It’s estimated that up to 70% of people in the UK don’t have a valid Will—even though most people agree it’s something they should get around to.

Why the delay? Often it comes down to uncertainty about how Wills work or what’s actually involved.

To help with that, we’ve outlined 10 key points to think about when making or reviewing a Will.

1. Who Do You Want to Benefit?

Your Will should clearly state who you want to inherit your estate. This includes money, property, possessions, and anything else of value.

2. Who Should Look After Your Children?

If you have children under 18, your Will is the place to legally appoint guardians. This ensures someone you trust will care for them if something happens to you.

3. Who Will Administer Your Estate?

You’ll need to name one or more executors—these are the people who carry out the instructions in your Will and manage your estate.

4. What Happens If a Beneficiary Dies Before You?

A well-written Will plans for all possibilities. You can state what should happen if someone named in your Will passes away before you do.

5. What If You Share a Home But Aren’t Married?

If you own a property with someone who isn’t your spouse or civil partner, the law may not automatically pass your share to them. Your Will can clarify your wishes and avoid disputes.

6. Leaving Money to Someone Who Needs Support

If you’d like to leave money or assets to someone who can’t manage their own finances, your Will can appoint trustees to manage the funds on their behalf.

7. Will Anyone Else Make a Claim?

In some situations, others may have a legal right to make a claim on your estate. This can include:

• A former spouse
• Children from previous relationships
• Financial dependents who aren’t mentioned in the Will

Careful planning helps avoid unwanted disputes or delays.

8. Do You Live Abroad or Own Overseas Property?

If your permanent address isn’t in the UK—or you have property in another country—special rules may apply. Your Will needs to reflect this to ensure your estate is dealt with correctly.

9. Do You Own a Business?

Business assets can be passed on in your Will, but it’s not always straightforward. You may need to consider:

• Who will take over
• Whether the business needs to be sold
• Tax implications for your beneficiaries
  

It’s worth making sure your Will aligns with your business continuity plans.

10. Do You Have Children from a Previous Relationship?

Without a Will, your estate may not be divided the way you would expect. This is particularly important if you’ve remarried, are cohabiting, or want to protect children from a previous relationship.

Wills and Financial Advice – What’s Our Role?

While we don’t advise on Wills directly—as Will writing is not regulated by the Financial Conduct Authority (FCA), we do understand how important it is to get this right.

That’s why we work closely with trusted specialists who can help you get your Will written (or updated) quickly, professionally, and in line with your wider financial goals.

If you’d like an introduction to someone who can help, just let us know.

Final Thoughts

Your Will is one of the most important documents you’ll ever create—but it doesn’t need to be daunting.

Whether you’re buying a home, starting a family, or just want to make sure your wishes are clear, taking this step now can give you and your loved ones real peace of mind.

As always, if you’re not sure where to start, feel free to get in touch.

WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY