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Guiding legacies safely home
STEP-qualified Will-writing and estate planning that brings clarity, reassurance and continuity to families

We help you navigate every decision with care and attention to detail, ensuring your legacy reaches those you love.

The strongest businesses are not always the biggest. 📖Sometimes, they are the ones with the right structure in place bef...
16/10/2026

The strongest businesses are not always the biggest. 📖

Sometimes, they are the ones with the right structure in place before it is ever needed.

In Episode 3 of Once Upon a Business Trust, Kinherit explores how working with the right advisers can help business owners understand what needs protecting, what needs planning, and what needs to happen next.

Continue the story and discover the question that changed Penelope’s future. __________

Penelope built her business the same way Peter and Patrick built theirs. She protected it differently.

Count Sterling had been her financial adviser for years - life cover, income protection, etc. At their annual review, he asked the question that changed everything.

"Penelope - if something happened to you tomorrow, what would actually happen to your business?"

She didn't have a complete answer. So Count Sterling made an introduction to Jess, a STEP-qualified estate planner at Kinherit.

Jess reviewed the business in full. She drafted a Will that properly addressed the available Business Relief. She established a Discretionary Business Trust to hold the value of the business - meaning that on Penelope's death, the value passed to the trust with no inheritance tax attached at that point, rather than being subject to inheritance tax in addition to the rest of the estate.

She made sure Penelope's Business Relief allowance was used in full rather than wasted - and, because the business sat within that allowance, its value was sheltered from inheritance tax.

Unlike the online Will-writer Patrick had used, Jess understood the business, the tax position, and the full picture. She asked questions that an online tick-box form never would. She found the gaps before HMRC did.

It took one question by Count Sterling and one introduction.
__________

Next week: what happened when the wolf arrived at Penelope’s door.

Ask your financial adviser about a Kinherit referral.

Some doors look strong until the wrong person comes knocking. 📖In Episode 2 of Once Upon a Business Trust, the wolf arri...
09/10/2026

Some doors look strong until the wrong person comes knocking. 📖

In Episode 2 of Once Upon a Business Trust, the wolf arrives at Peter’s door. And Patrick’s.

This is where the difference between having a document and having the right structure becomes impossible to ignore.

Here is Episode 2: The Wolf Came Calling. ✨
__________

Peter died without a Will. The wolf walked straight through the front door.

With no Will in place, the value of Peter's business passed under the Rules of Intestacy. Nobody had decided who should receive the business, and nothing had been structured to guarantee the maximum use of his Business Relief allowance.
The allowance therefore was only utilised in part, and the inheritance tax bill was significant.

To pay it, they had to use money that should have gone to his family. Twenty years of Peter's work, gone in months, to settle a bill that proper planning could have eliminated entirely.

Patrick's story was different, but the ending was similar.

He had a Will - but it had been written by an unqualified Will-writer, not a STEP-qualified estate planner. The document had never addressed the business at all. Business Relief was not considered or claimed. There was no Discretionary Business Trust to receive the value it could have sheltered, and no structure to shelter the business's value from inheritance tax on his death.

The Will-writer had charged less than a decent meal out. The inheritance tax bill cost Patrick's family hundreds of thousands of pounds. The gap between what he thought he had arranged and what he had actually arranged was the most expensive mistake of his life - and he never knew he had made it.

HMRC found Patrick's door just as easy to open as Peter's.
__________

Next week: how Penelope built a door the wolf could never open.

Ask your financial adviser about a Kinherit referral - https://www.kinherit.co.uk/

Next up in our fairytale stories, we have The Three Little Pigs! 📖A beloved tale retold by Kinherit, with three business...
02/10/2026

Next up in our fairytale stories, we have The Three Little Pigs! 📖

A beloved tale retold by Kinherit, with three business owners, three different approaches to planning, and a lurking wolf, HMRC, ready to challenge what has not been properly protected.

Discover Episode 1 of Once Upon a Business Trust, and see how the story begins.
__________

Peter, Patrick, and Penelope had each built something to be proud of.

Three founders. Three different businesses. Three different approaches to protecting what they had built.

Peter had worked for twenty years and never once thought about what would happen to his business when he died. There was no Will, no structure, no plan. He was busy. He would get round to it. The business was doing well and that felt like enough.

Patrick had thought about it - eventually. He had a Will, written quickly and cheaply through an online Will-writing service. Not a solicitor. Not a STEP-qualified estate planner. Just a website, a few tick boxes, and a document that felt official enough. He assumed it covered everything. It didn't.

Penelope had done it properly. A Will drafted by Jess, a STEP-qualified estate planner at Kinherit, introduced through her financial adviser Count Sterling. A Discretionary Business Trust, so that her Business Relief allowance was captured in full on her death rather than wasted. Every angle considered, every door closed.

All three founders built their houses. Only one of them built it to withstand the wolf. And the wolf - HMRC - was already on its way.
__________

Next week: what the wolf found when it arrived at Peter’s door. And Patrick’s.

