Wills & LPAs, we’ve designed the process to be clear, stress-free, and easy to remember — just like our phone number: 07500 866 123. Here’s how it works, step by step:
1
Quick chat
Start with a short conversation — usually 10–30 minutes by phone, email, or enquiry form. We’ll listen to your needs, explain the options, outline fixed prices, and follow up with a written summary. From there, you decide if you’d like to move forward.
2
Meeting: Home, office or video
Choose what suits you best: a home visit, office meeting, or video call. Once you’re ready to proceed, we’ll confirm everything in writing, ask for a small deposit to secure your appointment, and then meet to go through the details in plain English.
3
Your documents
Within around 15 days of receiving your information and deposit, we’ll prepare draft documents for you to review. You’ll have time to check them over and request any changes. Once you’re happy, we’ll issue your final signed copies and, if needed, arrange secure storage or LPA registration within a further 15 days.
Wills Articles
Clear guide to the Residence Nil Rate Band: who qualifies, £2m taper, transferable allowance, downsizing, and how to claim.
Read More5 min read
You don’t need to be a UK citizen or resident to make a valid will in England & Wales. Here’s what matters, and when to get specialist advice.
Read More2 min read
A clear guide to why a professionally written Will matters — protecting your loved ones, avoiding disputes, and ensuring your Will is legally valid.
Read More6 min read
Learn how to record ashes wishes in your Will, Letter of Wishes, and Life & Legacy Log. Guidance on permissions, environmental rules, and executor responsibilities.
Read More7 min read
Divorce doesn’t cancel your Will until it’s finalised. Find out why making or updating your Will and LPAs during divorce is essential to protect children, assets, and future decisions.
Read More4 min read
A clear guide to Deeds of Variation: what they can and can’t do, the two-year limit, tax “read-back,” consent rules, FAQs, and why regular Will MOTs still matter.
Read More3 min read
Executors can sell a house as soon as probate is granted. This guide explains the rules, sale options, timelines, tax and council-tax considerations.
Read More4 min read
Business succession planning through Wills, Trusts, and LPAs protects your company, family, and employees. Discover how UK owners can safeguard their business legacy.
Read More5 min read
What is a Letter of Wishes, when should you use one with your Will or trust, and what are the pros and cons?
Read More3 min read
A clear guide to the 7-year inheritance tax rule: how gifts are treated, when taper relief applies, and how families can reduce tax with careful planning.
Read More5 min read
Learn how to ensure your Will includes transgender and non-binary family members in the UK. Fern Wills & LPAs explains the law, best practice, and real-life examples.
Read More3 min read
LPA Articles
3 min read
Your LPAs don’t expire, but they can fail if details are outdated or attorneys can’t act. Find out how a quick LPA service can keep your documents reliable and protect your future.
Read More
4 min read
Step-by-step guide to activating and using your LPA online. Learn about activation keys, access codes, and how to share your LPA securely with banks, doctors, and other organisations.
Read More
6 min read
Guidance for attorneys and deputies in England & Wales on making gifts: what’s allowed on customary occasions, how to assess “reasonable,” when Court of Protection approval is required, and the latest 2025 update on family care payments.
Read More
5 min read
Real-life stories show how families can run into serious problems without a Lasting Power of Attorney (LPA). Discover the risks and see how an LPA keeps things legal, simple, and stress-free.
Read More
3 min read
Step-by-step guide to cancelling a Lasting Power of Attorney in England & Wales, covering unregistered vs registered LPAs, revocation process, and OPG requirements.
Read More
5 min read
A trusted dementia support resource guide for families and carers in Warwickshire, Northamptonshire, and Leicestershire — including local support, helplines, and national services.
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2 min read
Martin Lewis has called a Lasting Power of Attorney “more important than a will.” Here’s why LPAs matter at any age, what happens without one, and how real families have been affected.
Read More
3 min read
A clear, practical guide answering the 30 most frequently asked questions about Lasting Powers of Attorney (LPAs) in England and Wales — covering costs, registration, attorneys, and common concerns.
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5 min read
Many people worry about making a Power of Attorney, but most concerns are based on myths. This article explains common fears, the legal safeguards in place, and real-life examples that show why an LPA is a safe and reassuring choice.
Read More
2 min read
Enduring Powers of Attorney (EPAs) were replaced by LPAs in 2007 but remain valid if made before that date. Find out what they cover, how to register them, and whether you should consider replacing one with an LPA.
