What happens to my Will if I get married or divorced?  

Another significant moment in your life will, of course, be a marriage or divorce –at these times, it’s vital that you review your Will or put one in place if you don’t have one.  We’ve discussed below the effect on your Will of a marriage or a divorce – if you’re facing one of these situations and would like to chat to us about updating or making your Will, please call us on 0161 749 9000 or contact us here.  

Do I need a new Will if I get married? 

In a word, yes.  A marriage will invalidate your Will and unless a new Will is put in place following your marriage, essentially you don’t have a Will. 

There is one exception to this and that is if your Will has been written “in contemplation of marriage” and the person you are marrying is named in the Will.  Your Solicitor will advise you about this if you are going to be married shortly after making your Will, but it is always a good idea to put in place a new Will as soon as possible after your marriage to avoid any risk of your old Will being made invalid.    

Do I need a new Will if I get divorced? 

In short, probably.  A divorce or dissolution of a civil partnership will mean that, in terms of your Will, your former spouse or civil partner will be deemed to have died on the date that marriage or civil partnership was legally ended. 

This means that if your former spouse or civil partner is named as an Executor or a Trustee in your Will or receives a gift or share of the Estate, all of which are quite likely, then these parts of the Will would not happen on your death.  This may cause problems for the distribution of your Estate, for example if your former spouse or civil partner was the only person to receive a gift or a share of the Estate then this would not happen and your Estate would then be distributed according to the rules of Intestacy which may not be what you want to happen. 

Another point you need to consider is that, before the marriage or civil partnership is legally ended, your Will is valid.  This means that if you pass away before the end of your marriage or civil partnership, your spouse or civil partner will still be an Executor or Trustee and/or receive the gift or share of your Estate.  This may not be what you want to happen so it would be a good idea to consider updating your Will if you are in the process of ending your marriage or civil partnership.   

I want to change my Will or put a Will in place – what should I do now? 

If you’ve just been married or divorced or you’re about to get married or divorced (or if you just need some advice about your Will), feel free to call Leech & Co on 0161 749 9000 for a free, no-obligation chat.   

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We talk to all our clients about Powers of Attorney and recommend to them that they are put in place as early as possible.  Powers of Attorney are really a form of insurance that will protect you and your family in certain circumstances.  Like any insurance policy, you put them in place and hope you never need them.  However, if you need them as a result of ill health in the future, but don’t have them, you and your family will face an even more difficult and worrying situation which can impact you and your family in practical, legal and financial ways.

As we talk to our clients about Powers of Attorney, we have found that some people are very keen, but others are a bit suspicious and a bit worried about putting them in place.  This suspicion and worry seems to come from some myths and common misunderstandings about Powers of Attorney.   In this article we’ll discuss the most common ones and put the record straight.  Hopefully, this will help people make an informed decision about Powers of Attorney and encourage them to put them in place.

“Powers of Attorney are too expensive”

This is the most common comment we receive about Powers of Attorney.  It’s true there is a cost involved with Powers of Attorney.  Generally, a solicitor will charge a fixed fee to draft and arrange the registration of the documents and there is also a registration fee of £82.00 per Power of Attorney.  These are one-off payments that ensure the Powers of Attorney are in place and ready should you ever need them.

However, this one-off cost needs to be balanced against the costs and fees if you don’t have Powers of Attorney, but need them in the future as a result of ill health.  In this situation, in order to make any decisions or take any actions for you, your family will have to apply to the Court of Protection to be appointed as your Deputy.  This is a long, complex process and it will be far more expensive in terms of legal fees than the fixed fee charged for putting in place the Powers of Attorney.

We firmly believe that it’s much better, safer and cheaper for you and your family to put in place Powers of Attorney as early as possible than to take the risk of not putting them in place and having to apply to the Court of Protection.   

“My wife / husband / next of kin will be able to make decisions for me if I become ill”

This isn’t true unfortunately.  If you don’t have the mental capacity to make your own decisions, nobody has the legal right to act on your behalf in relation to your financial, property or healthcare decisions unless they have been granted the legal authority to do so by a Power of Attorney.  This includes your wife / husband / next of kin.

