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How we helped Ryan and Natalia

The challenge

Ryan is divorced but has recently become engaged to Natalia.

Ryan has three sons aged 17, 15 and 9 from his previous marriage. Natalia has a daughter aged 16 from a previous relationship.

Ryan and Natalia recently purchased a property together. They do not have a Will in place but it is something they have discussed for a while prior to becoming engaged.

Both Ryan and Natalia wish for their share of the property to be left to their respective children in the event of their death. However, it was established during our fact-find that they would not be able to achieve this based on the ownership of their property. The problem is that in the event one of them dies, the property would pass to the survivor and thus there is a threat of disinheriting the children of the deceased should the survivor update the Will or remarry.

The solution

We were able to remedy this situation by changing the ownership of the property and include the specific clauses in the Will to offer the reassurance required to all parties.

The results

Should Ryan and Natalia pass away, their share of the property would fall, in trust, to their respective children which ensures that they will not be disinherited should the survivor remarry or update the Will.

Case Studies

When a Will review was needed for Steve and Jane

Steve and Jane have been married for 45 years and have two children; Carol and Simon. They own property as beneficial joint tenants and each have investments totaling £180,000 with their financial planner.

Protecting John and Jill's children

John and Jill have three adult children; Leo, Joey and Charlie. Leo is recently separated and is starting the divorce process. He is living in rented accommodation and is planning to purchase a property again once the divorce is finalised.

What our clients say

Paul’s knowledge, professionalism and compassion for client circumstances shine through at all times. As we share these values and our premium services, it means we work well alongside each other. I also value his rapid turnaround times when speed is of the essence to protect financial futures. From my angle, I recognise how his input has contributed to my brokerage growth.

Having known Paul for several years it was a no-brainer for me to engage his expertise to help my clients when he acquired a successful estate planning and will writing business. I've learned from experience that STEP-qualified professionals with Paul’s level of expertise and client-first approach are few and far between.

How much do I trust and value Paul’s advice and service? At the highest level, which is why I have introduced him to family, friends, colleagues and clients. Each delighted with his manner, knowledge and service. It’s not a question of why an IFA would want to work with Paul, it’s why not a question of why an IFA would want to work with Paul, it’s why

Working with Paul provides a resource to open up conversations with clients that was not before available to me. He is forward thinking and provides solutions for even the most complex cases I present to him. These solutions are regularly new to me and allow me to provide extra advice and services that further enhance client outcomes.

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