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Helping Families & Business Owners Build Wealth, Protect Your Legacy & Pass It On - Tax-Efficiently 🛡️ Estate Planning | Wills & Trusts | Inheritance Tax | Wealth Management.

04/09/2026

Checking out of a hotel after a work trip, watched the man in front of me on the phone to his office.

"Just approve it yourself, I'll sign it when I'm back," he was saying, clearly stressed.

Made me think about something a lot of business owners overlook.

Most people who've set up Power of Attorney have done it for their personal affairs.

Bank accounts, bills, healthcare decisions.

Far fewer have thought about who could step in and run the business if they suddenly couldn't.

Sign the cheques. Pay the staff. Keep the lights on.

If that person doesn't exist on paper, a short-term problem can turn into a very long one, very fast.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help business owners plan for the business, not just for themselves.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘬𝘦𝘦𝘱 𝘣𝘰𝘵𝘩 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘢𝘧𝘧𝘢𝘪𝘳𝘴 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘤𝘰𝘷𝘦𝘳𝘦𝘥.

02/09/2026

Standing in a long queue at the post office this week, mostly just people mailing parcels.

The woman ahead of me was on the phone, clearly dealing with a relative's estate.

"I know Dad left us the money," she was saying, "but I can't touch any of it yet, and the bills haven't stopped."

That's a part of probate people rarely think about until they're in it.

The house, the savings, the investments, they're all frozen while probate is sorted.

Meanwhile the mortgage, the utilities, the everyday costs keep going.

It's rarely about how much someone left.

It's about whether there's anything accessible in the meantime.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families plan for the practical gap, not just the eventual outcome.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘮𝘢𝘬𝘦 𝘴𝘶𝘳𝘦 𝘭𝘰𝘷𝘦𝘥 𝘰𝘯𝘦𝘴 𝘢𝘳𝘦𝘯'𝘵 𝘭𝘦𝘧𝘵 𝘴𝘩𝘰𝘳𝘵 𝘸𝘩𝘪𝘭𝘦 𝘦𝘷𝘦𝘳𝘺𝘵𝘩𝘪𝘯𝘨 𝘦𝘭𝘴𝘦 𝘪𝘴 𝘴𝘰𝘳𝘵𝘦𝘥.

31/08/2026

Stuck on the M25 last week, going nowhere fast, half-listening to a phone-in on the radio.

Someone had called in about their pension.

Confused, understandably.

Because for years, pensions have sat quietly outside most people's estate planning.

Grown tax-efficiently, passed on separately, barely mentioned in the same breath as a Will.

That's changing.

From April 2027, most unused pension funds will start counting towards the value of your estate for Inheritance Tax.

It's already law.

For a lot of people, that's going to mean rethinking a plan they built years ago and haven't looked at since.

Traffic cleared eventually.

This one won't sort itself out quite so easily.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families understand how the rules affecting them have actually changed.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘮𝘢𝘬𝘦 𝘴𝘶𝘳𝘦 𝘺𝘰𝘶𝘳 𝘱𝘦𝘯𝘴𝘪𝘰𝘯 𝘴𝘵𝘪𝘭𝘭 𝘧𝘪𝘵𝘴 𝘵𝘩𝘦 𝘳𝘦𝘴𝘵 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘱𝘭𝘢𝘯.

24/08/2026

Waiting for a delayed flight at the airport recently, got chatting to a couple in the queue.

They mentioned the little apartment they'd bought in Spain a few years back.

Somewhere to escape the British weather.

I asked whether their Will covered it.

Blank look.

"It's just... ours. Isn't it?"

Not necessarily.

Owning property abroad often means dealing with another country's inheritance rules, not just your own.

Sometimes a UK Will covers it fine.

Sometimes it doesn't, and the family finds that out at the worst possible time.

If you own something overseas, it's worth checking exactly how it's treated, rather than assuming.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families make sure their planning covers everything they own, wherever it is.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘢𝘷𝘰𝘪𝘥 𝘯𝘢𝘴𝘵𝘺 𝘴𝘶𝘳𝘱𝘳𝘪𝘴𝘦𝘴 𝘢𝘤𝘳𝘰𝘴𝘴 𝘣𝘰𝘳𝘥𝘦𝘳𝘴.

03/08/2026

Picked up some veg at a farm shop over the weekend and got chatting to the woman behind the till.

Turned out it was her family's farm.

Third generation.

I asked if she'd be taking it on one day.

She laughed, a bit tired.

"That's the plan. Nobody's quite worked out how, though."

The rules around passing on farms and farming assets have shifted in recent years.

What used to be relatively straightforward isn't anymore.

And a farm isn't like a savings account. You can't just split it four ways and carry on.

Land, machinery, livestock, the house, the business.

All tangled together.

