What happensif you die withouta will?If you de without having made a vald Wil, you de intestate.This means that your estate will be distributed in accordancewith the nules of intestacy which can very often result in yourmoney and other assets being inherted by remote familymembers that you don't know or, in some cases they will go tothe state.the personal belongings but the remainder will be divided sothat she takes hat and the chidren take the other hait. Thecousins, I there are no relatives, your estate might go to thestateThere are endless reasons why it is important to make a Wil.Not only does it give you the opportunity to choose yourexecutors, and the guardians of your children and to decidehow your assets are to be divided amongst your loved onesbut, if properly advised, you can also save on the costs whichwould be incurred in administering your estate and possibly on-the inhertance tax labäty on your deathIwelcome the opporturity to acvise on individual ciroumstancesso as to ensure that your wishes are property set out and tominimise costs and tax in the future.resut would be a trust holding part of your house for yourchidren. It could also mean that inhertance tax is payable ithe assets passing to your children is in excess of your tax freeallowance.At the very least, without a Will, you wil have lost theopportunity to choose your executors who are the peoplewho deal with your money and assets and make distributionsaccording to your WilThere are marny misunderstandings surounding intestacy andthe outcome can often have a devastating effect on family andloved ones.I am unmarried, with two children and two step-children.What happens?Your partner and step-chidren will not inherit at all from yourestate. Your natural children will take the whole estate but youwill not be able to state who the guardian of those chidrenshould be and neither will you have an opporturity to directanyone as to how you would lke your chidren to be educatedor looked afterI live with my partner but we have no children.Your partner will not inhert any of your estate. The intestacyrules will apply and all of your assets will pass to ether yoursibings f any) or their children (f any) or perhaps to remoteNiamh MinihaneSenior AssociateInheritance Protection TeamSome questions and possible effects to consider if you do nothave a Wil:I am married with children. I own our house in my solename. Surely everything will just goes to my Wife if I die?No. Your wile will take the first 250,000 of your estate andGardnerLeaderT: 01628 502896E n.minihane@gardner-leader.co.ukwww.gardner-leader.co.uk900o What happens if you die without a will? If you de without having made a vald Wil, you de intestate. This means that your estate will be distributed in accordance with the nules of intestacy which can very often result in your money and other assets being inherted by remote family members that you don't know or, in some cases they will go to the state. the personal belongings but the remainder will be divided so that she takes hat and the chidren take the other hait. The cousins, I there are no relatives, your estate might go to the state There are endless reasons why it is important to make a Wil. Not only does it give you the opportunity to choose your executors, and the guardians of your children and to decide how your assets are to be divided amongst your loved ones but, if properly advised, you can also save on the costs which would be incurred in administering your estate and possibly on- the inhertance tax labäty on your death Iwelcome the opporturity to acvise on individual ciroumstances so as to ensure that your wishes are property set out and to minimise costs and tax in the future. resut would be a trust holding part of your house for your chidren. It could also mean that inhertance tax is payable i the assets passing to your children is in excess of your tax free allowance. At the very least, without a Will, you wil have lost the opportunity to choose your executors who are the people who deal with your money and assets and make distributions according to your Wil There are marny misunderstandings surounding intestacy and the outcome can often have a devastating effect on family and loved ones. I am unmarried, with two children and two step-children. What happens? Your partner and step-chidren will not inherit at all from your estate. Your natural children will take the whole estate but you will not be able to state who the guardian of those chidren should be and neither will you have an opporturity to direct anyone as to how you would lke your chidren to be educated or looked after I live with my partner but we have no children. Your partner will not inhert any of your estate. The intestacy rules will apply and all of your assets will pass to ether your sibings f any) or their children (f any) or perhaps to remote Niamh Minihane Senior Associate Inheritance Protection Team Some questions and possible effects to consider if you do not have a Wil: I am married with children. I own our house in my sole name. Surely everything will just goes to my Wife if I die? No. Your wile will take the first 250,000 of your estate and Gardner Leader T: 01628 502896 E n.minihane@gardner-leader.co.uk www.gardner-leader.co.uk 900o

Date: 25 July 2019

