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Why Your Clients Need a Will: A Guide for IFAs

· 26 min

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

James, a 42-year-old IFA in Manchester, had helped his client Sarah structure a £850,000 pension portfolio, nominate her unmarried partner as beneficiary, and arrange life insurance to cover her mortgage. When Sarah died suddenly in 2024, James assumed her careful financial planning would protect her partner.

It didn't.

Because Sarah never made a will, UK intestacy rules overrode every nomination. Her entire estate—including her £320,000 flat—went to her estranged parents. Her partner of 11 years inherited nothing. All of James's advice, all of Sarah's pension planning, became meaningless in the face of intestacy law.

This scenario isn't hypothetical—it's happening across the UK. According to 2024 research, 56% of UK adults don't have a will. Meanwhile, 75% of IFAs report improved client satisfaction when discussing estate planning, and 67% gain more referrals. Yet as few as 1 in 10 British clients are prompted by their financial adviser to make a will.

This guide shows you why estate planning must be central to holistic financial advice, how Consumer Duty requires it, and how to integrate will conversations into your practice—protecting clients and strengthening your business.

Table of Contents

The Regulatory Case: FCA Consumer Duty and Holistic Advice

FCA Consumer Duty isn't just a compliance checkbox—it's reshaping what holistic financial advice means in 2025.

Under Principle 12, firms must "act to deliver good outcomes for retail customers" and take a holistic approach. The FCA states explicitly: "A product or service that does not meet any of the needs of the customer it is sold to, causes foreseeable harm, or frustrates their objectives, is unlikely to offer fair value."

Here's the critical question: if you help a client build a £500,000 pension portfolio but never discuss how that pension will be distributed if they die without a will, have you delivered a good outcome?

The answer, increasingly, is no.

The FCA conducted major reviews on bereavement in 2024-2025, examining how life insurers and retail banks support bereaved customers. The regulator found significant gaps in bereavement support and has made estate planning a priority. The FCA's work on bereavement and power of attorney continues to emphasize that firms must consider the full customer journey—including death.

Consider this practical application: you advise a client to maximize pension contributions and nominate their unmarried partner as beneficiary. But pension nominations are expressions of wish, not legally binding instructions. Without a will, intestacy rules determine who inherits the rest of the estate, regardless of pension nominations or your careful planning.

That's foreseeable harm. That's what Consumer Duty requires you to address.

The regulatory landscape has shifted. Estate planning is no longer a solicitor's exclusive domain—it's an essential component of delivering good client outcomes. IFAs who ignore this face regulatory risk, reputational damage, and the professional knowledge that their advice failed when clients needed it most.

The Shocking Statistics: How Many of Your Clients Are Exposed

The numbers are stark—and they should concern every IFA.

56% of UK adults aged 18 and over do not have a will. That's not just young adults procrastinating. The data reveals a systemic problem across all demographics:

53% of adults aged 50-64 and 22% of those aged 65 and over lack wills. These are your core clients—people with substantial assets, complex family structures, and comprehensive financial plans. Yet more than half of your pre-retirement clients have no legal mechanism to distribute their estates.

The problem intensifies with younger demographics. Research from the Association of Lifetime Lawyers shows 75% of people in their thirties are currently intestate, with 65% of those in their forties lacking wills. These are your next-generation clients, many with young children who desperately need guardianship arrangements.

What does this mean for your practice?

If you have 100 clients, statistically 56 have no will. Every pension nomination you've completed, every investment strategy you've structured, every tax-efficient arrangement you've implemented—all of it sits on a legal foundation that doesn't exist.

The stakes are enormous. An estimated £5.5 trillion will be passed down in the UK over the next 25-30 years, but only 26% of families have a full wealth transfer strategy in place. That's a £4 trillion gap where families lack proper estate planning.

Your clients aren't being irresponsible. They're overwhelmed, uncertain, and—crucially—waiting for someone they trust to help them navigate this. That someone should be you.

When Financial Planning Fails: How Intestacy Undermines Your Advice

Intestacy rules are rigid, outdated, and completely indifferent to your carefully constructed financial plans.

Under current UK intestacy law, when someone dies without a will, the surviving spouse receives the first £322,000 plus personal belongings and half of the remaining estate. Children inherit the other half of any remainder. If there's no spouse, the estate passes to children, then parents, then siblings—following a strict hierarchy.

Sound straightforward? Here's where it destroys your financial planning work.

