Later Life Planning Consultancy Limited

15/10/2026

In Scotland, if someone dies without a valid Will, their estate is distributed under the rules of intestacy. Scottish intestacy law is different from the rules in England and Wales and works in three stages: Prior Rights, Legal Rights, and then distribution of the Free Estate.
Do you know how these laws would affect your particular situation, contact me on 07791 807311 for a free non obligation chat

15/10/2026

In England and Wales, if you die without a will, your estate is distributed in accordance to the rules of intestacy. These rules may not reflect your personal wishes. Here's what generally happens: if your— Married or in a civil partnership, your spouse or civil partner has significant inheritance rights, but whether they receive everything depends on whether you've got children or not.

If you have no children, your spouse or civil partner usually inherits the entire estate. If you have children, your spouse or civil partner receives all of your personal possessions: the first 322,000 of the estate, half of the remaining estate.

The other half of that remaining estate is divided equally amongst your children, and clearly that may not be what you wish. If you are not married or not in a civil partnership, even if you've lived with your partner for many years, your partner does not automatically inherit under the law of intestacy.

Instead, the estate generally passes in this order: children or their descendants, parents if they're still alive, full siblings or their descendants, half-siblings or their descendants, grandparents or ultimately aunts and uncles or their descendants. If there is no eligible relative that can be found, then the estate actually passes to the crown.

Who administers the estate? Well, if there's no will naming an executor, someone—usually a close relative—must apply to administer the estate.

They become the estate's administrator and performs the duties similar to those that you would name as an executor. Common issues where there is no will: unmarried partners were left without automatically inheriting; specific gifts and personal wishes are not legally recognized; the administration process can be more complicated; disputes among family members are more likely.

If you'd like the law of intestacy explained to you in great depth, or if you would like to understand how a will can protect against many of those issues, email me or call 07791 807311 for a completely free non obligatory chat—

11/10/2026

https://www.msn.com/en-gb/news/other/how-can-i-ensure-my-wife-provides-for-my-son-as-well-as-my-stepson-equally-if-i-die-first/ar-AA2cel3j?ocid=msedgntp&pc=U531&cvid=6acbbf4ba97444b991b465601420d589&ei=59

I have a simple mirror will with my wife. How can I ensure that she provides for her son and stepson equally after my death. Both sons are adults and married.

06/10/2026

https://www.facebook.com/share/19ooPDV5Sb/?mibextid=wwXIfr

A free plain-English webinar for park home and lodge owners on 30 September 2026 about the practical questions families can face later.

06/10/2026

https://www.facebook.com/share/1EqBFUuXgC/?mibextid=wwXIfr

A free on-demand estate planning webinar for families supporting a vulnerable child or family member.

05/10/2026

“We’ve lived together for years, so my partner will inherit anyway.”

This is one of the most important estate-planning misconceptions for unmarried couples.

In England and Wales, there is no general “common-law spouse” status that gives a cohabiting partner the same automatic inheritance rights as a husband, wife or civil partner.

If you die without a valid will, the intestacy rules determine who inherits your estate. An unmarried partner is not included as an automatic beneficiary under those rules, however long you have been together.

That can become particularly important where you own a home, have children from a previous relationship, have unequal assets, or simply want to make sure your partner is properly provided for.

A carefully prepared will allows you to decide who should inherit, what provision should be made for your partner, who should administer your estate and how you want other beneficiaries to be provided for.

Property ownership also matters. For example, jointly owned property can pass differently depending on whether it is owned as joint tenants or tenants in common, so the will needs to work alongside the way your assets are actually owned.

There may be circumstances in which a surviving cohabitant can bring a claim against an estate, but relying on a potential claim after somebody has died is very different from putting clear arrangements in place during your lifetime.

If you’re living with somebody but aren’t married or in a civil partnership, don’t assume the law will automatically produce the result you would have chosen.

LPA Professionals can help you look at your circumstances and put appropriate estate-planning arrangements in place.

Appointments available in person, online or by phone.

03/10/2026

🔴⚪ LAST CHANCE TO BOOK! ⚪🔴

Our Carnoustie Panmure Sportsman’s Dinner is just around the corner, and we have ONLY TWO TABLES REMAINING! 🍽️🥂

This year is extra special as we celebrate Carnoustie Panmure FC’s 90th Anniversary! 🎉

📅 Saturday 24th October 2026
📍 Carnoustie Golf Hotel
🕖 7:00pm start

If you’re thinking about coming along, now is the time to get your booking in!

With only two tables left, bookings need to be confirmed by next week at the latest.

Lets make our 90th anniversary Sportsman’s Dinner another brilliant night for the Gowfers! ❤️🤍

📩 To book a table or for more information, please reach out to our page.

Don’t miss out — once these two tables are gone, that’s it!

🔴⚪

01/10/2026

Relaxing time