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How to Tell Your Family About Your Will (Communication Guide)

· 13 min

Note: The following scenario is fictional and used for illustration.

David, 58, spent three months carefully crafting his will, ensuring every detail reflected his wishes for his wife and three adult children. He stored it safely with his solicitor and assumed his job was done.

When he died unexpectedly two years later, his family spent weeks searching for the will—none of them knew it existed or where to find it. When they finally located it through his bank statements, his eldest daughter was devastated to discover she'd received less than her siblings because David had helped her buy a house years earlier.

"I wish he'd just explained," she said. "I thought he didn't value me as much."

Nearly one in three UK adults (29%) with a will haven't told anyone where it's stored, and 51% don't know where their parents' wills are kept. Yet inheritance disputes have surged 37% over the past decade, with 10,409 probate disputes in 2023 alone—many stemming from poor communication rather than the will's contents.

This guide explains when and how to discuss your will with family, what information to share, how to handle difficult conversations about unequal inheritance, and why communication now prevents conflict later.

Table of Contents

Why You Should Tell Your Family About Your Will

Opening this conversation feels daunting—you're essentially telling your family you've planned for your death, which makes it uncomfortably real. But here's the truth: the 15 minutes of awkwardness now prevents years of confusion, hurt, and potential legal disputes after you're gone.

The statistics paint a clear picture. Research shows that 29% of people with a will haven't told anyone where it's stored, while over half of adults (51%) don't know where their parents' wills are kept. This silence creates real problems when the time comes.

Meanwhile, probate disputes have reached 10,409 cases in 2023, representing a 37% increase over the past decade. Perhaps most tellingly, 38% of Britons would legally dispute inheritance if it fell short of expectations, and siblings account for 49.5% of all inheritance disputes.

The primary benefits of telling your family about your will:

  • Prevents lost wills that leave estates in limbo for months
  • Reduces likelihood of disputes and legal challenges
  • Manages expectations before disappointment sets in
  • Allows you to explain reasoning while you're here to clarify
  • Ensures your executor knows their role and where to find documentation
  • Addresses questions and concerns while you can answer them

Emma, 52, avoided telling her children about her will for five years because "it felt too morbid." When she was diagnosed with a serious illness, the rushed conversation caused more distress than if she'd approached it calmly years earlier. The lesson: brief discomfort now prevents lasting family rifts.

You might worry: "Won't talking about it make everyone uncomfortable?" The answer is yes—but that discomfort lasts fifteen minutes. The confusion, hurt, and conflict that silence creates can last for years and destroy relationships that outlast you.

What You're NOT Required to Disclose

Here's something that might relieve some anxiety: you're not legally required to tell anyone anything about your will's contents. Not even your beneficiaries. Not even your spouse.

This is your will, and you control what information you share before your death. There's no obligation to disclose:

  • Exact monetary values or percentages
  • Specific bequests of personal items
  • Detailed reasoning for every decision
  • Conditional gifts or timing of distributions
  • Tax planning strategies you've employed

The only genuine requirement is that your executor must know about their role and consent to it before you name them in your will. Beyond that, what you share is entirely your choice.

James, 61, told his children "I've made a will that treats you fairly based on your different circumstances" without revealing that his eldest received less because James had already paid off her mortgage. The full explanation came later through his letter of wishes, which his executor shared after his death.

The distinction between helpful and required:

What you CAN keep private: the detailed contents, exact amounts, and complete reasoning behind every provision.

What's HELPFUL to share: where your will is stored, who your executor is, your general approach to distribution, and any context that prevents surprise or hurt.

This privacy serves legitimate purposes. It avoids creating entitlement before your death. It prevents family members from pressuring you to change provisions. It maintains harmony while you're alive to enjoy your family relationships.

When does full disclosure make sense? When family dynamics are healthy, when you're confident your decisions will be understood, and when transparency prevents worse speculation. When is general information sufficient? When relationships are strained, when explanations are complex, or when you want to preserve peace during your lifetime.

The key is intentional choice. Silence by default creates problems. Deliberate privacy with strategic communication respects both your rights and your family's need for basic information.

When Is the Best Time to Have the Conversation?

Timing matters enormously. Choose poorly, and you create unnecessary drama. Choose well, and the conversation feels natural rather than ominous.