Families who run farms often need a very different kind of planning conversation to most.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help farming and rural families plan around assets that don't divide neatly.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘮𝘢𝘬𝘦 𝘴𝘶𝘳𝘦 𝘵𝘩𝘦 𝘧𝘢𝘳𝘮 𝘥𝘰𝘦𝘴𝘯'𝘵 𝘦𝘯𝘥 𝘶𝘱 𝘧𝘶𝘯𝘥𝘪𝘯𝘨 𝘢 𝘵𝘢𝘹 𝘣𝘪𝘭𝘭 𝘪𝘯𝘴𝘵𝘦𝘢𝘥 𝘰𝘧 𝘢 𝘧𝘶𝘵𝘶𝘳𝘦.

31/07/2026

Stood at a wedding last weekend, glass of fizz in hand, listening to the best man's speech.

All the usual stuff.

How they met.

The proposal.

The stag do story he definitely wasn't supposed to tell.

Got me thinking about something most people never hear on their wedding day.

Getting married doesn't just change your surname or your tax code.

In England and Wales, it cancels your existing Will completely.

Doesn't matter how carefully it was written.

Doesn't matter who it was written for.

Unless it was drawn up specifically with that wedding in mind, the day you say "I do," it's gone.

Which means plenty of newly married couples are walking around thinking they're covered.

They're not.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At CJS Estate Planning, we help couples make sure their paperwork actually reflects their new life together.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘣𝘶𝘪𝘭𝘥 𝘱𝘭𝘢𝘯𝘴 𝘢𝘳𝘰𝘶𝘯𝘥 𝘸𝘩𝘦𝘳𝘦 𝘺𝘰𝘶 𝘢𝘳𝘦 𝘯𝘰𝘸, 𝘯𝘰𝘵 𝘸𝘩𝘦𝘳𝘦 𝘺𝘰𝘶 𝘶𝘴𝘦𝘥 𝘵𝘰 𝘣𝘦.

27/07/2026

Watching the cricket the other afternoon, the commentator said something that stuck with me.

"It's usually the little mistakes that lose games."

That applies to estate planning too.

It's rarely one huge mistake.

It's five or six small ones.

An old Will.
An outdated beneficiary.
Missing paperwork.
A forgotten account.

On their own they don't seem like much.

Together, they can create a real headache for the people you leave behind.

The little details matter.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families get the details right before they become problems.

And with support from a regulated financial advice partner, we help ensure nothing is left to chance.

24/07/2026

Spent a day walking around London recently.

Everywhere you looked there were cranes.

Old buildings becoming new ones.

Extensions.
Renovations.
Change everywhere.

It made me realise...

People are constantly improving their homes.

Moving.
Upsizing.
Downsizing.

But many never update the legal documents connected to those changes.

Life moves on.

Your estate plan should move with it.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families make sure their plans evolve as life does.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘬𝘦𝘦𝘱 𝘺𝘰𝘶𝘳 𝘦𝘴𝘵𝘢𝘵𝘦 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘢𝘭𝘪𝘨𝘯𝘦𝘥 𝘸𝘪𝘵𝘩 𝘺𝘰𝘶𝘳 𝘨𝘰𝘢𝘭𝘴.

22/07/2026

Family BBQ at the weekend.

Someone needed to find an old insurance document.

Straight away somebody said,

"Ask Dad... he'll know where it is."

Then everyone stopped.

Because Dad wasn't around anymore.

It reminded me how often one person becomes the keeper of all the important information.

Bank accounts.
Policies.
Documents.
Passwords.

If only one person knows where everything is, life becomes much harder for everyone else.

Good estate planning is about making life easier.

Not more complicated.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families organise their affairs clearly and simply.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘦𝘯𝘴𝘶𝘳𝘦 𝘯𝘰𝘵𝘩𝘪𝘯𝘨 𝘪𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘨𝘦𝘵𝘴 𝘰𝘷𝘦𝘳𝘭𝘰𝘰𝘬𝘦𝘥.

20/07/2026

Spent an hour at a local fête recently.

There was a family trying to get four generations together for a photo.

Great-grandparents.
Grandparents.
Parents.
Kids.

It took about ten attempts before everyone was looking in the same direction.

It got me thinking...

Most families talk about the legacy they want to leave.

Very few actually put it into writing.

A legacy isn't just memories.

It's making sure the people you love are looked after when you're no longer around to do it yourself.

Comment 𝗚𝗨𝗜𝗗𝗘 and we'll send you our free estate planning guide.

www.cjsestateplanning.com

At 𝗖𝗝𝗦 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we help families turn good intentions into clear plans.

𝘈𝘯𝘥 𝘸𝘪𝘵𝘩 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘢 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘱𝘢𝘳𝘵𝘯𝘦𝘳, 𝘸𝘦 𝘩𝘦𝘭𝘱 𝘱𝘳𝘰𝘵𝘦𝘤𝘵 𝘸𝘩𝘢𝘵 𝘮𝘢𝘵𝘵𝘦𝘳𝘴 𝘮𝘰𝘴𝘵.

Address

128 City Road
London
EC1V2NX

Telephone

+447810825250

Website

http://cjsestateplanning.com/

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