It’s a very common assumption.

Unfortunately, it isn’t correct.

Without the appropriate legal authority in place, even those closest to you may not be able to make important decisions about your finances, property or, in some cases, your health and welfare.

Isn’t my spouse automatically allowed to deal with everything?

No.

Whether you’re married, in a civil partnership or have adult children, there is no automatic legal right for someone else to manage your affairs simply because they are your next of kin.

Banks, building societies, pension providers and other organisations have a legal duty to protect your information and your assets. Without the correct authority, they may be unable to discuss your accounts or allow someone else to make decisions for you.

This can come as a surprise at an already stressful time.

What happens if I lose mental capacity?

If you lose the mental capacity to make your own decisions and you have not already put a Lasting Power of Attorney (LPA) in place, your family cannot simply create one on your behalf.

Instead, they may need to apply to the Court of Protection to become your Deputy.

This process can take several months and is generally more expensive and more restrictive than having an LPA already in place.

During that time, managing finances, paying bills or dealing with other important matters can become much more difficult.

What is a Lasting Power of Attorney?

A Lasting Power of Attorney is a legal document that allows you to choose someone you trust to make decisions on your behalf if you are ever unable to do so yourself.

There are two different types:

Property and Financial Affairs LPA

This allows your chosen Attorney to help with matters such as:

• Managing bank and savings accounts
• Paying household bills
• Dealing with pensions and investments
• Selling or managing property if required
• Handling other financial matters

Health and Welfare LPA

This covers decisions relating to your personal wellbeing, including:

• Medical treatment
• Care arrangements
• Daily routine and personal welfare
• Decisions about where you live
• Life-sustaining treatment (if you choose to give this authority)

When should I make an LPA?

The best time is before you ever need one.

An LPA can only be created while you have the mental capacity to understand and sign the document.

Many people think LPAs are only relevant later in life, but illness or accidents can happen unexpectedly at any age.

Having arrangements in place provides reassurance that, should the unexpected happen, the people you trust will have the legal authority to help.

Choosing the right Attorney

One of the most important decisions is choosing who will act on your behalf.

Many people appoint:

• Their husband, wife or partner
• An adult son or daughter
• A close family member
• A trusted friend

You can appoint more than one Attorney and decide how they should make decisions together. You can also appoint replacement Attorneys in case your original choice is unable to act in the future.

The right arrangement depends on your individual circumstances, and it’s important to take time to consider who you trust to act in your best interests.

Planning ahead brings peace of mind

Most people hope an LPA will never be needed.

However, having one in place means that if circumstances do change unexpectedly, your loved ones can support you without unnecessary delays or legal complications.

Planning ahead isn’t about expecting the worst. It’s about ensuring the people you trust are able to help if the need ever arises.

We’re here to help

If you’re considering putting a Lasting Power of Attorney in place or would simply like to understand how it works, we’d be happy to talk you through the options.

Our team can explain the process in plain English, answer any questions you may have and help you choose the arrangements that are right for you and your family.

To arrange a conversation with our team, please contact Anvoner Law on 020 8449 0003 or visit www.anvoner.co.uk.

However, over recent years, rising property values and frozen tax thresholds have meant that more families are finding themselves affected than they might have expected.

Understanding how Inheritance Tax works does not necessarily mean making major changes or complicated plans. Often, it starts with understanding what forms part of your estate and whether your circumstances may be affected.

What is Inheritance Tax?

Inheritance Tax (IHT) is a tax that may be payable on a person’s estate after they die.

Your estate includes assets such as:

• Property
• Savings and investments
• Personal possessions
• Business interests
• Certain life insurance policies

Any debts and liabilities are usually deducted before the value of the estate is calculated.

While not every estate will be subject to Inheritance Tax, it is important to understand how the rules may apply to your circumstances.

Why are more families being affected?

One of the biggest reasons is property.

Many people purchased their homes years ago when property prices were significantly lower. As values have increased, estates that may once have fallen comfortably below the relevant thresholds can now be much closer to them.

At the same time, key Inheritance Tax allowances have remained largely unchanged for several years.

As a result, some families are finding themselves in a very different position from the one they expected.