The recommended approach, according to Age UK guidance, is during a regular family gathering rather than arranging a special "death meeting." When you make it an agenda item at Sunday lunch or a birthday celebration, it signals importance without creating fear.

The advance notice strategy works best:

Tell your family a week ahead that you'd like to spend fifteen minutes discussing your will during your next get-together. This gives them time to prepare mentally. It removes the element of surprise. It makes the conversation feel less morbid because it's anticipated and contained.

Sarah chose her 65th birthday lunch to mention her will. She casually said, "I've got some admin to discuss after dessert." The relaxed setting and the specific timeframe (after dessert, not during the meal) made the 15-minute conversation feel natural rather than dramatic.

Life stage triggers for the conversation:

  • After making or updating your will (strike while the clarity is fresh)
  • Before major surgery or medical procedures
  • At milestone birthdays (60, 65, 70) when estate planning feels timely
  • After your spouse's death (when family recognises mortality is real)
  • When updating your will for significant life changes

Nearly four in five adults (79%) are now comfortable discussing death, showing a cultural shift toward openness. This means your family is probably more receptive than you fear.

Age considerations:

Earlier is better. Have this conversation while you're healthy and sharp, when it's clearly planning rather than imminent preparation. But it's never too late—even if you're facing serious illness, balanced urgency without overwhelming during crisis is possible.

What to have ready:

Your draft will or clear notes about key decisions. This keeps the conversation focused and factual rather than emotional and vague. You don't need to bring the actual will document, but knowing where it is and what it generally says makes you confident and credible.

The conversation you avoid today becomes harder next month and infinitely more difficult when a health crisis makes it urgent. Choose your timing deliberately, give advance notice, and keep it brief and factual.

The Essential Information Your Family Needs to Know

You don't need to share everything, but certain information is essential for practical purposes. Here's what to communicate:

Must Share:

  • That you have a will and when you made it
  • Where the original will is stored (solicitor name and address, or exact home location)
  • Who your executor is (they must know and consent)
  • How to contact your executor (phone number, email, address)

Should Share:

  • General approach to distribution (equal split vs needs-based vs compensating for earlier gifts)
  • Guardianship provisions if you have minor children
  • Any specific funeral wishes included in your will
  • Existence of a letter of wishes with additional context
  • Any trusts established and their basic purpose

Optional to Share:

  • Specific monetary amounts or percentage splits
  • Detailed reasoning for every decision
  • Contents of your letter of wishes (can remain private until your death)
  • Tax planning strategies used
  • Distribution timing for children's inheritance

Example script you can adapt:

"I want you all to know I've made a will that's stored with Thompson & Partners Solicitors on High Street. Helen is my executor, and I've tried to be fair while considering everyone's different circumstances. If you have questions, I'm happy to discuss general principles, but some details I've kept private."

This script accomplishes everything essential. It tells them the will exists. It tells them where to find it. It identifies the executor. It acknowledges fairness without detailing exact provisions. It offers dialogue while maintaining boundaries.

Robert practiced his opening line three times before Sunday lunch: "Right, before we clear the table, I need five minutes to tell you about some planning I've done." His directness set a practical rather than emotional tone, and the five-minute timeframe kept it focused.

The information your family needs isn't the complete contents of your will. It's the practical details that help them when the time comes and the general context that prevents shock and speculation.

How to Start the Conversation (Practical Scripts)

The hardest part is the first sentence. Here are concrete scripts you can adapt for different contexts:

For adult children:

"I've done something important that I want you to know about. I've made a will to make sure you're all taken care of, and I want to tell you where it is and answer any questions you might have."

For your spouse or partner:

"We should both know where each other's wills are and what our general plans are. Let's spend 30 minutes this weekend going through the basics together."

For your parents (asking about their will):

"I want to make sure I can find your will if anything happens. Can you tell me where it's kept and who your executor is? I'd also love to know if there's anything specific you want us to understand about your wishes."

For siblings (coordinating about parents):

"Have Mum and Dad told any of us where their wills are? I think we should gently ask them so we're prepared if we need to find them quickly."

The conversation structure that works:

  1. Set context: "This isn't urgent, but it's important and I want you to know"
  2. State facts: "I've made a will" or "I've updated my will"
  3. Share key information: Storage location, executor name, contact details
  4. Explain philosophy: "I've tried to be fair while considering different circumstances"
  5. Open for questions: "What would you like to know?"
  6. Set boundaries: "Some details I've kept private, but I'm happy to explain my overall thinking"

Tone guidance:

Aim for calm, matter-of-fact, and reassuring. This is practical planning, not a deathbed confession. Avoid being dramatic, apologetic, defensive, or overly emotional. Treat it like discussing insurance or pension arrangements—important life admin that responsible adults handle.

