Moneybox Wills and Trusts

26/03/2026

Do I Need a Family Trust?

Many people ask us about setting up a Family Trust because they want to protect their home, reduce risk and make sure their children ultimately benefit.

Very often, the concern behind the question is care fees.

They have heard that “putting the house in trust” might protect it, and they want to know whether that is the right move.

But if the pitch is simply “put your house in trust and the council cannot touch it”, you should be very cautious.

The rules around deprivation of assets are real, and the wrong structure can create cost and complexity without delivering the benefit you expected.

Unlike many other firms, we do not believe in recommending a more complex solution where a simpler one will do the job properly.

Often, the best plan is the one that achieves your goals in the simplest, clearest and most cost-effective way.

Read our latest post to find out whether a Family Trust is right for you or if there may be a simpler, more cost effective option.

Do you need a Family Trust, or would a simpler Will trust work better? Benefits, risks and alternatives for care fee and estate planning.

18/03/2026

Tenants in Common 🏠

Most families do not realise that the way they own their property affects how they can pass it on after their death.

We have written an article that explains the difference between "joint ownership" and "tenants in common".

What does that mean, and why does it matter?

What does tenants in common mean? Learn how it works, why it matters and how to protect your share of your property.

05/03/2026

There Is No Such Thing as ‘Common Law Marriage’

Many people in Macclesfield and Cheshire believe that if they live with their partner for long enough, the law will treat them like a married couple.

This is often referred to as being “common law husband and wife”.

Unfortunately, this simply isn’t true.

When it comes to Wills and inheritance, an unmarried partner has no automatic right to inherit anything if you die without a Will.

It doesn’t matter:

• How long you lived together
• Who paid the mortgage
• Whether you raised children together

This misunderstanding can have very serious consequences for families.

I’ve written a short article explaining exactly what happens and how couples can protect each other.

👉 Read it here:
https://www.moneyboxwillsandtrusts.co.uk/2026/01/22/common-law-partner-inheritance-rights/

In the UK, common law marriage doesn’t exist. Unmarried partners may inherit nothing, regardless of how long you have been together.

03/02/2026

We’ve just hit 50 Five-Star Google Reviews! ⭐⭐⭐⭐⭐

A massive THANK YOU to every client who’s trusted Moneybox Wills & Trusts with their Estate Planning, Wills, and Lasting Powers of Attorney.

Reaching this milestone means the world to us!

Here's what people across Macclesfield, Cheshire and beyond are saying:
✅Easy to understand
✅Friendly and Helpful
✅Professional service
✅Put my parents at ease
✅Unpressurised advice in a relaxing setting
✅Totally reassuring

We’re proud to be Macclesfield’s trusted local specialists in:

✅Will Writing
✅Trust Planning
✅Lasting Power of Attorney
✅Inheritance Tax Planning

If we’ve helped you recently, we’d love your review too!🙏

And if you haven’t worked with us yet — come and find out why we are rated ⭐⭐⭐⭐⭐.

23/09/2025

LPA Fees are Rising on 17 November 2025. Act now to save £10 per application.

The Office of the Public Guardian is increasing the fee to register a Lasting Power of Attorney (LPA) from £82 to £92 per document. Most people set up two LPAs (Property & Financial, and Health & Welfare), so that’s an extra £20 per person if you wait.

The good news? You still have time to act. At Moneybox Wills & Trusts, we can help you put LPAs in place properly and quickly — giving you peace of mind while saving money.

From 17 November 2025 the OPG registration fee for each Lasting Power of Attorney rises from £82 to £92. Here’s why you should act now.

28/08/2025

The Give & Guard strategy.

You’ve worked hard for what you have. The last thing you want is for a large chunk of your estate to be lost to unnecessary tax, legal costs, or poor planning.

That’s why many families are turning to smart inheritance tax planning strategies to protect what they’ve built — and to pass on as much of it as possible to the people they care about.