A common misconception

One of the most common things we hear is:

“Inheritance Tax won’t affect us.”

For some families, that may well be true.

However, assumptions can sometimes be based on outdated property values or a misunderstanding of what forms part of an estate.

A family home, savings, investments, pensions and other assets can quickly add up when viewed together.

This is why taking time to understand your position can be valuable, even if you believe Inheritance Tax is unlikely to apply.

Does everyone pay Inheritance Tax?

No.

A number of allowances and exemptions may be available depending on individual circumstances.

For example, assets left to a spouse or civil partner are often treated differently, and there are additional allowances that may be available when passing a family home to direct descendants.

The rules can be complex, which is why understanding your own circumstances is important.

What about gifts?

Many people are aware that making gifts during their lifetime can sometimes form part of wider estate planning.

However, there are rules surrounding gifts and how they may be treated for Inheritance Tax purposes.

The timing, value and nature of a gift can all be relevant.

For this reason, it is sensible to seek advice before making significant decisions based on assumptions or information found online.

When is it worth reviewing your position?

There are a number of situations where reviewing your estate may be beneficial, including:

• Purchasing or selling property
• Receiving an inheritance
• Retirement
• Significant changes in savings or investments
• Changes in family circumstances
• Creating or updating a Will

Even if no immediate action is required, understanding your position can provide reassurance and help inform future decisions.

Why understanding your position matters

Inheritance Tax is often viewed as something that affects other people.

In reality, changing property values and evolving family circumstances mean it is becoming relevant to more families than many realise.

Taking the time to understand your position does not mean expecting the worst. It simply allows you to make informed decisions and ensure any plans you have in place continue to reflect your wishes.

If you would like to discuss your circumstances or understand how Inheritance Tax may apply to your estate, our team would be happy to help.

Anvoner Law
Clarity. Care. Confidence.

020 8449 0003
www.anvoner.co.uk

Between planning the wedding, settling into married life and perhaps even buying a home together, reviewing your Will is unlikely to be at the top of your to-do list.

However, many people are surprised to learn that getting married can have a significant impact on an existing Will.

Does Marriage Affect My Will?

In most cases, yes.

Under the law in England and Wales, marriage generally revokes an existing Will. This means that a Will made before marriage may no longer be valid once you are married.

There is an exception where a Will has been specifically drafted in contemplation of a particular marriage, but this is something that needs to be addressed when the Will is prepared.

Without this provision, marriage will usually cancel the existing Will.

Why Does This Matter?

Many people assume that because they already have a Will in place, nothing further needs to be done after getting married.

Unfortunately, this can lead to unintended consequences.

If your previous Will has been revoked and no new Will has been put in place, your estate may be distributed according to the rules of intestacy rather than your personal wishes.

This can create uncertainty for loved ones and may not reflect the arrangements you intended.

Doesn’t Everything Automatically Go to My Spouse?

This is one of the most common misconceptions we hear.

While spouses often have significant rights under the intestacy rules, it is not always as straightforward as many people believe.

The position can vary depending on factors such as:

• Whether you have children
• The value of your estate
• The assets you own
• How those assets are held

A Will allows you to clearly set out your wishes rather than relying on default legal rules.

What About Unmarried Couples?

The opposite misconception is equally common.

Many couples who have lived together for years assume they have the same legal rights as married couples.

In reality, there is no such thing as a “common law spouse” under the law of England and Wales.

If you die without a valid Will, an unmarried partner does not automatically inherit under the rules of intestacy, regardless of how long you have been together.

This can come as a surprise to many families and may create additional difficulties at an already challenging time.

Other Life Events Worth Reviewing Your Will For

Marriage is not the only milestone that should prompt a review.

It can also be sensible to revisit your arrangements following:

• Divorce or separation
• Buying or selling a property
• Having children or grandchildren
• Significant changes in financial circumstances
• The death of an Executor or beneficiary
• Changes in tax legislation

Even if nothing major has changed, reviewing your Will periodically can provide reassurance that it still reflects your wishes.

A Good Time to Check

Many people see making a Will as a task that only needs to be completed once.

In reality, a Will should evolve alongside your life and circumstances.