Speak to your financial adviser about business succession planning - https://www.kinherit.co.uk/

Her father did write a Will. It still went wrong.The tale, in three linesCinderella’s father had written a Will, but it ...
25/09/2026

Her father did write a Will. It still went wrong.

The tale, in three lines

Cinderella’s father had written a Will, but it was done quickly and without the right questions being asked.

When he died, everything passed to his wife, leaving Cinderella with no protection over the things her father had hoped she would receive.

What he wanted to protect was never properly planned, recorded or legally secured.

Five questions to ask yourself

1. If everything passed to your partner, what would your children actually receive?
2. Does your Will clearly protect the people and possessions that matter most?
3. Do you have children from a previous relationship who need protecting?
4. Does anyone know about all your assets, including savings and digital assets?
5. If something happened to you, would your family know what you intended?

In the full article, we explore how thoughtful estate planning can help protect your wishes, your family and the legacy you want to leave behind.

Read the full article here: https://www.kinherit.co.uk/once-upon-a-will/what-happens-in-real-life

The way your home is owned can affect what happens to it in the future.If a property is owned as Joint Tenants, the surv...
18/09/2026

The way your home is owned can affect what happens to it in the future.

If a property is owned as Joint Tenants, the surviving owner usually becomes the sole owner automatically, even if your Will says something different. This is known as the Right of Survivorship.

A Deed of Severance changes the ownership to Tenants in Common, meaning each person has a defined share in the property. That share can then be left through your Will, giving you more control over how your home is passed on.

At Kinherit, we check property ownership as part of the planning process. If a Deed of Severance may be appropriate, we can talk you through it clearly and prepare the forms for you to sign.

A Will that works in real life.

If you would like to understand whether your property ownership supports your wishes, arrange a complimentary, no-obligation consultation here:
https://sign.kinherit.co.uk/partners/facebook

Everyone assumed Rose would take them. Nobody had written it down.The tale, in three linesWhen Hansel and Gretel’s fathe...
11/09/2026

Everyone assumed Rose would take them. Nobody had written it down.

The tale, in three lines

When Hansel and Gretel’s father died, there was no Will, and so there was no named guardian - no record of who he would have trusted with his children’s lives.

Their aunt Rose would have come at once. She was never called, because no document had ever made her role official.

By the time she heard, a stranger had already presented herself as a family friend.

Five questions to ask yourself

1. If both parents died this year, who would raise your children - and where is that written down?
2. Have you asked them, and would they still say yes today? Have you named a substitute?
3. Could they afford it, and how quickly would money actually reach them?
4. Beyond the legal appointment, have you recorded what you would want - schools, values, routines, the people you trust and the people you do not?
5. What happens if you are incapacitated rather than dead? Your Will does not cover that.

In the full article, we look at what good guardianship planning can include, from naming guardians in your Will to recording the practical details your chosen guardian may one day need.

Read the full article here:
https://www.kinherit.co.uk/once-upon-a-guardian/what-happens-in-real-life

In the final episode of Once Upon a Guardian, Kinherit shows what happens when love is not just felt, but written down c...
04/09/2026

In the final episode of Once Upon a Guardian, Kinherit shows what happens when love is not just felt, but written down clearly.

Rose does not have to fight for the children. She has been named, prepared and trusted before the moment arrives.

The final episode of our fairytale series, Once Upon a Guardian.
__________

When the call came, Rose already knew what to do. Because their parents had already told her.

The solicitor contacted Rose within days of the father’s death. She was named in their father’s Will as testamentary guardian. Her appointment was immediate, legal, and incontestable. She did not need to fight for the children. She did not need to prove herself to a court, a social worker or a sympathetic stranger. The document did it for her.

The Letter of Wishes, personal messages and helpful documents all saved in the Kinvault meant she arrived knowing everything - the children’s routines, their fears, their favourite stories, the name of Gretel’s bear and the song that helped Hansel sleep. Their parents had thought of everything, their father wrote it down, and trusted Rose to carry it forward. She did not feel like a stranger stepping into someone else’s life. She felt like someone who had been chosen, prepared, and loved into the role.

The Discretionary Trust was set up promptly and funds were made available for the children’s home, their schooling, their care - managed carefully, overseen properly and available when needed. Nothing was tangled in intestacy. Nothing was delayed.

The witch came eventually, of course. She found a family with a named guardian, a legal appointment, a Letter of Wishes, and a trust structure that left her with nothing to offer and nowhere to go.

She moved on. Hansel and Gretel never knew she had been there at all.
The greatest act of love isn’t just providing for your children. It’s making sure the right person is named, in writing, before you ever need them to be.
__________

Talk to your financial adviser about guardianship and estate planning, or visit https://www.kinherit.co.uk/ to find out more.

The story changes when one question is asked before it becomes urgent.In Episode 3 of Once Upon a Guardian, Kinherit rew...
28/08/2026

The story changes when one question is asked before it becomes urgent.