What NOT to say:

  • "I need to tell you this because I might die soon" (creates unnecessary alarm)
  • "I'm sorry, but I've made some difficult decisions" (starts with apology and defensiveness)
  • "Don't get upset, but..." (guarantees upset)
  • "I hope you won't be disappointed" (plants expectation of disappointment)

What TO say:

  • "I've taken care of something important and want you to know about it"
  • "I've made decisions I think are fair, and I want to explain my thinking"
  • "This is about planning responsibly, not about anything being wrong"

The words matter less than the tone. Confidence, clarity, and calm make this conversation manageable. Hesitation, apology, and anxiety make it frightening.

Explaining Difficult Decisions: Unequal Inheritance and Exclusions

This is where family conversations become genuinely challenging. When your will contains decisions that might hurt or disappoint someone, communication requires both courage and compassion.

Common difficult scenarios:

Unequal distribution among children—perhaps you're compensating for earlier financial support given to one child, recognising caregiving another child provided, or addressing different needs and circumstances.

Leaving everything to your spouse with children receiving nothing until second death—a common estate planning strategy that can surprise adult children expecting immediate inheritance.

Leaving a significant amount to charity—which may surprise family members expecting to receive your full estate.

Appointing one child as executor over others—a practical decision that can feel like favouritism to siblings.

Excluding a family member entirely—the highest-risk situation that typically requires legal advice about potential Inheritance Act claims.

Communication strategies that preserve relationships:

Lead with reasoning, not amounts. Say "I've tried to balance fairness with your different situations" rather than "You're getting 30% while your sister gets 35%." The principle matters more than the precise numbers.

Acknowledge potential hurt. Say "I know this might initially feel unfair, but let me explain my thinking." Validation doesn't mean apology—it means recognising their emotions as real and legitimate.

Use your letter of wishes strategically. For complex emotional explanations, written context helps after your death. It gives you space to explain fully without the pressure of immediate reaction.

Consider separate discussions. If one child needs a private conversation about their circumstances, do so individually. Public announcements of unequal treatment can humiliate.

Emphasise that love is equal. Inheritance distribution doesn't reflect emotional value or worth. Make this explicit: "I love you all equally. The will reflects practical circumstances, not my feelings about you."

Catherine told her three children: "I helped Tom with his business startup and paid Lucy's IVF costs. I haven't been able to help Mark financially yet, so the will balances things out. The love is equal; the money reflects what I've already given." Her clarity prevented resentment.

What NOT to say:

  • "You've always been difficult, so you get less"
  • "Your brother needs it more because he's not as successful as you"
  • "If you don't like it, that's your problem"

What TO say:

  • "I gave you £50,000 toward your house deposit in 2018, so I've adjusted inheritance to keep things fair overall"
  • "I'm leaving everything to your mother first because she needs security, but you'll all inherit after she's gone"
  • "I've appointed Sarah as executor because she lives closest and has time available, not because I love her more than you"

Legal consideration:

If you're excluding close family members (spouse, children, or other dependants), strongly consider legal advice. They may have grounds to claim under the Inheritance (Provision for Family and Dependants) Act 1975 if they can show you failed to make reasonable financial provision for them.

Communication about difficult decisions won't make everyone happy. But it prevents the far worse outcome: discovering your decisions after your death with no opportunity to understand your reasoning. That's when hurt becomes anger, and anger becomes litigation.

Using a Letter of Wishes to Provide Context

A letter of wishes is one of the most valuable tools for difficult will conversations. It allows you to provide detailed written explanations that remain confidential unless you choose to share them.

What is a letter of wishes?

A letter of wishes is a non-legally binding document that accompanies your will and provides context, explanations, and guidance to your executors and trustees. Unlike your will, which becomes public after probate, your letter of wishes can remain private.

Key distinctions from your will:

Your will states WHAT happens to your estate—the legally binding distributions and appointments. Your letter of wishes explains WHY and HOW—the reasoning behind decisions and guidance for implementation.