Major life events often provide a useful opportunity to review existing arrangements, ensure your wishes remain up to date and give yourself confidence that everything is structured as intended.

If you would like to review an existing Will or discuss your circumstances, our team would be happy to help.

Anvoner Law
Clarity. Care. Confidence.

What is a Trust?

When people hear the word “Trust”, they often picture complicated legal structures or substantial wealth.

In reality, Trusts can be used by many different individuals and families as part of wider estate planning.

Put simply, a Trust is a legal arrangement that allows assets to be managed by one person (known as a Trustee) for the benefit of another person or group of people (known as the Beneficiaries).

Trusts can be used during your lifetime or created through your Will, depending on your circumstances and objectives.

Why might someone consider a Trust?

Every situation is different, but Trusts are often used to provide clarity, protection and flexibility.

For example, a Trust may help:

• Protect assets for future generations
• Provide for children or grandchildren
• Support vulnerable beneficiaries
• Help manage how assets are passed on over time
• Protect assets following changes in family circumstances

For many people, a Trust is less about complexity and more about ensuring their wishes are carried out in the way they intend.

Are Trusts only for wealthy people?

This is one of the most common misconceptions.
While Trusts can certainly be used as part of larger estates, they are not exclusively for wealthy individuals or families.
Many people use Trusts to address specific family circumstances, protect loved ones or create greater certainty around future arrangements.

The suitability of a Trust will depend on your personal situation, rather than the size of your estate alone.

Five situations where a Trust may be worth considering

Not everyone will need a Trust, but there are certain situations where it may be worth exploring the option.

1. You have young children
   Many parents want to ensure that money or assets intended for their children are protected until they reach an appropriate age.A Trust can allow assets to be managed on a child’s behalf, helping to ensure they are used for their benefit while providing flexibility around when they can access them directly.

2. You have a blended family
   Modern families often have more complex dynamics than they did in the past.Where there are children from previous relationships, remarriages or multiple beneficiaries to consider, a Trust can sometimes help ensure assets are distributed in accordance with your wishes while balancing the needs of different family members.

3. You want to protect assets for future generations
   Some people wish to pass wealth, property or other assets down through the family while providing an additional layer of protection.A Trust may help ensure assets are managed and preserved for future generations rather than being distributed immediately.

4. A beneficiary may need additional support
   In some circumstances, a beneficiary may be vulnerable due to age, health or personal circumstances.A Trust can allow funds or assets to be managed on their behalf, helping to ensure their needs are met while providing ongoing support and protection.

5. You would like greater control over how assets are used
   For some people, the priority is not simply deciding who receives an asset, but how and when it should be used.A Trust can provide flexibility and structure, allowing Trustees to manage assets according to the wishes and intentions set out by the person creating the Trust.

What types of Trust are there?

There are several different types of Trust, each designed to achieve different outcomes.

Some are intended to provide beneficiaries with immediate access to assets, while others allow assets to be managed or distributed over time.
The most appropriate option will depend on your circumstances, your wishes and who you are planning for. This is why professional advice is important when considering whether a Trust may be suitable.

Does this mean I need a Trust?

Not necessarily.

Trusts can be a valuable planning tool in the right circumstances, but they are not appropriate for everyone. The best approach is often to understand the options available and consider how they fit with your personal circumstances, family situation and long-term objectives.

A conversation with a professional can help you understand whether a Trust is likely to be beneficial and, if so, which type may be most appropriate.

Common questions

Can I put my house into a Trust?

Potentially, yes. Property can be placed into certain types of Trust, but whether this is appropriate will depend on your circumstances and objectives. Professional advice is important before making any decisions involving property.

Can I change a Trust once it has been created?

Some Trusts offer flexibility, while others are more restrictive. The ability to make changes will depend on the type of Trust and how it was established.

Who can be a Trustee?

A Trustee can be a family member, friend, professional adviser or a combination of these. It is important to choose someone who is trustworthy, organised and willing to take on the responsibility.

Are Trusts only used after someone dies?

No. Some Trusts are created during a person’s lifetime, while others are established through a Will and only come into effect after death.