“I have a joint bank account so I don’t need Powers of Attorney”

Again this also isn’t true.  If you have a joint bank account and one of you loses capacity, there is no guarantee that your husband / wife / partner will be able to access the joint account to make payments for bills, the mortgage, expenses etc.  Your bank is entitled to stop access to the joint account if one of you loses capacity until a copy of the Power of Attorney document has been provided to them.  If Powers of Attorney have not been put in place by the time one of you loses capacity, it is too late to put them in place and access to the account may be denied by the bank.  

If you have Powers of Attorney in place, your Attorney can access the bank account and ensure all payments are made.

“I have a Will so my Executor will be able to help me if I become ill”

A Will is an entirely separate document to the Powers of Attorney.  A Will is only for when you pass away, a Power of Attorney is only for when you are alive.  Your Executors and Attorneys may be the same people, but they are entirely different roles.  Executors have no authority to act on your behalf in any situation while you are still alive.  The only way to appoint someone to assist you while you are alive with financial, property and healthcare decisions is by putting in place Powers of Attorney and appointing an Attorney.

“I’m not ill at the moment so I’ll wait to see if I get ill before I put the Powers of Attorney in place”

This is risky and we would not advise you to do this.  Your Powers of Attorney can only be put in place by you.  You must appoint your own Attorneys and you must have mental capacity to do this.  If you wait until you’re unwell and you actually need the Powers of Attorney, it may be too late for you to put them in place.  Your family will then have to apply to the Court of Protection to make decisions on your behalf.

“I don’t want to put in place Powers of Attorney because I don’t want to lose control over my finances or health decisions while I still have capacity to make my own decisions”

This is a common worry for people in relation to Powers of Attorney.  A Property and Finance Power of Attorney can become active to allow your Attorneys to assist you with financial and property matters while you still have mental capacity.  However, it cannot be used without your consent so you will still have control over your financial and property decisions.  

A Health and Welfare Power of Attorney can only become active if and when you lose mental capacity to make your own decisions and cannot be used while you have mental capacity. 

We tell our clients who are worried about losing control of their affairs that the only way to keep control is by putting in place Powers of Attorney.  This is because, should you become unwell, it is your appointed Attorneys making decisions for you in your best interests and in the way that you have directed them to do.  Without Powers of Attorney, those decisions will be made by a court and/or someone you haven’t appointed to act for you.  

We hope this article has cleared up some myths and misunderstandings about Powers of Attorney, but if you would like to discuss this further please contact us on 0161 749 9000 or via the website for a free, initial informal chat.  We offer home appointments and fixed fees as standard.

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In this article, we’ve tried to answer the most common questions we get asked by our clients in relation to dealing with a person’s Estate.  If you’re dealing with the Estate yourself or you’ve instructed a Solicitor to deal with it for you, we have set out in the article the typical stages of dealing with an Estate and what you need to know and do as the Executor or Administrator as well as some of the most commonly asked questions.

What are the responsibilities of an Executor?

When a loved one dies, there are practical, financial and legal matters that need to be dealt with.  If you have been appointed the Executor in a Will, a lot of those matters will fall to you to deal with. It will be your responsibility as the Executor of your loved one’s Will to obtain a Grant of Probate (if one is needed) and then administer the estate.  If there is more than one Executor appointed in the Will you will have to work with them throughout the process.

If there is no Will and you need to administer the Estate, you will be the Administrator, not Executor, and the Estate will be dealt with according to the Rules of Intestacy (see below).

What are the stages of dealing with an Estate as an Executor or an Administrator?

The process of administering an Estate for an Executor or an Administrator can be daunting and difficult because it will have various practical, financial and legal issues to deal with and each Estate will be different with its own particular issues.  

However, dealing with an Estate for an Executor or an Administrator generally has the following stages:

1. Register the death, obtain the Death Certificate and notify the ‘Tell Us Once’ service so that public bodies such as DWP, HMRC etc are notified of the death.  You can find more details about what to do here;
2. Locate and obtain the Will – you will then need to confirm that the Will is valid and that it is the latest Will of the deceased.  You will also need to understand what the will is asking you to do in relation to dealing with the Estate;

If there is no Will, the Estate will be dealt with according the rules of Intestacy.  In this situation, you will not be the Executor of the Estate, you will be the Administrator of the Estate.  You can find out about these rules here.