The letter isn't legally binding, but it creates a moral obligation for executors and trustees to follow your wishes where possible. Since it's not a legal document, it doesn't need witnesses, and you can update it anytime without the formalities required for will amendments.

What to include in your letter of wishes:

  • Explanations of controversial decisions (unequal distribution, exclusions)
  • Guidance for trustees managing discretionary trusts
  • Distribution timing preferences for children's inheritance
  • Details about personal possessions distribution
  • Funeral and burial preferences
  • Children's upbringing wishes (guardianship context)
  • Personal messages to specific family members

How it helps family communication:

Your letter of wishes allows briefer conversations during your lifetime. You can say "Full explanation in my letter of wishes" without detailing everything verbally. It provides crucial context after your death when emotions are high and memories fade. It can reduce the likelihood of successful inheritance claims by demonstrating thoughtful reasoning.

The letter remains confidential unless you choose to share it. This gives you flexibility—you can reference its existence without revealing contents.

Michael's letter of wishes explained why his daughter who'd cared for him received the family home: "This isn't favouritism. Sarah gave up her career to care for me for three years. Her brothers maintained their careers and advancement while she sacrificed hers. This recognises her sacrifice and compensates for the professional opportunities she lost."

Important caution:

Your letter of wishes should never contradict your will. The will takes legal precedence because it's the binding document. If you want to make legally binding provisions, you must amend your will through a proper codicil or new will—a letter of wishes can't override will provisions.

The beauty of a letter of wishes is that it gives you space to be fully honest about complex family dynamics, financial circumstances, and emotional reasoning without the pressure of face-to-face conversation. Your executor can share it when the time is right.

What to Do If Your Family Reacts Badly

Despite your best efforts at communication, some family members may react negatively. Prepare for this possibility and know how to handle it.

Common negative reactions:

  • Hurt feelings: "Why does she get more than me?"
  • Anger: "That's completely unfair!"
  • Pressure to change provisions: "You need to split it equally or it's not right"
  • Silence and withdrawal: passive-aggressive response that's harder to address
  • Accusations of favouritism or claims that someone manipulated you

How to respond effectively:

Listen first. Allow them to express feelings without interrupting. Don't dismiss or minimise their reaction. Sometimes people need to vent before they can hear explanation.

Acknowledge emotion: "I understand you're upset, and I want to hear your concerns." This doesn't mean you agree—it means you recognise their feelings as valid.

Explain your reasoning clearly. Return to your WHY: "I've tried to balance fairness with different circumstances over the years." Provide facts without getting defensive. Focus on your intentions, not their reaction.

Reiterate that love is separate from inheritance logistics: "This is about practical planning and different situations. It's not about how much I love you."

Maintain firm boundaries. This is essential. Your family's feelings matter, but this is ultimately your decision.

Say: "I've thought carefully about this, and it's my decision."

Say: "I'm willing to explain my reasoning, but I'm not going to change provisions based on pressure."

Say: "This conversation is about informing you, not seeking permission."

When to stand firm vs reconsider:

Stand firm if your decision is based on sound reasoning, compensating for earlier support given, genuine differences in needs, or practical circumstances (like giving a business to the child who works in it).

Reconsider if family members raise practical issues you genuinely hadn't thought of, point out unintended consequences you didn't anticipate, or reveal information that changes your understanding of circumstances.

If the conversation becomes heated:

Pause: "Let's take a break and continue this another time when we've both had space to think."

Reiterate love: "I love you. This is about practical planning, not your value to me."

Offer written explanation: "I'll put my reasoning in writing so you can process it without the emotion of face-to-face conversation."

When to seek help:

Consider a family mediator if conflict escalates beyond respectful disagreement. Consult a solicitor if someone threatens legal challenge. Consider appointing a professional executor if family dynamics are too complex for family members to handle objectively.

Emotional management for yourself:

Remember that their discomfort now is better than litigation and family breakdown after your death. You're doing the right thing by communicating, even if it's hard. Not all family members will be pleased with your decisions—that's not failure, it's life.

When Peter's son accused him of favouritism for leaving the business to his daughter, Peter responded: "I understand you're hurt. Your sister has worked in the business for 15 years while you built your own successful accounting career. You have your firm; she has her livelihood in this business. It's about practicality and different circumstances, not love or worth."

Peter's son was still disappointed, but he understood the reasoning. That understanding prevented lasting resentment.