In Episode 3 of Once Upon a Guardian, Kinherit rewinds the tale to show how proper planning could have protected Hansel and Gretel from the start.

A Will, a named guardian, a Letter of Wishes, a trust and Kinvault all work together to make sure the right person is ready to step in.

__________

Let’s rewind to the year Gretel was born, one question that changed everything.
Count Sterling had been the family’s financial adviser for years. He had an annual review with the father after the death of their mother. He had arranged the life insurance, made sure the income protection was in place, and - with a new baby and a toddler at home - he asked the question every parent needs to hear.

“You don’t have a Will - if something happened to you, who would look after the children?”

He knew immediately. Rose. Their mother’s sister - warm, steady, already a beloved figure in the children’s lives. Count Sterling made the introduction to Jess, a STEP-qualified estate planner at Kinherit.

Jess drafted the Will carefully. Rose was appointed as testamentary guardian - a legal appointment, registered and unambiguous. Their mother and father were always aligned with their wishes for the children. Jess discussed this with their father and alongside the Will, she prepared a detailed Letter of Wishes: the schools they had chosen, the values they wanted passed on, the routines that made the children feel safe, the people they trusted and the people they did not. All safely saved in his Kinvaut, ready for the day he hoped would never come.

She also established a Discretionary Trust to safeguard the children’s inheritance on their father’s death. Rose was named as a trustee alongside an independent professional trustee - giving her the funds to care for the children properly, managed with oversight, until the children came of age and could step in to manage themselves. The witch could present herself as warmly as she liked. Every door was already closed.

It took one evening. One Will. One Letter of Wishes. One trust. One Kinvault.
__________

Next week: Rose gets the call - and arrives before anyone else can.

Ask your financial adviser about a Kinherit referral > https://www.kinherit.co.uk/

Some houses look safe from the outside. Some people sound kind when they first appear.In Episode 2 of Once Upon a Guardi...
21/08/2026

Some houses look safe from the outside. Some people sound kind when they first appear.

In Episode 2 of Once Upon a Guardian, Kinherit explores what can happen when children are left without a named guardian, clear wishes or a written plan.

When no one has been chosen, the wrong person can step forward first.

Here is Episode 2: The Stranger With the Sweetest House.
__________

She introduced herself as a family friend. She knew their parents’ names. She had a warm house, a full table, and a very convincing story.

The witch had been watching. She knew that children without guardians, without named protectors, without a Will behind them, were extraordinarily vulnerable. She had done this before.

She presented herself to the authorities as a close family friend, a caring adult willing to step in, who had watched long enough to convince everyone that she was already a trusted figure in the children’s lives. The ginger biscuits and sweets tricked the children as well. There was no named guardian to challenge her. No family or close friends to reveal that she was a total stranger. There was no Letter of Wishes setting out what kind of person the parents would have chosen, who the children knew, what values mattered, what warning signs to look for. There was nothing written down at all.

The inheritance was there, but the money sat tangled in the estate, inaccessible, working its way slowly through an intestacy process that would take months. The witch was patient. She had no interest in the money, not yet. She had other plans for the children.

Nobody came for Hansel and Gretel. Nobody had been named. Nobody had been asked. The one person their parents had always assumed would step in - their mother’s sister, Rose - never received a call, because no document had ever made her role official.

Rose didn’t even know their father had died until it was almost too late.
__________

Next week: what would have happened if their parents had made one different choice.

Ask your financial adviser about a Kinherit referral > https://lnkd.in/dBKFH9b

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Next in our Kinherit fairytale retelling series, we’re stepping into the woods with Hansel and Gretel for Once Upon a Gu...
14/08/2026

Next in our Kinherit fairytale retelling series, we’re stepping into the woods with Hansel and Gretel for Once Upon a Guardian. 📖🌳

What happens when parents haven’t named a guardian, written down their wishes, or made a clear plan for the people who matter most?

Start reading Episode 1 - The Children Nobody Planned For.

__________

When Hansel and Gretel’s parents died, nobody had written down who should care for them.

Their mother had died a few years ago without a Will. Their father had always meant to sort a Will. There was a house, some savings, life insurance through work - enough to give the children a decent start, if it ever reached them. But the Will never got written. The conversation never happened. There was always something more pressing.

Their stepmother had never bonded with the children and was never a parental figure in any way. She had her own life to return to, her own difficulties to manage. When Hansel and Gretel’s father died, suddenly and without warning, the stepmother found herself the only adult in the house - and she wanted out.

With no Will, there was no named guardian. No one their father had chosen. No legal appointment, no Letter of Wishes, no record of who he would have trusted with the children’s lives.

The stepmother made her decision quickly. The children could not stay. She had no legal obligation to keep them and no desire to try. Social services were stretched. Family members were distant. The children were young, frightened, and entirely unprotected by any document their parents had ever thought to write.

They were sent into the woods. And the woods, as it turned out, were not empty.

__________

Next week: the stranger who seemed so very kind.

Speak to your financial adviser about guardianship and Wills > https://lnkd.in/dBKFH9b

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