If your estate is worth more than £325,000 —including your home, savings, pensions, and investments—you could be facing a 40% inheritance tax (IHT) bill on anything above the threshold. That means tens of thousands of pounds could end up with HMRC instead of your family.

Moneybox Wills and Trusts offer a free initial consultation where we can identify your IHT exposure, key concerns or wishes around the way your estate is passed on, and to outline a tailored plan to achieve this, based around the Give & Guard strategy.

Expert inheritance tax planning in Macclesfield and Cheshire. Protect your estate, reduce IHT, and pass on more with The Give & Guard Strategy

29/07/2025

What happens if your family can’t find your Will… passwords, accounts… or even your final wishes?

We’ve seen it too often — someone passes away, and their loved ones are left in a mess of missing paperwork, forgotten passwords, and unanswered questions. It’s stressful, painful, and avoidable.

That’s why we’ve partnered with Zenplans, a secure Digital Estate Vault that helps you organise, store and share everything important — all in one place.

✅ Your Will
✅ Your LPAs
✅ Insurance & pensions
✅ Online accounts & passwords
✅ Final wishes
✅ Even who gets your pets, if you like😉

Think of Zenplans as a digital filing cabinet with drawers for each part of your estate - and you decide who can open each one, and when.

Want to see how it works? click the link below to find out more ⬇️

Moneybox Wills and Trusts – smart estate planning for the digital age. 📲🔐

Log in redeem discount Everything important in one secure place Organise, store and selectively share all of life’s most important information for complete peace of mind. Organise, store and selectively share all of life’s most important information for complete peace of mind. Complete to redeem...

03/07/2025

"My partner bought a £19.99 Will and now I might lose my house"

Cheap services might seem attractive at the time, but you will almost always pay more in the long run.

Be it through hidden fees, Lack of expertise or down right dishonesty.

A Will is one of the most important documents you will ever make. And your family are counting on it being right.

Always read the fine print and never underestimate the importance of good, professional advice.

A bereaved mother-of-three faces losing her home because of an online will bought for just £19.99. Wendy Roberts, 63, from Bolton, was still grieving the loss of her long-term partner, Nigel Smith, when she received a demand for almost £10,000 from a will writing company. Mr Smith, who ran his own...

21/06/2025

Really happy to be involved with I'm Worried About Mum and to be here to support their group of wonderful people.

Planning for a vulnerable loved one’s future can feel overwhelming, but a Vulnerable Persons Trust provides financial security while preserving essential benefits. Without careful planning, an inheritance could unintentionally disrupt their support or leave them financially exposed.

Here are some key tips to consider when setting up a Vulnerable Persons Trust:

- Choose the right trustees – Select individuals who understand the beneficiary’s needs and can manage funds responsibly.
- Preserve means-tested benefits – Ensure the trust is structured correctly so the beneficiary remains eligible for financial support.
- Prevent financial mismanagement – A trust safeguards assets, ensuring they are used solely for the beneficiary’s well-being.
- Plan for long-term security – A well-structured trust provides stability even after caregivers are no longer around.

By setting up a trust, you ensure their well-being, prevent mismanagement, and offer long-term stability tailored to their unique needs. Moneybox Wills and Trusts specialise in creating tailored solutions to help families navigate this process with confidence.

Want to learn more? Visit Money Box Wills and Trusts today for expert guidance on protecting your loved one’s future—you can find them on our care directory here: https://imworriedaboutmum.com/directory/moneybox-wills-and-trusts-ltd/

02/04/2025

We are extremely pleased to have received another ⭐️⭐️⭐️⭐️⭐️ Google review.

To find out what our customers say about us, search Moneybox Wills and Trusts on Google and read our reviews.

01/04/2025

"More important that Wills"

Many people believe Lasting Powers of Attorney are just for the elderly who are losing their mental capacity.

Listen to what Martin Lewis has to say.

Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.