Unmarried partners inherit nothing under intestacy rules, regardless of relationship length. There is no common law marriage in the UK. You can nominate your unmarried partner as your pension beneficiary, name them on life insurance policies, and hold property jointly—but if you die intestate, intestacy rules override everything except assets held as joint tenants.

Pension nominations are expressions of wish, not legally binding instructions. Pension scheme trustees can override them if they believe it's in beneficiaries' best interests. Without a will providing clear direction, trustees may distribute pension benefits to blood relatives rather than unmarried partners, especially if family members contest the nomination.

Life insurance proceeds paid to an estate (rather than written in trust) are distributed according to intestacy rules, not policy nominations. Business shares pass to blood relatives, not business partners or key employees you've carefully positioned for succession. Investment portfolios you've structured for specific beneficiaries get split according to intestacy's fixed percentages.

Inheritance tax planning becomes almost worthless without a will. You can't use spouse exemption effectively, can't structure gifts to grandchildren, can't establish trusts, and can't make charitable bequests. The inheritance tax nil-rate band is £325,000, with an additional £175,000 residence nil-rate band available when a main residence passes to direct descendants. But these allowances are frozen until 2029-30, meaning more estates will face IHT—and without wills, you can't implement the planning to minimize it.

Consider blended families. Your client remarries after divorce and wants to provide for their new spouse while ensuring children from the first marriage inherit fairly. Intestacy doesn't care about those intentions. The new spouse gets £322,000 plus half the remainder; children split what's left. If your client intended a different split—perhaps 50% to spouse, 50% to children—intestacy thwarts that plan entirely.

Every financial strategy you implement assumes your client's estate will be distributed according to their wishes. Intestacy replaces those wishes with rigid statutory rules. Your advice didn't fail—the legal structure did. But your client's family won't distinguish between the two.

The Business Case: Client Retention, Referrals, and Value-Add Services

Estate planning isn't just regulatory compliance or client protection—it's one of the most effective business development strategies available to IFAs.

The data is compelling. 75% of IFAs believe providing advice on wills and other legal estate planning would improve client satisfaction. Over half of IFAs find estate planning makes it easier to retain customers. 67% receive more client referrals when providing estate planning guidance.

These aren't marginal improvements. They're step-changes in client relationships and practice growth.

Why does estate planning have this impact?

First, it demonstrates holistic advice in the most tangible way possible. Clients perceive IFAs who discuss estate planning as genuinely comprehensive advisors, not just investment managers. That perception justifies premium fees and builds deep trust.

Second, estate planning creates intergenerational opportunities. When you help clients structure their wills, you naturally begin conversations with their adult children about inheritance, wealth management, and their own financial planning. You're building a multi-decade client pipeline.

Third, it differentiates your practice in a crowded market. Research shows as few as 1 in 10 British clients are prompted by their financial adviser to make a will. If you're the IFA who proactively addresses estate planning, you stand out from 90% of your competitors.

Fourth, estate planning discussions uncover additional planning needs. Clients who engage with wills often realize they need updated beneficiary nominations, business succession planning, lifetime gifting strategies, or trust structures. Each conversation opens new advice opportunities.

The ROI extends beyond direct client work. Clients who feel their IFA has protected their family's future become powerful advocates. They refer friends, colleagues, and family members. They stay with your practice through market downturns because the relationship transcends investment performance.

Consider the alternative: an IFA who never discusses wills. When that client dies intestate and their financial plan collapses, the surviving family blames everyone involved—including the financial advisor who "should have mentioned this." That's not just a lost client; it's reputational damage that spreads through networks and communities.

Estate planning is profitable because it's valuable. Clients will pay for comprehensive advice that protects their families. The question isn't whether estate planning benefits your practice—it's why you haven't integrated it already.

5 Client Scenarios Where Lack of a Will Destroys Financial Plans

Abstract consequences don't motivate clients. Specific scenarios do. Here are five situations you're likely encountering in your practice right now.

Scenario 1: The Unmarried Couple (Emma and David)

Emma, 38, and David, 41, have been unmarried partners for 9 years. They own a £420,000 property as tenants in common, each holding a 50% share. Emma has a £180,000 pension with David nominated as beneficiary, a £45,000 ISA, and £30,000 in savings.

When Emma dies suddenly without a will, her £210,000 property share doesn't pass to David—it goes to her parents under intestacy rules. Her ISA and savings also pass to her parents. David receives the pension death benefits because trustees honor the nomination, but he's left homeless.