Trusts are often seen as something complicated or only relevant to a small number of people.
In reality, they can be a practical and effective planning tool for a wide range of families.
The most important thing is understanding whether a Trust could help achieve your goals and provide the reassurance you are looking for.

If you would like guidance

If you would like to understand whether a Trust may be suitable for your circumstances, we are always happy to have an initial conversation and explain the options available in a clear and straightforward way.

Anvoner Law
Clarity. Care. Confidence.

Not because they are unimportant, but because they can feel difficult to begin.

In many cases, it is not the legal side that creates hesitation. It is simply not knowing how to start, or not wanting to make the situation feel uncomfortable.

As a result, these conversations are often delayed until something changes, at which point they can become much harder to navigate.

Why these conversations matter

When plans are not discussed, families are often left making decisions without clear guidance.

This can lead to uncertainty, delays or added pressure at a time when things are already difficult.

We often see situations where the right intentions were there, but the detail was never shared. People are left trying to piece things together, unsure whether they are making the right decisions.

A simple conversation in advance can provide clarity, reduce stress and help ensure that wishes are properly understood.

What people tend to avoid talking about

These conversations are usually not complex, but they can feel personal.

They often include practical questions such as who would step in to help if needed, whether any plans are already in place, and where important documents are kept.

There can also be more personal considerations, such as preferences around care, financial arrangements, or how certain responsibilities should be handled.

In many families, some of this is assumed rather than clearly discussed. While assumptions may be correct, they can just as easily lead to confusion later on.

Even a basic level of understanding can make a meaningful difference.

What can happen when nothing is discussed

Without these conversations, families are often left dealing with both the practical and emotional impact at the same time.

This might mean trying to locate documents, understand financial arrangements, or make decisions without knowing what someone would have wanted.

It can also place pressure on one person to take the lead, even if they do not feel fully prepared to do so.

These situations are not unusual, and they are rarely the result of poor planning. More often, it is simply that the conversation never quite happened.

How to start the conversation

There is no perfect way to approach this, but keeping things simple often works best.

Choosing the right moment can make a difference. A relaxed setting, such as during a walk or over a coffee, often feels more natural than a formal discussion.

It can also help to begin with your own thoughts rather than asking direct questions. For example, mentioning that you have been thinking about getting things organised can open the door without creating pressure.

Keeping the conversation gradual is important. This does not need to be resolved in one sitting. It is something that can develop over time, with each discussion adding a little more clarity.

The aim is not to cover everything at once, but simply to make a start.

A more positive way to think about it

Rather than focusing on what might go wrong, these conversations are really about making things easier for the people around you.

They allow decisions to be made with confidence, reduce uncertainty and create a shared understanding within the family.

For many people, once the first conversation has taken place, there is a sense of relief that it is no longer something left unsaid.

Common questions

What if my family are not comfortable talking about this?
That is very common. In many cases, it helps to approach the conversation gradually rather than trying to cover everything at once. Starting with your own plans or thoughts can often make it feel less direct and more natural.

Do we need to have everything decided in one conversation?
Not at all. These conversations rarely happen all at once. It is usually a series of smaller discussions over time, each adding a little more clarity.

When is the right time to have these conversations?
There is rarely a perfect moment. Many people find that everyday situations, such as a change in circumstances, a family event or even hearing about someone else’s experience, can provide a natural starting point.

What if plans are already in place?
Even where a Will or other arrangements exist, it is still helpful for family members to have a general understanding of what has been put in place and where key information can be found.

Should these conversations include professional advice?
In some cases, yes. Once initial conversations have taken place, it can be helpful to speak with a professional to make sure everything is properly structured and reflects your wishes.

These conversations do not need to be perfect. They just need to happen.
Taking a small step now can make a significant difference later, both practically and emotionally.

That part matters, but it is only one piece of the picture.

In practice, many Executors struggle not because the Will is unclear, but because important information was never written down or shared. These gaps often come to light at an already difficult time, adding unnecessary stress and uncertainty.

Below are some of the things we most commonly see being overlooked.

Where important documents are kept
Even when a Will exists, Executors are often unsure where the original is stored.

