ELM Legal Services Cornwall

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ELM Legal Services Cornwall

Estate Planning Consultant, based in Cornwall. In association with ELM Legal Services. Contact me for a free chat.

I help those who are looking to put Wills, Trusts, LPAs in place and offer advice & guidance with Asset Protection and Estate Planning.

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 🧡

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.

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://www.youtube.com/watch?v=HOR85JMQcV0&t=128s

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 👏

12/05/2026

Thinking of making a Lasting Power of Attorney yourself?

It might look straightforward online, but small mistakes can have serious consequences.

Swipe to find out more 👉

07/05/2026

Sorting out your future shouldn’t be expensive 🙅We’re on a mission to make estate planning accessible for everyone 🤝

To help make this happen, we’ve reduced the price of our LPA service, so it’s easier (and more affordable) to put the right protection in place. Here are our new prices:

👉Single LPA: Now £315 (was £370)
👉Two LPAs: Now £525 (was £600)
👉Four LPAs: Now £895 (was £1,000)

Want to find out more? Head to our website: https://www.elm-online.co.uk/services/lasting-power-of-attorney/

05/05/2026

Meet Darren, our Office Manager 👋

From keeping everything running smoothly behind the scenes, to supporting clients with care and clarity, Darren plays a key role in delivering the high-quality service we’re proud of.

But there’s more to Darren than legal expertise…👀

🎧He’s been DJing across Europe for over 25 years
🎙️And he hosts his own radio show - reaching listeners as far as Australia!

At ELM Legal, we know it’s our people who make the difference. And Darren’s support to both clients and colleagues is a big part of that.

👉 Swipe to get to know him better

23/04/2026

📣Introducing: The ELM Legacy Management Plan

We’ve just launched our new Legacy Management Plan - a complete, affordable estate planning solution designed to protect what matters most, without the complexity.

The Legacy Management Plan (LMP) brings together everything you and your partner need to protect your estate and provide for the people you love. It’s built around two complementary trusts: a Flexible Life Interest Trust to safeguard your estate for your surviving partner and beyond, and a Property Protection Trust to protect your family home while preserving your Inheritance Tax allowances.

Here’s what’s included:
👉Flexible Life Interest Trusts
👉Property Protection Trusts
👉Last Wills & Testaments
👉Property & Financial Affairs Lasting Powers of Attorney
👉Secure Document Storage
👉Digital Asset Vaults
👉Unlimited Will Updates
👉Discounted Probate Services

Built for modern families, so your wishes are clear and protected.

It’s a complete plan that doesn’t break the bank, with 10% off each product if purchased individually.

Contact us to find out more.

21/04/2026

Already this year, we’ve drafted over £2.1 million in charitable gifts through Wills 👏

For many charities, legacy gifts aren’t just helpful, they’re essential. They fund vital services, support long-term planning, and make sure support is there for future generations.

It’s easy to think of a Will as something purely personal. But it can also be one of the most powerful ways to give back.

A gift in your Will, no matter the size, can help a cause you care about live on long after you do 🧡

14/04/2026

Many people assume their Will covers everything - but pensions are often dealt with separately 👀

They’re usually paid based on your nomination form, not your Will. If that form is out of date, your pension could go to someone you no longer intend, including an ex-partner.

Keeping both your Will and pension nominations up to date helps ensure your wishes are followed.

If you’re unsure where you stand, we can help you review your arrangements.

Address

The Apex, Derriford Business Park, Brest Road
Plymouth
PL65FL

Website

https://www.elm-online.co.uk/will-writing-cornwall/?utm_source=facebook&utm_medium=social&utm_campaign=cornwall_page

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