1. Identify all assets and debts of the Estate by obtaining all paperwork and documents in relation to the deceased’s property, finances, possessions, outstanding Bills and debts etc;
2. Obtain a valuation of the property and any possessions and contact all asset and debt holders i.e. banks, insurance companies, pension providers, utility providers, public bodies etc to confirm the value of all assets and debts;
3. Prepare Estate Accounts confirming all assets and debts and how the terms of the Will are to be carried out and ensure these are agreed by all Executors or Administrators;
4. Prepare and complete the application form for the Probate Registry to apply for the Grant of Probate.  The Grant of Probate is the legal document that gives the Executors the legal authority to administer the Estate.  (N.B. In certain circumstances, you will not need to apply for a Grant of Probate – find out more here );

If there is no Will, the Administrators of the Estate will apply for Letters of Administration rather than the Grant of Probate.  However, the Letters of Administration, like the Grant of Probate, is the legal document that gives the Administrators the legal authority to administer the Estate.

1. Prepare the relevant inheritance tax forms to confirm the value of the Estate and to confirm whether or not Inheritance Tax is payable.  Find out more about whether Inheritance Tax is payable and how and when to pay it here ;
2. When the Grant of Probate or Letters of Administration have been obtained, you will need to gather in all assets and ensure that all monies are deposited into an account;   
3. Pay all debts and expenses of the Estate and then distribute the remaining Estate funds to the Beneficiaries according to the terms of the Will or the rules of Intestacy.  If the terms of the Will include specific requests, for example, that a specific item is to be given to a certain person, it is the Executor’s responsibility to ensure that person receives that item;
4. As the Executor or Administrator, you will need to prepare the final Estate Accounts to confirm how the Estate has been administered.  Therefore, throughout the process, you will need to document everything you do, obtain confirmation of payment of bills and debts and obtain receipts for any payments.

This is a very basic overview of the role of an Executor or Administrator and the stages you need to work through to deal with a person’s Estate.  However, there are generally issues you will need to deal with that aren’t covered in this article, especially relating to the Estate Accounts, the application forms and Inheritance Tax forms, so if you get stuck at any stage, it’s always a good idea to obtain the professional advice and assistance of a Solicitor.

Do I have to use a Solicitor to deal with the Estate?

The simple answer is no you don’t, you can deal with the Estate yourself with the other Executors/Administrators.  However, the process of dealing with an Estate can be a complex, lengthy and time-consuming one with multiple stages, forms to complete, inheritance tax issues to consider and different banks, building societies and companies to deal with.  An error at any stage or with the forms can delay the process and administering the estate incorrectly could lead to your actions being legally challenged by the Beneficiaries.

A Solicitor can deal with the whole process or parts of the process for you, they can provide advice throughout and help you avoid the pitfalls, hassle and stress of dealing with the Estate on your own.

Who pays the Solicitor’s costs if I instruct them to deal with the Estate?

The legal fees for obtaining the Grant of Probate or Letters of Administration and administering the Estate are paid for from the Estate Funds and not by the Executor or Administrator.  The way a Solicitor charges for dealing with the Estate and the charges themselves will vary from Solicitor to Solicitor.  However, the Solicitor will discuss and agree the fees with you before starting work.   The Solicitor may charge the Estate a fixed fee, an hourly rate or a percentage of the value of the Estate.

If you would like to discuss your role as the Executor or Administrator and how Leech & Co can help you to navigate the process and assist you every step of the way, please call for an informal, no obligation chat on 0161 749 9000 or contact us here.

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Leech & Co are happy and proud to be involved in such a great community project and we’ve contributed an article to this first issue.  Here it is below, and, as you can see, Matt is talking about Wills, Powers of Attorney and Probate and how we can help you and your family with these matters.  If you or anyone you know needs assistance with these, please feel free to call us for a no obligation chat on 0161 749 9000.

To read online click ‘https://www.connectingtrafford.online/‘ and go to page 6-7

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At Leech & Co we remain committed to helping our clients prepare for their future. We are continuing to help our clients make Wills, put in place Powers of Attorney and Funeral Plans and assisting them following the death of a loved one. We also remain committed to serving our clients by holding all appointments at our clients’ homes so that our clients do not have to make an appointment to visit us at our offices.

However, the health and safety of our clients and members of our team are our number one priority at all times. So, how do we make sure our clients and team members are safe while also continuing to help our clients?