This may include:

The original Will
Property deeds
Insurance policies
Trust documents
Details of pensions or investments

Knowing what exists is helpful. Knowing where it is can make all the difference.

Which professionals to contact
Families are sometimes left trying to piece together who was involved in someone’s affairs.
Think about a creating a contact sheet of the professionals related to your affairs such as, Solicitors, Financial advisers, Accountants, Mortgage providers and Insurance brokers.

A simple list of professional contacts can save time and help avoid delays during estate administration.

Online accounts and digital information
Digital assets are increasingly important, but frequently overlooked.

This may include:

Email accounts
Online banking or investment platforms
Subscription services
Cloud storage
Social media accounts

Executors do not need passwords, but knowing which accounts exist and how to approach them can prevent confusion later.

Funeral wishes that were discussed but not recorded
Many people speak informally with family about funeral wishes, but those conversations are not always written down. This can leave loved ones unsure whether they are doing the right thing, even when trying their best to honour those wishes.
Recording preferences clearly can remove uncertainty at an emotional time.

Personal items with sentimental value
Not everything of importance has financial value. Items with sentimental meaning, such as jewellery, photographs or family heirlooms, can sometimes cause unexpected tension if wishes are not clearly expressed. A short note explaining what matters, and why, can help avoid misunderstandings.

Why this matters
None of the above replaces a properly drafted Will or legal advice. However, making this information clear in advance often makes a real difference for those left behind. It can reduce uncertainty, help Executors feel more confident, and allow families to focus on what matters rather than searching for answers.
Good planning is rarely about doing more. It is about making the right things clear.

Here when you are ready to talk
Many conversations start with a simple question rather than a plan.

If you are reviewing your Will, thinking about putting one in place,
or would like guidance on how to support your Executors,
we are always happy to talk things through.

From 1st–31st October, we’ll be giving our time and expertise to write basic Wills free of charge. Instead of paying a fee, clients are invited to make a voluntary donation to Noah’s Ark. These donations help the charity provide specialist care and support to children with life-limiting or life-threatening conditions, while also offering their families practical and emotional support.

Why Make A Will? A Will is one of the most important legal documents you will ever make. It ensures your wishes are respected, your loved ones are protected, and that the process of dealing with your estate is simpler for those you leave behind.

Despite this, many people delay making a Will, often finding it difficult to talk about or unsure of how to begin. Make a Will Month provides the perfect opportunity to take this important step in a supportive, compassionate way, while at the same time contributing to a local cause that touches many lives.

How Does It Work? Taking part is simple. To arrange an appointment, you can contact Anvoner Law remembering to mention “Noah’s Ark – Make a Will Month” when you book. During your appointment, we’ll prepare your basic Will with the same professionalism and care that we bring to all our work. Instead of paying a legal fee, you will then be invited to make a donation directly to Noah’s Ark Children’s Hospice in support of the invaluable services they provide.
The suggested donation is £120 for a single Will or £175 for a pair of mirror Wills, though any additional work beyond a basic Will may involve separate costs agreed with you in advance.

Please note: more complex Wills or changes to existing Wills may incur additional charges, which we’ll always agree with you in advance.

Why This Matters? Our Principal Solicitor, Samantha Anastasiou, specialises in private client work and is dedicated to helping families plan for the future with clarity, compassion, and care.

For Samantha, Make a Will Month is about more than just the legal process:

By inviting clients to donate to Noah’s Ark instead of paying a Will fee to us, we’re able to support an incredible local charity while ensuring families have the peace of mind a Will brings. Community is at the heart of what we do, and this campaign allows us to combine our professional expertise with giving something meaningful back.

– Samantha Anastasiou

Supporting Noah’s Ark Children’s Hospice: Noah’s Ark is the leading children’s hospice service in north and central London, providing vital care to children with life-limiting or life-threatening conditions. Their dedicated team offers everything from clinical support and specialist therapies to respite care, sibling support, and end-of-life care.

By taking part in Make a Will Month, every donation made in place of a Will fee goes directly towards helping children and families make the most of every day.

Find Out More

If you would like to learn more about Make a Will Month
or Noah’sArk Children’s Hospice, you can visit their
website: noahsarkhospice.org.uk.