Emma's parents aren't obligated to sell David the property share at a fair price. He either buys them out (finding £210,000 while grieving) or loses the home they shared for nearly a decade.

The lesson: pension nominations don't cover estate assets. Unmarried partners need wills to protect each other.

Scenario 2: The Blended Family (Richard)

Richard, 55, is divorced with two children aged 19 and 21. He's remarried to Claire, who has no children. Richard's estate is worth £650,000: a £400,000 property and £250,000 in investments and pensions.

Richard dies without a will. Under intestacy, Claire receives £322,000 plus half of the remaining £328,000 (£164,000), totaling £486,000. His children split the remaining £164,000, receiving £82,000 each.

Richard intended a 50/50 split: £325,000 to Claire (enough to keep the house and maintain her lifestyle) and £325,000 split between his children (supporting them into adulthood). Instead, Claire gets 75% and his children get 12.5% each.

The family is divided. The children resent Claire. Claire feels guilty but legally entitled. Richard's intention to provide fairly for everyone is completely undermined.

The lesson: intestacy doesn't reflect blended family intentions. Complex family structures require wills.

Scenario 3: The Business Owner (Priya)

Priya, 47, owns 60% of a £1.2 million consulting firm with a business partner holding 40%. Priya and her business partner have a shareholders' agreement, but Priya never made a will.

When Priya dies suddenly, her 60% shareholding (worth £720,000) passes under intestacy to her sister, who knows nothing about the business and has no interest in running it.

Priya's business partner is now forced to work with an uninvolved shareholder or negotiate a buyout at the worst possible time—immediately after losing his business partner and while the company is destabilized. The shareholders' agreement offers some protection, but without a will structuring business succession, it's a nightmare.

The lesson: business succession requires will integration. Shareholders' agreements alone aren't enough.

Scenario 4: The IHT Planning Failure (Michael and Susan)

Michael, 68, and Susan, 66, have a £900,000 estate: a £425,000 property and £475,000 in investments. You structured their investments for IHT efficiency, using their individual allowances and planning for the residence nil-rate band.

Michael dies without a will. The estate passes to Susan under intestacy, which seems fine. But because there's no will, the administration is complicated. More critically, when Susan dies, the estate faces a £40,000+ IHT bill because the proper nil-rate band transfers weren't documented clearly and opportunities for lifetime gifting and trust arrangements were missed.

Your careful tax planning required proper will documentation to work effectively. Without it, the family pays tens of thousands in unnecessary tax.

The lesson: IHT planning is worthless without wills documenting the structure.

Scenario 5: The Young Professional (Tom)

Tom, 34, is single with no children. His estate is worth £280,000: a £220,000 flat and £60,000 in savings and investments. Tom assumed his estate would go to his younger brother, who he's close to and who helped him buy the flat.

Tom dies suddenly. With no will, his estate passes under intestacy—not to his brother, but to his parents, who Tom was estranged from for years. His brother, who Tom considered his closest family, receives nothing.

Tom's brother can't even claim under the Inheritance (Provision for Family and Dependants) Act 1975 because siblings have no automatic right to provision. The relationship Tom valued most is ignored entirely by intestacy law.

The lesson: intestacy doesn't reflect chosen family or modern relationships. Even young, single clients need wills.

Your Role vs. Solicitors: Where IFAs Add Value in Estate Planning

The most common concern IFAs raise about estate planning is simple: "Am I allowed to discuss this?"

Yes—with clear boundaries.

IFAs should educate clients about intestacy risks, explain how lack of a will undermines financial planning, and refer clients to appropriate will services. You're not providing legal advice—you're ensuring your financial advice can actually work.

Here's what IFAs should do in estate planning:

Include will status in client fact-finding. Ask when they last reviewed their will, whether it aligns with their current financial plan, and whether major life events have occurred since drafting. Document this in your client file for compliance purposes.

Explain how intestacy impacts financial planning. Use scenarios like those above. Show clients how pension nominations, life insurance proceeds, and investment portfolios can be overridden by intestacy rules. Make the abstract concrete.

Review clients' existing wills for alignment with financial plans—without giving legal advice. If a client's will leaves everything to a spouse but you've structured investments for tax-efficient transfers to children, flag the misalignment and suggest they consult their solicitor.

Refer clients to appropriate will services. For straightforward estates, recommend cost-effective online services like WUHLD. For complex situations—trusts, business property relief, expected disputes—refer to qualified solicitors.

