GHT Global

07/10/2026

SINGLE PARENTS — HAVE YOU THOUGHT ABOUT WHAT WOULD HAPPEN TO YOUR CHILDREN IF YOU WEREN’T HERE?

It’s not something any parent wants to think about.

When you’re busy working, paying the bills, doing the school run and simply keeping life moving, making a Will can easily slip down the list.

But if you’re a single parent, having a Will could be one of the most important things you ever put in place for your children.

📝 A few important steps to consider:

1️⃣ Make a Will
A Will allows you to set out your wishes and decide what should happen to your money, property and possessions.

2️⃣ Choose a guardian
Think carefully about who you would want to care for your children if you were no longer able to. Discuss your wishes with that person and make sure they understand what you would want.

3️⃣ Think about financial protection
Consider savings, life insurance, pensions and other assets. Make sure your nominations and arrangements are up to date and that you understand what would happen to them if you died.

4️⃣ Keep everything updated
Life changes. New relationships, new children, moving home, divorce or changes to your finances can all mean your arrangements need reviewing.

⚠️ BUT WHAT IF YOU DON’T MAKE A WILL?

If you die without a Will, you are said to have died “intestate”. The law determines how your estate is dealt with rather than you deciding exactly what you want.

That can mean:

• Your wishes may not be followed.
• The people you would have chosen may not be the people making decisions.
• Your family could face additional stress, uncertainty and legal costs at an already incredibly difficult time.
• Your children’s financial future may not be arranged in the way you intended.

And one of the biggest misconceptions is:

“My family will automatically know what I wanted.”

Unfortunately, they may not.

Making a Will isn’t about expecting the worst. It’s about preparing for the unexpected.

As a parent, you plan for your children’s future every day.

A Will is simply another way of protecting them.

At GHT Global, we understand how important it can be to locate the right people when circumstances change. Our work often involves tracing pension members and, where necessary, helping pension schemes identify family members or people who may be entitled to benefits.

Sometimes, the people who need to be found are children, relatives or next of kin — and the journey can be much harder when there has been no clear planning.

So, if you’re a single parent, why not make today the day you put that Will on your to-do list?

It could be one of the greatest gifts you ever leave your children — clarity, protection and peace of mind.

📌 This post is for general information and is not legal advice. Will and inheritance rules can vary depending on where you live, so please speak to a qualified professional about your own circumstances.

GHT Global
Tracing Today | Securing Tomorrow

25/09/2026

💭 What happens to your pension when you die?

It’s not something many of us like to think about, but it’s an important question — and one that’s worth understanding.

Your pension doesn’t necessarily just disappear when you die. Depending on the type of pension you have and your circumstances, benefits may be payable to someone you have nominated or to other beneficiaries.

So, here are a few things worth checking:

✔️ Do you know what pensions you have?

✔️ Have you told your pension provider who you would like to benefit?

✔️ Are your nominated beneficiaries still the right people?

✔️ Have your circumstances changed since you completed your nomination?

✔️ Do your loved ones know which pension providers you have?

✔️ Have you made a Will and kept it up to date?

Life changes — marriages, divorces, children, grandchildren and sadly the loss of loved ones can all mean that the details you put in place years ago may no longer reflect your wishes.

At GHT Global, we see first-hand how difficult it can be to locate pension members or the people who may be entitled to benefits when records are out of date or circumstances have changed.

A few simple checks today could save your loved ones a lot of uncertainty in the future.

Don’t leave it until it’s too late.

Take a little time to get your affairs in order — it really could make a difference to the people you care about.

25/09/2026

💭 Have you made a Will?

It’s one of those things we often put off because, quite simply, we don’t like thinking about what happens when we’re no longer here.

But making a Will isn’t just about what happens to your home, savings or belongings. It can also make a real difference when it comes to your pension and the people you leave behind.

Without a Will, things can become much more complicated for your loved ones. They may have to deal with additional paperwork, delays and uncertainty at what is already an incredibly difficult time.

And if you have a pension, it’s worth making sure you understand who you have nominated to receive any benefits and keeping those details up to date.

A Will gives you the opportunity to make your wishes clear.

It can give your family peace of mind, help avoid unnecessary complications and make sure the people you care about are properly considered.

It doesn’t have to be complicated — but it is something worth getting around to.

So, if you’ve been saying “I really must make a Will”… perhaps today is the day.

And if you already have one, when was the last time you checked it? Things change — marriages, divorces, children, grandchildren and changes in your circumstances can all be reasons to review it.

A little bit of planning now can make a big difference to those you leave behind.

17/06/2026

with on how to locate your lost pension’s and other lost assets 💰💳⚖️💷

15/05/2026

New Pension Laws

Over 20 million workers are set to get more from every pound they save towards retirement thanks to the passing into law of historic pensions legislation today, Wednesday 29 April 2026.

04/03/2026

It’s Free Wills Month, visit the below website to find a local solicitor.

Give your family the peace of mind they need at such a sad time.

Free Wills Month brings together a group of well respected charities to offer members of the public aged 55 and over the opportunity to have their simple Wills written or updated free of charge by using participating solicitors in selected locations around England and Wales.

29/12/2025

We hope you enjoyed the holiday season and we wish you all the best for the New Year ahead.

Please note our offices are closed until the 10th January 2026.

Please feel free to email us or WhatsApp a message on the number provided in your letter.

Best Wishes From GHT Global

23/12/2025

18/12/2025

A Festive Message from All of Us at GHT

As the festive season approaches, all of us at GHT would like to take a moment to wish you and your loved ones a peaceful, gentle, and hopeful time ahead.

We also know that for many, this season can feel especially heavy. If you are facing Christmas or the New Year having lost someone dear to you, please know this: you are not alone. Grief doesn’t follow a calendar, and it’s okay to feel joy and sadness side by side.

As a small, dedicated team, our work tracing pension members and next of kin across the world often places us alongside families during very emotional moments. It’s a privilege we never take lightly, and it continually reminds us of the importance of compassion, patience, and human connection.

From our director and every member of the GHT team, we send you warmth, understanding, and heartfelt wishes for comfort — however this season looks for you.

🤍 With kindness and respect,
The GHT Team

22/11/2025

10 Hidden Pension Facts Your Family Needs to Know When You Die

(Most people have NO idea about #4…)

1️⃣ Out-of-date nominations = big trouble.

If your “expression of wish” isn’t updated… your pension could go to the wrong person.

2️⃣ Not all pensions let your family draw income.

Some force a lump sum — which could mean more tax.

3️⃣ Missing paperwork = delayed payouts.

If providers can’t verify details, payments get frozen.

4️⃣ No nomination? Trustees decide.

And their decision may not be what you’d expect.

5️⃣ Final Salary schemes have strict rules.

Age gaps, late marriages, or dying early can reduce benefits.

6️⃣ Children’s pensions stop early.

Often ends at 18–23 — even if the child still depends on you.

7️⃣ Annuities don’t automatically pay after death.

You must have chosen joint-life, a guarantee, or protection.

8️⃣ If there’s fraud or a scam, payouts can be paused.

Investigations can hold up money for months.

9️⃣ Mixed pension pots can mean mixed taxes.

Crystallised vs uncrystallised = different rules for loved ones.

🔟 From 2027, pensions may count towards inheritance tax.

A 40% bill could surprise many families