Read More
5 min read
Learn how a General Power of Attorney (GPA) works, when it’s useful, and how it compares to a Lasting Power of Attorney (LPA). Includes real examples, pros and cons, FAQs, and myth-busting advice.
Read More
3 min read
If you’re a carer, an LPA can make daily life far less stressful. Discover why “next of kin” isn’t enough, hear real stories from carers, and learn how LPAs protect both you and the person you care for.
Read MoreTrusts Articles
5 min read
I was talking with friends and the conversation came around to asking about trusts. So, even though this is oversimplified, I explained it like this.
Read More
4 min read
Bereaved minors' and bereaved young person’s trusts are both very common. A will making a gift to children on the condition that they reach a certain age (depending on the age) will either create a bereaved minor’s trust or a bereaved young person’s trust (otherwise known as an 18-25 trust).
Read More
13 min read
Discover how a Discretionary Trust can protect your loved ones from financial risks and safeguard assets while offering flexibility and potential inheritance tax advantages.
Read More
9 min read
Vulnerable Person Trust (VPT) ensure that those we leave behind who are unable to care for themselves are cared for by the finances in our estate.
Read More
11 min read
NRBDTs are simply discretionary trusts that take assets up to the value of the Nil Rate Band (NRB). The assets held in the trust are seen as owned by the trust and not by the trust’s beneficiaries and, therefore, are not part of the beneficiaries’ taxable estates.
Read More
6 min read
Couples usually buy a property together as joint tenants, which means they both own the entire property, and the ownership automatically transfers to the surviving owner in case of one owner's death. If you want to gift your share of the home in your Will, you must change the ownership to tenants in common
Read More
2 min read
Including a right-to-occupy trust in your will, you specify that you give someone the right to live in one of your properties. You can specify if this arrangement is for a set time, such as 3 years or for the rest of the person’s life.
Read More
8 min read
Property Life Interest Trust (PLIT) aka (PPT) are among the most common trusts. They are typically used by couples to ensure that a share of the home will ultimately pass to children while still protecting the surviving spouse's interests.
Read More
2 min read
Complex families often come with complex requirements to meet their long-term goals, and matters can be made more difficult when each testator has separate goals or concerns in mind. These goals usually revolve around the inheritance the children are to ultimately receive and when they receive it, and in certain cases, if they inherit at all. Using a Life Interest of the Residuary Estate can cater for most family needs for a number of reasons;
Read More
8 min read
Useful for a person wishing to grant their surviving spouse the right to reside in their marital home until their passing while ensuring their children or grandchildren inherit their portion of the estate.
Read More
4 min read
We should always consider Pets (the furry, scaly, feathered type). You may be pleased to know you can make provisions for them in your Will. Pets can be included in your will through an animal-purpose trust, which ensures their care and upkeep.
Read More
7 min read
Business property relief can significantly reduce or eliminate inheritance tax on business assets. Many UK businesses could be eligible for up to 100% relief. However, this complex area of estate planning often necessitates additional professional advice.
Read MoreResources
Estate planning news explained in plain English.
Offers & Charity
Professional Introductions
Estate Planning (Wills, Trusts, Powers Of Attorney) considers your family, health, assets & finance. We work with other specialists to ensure the best service for you for many years to come. We are pleased to make introductions to our Trusted Advisors & receive introductions or collaborate with yours.
Compliance
ensuring your rights, security and peace of mind
1 min read
To ensure the highest professional and ethical standards, the following standard terms of business apply to all instructions accepted by Fern Wills & LPAs.
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1 min read
For your information security, we verify every client's identity. Please provide an original passport or UK photo driving licence to copy and keep with your records. See the attached list of alternatives.
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1 min read
These notes are intended to assist practitioners (Will & Trusts Writers), settlors (Clients providing the trust), and testators (Clients providing the Will) in the use of the STEP Standard Provisions.
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4 min read
The privacy policy outlines how Fern Wills & LPAs may collect and use your data.
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1 min read
Fully Data Protection registered and Compliant
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1 min read
This guide covers the information that must be read by or to every Donor and Attorney of a Lasting Power Of Attorney.
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1 min read
The Society of Will Writers exists to set a high standard of Will Writing, to maintain and uphold that standard in order to promote good practice and the protection of our clients in legal terms. Below, you will find attached the Society Of Will Writers members and Clients Charters.
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We commit to offering customers the highest possible service standards and are pleased to support the Society of Will Writers ‘TCF principles.
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If you are not satisfied with any aspect of our service, please bring your complaint to our attention as follows:
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