Facilitate conversations between clients, solicitors, and family members. You're often the trusted advisor who can encourage difficult discussions. Use that position to ensure estate planning gets done.

Here's what IFAs cannot do:

Draft wills. This is reserved legal activity under the Legal Services Act 2007. You're not authorized to write will clauses, suggest specific legal structures without solicitor input, or interpret existing wills.

Give legal advice on will validity or interpretation. If a client asks "Is my will still valid after divorce?" the answer is "You need to consult a solicitor." You can explain the importance of reviewing wills after major life events, but not opine on legal effect.

Act as executors without disclosing conflicts of interest. If you're managing a client's investments and they want to appoint you as executor, ensure they understand the potential conflicts and consider independent executors or co-executors.

The complexity threshold is critical for referrals:

Recommend WUHLD or similar online services for straightforward estates: married couples with simple asset distribution, standard guardianship for minor children, estates under the IHT threshold with no complex planning needs.

Refer to solicitors for complex estates: trusts beyond basic will trusts, business property relief or agricultural property relief, overseas assets, expected disputes or contentious families, estates over £1 million requiring sophisticated IHT planning, clients who prefer face-to-face legal advice.

Your role isn't to replace solicitors—it's to ensure estate planning happens. Most IFAs don't discuss wills because they fear overstepping professional boundaries. The result? Clients suffer when intestacy destroys carefully built financial plans.

The answer isn't avoiding estate planning—it's understanding your boundaries and building referral partnerships that serve client interests.

How to Integrate Estate Planning Into Client Reviews

Estate planning feels overwhelming to integrate because most IFAs don't have a process. Here's your implementation roadmap.

Update your fact-find templates immediately. Add a dedicated "Estate Planning" section with these fields:

  • Will status: Yes/No, date created, date last reviewed
  • Solicitor or service used for will
  • Executors named
  • Guardian arrangements for minor children
  • Trusts or complex structures
  • Pension nominations and beneficiaries
  • Life insurance trust arrangements

This takes 30 seconds per client meeting but creates a compliance record and flags gaps in planning.

Trigger estate planning conversations at key life events. Don't wait for clients to raise the topic—integrate it into existing touchpoints:

Marriage or civil partnership: "Congratulations! Have you updated your wills to reflect your new marriage? UK law automatically revokes wills on marriage unless specifically drafted in contemplation of that marriage."

Birth of children: "You'll want to appoint legal guardians and consider how inheritance will be structured if something happens to both of you before they turn 18."

Property purchase: "Now that you own property together, we should discuss how you're holding title—joint tenants or tenants in common—and ensure your wills reflect your intentions."

Divorce or remarriage: "Divorce revokes provisions benefiting your ex-spouse, but it doesn't create a new will. Let's discuss updating your estate plan."

Business startup or sale: "Business succession planning requires will integration. Have you structured who inherits your shares?"

Inheritance received: "Receiving an inheritance is a good time to review your own will and consider lifetime gifting strategies."

Schedule dedicated estate planning reviews every 2-3 years. Don't try to cover estate planning in every annual review—clients experience fatigue. Instead, create a distinct touchpoint:

  • 30-minute focused conversation on estate planning alone
  • Review existing will against current financial plan and family structure
  • Discuss any life changes since last review
  • Confirm executors are still appropriate and willing
  • Update beneficiary nominations across all products

Document this review in your CRM and client file. It's compliance evidence and demonstrates holistic advice.

Use scenario planning to create urgency. Clients procrastinate on wills because death feels distant. Make it immediate with specific questions:

"If you died today, what happens to your pension? Let's walk through the distribution under intestacy rules."

"Who would inherit your property if you both died in an accident? Would that align with what you want for your children?"

"Your business is worth £800,000. Under intestacy, your shares pass to your spouse, not your business partner. How would that affect the business?"

Show intestacy flowcharts. Walk through their specific asset distribution under current law. The exercise is often shocking—and motivating.

Document all referrals and follow up. When you refer a client to a will service or solicitor:

  • Log the referral in your CRM with date and service provider
  • Follow up 3 months later: "Did you complete your will with WUHLD/your solicitor?"
  • Request a copy of the will summary (not the full will) to verify alignment with your financial plan
  • Note in client file for FCA compliance records

This isn't micromanagement—it's ensuring your advice can work. A referral without follow-up is worthless if the client never acts.

