A Simple Starting Point When Making Your Will
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Why having a will matters
- Many people know they should have a will in place, but it’s something that often gets postponed. In surveys and conversations with clients, two things come up again and again:
Putting a will in place is one of the simplest ways to reduce stress and uncertainty for the people you love. Yet it’s often delayed because it feels complicated, emotional, or overwhelming. The reality is that starting can be simpler than you think. |
A situation seen all too often
Consider a common scenario.
A couple builds a life together, raising children and accumulating assets over time. Often, property or investments may sit in one person’s name due to how mortgages or finances were originally arranged.
If one partner dies without a will, the surviving partner can be left navigating a complex legal and financial situation at an already devastating time. Instead of having space to grieve and support their family, they may find themselves dealing with avoidable administrative and legal stress.
In many cases, couples delay making wills because they feel stuck on bigger decisions — such as who should act as guardians or trustees for children.
What many couples don’t realise
A standard will for spouses is often simpler than people expect.
In most cases, there are two parts:
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What happens if one spouse dies and the other survives
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What happens if both are gone
Most wills between spouses leave everything to each other first.
It is only when both partners are no longer living that decisions around guardians, trustees and longer-term planning come into effect.
Many couples become overwhelmed by the second part and never complete the first — leaving themselves unprotected in the meantime.
A simple starting point for spouses
One practical first step is to ensure that, if one spouse dies, their estate passes smoothly to the other.
To support this, we have provided:
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A simple draft will for spouses
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A guide explaining how to complete it
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A Will Starter Pack
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A Will Review Checklist
These resources are designed as a starting point only. They are not a replacement for a full will or for proper legal and tax advice. A complete will tailored to your circumstances should always be prepared with a solicitor.
However, putting even a simple structure in place can provide clarity and buy valuable time to make more detailed decisions later.
Access the resources here:
SIGNING YOUR WILL – IMPORTANT GUIDANCE
STANDARD HUSBAND & WIFE WILL
If you are single or not married
If you are single or in a long-term relationship, will planning can be more complex. There may be tax implications for beneficiaries and additional considerations depending on your circumstances.
In these cases, it is particularly important to seek professional legal and/or tax advice before finalising a will.
Taking the first step
Preparing a will does not have to be overwhelming.
Often, the most important step is simply starting the process.
Review what you have in place.
Use the resources available to you.
And consider making an appointment with your solicitor to ensure your wishes are clearly documented and legally sound.
Being prepared is one of the most practical and caring things you can do for the people who matter most.