* If you cohabit, under the laws of intestacy (dying without a Will) your partner will not receive anything from your estate.

* Guardianship of minor children may be uncertain.

* If you and your spouse are separated but not divorced (by decree absolute) unless you make a Will to the contrary then they may inherit your estate.

* Children may inherit substantial sums of money at a time when they are not mature enough to manage the same. A Will can control the release of money to your children.

* You may want to specify a particular trusted individual to be the executor of your estate. An executor will deal with the administration of your estate following your death.

* Your loved ones may be faced with a massive tax bill which it may have been possible to alleviate to a certain extent if a suitable Will had been prepared.

* You can give great pleasure to people dear to you by leaving them keepsakes or small gifts.

REVIEW YOUR WILL REGULARLY

Once you have made your Will, it is important to change it regularly and particularly as your circumstances change.

PROTECT YOUR ASSETS

Couples are often concerned as to what would happen to their home in the event one required residential care in the future. Creating a tenancy in common of your property and preparing a special type of will is extremely popular for clients with these sorts of concerns. I can advise on these elements.