Build your referral partnerships proactively. Identify 2-3 local solicitors specializing in wills and probate. Arrange initial meetings to discuss mutual referral opportunities. Clarify fee structures, turnaround times, and areas of expertise. Request that solicitors provide estate planning seminars for your clients—it adds value and generates quality referrals both ways.

For straightforward estates, partner with WUHLD. The service costs £99.99, takes 15 minutes online, produces legally binding wills, and includes guides for testators and witnesses. No commission structure means you can refer ethically without conflicts of interest.

Create a simple process clients can follow: "For your situation, I recommend WUHLD because your estate is straightforward and it's cost-effective at £99.99 versus £650+ for a solicitor. Here's the link. Let me know once you've completed it so we can ensure it aligns with your financial plan."

Estate planning integration doesn't require reinventing your practice. It requires adding structured touchpoints, asking better questions, and following through on referrals.

Building Referral Partnerships: WUHLD and Solicitor Networks

The best IFAs build a two-tier referral strategy: cost-effective online services for straightforward estates, and trusted solicitor relationships for complex work.

Why WUHLD for straightforward estates:

Cost is often the primary barrier to will creation. At £99.99, WUHLD removes that barrier for clients with straightforward needs. Compare this to £650+ for solicitor-drafted wills—many younger clients or those with smaller estates simply won't pay that amount, even though they desperately need wills.

WUHLD is fast. Clients complete their wills online in 15 minutes, not weeks of solicitor appointments. For time-poor professionals, this convenience drives completion.

The service is professionally credible. WUHLD produces legally binding wills compliant with the Wills Act 1837. Clients receive a complete will, a 12-page Testator Guide, a Witness Guide, and a Complete Asset Inventory document. They can preview their entire will free before paying anything—no credit card required.

Critically, WUHLD has no commission or referral fee structure. You're recommending it purely because it serves your client's interests, not because you're earning income from the referral. This ethical approach aligns with FCA Consumer Duty principles and protects you from conflicts of interest.

When to refer to solicitors instead:

Trusts beyond basic will trusts: discretionary trusts, life interest trusts, trusts for disabled beneficiaries.

Business property relief or agricultural property relief: complex IHT structures requiring specialist knowledge.

Expected estate disputes or contentious families: situations where will validity may be challenged.

Complex international assets: property or investments held overseas requiring cross-border estate planning.

Estates over £1 million: sophisticated IHT planning often justifies solicitor fees.

Clients who prefer face-to-face legal advice: some clients value the personal interaction and reassurance solicitors provide.

Building your solicitor referral network:

Identify 2-3 local solicitors specializing in wills and probate. Look for practitioners who understand financial planning and can work collaboratively with IFAs.

Arrange initial meetings to discuss mutual referral opportunities. Explain your practice focus, client demographics, and estate planning integration goals. Ask about their process, fees, turnaround times, and areas of expertise.

Request that solicitors provide estate planning seminars for your clients. This positions you as a value-add IFA who brings expert education to clients, generates goodwill, and creates natural opportunities for complex estate referrals.

Establish mutual referrals. Solicitors often work with clients who need comprehensive financial planning. Position yourself as their go-to IFA for investment management, pension planning, and IHT advice. Quality referrals flow both directions.

Client communication matters:

For straightforward estates: "I recommend WUHLD for your situation. Your estate is straightforward—married couple, standard beneficiaries, under the IHT threshold. WUHLD costs £99.99 and you can preview your will free before paying. It takes about 15 minutes online. I've referred several clients there and they've found it excellent."

For complex estates: "Your situation requires specialist legal advice because of the business succession planning and trust structures we've discussed. I work with [Solicitor Name] at [Firm], who specializes in complex estates. I've referred multiple clients to them and they're excellent. I'll introduce you by email and can coordinate with them on the financial planning aspects."

Provide written referrals with contact details and a clear explanation of why this route is appropriate. Document the rationale in your client file.

Compliance and documentation:

Disclose any referral relationships, even though WUHLD has no commission structure. FCA Consumer Duty requires transparency.

Document your rationale for each referral in the client file. Why WUHLD versus solicitor? What client circumstances drove the recommendation?

Follow up to ensure clients complete their wills. A referral is worthless if the client never acts. Check 3 months after referral: "Did you complete your will? Can I help with any questions?"

Request confirmation that wills are executed and stored properly. You don't need a copy of the full will—a summary confirming alignment with your financial plan is sufficient.

