RuthJames
Mortgages

WILLS & TRUSTS


Making a Will


The FCA do not regulate will writing, inheritance tax planning, trusts and long term care planning.


If you don't make a Will, the law determines who will benefit from your Estate and Shares.


Will writing is not regulated by the Financial Conduct Authority. Will writing is not part of the Intrinsic Financial Services offering and is offered in our own right. Intrinsic Financial Services accept no responsibility for these aspects of our business.

If you have made a Will...Well done!

However is it up to date and relevant?

...does it say what you want it to say?

...does it protect your home from care costs?

...does it minimise your Inheritance Tax liability?

If not you need to telephone us today.

Ruth James Mortgages will refer you to a qualified advisor from Lifetime Legal for individual advice. Lifetime Legal are specialists in advising on Wills and Trusts which will address your specific concerns.

If you have not made a will...

The absence of a Will can cause heartbreak, financial hardship and unnecessary expense for your family at the worst possible time. For a small investment of time and money YOU can write what YOU want in YOUR Will, protecting your loved ones whilst enjoying peace of mind.

Ruth James Mortgages will refer you to a qualified advisor from Lifetime Legal for individual advice. Lifetime Legal are specialists in advising on Wills and Trusts which will address your specific concerns.

Trusts

The Financial Conduct Authority do not regulate Trusts, Long Term Care Planning and Inheritance Tax Planning.

Please take a few moments to consider the following questions:

  • If you total up the value of your own and your spouse/partner’s assets, including any insurance policies and death in service benefits, is the value above the nil rate band? (currently £325,000 and £650,000 for couples) 
     
  • Are you concerned that if you go into care, your assets, especially your home may be lost to pay for your care? 
     
  • Do you have ‘in-laws’ who you would not like to receive or gain control of your family assets? 
     
  • Are you concerned that future divorces or separations in the family may dilute the assets that you have left for your children, grandchildren and future generations? 
     
  • Have you left money to minors in the will that you would rather be managed by members of the family rather than a local solicitor or worse still, the Courts with the associated costs? 
     
  • Have you left assets to any member of the family who receives Disabled Benefits from the state or other state benefits?

If you have answered yes to any of the above questions then a Trust may be the correct option for your estate.

To arrange an appointment please call 07779 608139.

Ruth James Mortgages will refer you to a qualified advisor from Lifetime Legal for individual advice. Lifetime Legal are specialists in advising on Wills and Trusts which will address your specific concerns.