Free Will this September –




Free Will this September


 

Lawindexpro Solicitors is continuing its work with UK charity Brain Tumour Research and in September 2017 we will be offering free Wills from the 7th – 21st.

 

We will draft your Will for free but in exchange we will ask you leave a legacy to Brain Tumour Research in your Will to the value of the fee you would usually pay to us.

 

We offer free, no obligation 30 minute consultations as standard with one of our friendly Solicitors in any of our four offices in Beaconsfield, Henley, High Wycombe and Guildford.

 

If you are interested in leaving a legacy with the benefit of having your Will drafted for free or have any questions then please contact us either by phoning 01628 496687 and ask to speak to our Private Client team or email them:

 

sales@Lawindexpro.co.uk

 

 

 

 

 

Terms and Conditions

1.  This offer is open to all England and Wales residents.  This offer is not available to employees of and their immediate families.

2.  This offer entitles you to one transaction free of charge for a basic single Will up to the value of £350.00 + VAT for an individual or couple on the condition that you leave a legacy to Brain Tumour Research Charity in your Will to the value of the fee you would usually pay us.

3.  This offer only applies to basic Single or Mirror Will instructions and Lawindexpro is allowed to charge for any bespoke or complex trust provisions which you request to be inserted into your Will at a standard hourly rate of £250.00 plus VAT.  All such charges will be quoted to you for your approval prior to those costs being incurred.

4.  Offer valid from 07/09/2017 until 21/09/2017.

5.  The offer may only be used once.

6.  Any persons taking advantage of this promotion do so on complete acceptance of these terms and conditions.


Instruct us to act on your Children or Matrimonial Matter and…have your Will Drafted for FREE –

Instruct us to act on your Children or Matrimonial Matter and…have your Will Drafted for FREE

 

When you instruct us to act in any family matter in September 2017, Lawindexpro Solicitors will include a free Will.

The free Will is subject to you instructing Lawindexpro Solicitors to act for you in your family matter and will be arranged for you by our Private Client te

Terms and Conditions

 

1.  This offer is open to all England and Wales residents.  This offer is not available to employees of and their immediate families.

 

2.  This offer entitles you to one transaction free of charge for a basic single Will up to the value of £200.00 + VAT when you instruct us to act for you in your matrimonial or Children matter in September 2017.

 

3.  This offer only applies to basic Single or Mirror Will instructions and Lawindexpro is allowed to charge for any bespoke or complex trust provisions which you request to be inserted into your Will at a standard hourly rate of £250.00 plus VAT.  All such charges will be quoted to you for your approval prior to those costs being incurred.

 

4.  Offer valid from 01/09/2017 to 30/09/2017.

 

5.  The offer may only be used once.

 

6.  Any persons taking advantage of this promotion do so on complete acceptance of these terms and conditions.

Vacancy – Solicitor – Family Department –




Vacancy – Solicitor – Family Department


We are looking to appoint an experienced Family Solicitor to work within a busy department dealing with divorce, civil partnership, co-habitation breakdown, all aspects of financial matters including TOLATA, pre-nuptial agreements, co-habitation agreements, private children law (privately paying), injunction advice and applications, and advocacy. Child abduction experience would be a bonus.

With proven experience in this area (PQE 3yrs +) a solicitor that is Resolution accredited or a member of the Family Law Advanced panel would be preferred.   Previous experience in acting as a supervisor for Legal Assistants also required, along with a willingness to promote the department through marketing and networking events.

Your ability to operate within a Lexcel accredited company whilst demonstrating commerciality, flexibility, adaptability, professionalism and excellent customer service are pre-requisites for this role.

You will be required to assist with the development of the Family department across multiple locations.  Pro-active networking is part of this role, therefore strong contacts across the local market combined with a commercial instinct, first rate client facing skills, communication and interpersonal skills must be demonstrated.

To be a successful candidate you must understand the compliance regimes associated with a modern law firm, and will have sound commercial acumen enabling you to understand not just the legal issues, but the commercial objectives underpinning them.

Travel between offices will be required therefore a clean driving license and the use of a car is essential.

