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….

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.


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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.

We listen, explain the options, and let you choose. We offer transparent, fixed fees with a written quote. Our fees reflect the standard of service and expertise provided — designed to deliver value and peace of mind.

Standard Will: individual £300 | £450 couples (mirror)

1 min read

A professionally drafted Will that gives clarity, protection, and peace of mind. Fixed-fee pricing includes consultations, full copies, and lifetime support for future updates.

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Protection Packages Individual £750 | Couples £1,100

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Comprehensive Will Trust packages that protect homes, families, and beneficiaries. Choose from Right to Occupy, Life Interest, Discretionary, or Flexible Life Interest Trusts — all fully drafted within your Will.

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Lasting Powers of Attorney | £250 per LPA (all inclusive)

3 min read

Create your Property & Financial Affairs and Health & Welfare LPAs with full professional drafting, registration, and signing guidance.

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Home Visits & Family Meetings

2 min read

Arrange a personal home, online, office, or family meeting to discuss your needs, wishes, and options in a relaxed, no-obligation conversation.

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Document Storage (£40 per year — all-inclusive)

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Keep your Wills and LPAs safe, insured, and instantly accessible with Fern Wills & LPAs’ professional document storage service.

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Enhanced Personal Options

4 min read

Upgrade your Will, Trust or LPA with convenience-driven extras: printed originals, guided calls, priority scheduling and support for you and your family.

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Will and LPA MOT | £45 (redeemable)

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A combined MOT for your Will and LPAs — one simple £45 review to make sure your documents stay valid, compliant, and up to date.

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WE AIM TO SURPASS YOUR EXPECTATIONS. OFFERING EXCEPTIONAL VALUE, GUIDANCE, AND SERVICE.

Please CLICK to leave a review
Mrs 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 Review
Mr 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 review
Mrs 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 Review
MR 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 Review
Sandra 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 Review
Mr 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.

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WE AIM TO SURPASS YOUR EXPECTATIONS. OFFERING EXCEPTIONAL VALUE, GUIDANCE, AND SERVICE.

Please CLICK to leave a review

A Letter of Wishes adds context and guidance to your Will, trust, or LPA—helping executors, trustees, and attorneys follow your intentions with confidence.?

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3 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.

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5 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.

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3 min read

Blended families include couples who have children from previous relationships. As joyful and fulfilling as they can be, they also come with unique estate planning challenges — especially when it comes to ensuring everyone is treated fairly.

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7 min read

Discover how to exclude someone from your will while protecting your wishes. This article explains real-life cases, success stories, and the Inheritance Act 1975, with practical tips to avoid disputes and ensure your estate passes as intended.

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7 min read

A third of marriages in England and Wales involve someone who’s been married before—often with children from previous relationships. Blended families bring complex financial dynamics, so how do you provide for your new spouse while ensuring all your children inherit fairly? Here's how to balance love, legacy, and lifelong commitments.

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1 min read

Choosing music for a goodbye is a personal reflection of our identities, whether it's Sinatra, Beyoncé, or "Always Look on the Bright Side of Life." A Lloyds Bank study shows 80% of adults have selected their final songs, but only 59% have written a will, prioritizing funeral playlists over financial planning.

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1 min read

A codicil is a legal document used to make amendments to an existing will without the need to draft a completely new will. Codicils can be used to add, alter, or revoke specific provisions in a will, and there is no statutory limit to the number of codicils a testator may execute. However, using codicils requires careful consideration due to the risks and complexities involved.

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3 min read

Let's delve into the intriguing stories of celebrities who, despite their immense wealth, either passed away without a will or left behind ambiguous and contentious legal documents. Their legacies often sparked disputes and raised questions about how their fortunes would be handled after their deaths.

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11 min read

Most people accumulate a great deal of ‘stuff’ throughout their lives. Some items are valuable in real monetary terms, while others hold sentimental value. Much of this personal property falls under the definition of ‘personal chattels’.

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6 min read

Your Will is only valid in its original, signed form. Learn why home storage is risky, how professional storage protects against loss or damage, and how Fern Wills & LPAs offer to safeguard every document.

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4 min read

Inheritance tax can cost loved ones £100,000s when you die, with it generating £7 billion for HM Revenue & Customs in one recent tax year alone. But in reality the vast majority of people (around 96%) don't have to pay a penny, while the few who do can legally avoid huge swathes of it. This guide runs through five inheritance tax need-to-knows.

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10 min read

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.

ensuring your rights, security and peace of mind

Terms of Business
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Terms of Business

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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Evidence Of Identity
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Evidence Of Identity

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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STEP Standard Provisions, 3rd Edition
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STEP Standard Provisions, 3rd Edition

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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Privacy Policy
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Privacy Policy

The privacy policy outlines how Fern Wills & LPAs may collect and use your data.

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ICO Registered and Compliant
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ICO Registered and Compliant

Fully Data Protection registered and Compliant

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Mental Capacity Act 2005 - LPA
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Mental Capacity Act 2005 - LPA

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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SWW Standards Charters
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SWW Standards Charters

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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Treating Customers Fairly (TCF)
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Treating Customers Fairly (TCF)

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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Complaints Policy
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Complaints Policy

If you are not satisfied with any aspect of our service, please bring your complaint to our attention as follows:

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