Head Office 01206 577 266 | Head Office Fax 08717 334 367 | Email us office@hdconsultants.net 
Why would you not want a Will ? Here are some common questions that get asked : 
Q. Who should make a Will? All adults should make a Will. Certainly married couples and, even more importantly, co-habiting partners. Also, anyone, with children, especially those with children from previous relationships. 
 
Q. At what age should you make a Will? Wills are not about age, they are about responsibility and younger people often have the most responsibilities. 
 
Q. What if my circumstances change and I want to change my Will? A Will is a fluid document because it has no effect until you die. You can change it, or update it, whenever you want. 
 
Q. What happens if I don’t make a Will? If you have not made a Will, your estate will pass according to the Law of Intestacy. That means that the State will write a Will for you. If guardians are not appointed, the Court can also decide who has care of your children, it is not always the people you may think are eligible or appropriate. 
 
Q. What inheritance tax will my loved ones pay if I don’t initiate long-term financial planning? They will pay a tax rate of 40% above a threshold of £325,000 for individuals and £650,000 for married couples or those in Civil Partnerships. 
 
Do you wish to step up and take responsibility for the future of safeguarding your family, their future and the distribution of your Estate? 
 
For a free financial and personal review of your Estate contact Caroline J Maguire, Financial and Trust Consultant on 07950 622375 or via email at caroline@hdconsultants.net 
 
Next time, I'll cover the options and benefits of severing a Tenancy 
Tagged as: Estate Planning, Wills
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H D Consultants. Meetings and appointments are held at Hawkins Rd offices (details here) 
 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants accepts no responsibility for the content of these sites.. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1425988 / 28.01.2021 
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