Evening and Weekend Home Visits Available In Horsham, Crawley & Surrounding Area.
Evening and Weekend Home Visits Available In Horsham, Crawley & Surrounding Area.
At Raine Financial Ltd we are committed to providing our clients with the highest quality Will Writing & Estate Planning Services. Our team of skilled Will Writers understand that preparing for the inevitable can be an incredibly emotional and overwhelming process. We will listen to your needs and prepare a professionally drafted legally binding Will that will ensure your loved ones and your legacy are protected.
Our Will Writers are all fully qualified & full members of The Society of Will Writers and as such maintain their high standards of excellence. You will be given a free no obligation consultation in the comfort of your own home where we can discuss your needs, wishes and goals and we will provide you with expert advice on how you can achieve them.
Our Will Writers understand how personal and sensitive planning your estate can be so they will ensure that you receive friendly expert advice giving you all the options available to you and how they will help to create a Will that will reflect your wishes.
Our free Home consultations are available 7 days a week including Evenings.
f you would like to discuss your needs in greater detail please call us on
01403 432866 or email martin@rainefinancial.co.uk
Lasting Powers of Attorney from £125
The Future is unpredictable and no one likes to think that at some stage in their lives they will not be able to make their own decisions or need help carrying out day to day activities but unfortunately this is very common, it could be through old age, illness or injury.
Lasting Powers of Attorney are legal documents that authorise people you trust to make decisions on your behalf, this could be because you can no longer make decisions yourself or it may just mean you want a family member to act on your behalf to deal with certain matters such as dealing with your bills or your banking.
A lasting power of attorney is an essential part of estate planning and must be made while you still able to make your own decisions, it can be created to take effect either immediately or when you have lost mental capacity depending on your preferences.
If you do not have a Lasting Power of Attorney in place and you lose mental capacity, have a stroke, an accident or an extended stay in hospital then no one can automatically step in to make decisions for you.
If this was to happen your loved ones would need to apply to the court of protection to act on your behalf which may mean that while the court process is reviewing your situation there is no one that can undertake your day to day financial responsibilities or to make decisions regarding your health and welfare.
There are 2 types of Lasting Powers of Attorney that you may need:
Property and Finance Lasting Power of Attorney:
This covers decisions relating to:
· Buying and selling any property you own.
· Operating bank accounts.
· Paying bills.
· Claiming benefits or pensions.
· Making and filing tax returns
· Managing household expenses
· Managing care and medical costs.
· Making gifts on your behalf (charities)
· Tax planning
Health and Welfare Lasting Power of Attorney
This allows your Attorney to make decisions on your behalf such as:
· Deciding on appropriate care .
· Deciding on your permanent place of residence.
· Consenting to or Refusing medical treatment for your benefit
· Choosing your social activities
· Deciding on the level of care you may need.
· Making decisions about diet and personal appearance.
If you don’t already have a Power of Attorney in place we can help you prepare for every possibility please call us on 01403 432866 or email martin@rainefinancial.co.uk. Our prices start at £125 per Lasting Power of Attorney.
Our Wills start at £120 and Our Lasting Powers of Attorney start at £125
We pride ourselves on offering professional and easy to understand Will writing and Estate Planning Services throughout the Horsham district. This allows our clients to protect the value of their estate whilst ensuring that their loved ones are protected and benefit in accordance with their final wishes. To discuss making a Will or to book a free no obligation home visit contact us today.
Raine Financial provide a complete range of personalised Will Writing and Estate Planning Services in Horsham and the surrounding area including Wills, Powers of Attorney, Trusts and Inheritance Tax planning to help preserve your wealth and to maximize your loved ones inheritance. See our services page for full details.
If you would like to book a free no obligation consultation please call us on 01403 432 866 or 07917 421 534 or email martin@rainefinancial.co.uk
We offer home visits in Horsham, Crawley and the surrounding areas.
Having a Will and a comprehensive Estate Plan are 2 of the most important documents that you will ever need. They ensure that your loved ones benefit in accordance with your final wishes and help protect them both financially and emotionally from the stresses of dealing with your estate at such an upsetting time.
For expert advice on making a Will and to find out more about our full range of Will Writing Services contact us today.
We are a Horsham based Will Writer and we offer our clients a professional and personalised Will Writing and Estate Planning service. Our free consultation gives you the chance to tell us what you would like to achieve and allows us to explain the options available to you so that we can create a personal plan to meet your requirements.
No matter how large or small your estate is, having a valid Will takes the decision making out of the hands of the courts and allows you to retain control and ensure that your final wishes are carried out and that your loved ones are not left with the additional emotional stress of trying to guess what you would have wanted.