This role would suit a self motivated individual who is looking to progress a career in a fast moving Commercial environment, who can demonstrate excellent IT skills and works well under pressure.  Previous experience of using a case management system is essential and you will demonstrate a flexible and pro-active approach to problem solving.


Protecting our Digital Legacies When we Die –




Protecting our Digital Legacies When we Die


Traditionally, assets have always been best protected after death by writing a Will to make sure that our loved ones benefit from our legacy – but what about our digital assets?

In recent years we have seen a rapid increase in the use of social media with many people choosing to keep their personal messages, photographs and videos stored primarily online. This gives rise to questions about what happens to your digital life when you die.

A recent story saw a heartbroken mother denied access to her daughter’s Facebook account after she died due to a brain tumour. According to the BBC, Facebook denied the mothers request to her daughter’s account but instead her account was memorialised.

Last year The Law Society urged the public to give clear instructions written in a Will detailing their wishes for their “digital estate”.  This could include: giving your loved ones unfettered access to your account; memorialising your accounts so all friends and family can still see your photos and posts; or it could also detail your wish to close all accounts. The Law Society stresses your Will should provide this information but you should also detail any online bank accounts, investments and digital currency.

Whilst dealing with such assets in a Will is quite a new concept in the traditionally archaic legal world, society’s increasing dependence on technology and innovation certainly ensures this practice will become a necessity in the future.

You need to include an express authority in your Will for someone to deal with your digital assets but you must not give anyone your personal log in details. This is why you should simply list your online accounts rather than include passwords and pins to make sure they are protected against fraud and hackers. Just as importantly, your Executors might commit a criminal offence by using your details.

Lawindexpro have a vibrant and diverse Private Client department who can efficiently and accurately draft your Will taking into account all of your assets by asking all the right questions. Our staff know the steps you need to take to pass digital assets to your chosen beneficiaries without compromising your ongoing online security. If you would like to discuss this further please do not hesitate to contact our Private Client department.


What are the Consequences if You Die Without a Will and “Next of Kin”? –




What are the Consequences if You Die Without a Will and “Next of Kin”?


Intestacy

The term “Intestacy” is used where a person dies without leaving a valid Will. This means the Intestacy Rules will apply and the persons Estate will be divided as per these Rules which are set by the government.

Most people believe the Intestacy Rules mean that your belongings will pass to your next of kin; however, this is not always the case and rarely ever that simple. The matter becomes especially complicated for those who die intestate without any living relatives and the Estate could potentially be paid to the Crown.

For more information about the Intestacy Rules, look out for our blog that is coming soon on the subject.

 

What if I have no apparent family?

An intestate death for people with no connected or apparent family opens up a whole new chapter most people are not aware of. It can cause issues with regards to disposing of the body but also who inherits what and, most importantly, who takes on responsibility for undertaking all the tasks involved in administering an Estate.

 

The consequences of Intestacy

Bona Vacantia

The Latin term “Bona Vacantia” simply means “vacant or ownerless goods” and in the context of intestacy is simply means “no heirs”.

According to recent research and the list which is available to the general public, at the moment there are over 14,000[1] Estates which are looked after by the HM Government Legal Department and most of the Estate are referred to them by:

care homes;

lawyers;

the bereavement office (very commonly);

councils;

hospitals.

In addition to this, over 3,000 Estates are known to be worth more than £15,000 and some even many millions according to the Government.

Under the law, an Estate should be claimed within 12 years of the intestate’s death but under Bona Vacantia it can be extended to 30 years or more at their discretion.

Furthermore, under Government’s discretionary powers, it is not necessary to be an entitled relative (by blood and/or name) to inherit. You can be merely someone who was ‘close’ to the intestate for whom they may have made some provisions in their Will “had they made a Will” would be sufficient. In other words this could simply be cooking, cleaning and helping the intestate in any other way.

A complete industry has evolved due to people dying intestate in recent years known as “Heir Hunting”. This is where heirs to an intestate estate are tracked down on contingency commission based contracts.