Telling Your Executor and Storing Your Will

Your executor conversation is the most critical one. This person needs detailed information and genuine consent before you name them in your will.

Discussing the executor role:

You must have this conversation before including someone as your executor in your will. They need to understand what they're agreeing to and have the right to decline.

What to tell your executor:

Where your will is stored (exact location, solicitor contact details, safe combination if relevant). Provide overview of your estate complexity so they understand what they're taking on. Be honest about any specific challenges they should expect—complicated family dynamics, business assets, international property, or potential disputes.

What they need to know about executor duties:

Applying for probate (the legal process to validate your will). Valuing your entire estate. Paying debts and taxes from estate funds. Distributing assets to beneficiaries according to will provisions. Filing necessary tax returns.

Time commitment:

A basic estate typically requires 20-30 hours of work over 6-12 months. A complex estate can require significantly more time, potentially hundreds of hours over 18-24 months.

Right to decline:

Make clear they can decline when the time comes if circumstances change. This is why having a backup executor named in your will is important.

Louise gave her daughter (her chosen executor) a sealed envelope containing: will storage location, solicitor contact details, complete bank account list, life insurance policy numbers, and a copy of her letter of wishes. She said: "Don't open this unless something happens to me, but when the time comes, you'll have everything you need."

Will storage options and what to communicate:

Solicitor storage: Tell your executor and family the full solicitor name, address, phone number, and email. This is the most secure option and easiest for family to locate.

Home safe or secure location: Tell your executor and at least two family members the exact location and safe combination if applicable. Risk: wills stored at home can be lost, damaged, stolen, or undiscovered.

National Will Register: Register your will's location with the National Will Register, the UK's official searchable database. Provide registration reference details to your executor and family. This creates a backup location record if physical storage details are lost.

Bank safe deposit box: Be cautious with this option. Banks may seal the box upon your death, requiring a probate grant to access—but you need the will to get the grant, creating a catch-22. If using this option, ensure your executor has authorisation to access the box.

Critical information to document:

Create a will information card or document with: will storage location, date will was made, solicitor or storage facility contact details (name, address, phone, email), National Will Register reference number if applicable, location of supporting documents (asset inventory, letter of wishes, life insurance policies, pension details).

Practical tip:

Give your executor and one other trusted person a card or document they can keep somewhere safe (wallet, home safe, with their own will) with your will location details. When something happens, they'll have the information immediately available.

The executor conversation isn't optional or something you can handle with a brief mention. It requires detailed discussion and consent. Your will is only as good as the executor who implements it.

When and How to Update Family After Will Changes

Your will isn't a once-and-done document. When you update it, your family needs to know—at least the essential information.

When to inform family of will updates:

After significant life events like divorce, remarriage, birth of children or grandchildren, death of a beneficiary or executor. After major asset changes such as property purchase or sale, business sale, significant inheritance you've received. After relationship changes if family dynamics have shifted. Periodically every five years even without changes to confirm storage location and executor willingness.

What to communicate:

That your will has been updated and the date of the new will. Any changes to your executor. Any significant changes to your distribution approach—you don't need to detail exact shifts. New storage location if it's changed. Reminder that the old will is now invalid and should be destroyed.

How much detail to share:

For minor administrative updates: "I've updated my will to reflect my new address and some account changes—everything else remains the same."

For significant changes: "I've made some changes to my will to reflect current circumstances" with brief explanation if appropriate.

If removing someone as beneficiary: This requires careful, private conversation explaining your reasoning. It's one of the hardest conversations, but silence creates worse conflict.

Graham's son went through a difficult divorce. Graham updated his will to include a protective trust for his son's inheritance, preventing potential claims from the ex-wife. He told his son: "I've updated my will to add protections around your inheritance given your divorce circumstances. This is about protecting family assets for you and your children, not any judgment about your situation."

What to avoid:

Repeatedly changing your will based on who you're currently pleased or displeased with. This creates uncertainty and resentment—family members feel like they're constantly being evaluated.

Using will updates as punishment or leverage: "Behave or I'll remove you from my will." This is manipulative and often backfires, creating estrangement.

Announcing every minor change: If you update your will three times in two years for administrative tweaks, you don't need three family meetings. This creates exhausting pattern that makes family tune out.

Frequency balance:

Too often: Family feels jerked around, uncertain, unable to plan or emotionally process.

