Richard Woodward & Associates

Church View House, 17 Church View, St Neots PE19 2BB 
(By appointment only)
email: ​richardwoodward@fastmail.co.uk

Telephone St Neots 01480 290060 

Meet Your Local Specialist Will Writing Team

Will writing   |   Lasting Powers of Attorney   |   Family Trusts   |   Estate Planning  |  Prepaid Funeral Plans

Richard Woodward

Members Of

'The Master Guild of Will Writers'

Iain Batchelor

Relax, sit back in the comfort of your home and let us do all the work for you.
We are based in the Cambridgeshire market town of St Neots, ​with over 25 years combined
Will writing and Estate planning experience we will give you relaxed 'easy to understand' advice on
Will writing, Lasting Powers of Attorney and guidance on planning your estate
​to protect it from possible future care fees.

Most of us work very hard over the years to buy our own homes and build up our savings for our retirement and would like to leave a "little something" to our children and grandchildren when we are gone.

Unfortunately the costs involved in moving into a Care Home can literally wipe out your entire savings and your home may have to be sold to pay for your care fees.

This could mean that your loved ones receive very little or even nothing at all, of what you originally intended them to have.

When someone enters care they are automatically "means tested" and ALL of your assets, including your home, are taken into account. Only those who have very few assets will escape the costs of care.
​
Firstly, it is important to safeguard your home. By simply changing the way you own your home, combined with the appropriate Trust planning, you will effectively ensure that your property is protected should either of you enter care. Also, by simply changing the way any other assets are invested and held, you can ensure that your cash or liquid assets are also protected from Care Cost.

Free - no obligation home visits 7 days a week in

St Neots | St Ives | Bedford | Huntingdon | Biggleswade | Peterborough
Cambridge | Royston | Sandy areas &  all surrounding towns and villages.
Daytime's | Evenings | Weekends 

Will Writing
Single Standard Will £85 + vat | A Pair of Standard Wills £150 + vat

A Pair of 'Protective Property Trust Wills' £250 + vat
(Specialist Wills to protect against care fees)

​Any other Single 'Specialist Trust Will' £175 + vat
including
Wills with full or part discretionary trusts
Wills with flexible lifetime interest trust (FLIT)
Wills granting right to occupy a property
Wills to protect a disabled persons inheritance
(Our fees are fixed, however complicated your Will)


Lasting Powers of Attorney
either or both
Property & Finance | Health & Welfare

Any single Lasting Power of Attorney £300 + vat
Any Pair £500 + vat
2 Pairs £750 + vat
(ie, 2 pairs for a couple, 1 Property & Finance each + 1 Health & Welfare each)

Our fees includes acting as your certificate provider,
the certificate provider certifies that you have 'mental capacity'
and know what you are doing and that you are making the
​Lasting Power of Attorney of your own free will.
Fees to register each LPA are £82 each payable to the
​'Office of The Public Guardian'


Family Trusts
Arranged by a specialist law firm we work with.
​Prices and information in our Company brochure


Safe Hands Prepaid Funerals
'The Best Gift'
Quote & Buy Online Here

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Other Services we Provide
First Registration of Property at H.M.Land Registry  |  Fixed Fee Probate

Please request our Company brochure which contains information on different types of Will, Lasting Powers of Attorney, Family Trusts, Funeral Planning and lots more. Our brochure is 20 glossy A4 pages allowing you to sit back in your chair, relax and read it at your leisure.

6 Problems that can be solved with professional planning.

Probate
Probate costs are much much higher than people expect and should never be underestimated, typically 3% of the value of your estate value. There is also the inconvenience and normally substantial delay in administering someones estate especially on the second death. Contact us to find out how to minimise this cost, or avoid it altogether.


Inheritance tax
If your assets are above the Nil Rate Band amount (325,000 to April 2019) you will need a carefully considered financial plan to manage your way out of it. Your life expectancy will be key in determining which solution you should choose, we can help.


Sideways disinheritance
If your estate is left to your partner on your death and he/she remarries, the whole estate could be left to the new partner and your own children could be disinherited. It happens. Why not leave your share in a life interest trust on first death (solving half of the problem), or alternatively put all of your assets (as a couple or individual) in a Lifetime Discretionary Trust now to protect it (and solve the whole problem in one go).


Unreliable children
Will your children have personal problems at the time of your death? Drink, drugs, divorce or gambling maybe, the risk does exist for some! Your legacy could feed their bad habit. Avoid this by placing your assets in Trust for the benefit of your children but without being directly available to them, unless of course the trustees decide that that is what the parents would have wanted.


Incapacity
Another risk that could make a big hole in your estate is that 1 in 3 women over 65 yrs (and 1 in 4 men) currently go into residential care either through losing physical or mental capacity. Your house and other assets, including your income are at risk of being sold/taken by the Local Authority to pay for your care if this happens. Talk to us because you can do something about it.


Dependent Relative Claims
Anyone can contest your Will under the Inheritance Act of 1975 if you fail to make reasonable provision for spouses, civil partners, dependent children and in certain circumstances, cohabitee's or other dependent's provided they have lived or been together for at least two years. If you are considering leaving someone out of your will that may succeed in a claim, you should consider an alternative solution such as using a Trust; talk to us, we will be pleased to help.

Telephone 01480 290060

Richard Woodward & Associates is the trading name of
RWA St Neots Limited ​Company Number 10570095
​Registered in England & Wales as a limited company.