The first thing we can all do is keep ourselves informed of the facts and the latest guidance. By this stage of dealing with Covid-19, we all know what we need to do to try to keep ourselves and each other safe and, through the year, we have all learnt about Covid-19, its symptoms and how it can be passed between people. However, there is a lot of information to take in and so it is always good to remind ourselves of the basic facts – a good summary of what we need to know at the moment can be found on the BBC website:

Coronavirus – what are the symptoms? https://www.bbc.co.uk/news/health-51048366
A cold, flu or Coronavirus – which one do I have? https://www.bbc.co.uk/news/health-54182329
What are the rules in your area? https://www.bbc.co.uk/news/uk-54373904
What are social distancing and self-isolation? https://www.bbc.co.uk/news/uk-51506729
Coronavirus – how can I look after my older relatives? https://www.bbc.co.uk/news/uk-51855011
As well as keeping ourselves informed, there are practical steps we can take to combat the spread of the Covid-19. At Leech & Co, we are committed to keeping our clients safe, but also to continue helping our clients and visiting them in their homes. These are the steps we are taking to do this:

1. We have provided all team members with the latest medical advice provided by the Government and NHS in relation to measures to stop the spread of the virus. We will continue to do this on a daily basis so that we are all aware of all preventative measures that we need to take.
2. The latest Government and NHS advice can be found using these links:
3. Coronavirus (COVID-19): UK government response – GOV.UK
4. Coronavirus (COVID-19): NHS
5. All team members wear face masks to all appointments (and in public spaces generally);
6. All social-distancing guidelines will be observed at all appointments;
7. We have instructed our team members to wash their hands regularly through the day and especially before and after every client appointment and to wear gloves if appropriate;
8. All team members work from home and drive to all appointments by car. Therefore, we avoid contact with people in offices and/or on public transport;
9. All non-essential team meetings have been cancelled;
10. We regularly disinfect all office equipment i.e. keyboards, printers, phones etc so that any contact with any paperwork sent to our clients should be safe;
11. We do not share equipment with each other or with clients including pens, folders, files etc;
12. We will offer all clients the option of holding their appointments by telephone and/or by Skype/Facetime. We are aware that some clients prefer a face-to-face meeting and we are happy to visit our clients in their homes (observing all safety and social-distancing guidelines);
13. Each day we are monitoring all team members and all team members’ families to see if they are displaying any relevant symptoms. If any relevant symptoms are displayed, the team member and their family will immediately self-isolate and re-arrange all client appointments in accordance with the latest advice and guidance.

We will continue to monitor and update these steps in line with the Government’s and NHS advice.
We wish all of our clients and their families well at this difficult time and if we can be of assistance to you in any way, please let us know.
If you would like to discuss any aspect of our Covid-19 policy further or if you wish to discuss making a Will or Power of Attorney or any of our services, please call one of our friendly team on 0161 749 9000 or e-mail us at leech@leech.co.uk to ask for a call back.

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Video Transcript:

Hi, this is Matt, from Leech & Co Solicitors, just a short video about Wills and whether you should use a Solicitor to make your Will or try and do it yourself or use a Will-Writing Company.

So, should you use a Solicitor? Basically, yes, we think so. You might’ve guessed that would be my answer and you might be thinking, as a Solicitor, well he would say that wouldn’t he, but there are genuine reasons and those genuine reasons are for your protection as the client, to help you out, to make the process straightforward and streamlined and it’s for your benefit all the way.

A Solicitor will be legally trained, has legal knowledge, will have experience of dealing with similar matters to yours and will be skilled in asking the right questions and obtaining the right information from you to make sure your Will is not only right, but is right for you.

Solicitors have all of that experience, knowledge and skills. However, if you do it yourself or use someone who is not legally trained or doesn’t have that experience, you don’t have the benefit of that experience and training. You’re then in a situation where “you don’t know what you don’t know” so you might think you’re pitting the right information in getting it right in terms of the technical, legal aspects, but you might not be and you won’t know.
You might trying to put the content in to make it right for you, but you might not ask yourself the right questions or you might not know there’s a better way to do things, but you won’t know this so in the end the Will doesn’t do what you want it to do. That’s not the point of a Will.

Unfortunately, you won’t know and with a Will, by the nature of a Will, you won’t know it’s not right for you or it’s not right or it’s completely wrong or it’s invalid until it is too late i.e. after you’re no longer here. So, when the time comes to use the Will, it’s too late to do anything about it because that’s the will you’ve got and if it’s invalid, it’s as if the Will doesn’t exist and effectively you don’t have a Will.