Too rarely: Your will becomes outdated, doesn't reflect current circumstances, and family is blindsided by changes after your death.

Aim for communication when something genuinely significant changes—not every administrative tweak, but not radio silence for decades either.

The goal is keeping family generally informed so your will's broad approach isn't a shock, while maintaining your right to make changes based on changing circumstances.

Frequently Asked Questions

Q: Should I tell my family about my will?

A: Yes, telling your family about your will is recommended to prevent disputes and confusion. Research shows that 29% of people with a will haven't told anyone where it's stored, and 51% don't know where their parents' wills are kept. Open communication helps manage expectations, explains reasoning behind decisions, and ensures your executor knows where to find your will when needed.

Q: When is the best time to discuss my will with my family?

A: The best time is during a regular family gathering rather than arranging a special meeting about death. Age UK recommends giving your family advance notice that you'd like to discuss your will during an upcoming event, which prepares them mentally and makes the conversation feel less morbid. Having a draft will or clear notes beforehand helps focus the discussion.

Q: What should I tell my family about my will?

A: Tell your family where your will is stored, who your executor is, and the general approach to your estate distribution. You don't need to disclose exact amounts or specific bequests, but explaining your reasoning and values helps prevent future disputes. Inform them about any trusts, guardianship provisions if you have children, and any specific funeral wishes included in your will or letter of wishes.

Q: How do I explain unequal inheritance to my children?

A: Explain your reasoning clearly and compassionately, focusing on your intentions rather than perceived worth. Common reasons include compensating for earlier financial support given to siblings, recognising different levels of care provided, or addressing specific needs. Consider writing a letter of wishes to provide detailed explanations that remain private. Address the conversation early to allow time for questions and emotional processing.

Q: Do I need to tell beneficiaries what they're inheriting?

A: You're not legally required to tell beneficiaries what they're inheriting before your death. However, general communication about your estate planning approach helps prevent shock and disappointment. Consider disclosing enough information to manage expectations without creating entitlement. For significant decisions that might cause conflict, explanation through a letter of wishes can help beneficiaries understand your reasoning after your death.

Q: What if my family disagrees with my will decisions?

A: Listen to their concerns but remember that it's your will and your decision. Explain your reasoning clearly, acknowledge their feelings, and maintain firm but compassionate boundaries. Family disagreement now is better than disputes after your death. Consider whether their concerns reveal practical issues you hadn't considered, but don't feel pressured to change decisions you've carefully thought through.

Q: Should I discuss my will with my executor before appointing them?

A: Yes, you must discuss the executor role with someone before naming them in your will. They need to consent to the role and understand the responsibilities involved. Tell them where your will is stored, provide context about your estate complexity, and ensure they're willing and able to handle the task. This conversation is essential and should happen before you finalise your will.

Conclusion

Key takeaways:

  • Tell at least your executor and one trusted family member where your will is stored, including exact solicitor details or National Will Register reference
  • Choose your timing carefully by discussing during regular family gatherings with advance notice rather than dramatic announcements
  • Share your general principles and approach without necessarily disclosing exact amounts or detailed breakdowns
  • Use a letter of wishes to provide written context for difficult decisions that explains your reasoning after you're gone
  • Expect some discomfort and maintain firm boundaries, understanding that brief conflict now prevents lasting disputes after death

Having difficult conversations about your will requires courage, but it's one of the most valuable gifts you can give your family. By communicating openly now—even when it's uncomfortable—you prevent confusion, reduce the likelihood of disputes, and ensure your wishes are understood and respected.

Your family may not love every decision, but they'll appreciate your honesty and the opportunity to understand your thinking while you're here to explain it.

Need Help with Your Will?

Understanding how to communicate about your will with family is easier when you have a clear, comprehensive will to discuss. Having a professionally structured document gives you confidence to have these conversations and helps family understand your planning is thoughtful and considered.

Create your will with confidence using WUHLD's guided platform. For just £99.99, you'll get your complete will (legally binding when properly executed and witnessed) plus three expert guides. Preview your will free before paying anything—no credit card required.

Legal Disclaimer: This article provides general information only and does not constitute legal or financial advice. WUHLD is not a law firm and does not provide legal advice. Laws and guidance change and their application depends on your circumstances. For advice about your situation, consult a qualified solicitor or regulated professional. Unless stated otherwise, information relates to England and Wales.

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