Research shows an increase of heirs self-claiming an inheritance; however claimants are often unaware of their legal obligations to trace others who might be entitled and may find that not all of the inheritance (or in fact any of it) is theirs.

A potential claimant will only need to prove that he or she is a blood relative by submitting documentary evidence to prove their relationship to the deceased. This will ensure that they have a prior claim to the Crown who will take the money otherwise.

Having said this, there have been instances where claimants have been taken aback when they found out that another relative has a better claim and entitled to either more or all of the estate and they are left with nothing despite personally funding the cost of the claim and going through the hassle.

 

What can I do about it?

When looking back at the above the easier option would be to simply make a basic Will which is inexpensive, easy to do and clearly sets out your wishes.

At B legal Solicitors we pride ourselves in giving our clients clear and precise advice, which is easy to understand and follow. We are more than happy to sit down with you and discuss your issues, concerns and what you would like to achieve from your Will in our free, no-obligation half hour consultation.


The Guildford Business Club – Launch Event


The Guildford Business Club – Launch Event!

This September marks the launch of an exciting new opportunity for business professionals in Guildford. If you are a local business owner, thinking about business start-ups, mortgage advisor, bookkeeper or accountant, The Guildford Business Club has a range of opportunities for you and your business! The Guildford Business Club is designed for people who want answers to all things legal and financial, both in their personal and professional lives.

The Guildford Business Club is a Business Biscotti Gold club organised by Lawindexpro Solicitors and St James Place Wealth Management. The club provides a forum for people to receive up to date information and support from both legal and financial experts. Breakfast meetings will be held once per quarter and you can expect to receive topical briefings on a variety of financial and legal subjects.

As well as a delicious choice of breakfast for you to enjoy, there will be opportunities for you to network with local business people, raise your own business profile, receive financial and legal support, ask questions from expert advisors and keep up to date with new legal and financial legislation.

Our tailored “ask the expert” section involves guest speakers from related industry giving advice specific to local businesses in the Guildford area. It is most definitely an opportunity not to be missed!

Places are limited! So to book your seat at our launch event, click on the link at the end of this article and follow the instructions. Alternatively, for more information visit our website at http://www.businessbiscottigold.com/buckinghamshire/marlow/buckinghamshire/marlow/the-marlow-business-club/the-marlow-business-club-september.html

Alternatively, you can email Charlotte Digby or at Lawindexpro on cdigby@Lawindexpro.co.uk or sales@Lawindexpro.co.uk

*Please note that business attire is required on attendance.

17th September, 7:30 – 9:30am

Venue: The Assembly Room – Guildford


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10 Great Reasons to Write Your Will


10 Great Reasons to Write Your Will

Many people make it a New Years Resolution to make a Will but before they know it work and family life soon takes over and they never get around to it.  Not making a will is a missed opportunity to have your say about what happens after you die. Here are just 10 reasons which illustrate the importance of making a will:

1. Security

A Will is the only way to ensure your Property and possessions will go where you want to. Nothing can beat the feeling of relief knowing that your loved ones will be financially secure after your death. If you have no family and do not make a will everything will go to the Crown.

2. You are Unmarried

If you are unmarried but have a partner who you would like to inherit in the event of your death, then you must make a Will. Unmarried partners have no rights to an estate of a loved one and will receive nothing.

3. Guardians for your Children

If you have children under the age of 18 your Will can stipulate who is to be a guardian in the event of your death. It would give you the security of choosing who is going to look after your children.

4. Prevent Family Feuds

If you do not leave clear instructions after your death then rifts may occur between your family members. This can be the result of one or more parties feeling that they are more entitled than others to certain assets. In writing your Will this can help to avoid any arguments and unnecessary expense and delay after you have gone. This can be particularly relevant if you have remarried and have children from previous relationships.

5. Skip a Generation

It might be the case that your children are financially secure and that you want your Will to benefit your grandchildren. A Will can be set up so that it skips a generation thereby ensuring your grandchildren’s financial security.

