Raine Financial Ltd, Wills, Trusts & Powers of Attorney

17/04/2026

Allowing a Spouse/Partner to carry on Living in a Property you own. If you are Not Married then your partner has no rights to carry on living in your Property after you die as it will be passed to your biological children or other family members in accordance with the Laws of Intestacy. If you are Married then only a fixed percentage of your estate will pass to your spouse and then rest will pass to your children/family members directly, this could mean your spouse is forced to sell the property.

If the above applies to you and you would like to ensure your Spouse/partner can continue to live in your property after you die, please get in touch and I will be happy to discuss the available options without obligation. Email: [email protected] or Tel 07917 421 534

17/04/2026

Step Children Do Not Inherit Without a Will – If you are Married and you both have children from previous relationships, unless you have Wills in place, a fixed portion of your estate will pass to your Spouse on death and then when they die the remaining estate will pass to their biological children meaning your own children may not inherit anything.

If the above applies to you and you would like to discuss creating a Will to ensure your children’s inheritance is protected, please get in touch and I will be happy to discuss the available options without obligation. Email: [email protected] or Tel 07917 421 534

17/04/2026

Will My Spouse Inherit Everything if I Die? – No they won’t, if you die without a Will then your estate is shared in accordance with the Laws of Intestacy which divides your estate in a predetermined format, this can mean that the family home may need to be sold to distribute the estate.

Having a Will in place ensures that this will not happen and your estate is distributed according to your wishes.

If you would like to discuss setting up a Will, please get in touch and I will be happy to discuss the available options without obligation. Email: [email protected] or Tel 07917 421 534

18/07/2025

Planning Your Will for A SEND Child Or Relative

If you have a SEND child or relative they could lose their rights to means tested benefits if they inherit a lump sum. This can be avoided by including a Vulnerable Beneficiaries Trust in your Will, this allows your trustees to provide for your loved ones financially without affecting their eligibility to receive means tested benefits.

Please get in touch if you would like to discuss your requirements in detail. Tel 01403 432866 or email [email protected]

Raine Financial Ltd Support the Springboard project and will donate 10% of any fees we receive from their supporters,

02/07/2025

Why You Need A Will
1. Stepchildren will NOT Inherit from your Estate. Stepchildren are not recognized under the Laws of Intestacy.
2. Your Spouse Will Not Inherit your Whole Estate, it will be divided in accordance to the Laws of Intestacy.
3. Your Partner will not inherit if you are not Married.
4. Common Law Spouses are a Myth so no matter how long you have been together your partner will not inherit.

Having a Will ensures your Family and loved ones are protected and your Estate is divided in accordance with your wishes rather than a predetermined formula under the Laws of Intestacy.
Your Will can help protect against future care home fees, appoint guardians for your children, plan to Limit Inheritance Tax, protect the inheritance of children from previous relationships, provide for vulnerable/SEND beneficiaries, protect business assets, protect an unmarried partner from losing their home and to appoint those you trust to deal with your estate for you rather than the courts deciding.

If you would like to discuss your circumstances and find the best solutions to protect your Loved Ones please get in touch to book a consultation in the comfort of your own home. Email Martin today at [email protected] or call on 01403 432866

22/04/2025

Professionally drafted Wills & Lasting Powers of Attorney from £120, Horsham, Crawley & Surrounding Areas
https://rainefinancial.co.uk/

At Raine Financial Ltd we are committed to providing our clients with the highest quality Will Writing & Estate Planning Services. Horsham area & beyond

29/07/2024

Professionally Drafted Wills & Lasting Powers of Attorney from £120, Horsham based Estate Planners, Contact us today for Expert advice and a personalised Quote,

28/06/2024

Estate Planning for Business Owners.
A Professionally Drafted Will Can:

1.Reduce your Inheritance Tax Liability.
2.Provide income for your family when you are gone.
3. Leave your business in Trust or directly to your children.
4.Ensure your business continues to run in accordance with your wishes.
5.Ensure your Loved Ones Inherit everything according to your final wishes

Most business assets will qualify for 100% relief from Inheritance Tax no matter who you leave them to, so when planning for the future it is important to consider how and who you leave them to.

For example Spouses are already exempt from Inheritance Tax so transferring business assets to them is tax neutral and has no advantage whereas transferring directly to your children reduces their future tax liabilities.

If you wish your business to be left as a going concern and provide income for your loved ones you may wish to leave it to your family but allow your current management team to continue to run the business for your loved ones benefit.

As business owners there is a great deal to consider when planning your estate & having a comprehensive Will is just one of them.

For a free consultation and Expert advice call us on 01403 432866 or email [email protected]

07/06/2024

What Happens To A Joint Bank Account If I Don't Have A Lasting Power of Attorney ?

Many couples with joint bank accounts assume that they do not need a Lasting Power of Attorney as they already have control over each others finances but the fact is when a joint account holder loses mental capacity they are no longer able to give permission to the other account holder to access the joint bank account.

When this happens the Bank will freeze the Joint accounts and the account holder who still has capacity will have to apply to the Courts for Deputyship in order to manage the accounts.

Applying for Deputyship can take around 6 months to be granted and can cost several thousand of pounds in legal, court and annual fees as well as the disruption caused by having limited access to your own finances.

This can be avoided by putting in place a Lasting Power of Attorney at a fraction of the cost and without the Bank needing to freeze your bank accounts.

If you leave it to chance and need to apply for Deputyship the fees below give an indication of what it may cost you per application.
Application fee £408.00
If The Court decides a Hearing is required £496.00
Deputy initial Assessment Fee £100.00
Annual Supervision Fee £320.00

This could mean that to apply for Deputyship for both Property & Finance, and Personal Welfare could cost you over £2,400 plus the annual fees of £640.00, this is also assuming that you are applying to the Courts on your own without any Legal advice which may cost a further £300+ per hour.

For as little as £250 we can prepare your Property & Finance and your Health & Welfare Lasting Powers of Attorney to ensure you are protected.

Call or email us today and we will arrange for a free home visit where we can discuss your needs and take your instructions to create your Lasting Powers of Attorney.
Call 01403 432866 or Email [email protected]

24/05/2024

HOW TO PROVIDE FOR A VULNERABLE OR DISABLED PERSON IN YOUR WILL

If you have a child or loved one who has Special Educational Needs or a disability, it is essential that you make provisions for them to ensure they are provided for and protected after you are gone. This can be set up during your lifetime or via a Trust in your Will. Using a Trust will allow you to provide your beneficiaries a regular income, ongoing care and support and help maintain their standard of living.

At Raine Financial we can give you the support and expert advice you need to ensure that your loved ones are protected and cared for when the inevitable happen.

By using a trust you can provide for a disabled relative, child or friend, the trustees will have discretion to use the available funds to make purchases on their behalf, pay bills and provide an income stream. This is especially important if they receive means tested benefits which would be affected by receiving a lump sum inheritance or a large income, the trustees can adapt to the beneficiaries needs and circumstances as they change.

A trust could help support a disabled person if they:
Receive means tested benefits , social care or housing.
Might struggle to make decisions about money and property on their own.
Are at risk of financial abuse or might be pressured to give to others.

If you would like to find out more about our services please visit our website. https://rainefinancial.co.uk/disabled-persons-trust or email [email protected], we offer free no obligation consultations in the comfort of your own home. 7 days a week including evenings.

Call now to connect with business.