ELM Legal Services

ELM Legal Services 📝 Will Writing, Probate & Estate Planning
🏆 Award Winning Estate Planning Services
🧠 FREE Masterclass: https://bit.ly/3UpIOH2
elm-online.co.uk
(3)

01/06/2026

Is it fair that unmarried partners get nothing?
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29/05/2026

Could clarity prevent family conflict?
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28/05/2026

The normal expenditure out of income rule 📝
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Proud to be a Feefo Platinum Trusted Service Award winner for the 4th year running 🎉This award isn’t decided by a panel...
26/05/2026

Proud to be a Feefo Platinum Trusted Service Award winner for the 4th year running 🎉

This award isn’t decided by a panel or picked at random - it’s an exclusive mark of service quality, based entirely on verified reviews from real customers. We’re very proud to have a 4.8 ⭐Feefo rating 👏

Every review matters. A huge thank you to all our customers for taking the time to provide feedback 🧡

Most people think their Will covers everything...including their pension. But as Martin Lewis recently highlighted, that...
21/05/2026

Most people think their Will covers everything...including their pension. But as Martin Lewis recently highlighted, that’s not how it works.

In many cases, your pension is decided using your expression of wishes, not your Will.

That means:
👉It could go to an ex-partner
👉It may not reflect your current wishes
👉And your Will won’t override it

What should you do?
✅Check your pension nomination forms
✅ Update them after major life changes
✅ Make sure everything aligns with your Will

And if you need any help, we’re here to help you get the full picture right - not just part of it.

Inheritance tax isn’t always as straightforward as people think 🤔Everyone has a nil-rate band of £325,000, taxed at 0%. ...
19/05/2026

Inheritance tax isn’t always as straightforward as people think 🤔

Everyone has a nil-rate band of £325,000, taxed at 0%.

And if you leave a qualifying home to direct descendants, you may also benefit from a residence nil-rate band of up to £175,000.

For married couples and civil partners, these allowances can usually be combined, meaning up to £1 million can pass on tax-free in the right circumstances.

Anything above your allowances is typically taxed at 40%.

But here’s where it gets interesting 👇👀

If you make a genuine gift and survive seven years, it usually falls outside of your estate for inheritance tax. These are called potentially exempt transfers (PETs).

But if you pass away within those seven years, the gift is pulled back into your estate. And crucially, HMRC applies it first - using up your nil-rate band before anything else is considered.

Which means less allowance to protect what you still own, and potentially more taxed at 40%.

It’s one of the most commonly misunderstood parts of estate planning - and getting it wrong can be expensive!

Watch our video to find out more: https://bit.ly/4tl3DBu

18/05/2026

How your child's divorce could affect your home 🏡
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15/05/2026

Earlier this year, Jim sat down with Darrell Irwin from Hum4ns for an episode of the Purpose People Podcast 🎙️

They covered everything from Wills and estate planning, to how AI is helping transform the way we work behind the scenes, plus Jim’s passion for building new services that make things easier for families.

Watch the full episode here: https://bit.ly/4uKW9sh

We’re proud members of the National Will Register 🤝We’ve already registered over 35,000 Wills with the National Will Reg...
14/05/2026

We’re proud members of the National Will Register 🤝

We’ve already registered over 35,000 Wills with the National Will Register, helping make things much simpler for families when it matters most.

This means that when the time comes, your loved ones or executor can search the register to quickly confirm a Will exists - helping to avoid the risk of an unregistered will being overlooked or a previous Will being acted upon in error.

It’s all about making an already difficult time a little clearer, and ensuring your wishes are followed as intended 👏

13/05/2026

The estate planning move councils look at first 👀
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Address

765 Fishponds Road
Bristol
BS163BS

Telephone

+448000194557

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