At Anvoner Law, we are proud to play a small part in this wider effort,
helping families plan for the future while also supporting one
of our community’s most important charities.

When I stepped into this role, my goal was simple: to honour the firm’s proud 30-year legacy while shaping a more modern, compassionate, and community-minded practice for the future.

The world has changed a lot in that time, and so have the needs of the families we support. Now, more than ever, people want straightforward, trustworthy advice delivered with care and understanding. That’s the experience we strive to create every single day.

Putting people first
The last few years have reminded us all of what truly matters – family, stability, and peace of mind. At Anvoner Law, our work has always been about more than paperwork. We help people through some of life’s biggest moments – planning ahead for loved ones, protecting what they’ve built, or dealing with loss.

That responsibility is something we take seriously. Every client who walks through our doors should feel seen, supported, and understood – not rushed or overwhelmed.

Modernising without losing our heart

Over the past three years, we’ve invested in clearer communication, simpler processes, and a warmer, more personal experience.

We’ve refined how we explain legal matters, making sure every conversation is grounded in clarity, not jargon. We’ve also updated our systems and digital tools so clients can get the information they need, when they need it – whether that’s securely sharing documents or appointments online.

Our focus has remained on the areas that make the most difference to local families:

• Wills & Estate Planning – helping families protect what they’ve built.
  
• Probate – easing the pressure during life’s most difficult times.
• Lasting Powers of Attorney – giving peace of mind for the future.

Each service is built around real people, not processes – ensuring that even the most complex situations are handled with empathy and professionalism.

Strengthening our roots in the community
Anvoner Law has always been part of the local fabric. Supporting community causes and local charities is something I’m personally passionate about.

One initiative particularly close to my heart is Make a Will Month in partnership with Noah’s Ark Children’s Hospice. The hospice provides vital support to seriously unwell children and their families, and being able to contribute to their work through our legal expertise feels incredibly meaningful. Community work like this reminds us why we do what we do – to help families find comfort, clarity, and confidence when it matters most.

Looking ahead

As we look to the future, our mission remains unchanged: to make private client law feel human, accessible, and reassuring. We’ll continue building on what makes Anvoner Law special – a trusted local practice where every client is treated with warmth and respect, and where legal advice comes with empathy, not intimidation.

“Anvoner Law has always been about people, not paperwork.
Our role is to bring clarity, care, and confidence to every family we help.”

Whether you’re planning your future or navigating the loss of a loved one, we’re here to guide you with professionalism and compassion, every step of the way.

Samantha

Samantha Anastasiou
Principal Solicitor of Anvoner Law

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As a result of an epidemic of “blissful ignorance” we see so much money going to the taxman unnecessarily.  Most people don’t worry too much about Inheritance Tax because they think it only applies to ‘rich’ people.  But these days, anyone owning their own home may well be ‘rich’ enough for their assets to be liable for tax when they die.  If these matters aren’t addressed early on then it may well be too late, and you could have worked hard all your life just to hand everything over to the tax man when you die.

The Inheritance Tax allowance currently stands at £325,000 – with an additional allowance of £175,000 if you are leaving a property in your Estate to direct descendants.  Tax is paid at a rate of 40% on anything in an estate over and above that amount unless passing to your spouse or to charity, but with proper planning this can be greatly reduced or even eliminated altogether. You could save your loved ones a considerable amount of money by the use of flexible wills, properly advised lifetime gifts and trusts, and by taking advantage of Inheritance Tax reliefs and exemptions.

As specialist Solicitors, at Anvoner Law we recognise that every person has a different set of circumstances and different priorities and wishes.  We can explain to you in plain English how Inheritance Tax works and how it can often be avoided or minimised by taking the right steps.  We’ll go through suggestions which are relevant to your situation, showing how tax planning  can work, and what possible disadvantages have to be weighed against potential benefits.

Luckily for Sonia, she was given a reprieve when it became apparent that she still had her Grandad’s Inheritance Tax allowance to use, but not everyone will be that fortunate.  So don’t take a chance – get in touch with us for expert advice or download our brochure for further information. https://anvoner.co.uk/inheritance-tax-protection-of-assets/