6. Change in personal circumstances

If you already have a will but have since married, entered into a civil partnership, separated, divorced or remarried then you must make a new will. If you are separated but not legally divorced and do not have a will your assets will pass to your spouse even if you no longer live with them. 

7. Sentimental Items

If you have items of great sentimental value or family heirlooms then you may wish to stipulate in your Will who should have these to prevent arguments and ensure that the sentimental value will not be lost in years to come.

8. You’ve had a Windfall

If you are fortunate enough to come into some money, no matter what age, you should consider writing a Will. It is easy to forget to make such plans when you are enjoying an unexpected cash flow – however this often means that the money isn’t distributed in accordance with your wishes in the event of your death.

9. Charity

A Will can be set up so that your estate is donated to charity. If you have an organisation or support a group close to your heart which you would like to leave something to then we can write your Will to respect those wishes.

10. Keeping it in your own family

If you and your partner have children from a previous relationship or marriage then you may wish to leave your estate to your blood relatives as opposed to passing to your new partner’s family. You can arrange this by making a will. In the unfortunate event that you and your spouse died together then it may be deemed that the eldest person died first. If your spouse is younger than you then your estate would pass to them and could pass to their family either by their will or intestacy rules.

These are only 10 of the great reason to make Will and there are many more. Why not give us a call and find out how we can help you get the security and peace of mind that you deserve.

The Private Client Team

, Fareed Kazi, Stephen Bucknill, Kate Corris, Michael James and Joanne John

We have offices in Guildford, High Wycombe, Henley and Beaconsfield and are happy to see clients in any of our office locations or at home if it is not possible to travel.

Please contact – sales@Lawindexpro.co.ukDirect Dial: 01628 496674 for more information


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The Guildford Business Club – January 21st meeting –


The Guildford Business Club – January 21st meeting

 

We would like to thank all who attended our launch meeting of the Guildford Business Club on September 17th. We are pleased to confirm that our next meeting will be held on Wednesday January 21st 2017.

We welcome all local businesses, business start-ups and other industry experts such as; mortgage advisers, bookkeepers and accountants. The Guildford Business Club has a range of opportunities for you and your business! As well as a delicious choice of breakfast for you to enjoy, there will be opportunities for you to network with local business people, raise your own business profile, receive financial and legal support, general business advice, ask questions from expert advisors and keep up to date with new legal and financial legislation.

The Guildford Business Club is a Business Biscotti Gold club organised by Lawindexpro Solicitors and St James Place Wealth Management.

Our tailored “ask the experts” section involves guest speakers giving advice specific to local businesses in the Guildford area. It is an opportunity not to be missed!

In this meeting we are joined by Business Coach Paul Warriner who is talking about ‘Turning Good Intentions into Good Practice’ and Private Client Insurance Broker Paul Huntley giving a talk on ‘Helping You Protect Your Biggest Personal Asset’.

Places are limited! So to book your seat at our second event, please click on the link at the end of this article and follow the instructions. Alternatively, for more information visit our website at http://www.businessbiscottigold.com/buckinghamshire/marlow/the-marlow-business-club-january.html.

Alternatively, you can email at Lawindexpro  on sales@Lawindexpro.co.uk

*Please note that business attire is required on attendance.

Wednesday 21st January, 7:30am – 9:30am

Venue: The Assembly Room – Guildford


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Vacancy – Receptionist – High Wycombe –




Vacancy – Receptionist – High Wycombe


We are looking to appoint a full time Receptionist in our busy High Wycombe office.

You will need to deliver friendly, efficient customer service and to create a warm and welcoming atmosphere for all our clients.

Administration duties will also apply to this varied role, and a flexible, can do attitude is essential. You will need to demonstrate good literacy and numeracy skills together with a good working knowledge of Microsoft Office programmes. A minimum academic requirement of 5 GCSE’s at Grade B (including Maths and English) preferred.

Please see our website for details on how to find out more and instructions on how to apply http://www.Lawindexpro.co.uk/vacancies/


Pensions and Divorce –




Pensions and Divorce


When dealing with a case involving pensions on a divorce or dissolution of a civil partnership there are three potential options;

• Pension Sharing

• Pension Attachment (Earmarking)

• Pension Offsetting

Without a doubt pensions can be difficult to understand. That’s why specialist advice is needed and that will often involve a separate pension expert and involvement by an actuary.