Your referral strategy should serve one goal: ensuring every client has a valid will that allows your financial planning to work. WUHLD provides the cost-effective option that removes barriers for straightforward estates. Solicitors provide the expertise for complex situations. Together, they form a comprehensive referral network that protects clients and strengthens your practice.

Frequently Asked Questions

Q: Should IFAs recommend wills to clients?

A: Yes. Under FCA Consumer Duty requirements, IFAs must take a holistic approach to client outcomes. With 56% of UK adults lacking a will, failing to discuss estate planning leaves clients exposed to intestacy risks, inheritance tax inefficiencies, and conflicts with their financial plans. Three-quarters of IFAs report improved client satisfaction when providing will advice.

Q: How does estate planning improve IFA client retention?

A: Estate planning significantly boosts client retention. Research shows 75% of IFAs report improved client satisfaction when discussing wills, over 50% find it easier to retain customers, and 67% receive more client referrals. Estate planning deepens trust and demonstrates holistic advice, creating long-term client relationships that extend across generations.

Q: What are the FCA Consumer Duty requirements for estate planning advice?

A: FCA Consumer Duty requires firms to deliver good outcomes for retail customers and take a holistic approach. This means IFAs must consider how lack of a will impacts their financial plans. The FCA conducted major reviews on bereavement in 2024-2025, emphasizing the importance of estate planning in comprehensive financial advice and support for customers in vulnerable circumstances.

Q: Can IFAs directly provide will writing services?

A: No. IFAs are not authorized to draft wills—this is reserved for solicitors and specialist will writers under the Legal Services Act 2007. However, IFAs should educate clients on will importance, explain how intestacy undermines financial planning, and refer clients to reputable will services like WUHLD (£99.99 for legally binding online wills) or solicitors for complex estates.

Q: What happens to clients' financial plans if they die without a will?

A: Without a will, UK intestacy rules override your client's financial planning. Unmarried partners inherit nothing regardless of pension nominations or joint investments. Business assets may pass to unintended beneficiaries. Inheritance tax planning becomes ineffective. The entire financial plan you created can unravel, exposing your client's family to financial hardship and potential claims against the estate.

Q: How can IFAs integrate estate planning into client reviews?

A: Integrate estate planning by adding will status to client fact-find templates, scheduling estate planning reviews every 2-3 years or after major life events (marriage, children, property purchase, divorce), discussing how intestacy impacts pension nominations and trust structures, and building referral partnerships with will services. This demonstrates holistic advice and strengthens client relationships while ensuring regulatory compliance.

Q: What are the risks for IFAs who ignore estate planning?

A: IFAs who ignore estate planning face regulatory risk under Consumer Duty (failing to deliver good client outcomes), reputational damage when clients' estates fail due to intestacy, lost referral opportunities (67% of IFAs gain referrals through estate planning), and client churn (estate planning improves retention by 50%+). Comprehensive advice requires addressing will planning—it's no longer optional under current FCA expectations.

Conclusion

Estate planning is not optional for IFAs—it's a regulatory requirement, a client protection imperative, and a business growth opportunity.

Key takeaways:

  • FCA Consumer Duty requires holistic advice that addresses intestacy risks and their impact on financial planning outcomes
  • 56% of UK adults lack wills, meaning the majority of your clients' carefully constructed financial plans are at risk of complete failure
  • Estate planning improves client satisfaction by 75%, retention by over 50%, and referrals by 67%—it's good for clients and profitable for your practice
  • IFAs should educate clients on intestacy, integrate will status into fact-finds, and refer to appropriate services: WUHLD for straightforward estates, solicitors for complex situations
  • Build a two-tier referral strategy using cost-effective online services like WUHLD (£99.99) and trusted solicitor relationships for complex work

Every financial plan you create is built on an assumption: that your client's wishes will be honored when they die. But without a will, that assumption is false.

You've done the hard work—pension planning, investment strategy, tax efficiency. Don't let intestacy rules undo it all. Start the estate planning conversation today.

Recommend WUHLD to your clients with straightforward estates. For £99.99 (vs £650+ for a solicitor), they'll get a complete, legally binding will online in just 15 minutes, plus a Testator Guide, Witness Guide, and Asset Inventory. They can preview their entire will free before paying anything—no credit card required.

Explore WUHLD for Your Clients

For complex estates requiring trusts, business succession planning, or sophisticated IHT structures, always refer to a qualified solicitor. WUHLD is designed for straightforward UK estates and should be recommended accordingly.

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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