Raine Financial Ltd offer expert Estate Planning Advice in and around the Horsham area. We will make sure that your affairs are in order so that you have peace of mind and your family do not have to worry about dealing with your estate,
No matter how old you are or how much money you have, it is essential to have a Valid Legal Will in place as it will take away the added stress and emotional upset from your loved ones and give them peace of mind by knowing that everything is being done as you would have wished, without a valid Will the state decides how your estate is divided which may mean that family members do not receive the gifts that you intended for them , if you are married this may mean your spouse only receives part of your estate and if you have a partner but are not married they may not be entitled to any of your estate which by law will be passed to blood relatives in a predetermined order.
Everyone should have a Will in place to protect their loved ones, it is also essential to create or update your Will if your circumstances have or are changing such as getting divorced, getting married, buying a property or if you own a property jointly with your partner but are not married.
Having A Valid Will Allows You To:
Avoid Family Disputes – Having a Will that details your final wishes is important to help avoid uncertainty in the distribution of your estate which could cause conflict between beneficiaries who feel they are entitled to certain assets.
Appoint Executors – This ensures that your estate is dealt with by people you know and trust and not just representatives appointed by the Court.
Appoint Guardians – If you have children under the age of 18 it is essential to appoint guardians to look after them, this ensures that their wellbeing is entrusted to someone you trust and your children know and are comfortable with, If you do not have a Will it will be down to the Courts to decide who will look after them.
Appoint Trustees – Where you are using Trusts to ring fence certain assets for a specific purpose such as to provide financial support for children or vulnerable family members.
Make Charitable Donations – to help support an organisation that is dear to you.
Leave Specific Gifts – this could be cash, jewellry or family heirlooms that you would like to leave to a specific person, without a Will this cannot be done.
Mitigate Inheritance Tax – Having a comprehensive Will allows you to plan for Inheritance tax and ensures your beneficiaries inheritance is maximised.
Express Funeral Wishes – if you have specific plans for your own funeral then these can be detailed to enable your executors to carry out your final wishes.
Provide Financial Protection – A professionally drafted Will gives you peace of mind knowing that you’re Partner, children, pets and other dependants are taken care of when you are gone.
To find out more about making a Will and our full range of Will writing services contact us today to book a free home consultation. We cover Horsham and the surrounding areas.
In addition to our Will Writing Services we also provide the following to ensure that your Family are protected when you are gone;
Lasting Powers Of Attorney – A lasting Power of Attorney is an essential legal document when planning your estate and can’t be left until the last minute. There are 2 Lasting Powers of Attorney that you will need one is for Property & Finance which allows your appointee to make financial decisions for you including collecting benefits, paying bills and arranging housing The 2nd one covers Health & Welfare which allows those you appoint to make decisions regarding your daily routine, medical treatment, care and life sustaining treatment. It is IMPORTANT to note that a Lasting Power of Attorney needs to be made while you still have mental capacity BUT it only comes into effect when you lose mental capacity. This does mean it may never be needed but it is crucial to have in place to ensure that you or your partner do not lose the ability to access your finances or make medical decisions on loss of capacity through Dementia, Alzheimer’s accident or other illnesses. By the end of 2024 it is expected that over 1 million people in the UK will be suffering with Dementia alone.
Advanced Decisions/Living Wills – these give you the option to choose under what circumstances you would like to continue to have life sustaining treatment and when you would not.
Trusts – Trusts are a legal mechanism that will ring fence certain Assets for a specific purpose. Some common uses for trusts are to preserve your children’s inheritance should your surviving spouse remarry or if they need to go into long term care.
Property Protection Trust – Allows you to place your share of your home into a trust for your children whilst giving your spouse the right to remain living in the property until their death. This allows your share of the property to pass to your children upon 2nd death regardless of whether your spouse has remarried. As the beneficiary of the property would be your children and not your spouse it means that should your spouse need to go into care the local authority cannot force the sale of the property or include your children’s share in their assessment for paying care home fees. This doesn’t mean the fees will not have to be paid but it ensures your children’s inheritance is not used to pay them. This type of trust can be included in your Will and will come into effect on your death.
Lifetime Trusts – are established while you are alive, they take effect immediately and may incur Inheritance Tax on any assets above the Nil Rate Band allowance of £325,000 should you pass away within 7 years of making the gift into the trust.
We Offer Expert Advice on Writing Wills and Planning Your Estate to ensure your loved ones are protected and their inheritance is maximised. We have made our Will Drafting process as straightforward as possible and can review or update your Will in line with any changes in your personal circumstances.
Raine Financial Ltd
50 Hurst Court, Horsham West Sussex RH12 2EW
Copyright © 2024 Raine Financial Ltd - All Rights Reserved.
Raine Financial Ltd