There are a variety of different pensions which may need to be considered, to include personal pensions, final salary schemes and often executive pensions, such as SSASs (Small Self Administered Schemes). An actuary can asses the options and present a report setting out the calculations and the relevant options to assist with negotiations.

Once matters are agreed, separate advice is often needed on how to actually implement the pension share or pension attachment. It is obviously important that the relevant pension order is implemented properly and in a timely fashion. Equally, separate advice can be taken about how best to rebuild a pension following the pension share.

Pension Sharing

A pension share essentially means that a pension on divorce is shared between the parties. The pension member who loses a percentage of the pension (pension debit) and the other party receives the percentage of the pension which is subsequently transferred (pension credit). The person receiving the pension share then has his/her own entitlement to that share of the pension.

There are two options in relation the pension credit;

• An internal transfer – this means that the pension remains within the existing pension scheme; or

• An external transfer – where the pension credit has to be transferred out of the existing pension scheme and invested in a new pension of his/her choice.

A pension sharing order can only be made following a divorce and by a Court order. A pension scheme has four months to implement the pension sharing order/ annex from the date it is served with the relevant papers. In considering pension sharing, it is also important on a case by case basis to consider the other relevant options of pension attachment and offsetting.

It is also important that the pension valuation is fair and accurate and special care must be taken where the pensions are perhaps unusual in nature particularly where the benefits are undervalued or are connected to a privately run business – this is where independent actuarial input can be crucial.

Pension Attachment

This effectively means that part of the pension is paid to the other party when the pension is drawn or in payment.

A pension attachment order can be made by a Court and following a divorce. Commonly, a pension sharing order will not take effect for some time as the member of the pension scheme will not have retired. Common problems with pension attachment orders are that they end at the death of a pension member or on the remarriage of the spouse. A pension earmarking order, might be an attractive option where the death in service benefits are high and a member of the scheme is near retirement.

Pension Offsetting

This basically means that the value of the pension benefits are offset against the value of other assets commonly the family home or investments. This could be appropriate where the pensions are modest, where it is the case of a short marriage and/or parties are of a young age and/or pension sharing is not a viable option, for example, because the case involves and overseas pension where sharing is not allowed.

Process

Where there is an application for ancillary relief the applicant must indicate on Form A if this will include any pension arrangements.

A copy of this form must be sent by the person with the pension rights to the persons responsible for each pension arrangement (scheme provider or administrator) requesting the following information;

Valuation of pension rights or benefits

A cash equivalent transfer value (CETV)

Details of the benefits included in the valuation.

Whether the administrator will offer membership to the person receiving a pension credit as an internal transfer, or whether an external transfer would be necessary.

Schedule of charges which would be levied.

This information then forms part of the overall negotiations and a report may be produced by a pensions expert to aid negotiations in this regard.

Once a Pension Sharing Order is made an annex is attached for each pension arrangement which outlines the specific percentage value of the pension arrangement to be transferred as well as the date at which the benefits are to be valued and how the charges are to be apportioned between the parties.

The annex will usually require the recipient to include details of where their pension credit will be received – therefore pensions advice will be required to select the most appropriate vehicle.

The scheme provider/ administrator must discharge their liability within the period of 4 months beginning the date on which the order or provision takes effect or the first day they are in receipt of the order, including the annex.

How Brown Shipley can help;

We have pension experts who can provide advice and guidance for individuals with regards to pension matters and we also have our own pension wrapper which can accept most pension credits.

We are more than happy to discuss a situation in outline without obligation, working with the individual’s advisors and our Private Bankers to ensure an effective solution.

Brown Shipley & Co Limited is a UK authorised bank, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In relation to Pensions and Financial Planning Brown Shipley provides advice on a restricted basis.

Brown Shipley is also a member of the network of private banks known as KBL European Private Bankers, which, together, manage over €40 billion of client assets.