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What happens if you die without a will? If you de without having made a vald Wil, you de intestate. This means that your estate will be distributed in accordance with the nules of intestacy which can very often result in your money and other assets being inherted by remote family members that you don't know or, in some cases they will go to the state. the personal belongings but the remainder will be divided so that she takes hat and the chidren take the other hait. The cousins, I there are no relatives, your estate might go to the state There are endless reasons why it is important to make a Wil. Not only does it give you the opportunity to choose your executors, and the guardians of your children and to decide how your assets are to be divided amongst your loved ones but, if properly advised, you can also save on the costs which would be incurred in administering your estate and possibly on- the inhertance tax labäty on your death Iwelcome the opporturity to acvise on individual ciroumstances so as to ensure that your wishes are property set out and to minimise costs and tax in the future. resut would be a trust holding part of your house for your chidren. It could also mean that inhertance tax is payable i the assets passing to your children is in excess of your tax free allowance. At the very least, without a Will, you wil have lost the opportunity to choose your executors who are the people who deal with your money and assets and make distributions according to your Wil There are marny misunderstandings surounding intestacy and the outcome can often have a devastating effect on family and loved ones. I am unmarried, with two children and two step-children. What happens? Your partner and step-chidren will not inherit at all from your estate. Your natural children will take the whole estate but you will not be able to state who the guardian of those chidren should be and neither will you have an opporturity to direct anyone as to how you would lke your chidren to be educated or looked after I live with my partner but we have no children. Your partner will not inhert any of your estate. The intestacy rules will apply and all of your assets will pass to ether your sibings f any) or their children (f any) or perhaps to remote Niamh Minihane Senior Associate Inheritance Protection Team Some questions and possible effects to consider if you do not have a Wil: I am married with children. I own our house in my sole name. Surely everything will just goes to my Wife if I die? No. Your wile will take the first 250,000 of your estate and Gardner Leader T: 01628 502896 E n.minihane@gardner-leader.co.uk www.gardner-leader.co.uk 900o What happens if you die without a will? If you de without having made a vald Wil, you de intestate. This means that your estate will be distributed in accordance with the nules of intestacy which can very often result in your money and other assets being inherted by remote family members that you don't know or, in some cases they will go to the state. the personal belongings but the remainder will be divided so that she takes hat and the chidren take the other hait. The cousins, I there are no relatives, your estate might go to the state There are endless reasons why it is important to make a Wil. Not only does it give you the opportunity to choose your executors, and the guardians of your children and to decide how your assets are to be divided amongst your loved ones but, if properly advised, you can also save on the costs which would be incurred in administering your estate and possibly on- the inhertance tax labäty on your death Iwelcome the opporturity to acvise on individual ciroumstances so as to ensure that your wishes are property set out and to minimise costs and tax in the future. resut would be a trust holding part of your house for your chidren. It could also mean that inhertance tax is payable i the assets passing to your children is in excess of your tax free allowance. At the very least, without a Will, you wil have lost the opportunity to choose your executors who are the people who deal with your money and assets and make distributions according to your Wil There are marny misunderstandings surounding intestacy and the outcome can often have a devastating effect on family and loved ones. I am unmarried, with two children and two step-children. What happens? Your partner and step-chidren will not inherit at all from your estate. Your natural children will take the whole estate but you will not be able to state who the guardian of those chidren should be and neither will you have an opporturity to direct anyone as to how you would lke your chidren to be educated or looked after I live with my partner but we have no children. Your partner will not inhert any of your estate. The intestacy rules will apply and all of your assets will pass to ether your sibings f any) or their children (f any) or perhaps to remote Niamh Minihane Senior Associate Inheritance Protection Team Some questions and possible effects to consider if you do not have a Wil: I am married with children. I own our house in my sole name. Surely everything will just goes to my Wife if I die? No. Your wile will take the first 250,000 of your estate and Gardner Leader T: 01628 502896 E n.minihane@gardner-leader.co.uk www.gardner-leader.co.uk 900o