Then, the whole situation that you’re trying to avoid by putting a Will in place i.e. avoid troubles for your family, avoid family arguments and stress and upset, without a Will or an incorrect Will or an invalid Will or a will that doesn’t do what you want it to do, that’s precisely the situation you’re in, or at least that’s the situation your family is in.

Using a Solicitor avoids all of that. You have the reassurance, the comfort, the protection of using a Solicitor that you know the Will is right and valid.
Of course, even with a Solicitor mistakes can happen, but all Solicitors must be fully insured and that, again, is for your benefit and protection so if mistakes happen you’re covered by the Solicitor’s insurance. However, if you do it yourself or use a Will-Writing company that’s not fully insured and the will turns out to be wrong or invalid, you have no protection, no comeback If you make the Will yourself or use an unqualified or uninsured company, you won’t be covered if the Will is incorrect or invalid.

So, using a Solicitor may not be the cheapest option, but it is the safest, most reliable way to make your Will to make sure it is correct and valid and it gives you the most protection and peace of mind. So, it’s good value for money. Not to use a Solicitor in the long run may well be a false economy.
It comes down to this really- if you want something doing properly and well and to give your peace of mind and reassurance, always use an expert. So, for me, if something went wrong with my car, I’d go to a mechanic. If something went wrong with the electrics in the house, I’d go to an electrician.
It’s the same with legal matters. It’s technical, it’s more complex than you might realise, there’s much more to it to get it right so if you want it doing properly to give you peace of mind and protection, use a Solicitor. They will make the process for you straightforward, but to do it yourself you might find that it isn’t and that you don’t end up with what you want in terms of a valid, correct Will.

Now, you don’t have to use Leech & Co, but you should use a Solicitor. If you want to talk to us we’d be happy to talk to you about your Will and you can call us on 0161 749 9000 or have a look at our website for much more information – www.leechandco.co.uk – and you can contact us through the website. We’re more than happy to chat to you and talk things through with you and there’s no obligation to instruct us.
Thank you for listening and hopefully speak to you soon.

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Video Transcript:

Hi, this is Matt from Leech & Co Solicitors, just a short video about Wills, what’s involved in making a Will, how long the process takes and what it costs.

What’s involved in making a Will?

The first point, we would always say is use a Solicitor to make your Will. We are Solicitors so we would say that, but there are genuine reasons for that. The main one being to use a Solicitor to make your Will is that you have the benefit of the Solicitor’s skills, their experience, their training, their legal knowledge etc which is invaluable when making a Will. It’s more complicated that you’d think, there’s quite a lot involved, you have to make sure it’s right and make sure it’s right for you and the Solicitor has those skills. So, that’s why we’d say use a Solicitor and its not just for our benefit! It’s for your benefit as the client.
You need that reassurance that the Will has been done correctly, that when the Will is needed, it’s right, it’s valid and its going to work for you and your family.
So, I’ll do another video about why you should use a Solicitor, but that’s just the first point for this video.

So, what’s actually involved, what’s the process of making your Will?

Well, another advantage to using a Solicitor is that the Solicitor will make the process of making your Will straightforward for you using their skills and experience and so on. Each Solicitor will have a different process and their own way of doing things, but at Leech & Co we will always come to see you at your home or workplace so you never need to make an appointment at our office or take time out of your schedule or find time, we know everyone’s busy, so we will come to you at your home or workplace or wherever you’d like.
At the moment due to the Coronavirus, we’re quite limited, but if need us to come and see you, we will and we’ll find a safe way of doing that, but we’re doing a lot of interviews at the moment over the phone, on video-calls are carrying out most of our meetings with clients on the phone or by video call or whatever works for you.
When we do meet with you, either face-to-face or on the phone, we’ll sit down with you, talk to you, listen to you, get an idea of what you want and what you’re trying to do and we can then advise you and give you some ideas as to your options and choices i.e. this might be a good way to do things or this might be a better way of doing it than you’d thought etc. We can give you some knowledge you maybe didn’t have before and give you some more ideas as to what you can do.
Once we’ve discussed it and we’ve discussed the ideas, we’ll prepare a draft Will for you so you can have a look. Quite often when someone sees something written down they then have other ideas and want to change it and that’s fine, no problem. If you need more than one appointment, two, three, four appointments, that’s all fine, we’ll do what it takes to get your Will right.
So, once you’re happy with the final Will, we’ll draft it up, send you the final copy and come and see you to have it signed and witnessed. You’ve then got your final Will.

What happens after that? We will store it in our secure Will bank, keep an electronic copy on our file and provide you with a paper copy so it will be very easy to locate when it’s needed. The storage of your Will is free of charge, but there is an additional charge of £30.00 if you want to register your Will with Certainty National Will register, but this really is covering all bases.

So, how long does it take? If the Will is relatively straightforward, we would expect to have the final Will ready and with you within 2 – 3 weeks so from the first time you talk to us, 2 or 3 weeks later you’ll have your final Will. Obviously anything more complex that needs more meetings, more discussions or you just can’t fit it into your schedule to have the meetings it might take a little longer, but ideally all being well, 2 to 3 weeks from when you first talk to us

Crucial question, how much does it cost? Well, it’s difficult to be precise without talking to you first and finding out exactly what you need. The full price list is on our website so you can what we do and how much we charge for each different service, but to give you an idea we charge £175.00 plus VAT for a single, straightforward Will. However, we offer fixed fees whenever we can so it gives you certainty at the outset of the cost you’ll be paying at the end.
We also offer a discount if you refer your family and friends to us and if we can help them they get a 10% discount. We offer flexible payment terms so you can pay over a number of months we ca arrange that with agreement.
We also offer 20% discount off our fees for all NHS staff, carers, teachers, Police, members of the emergency services and armed forces, all Keyworkers and Foodbank Volunteers. Hopefully I’ve not missed anyone out, but Keyworkers is quite a broad group of people. We’re more than happy to give that discount to try and give something people to those people.

So, hopefully that gives you an idea of the process and what it involves. We can make it straightforward for you. So give us a call if you want to have a chat about making your Will or updating your Will, we’re more than happy to chat, there’s no obligation to instruct us – it’s 0161 749 9000 or contact us through the website www.leechandco.co.uk

Look forward to speaking to you soon and if we can help you, we’ll be more than happy to. Speak to you soon, thank you for listening.

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Video Transcript:

Hi, this is Matt from Leech & Co Solicitors with just a short video about Wills, about what they are, why you need one, what happens if you don’t have one and how you can get one.  There’s plenty more information on our website so have a look there, but this is just a short introduction to give you some ideas if you’re thinking about making a Will.

So, what is a Will?  Well, obviously it’s not the cheeriest of subjects, not a lot of people want to think about it or talk about it, but it is an essential part of any plan for the future.  It’s probably one of the most important documents you’ll make in your life.

It essentially deals with what happens to your property, savings, money, possessions after you’ve died.  It tells whoever’s dealing with your Estate who you want to inherit, who you don’t want to inherit and it’s the only want to do this.  So if you have ideas about what you want to do with your assets, a Will is the only way you can ensure that what happens is what you want.

If you have small children, your Will can deal with what you want to happen to them in terms of who looks after them, how they will be provided for, how they will be educated etc

So, a lot of people say, well, I don’t have a lot, I don’t have a big house, I don’t have many savings etc so I don’t need a Will.  Well, you still do because if you have an idea of what you want to happen to whatever you do have, a Will is the only way to ensure that happens.

If you don’t have a Will, it’s the law that decides who gets what you own,  So, there might be someone you want to inherit and they may not inherit anything and there might be someone you don’t want to inherit and they inherit the lot.  Obviously, in that situation, you’ve wanted to look after your family and make sure they’re OK, but it’s the law that dictates what happens and it might not be what you want.  This can cause family arguments and fall outs, general upset and stress at what is already an upsetting and stressful time.

So, really, a Will is a way of protecting your family after you’ve gone, making sure what you want to happen happens and avoiding family stress, arguments and upset.  It’s a vital document and we would recommend that everyone has one.

Now, a Solicitor can help you do this, they can make the process straightforward, quick ad easy and affordable.  Obviously, you don’t have to instruct Leech & Co, but if you want to have a chat, call us and we can talk it through and see what we can do for you.  So, give us a call, we’d be more than happy to talk to you, with no obligation, the number’s 0161 749 9000 or contact us through the website www.leechandco.co.uk and we can see what we can do for you or at least just have a chat and give you some ideas.

So, look forward to hearing from you, thank you for listening.

The post What is a Will, why you need one and what can happen if you don’t have one? appeared first on Leech & Co.