29 Oct 2026
Budget 2026: pensions and inheritance tax from April 2027
The Budget confirmed unused pensions count for inheritance tax from April 2027. What it means for your estate and executors.
Protect the people you love with a professionally drafted, legally binding will. Our experienced will writers make sure your wishes are followed and your estate passes on exactly as you intend.
A clear, legally valid will tailored to your circumstances, setting out exactly who inherits your estate and who you trust to carry out your wishes.
Matching wills for couples and partners, giving you both the same peace of mind while keeping your individual wishes fully protected.
Add a trust to your will to protect your property and savings from divorce or unintended inheritance, keeping your wealth in the family.
Life changes, so should your will. We review and update existing wills to reflect new relationships, property, or family circumstances.
Without a will, the intestacy rules determine who inherits your estate, and they do not distinguish between a long-term partner and a distant relative. They cannot reflect your wishes about specific belongings, charitable gifts or family circumstances. They cannot appoint a guardian for your children. And if your estate is at all complex, they can lead to disputes that damage family relationships for years.
A will gives you control. It says exactly who gets what, names the people you trust to carry out your wishes, and protects your loved ones at the most difficult time of their lives.
Dying without a will is called dying intestate. Section 46 of the Administration of Estates Act 1925 then decides who inherits your estate in England and Wales not you, and not necessarily the people you'd choose.
Your spouse receives the first £322,000 plus all personal chattels, and half of whatever remains. Your children share the other half between them.
Your partner receives nothing under intestacy rules, regardless of how long you've been together or how entangled your finances are.
With no spouse, children, or traceable next of kin, your entire estate passes to the Crown.
Any inheritance due to your children is held in trust until they turn 18. You cannot set a later age, however you feel about their readiness.
Friends, charities close to you, and stepchildren who were never formally adopted receive nothing. The rules recognise blood and marriage only.
Honest guidance, careful planning, and a service that treats every family like our own.
Our team brings together over 50 years of combined experience in wills and estate planning, so your plans are shaped by real expertise.
Founded and still run by the same family, we understand what’s at stake because we’ve planned for our own loved ones too.
You’ll deal with the same familiar face throughout, not a call centre, so everything stays personal, clear and built around you.
Every Will is carefully prepared to recognised professional standards, with clear guidance at every step.
Speak to a PJH adviser about your will, lasting power of attorney or inheritance tax planning. Your first consultation is free.
Thinking about making or updating your Will? Here are answers to the questions we're asked most often. From what happens without a Will to naming guardians for your children and keeping your Will up to date.
See all Wills FAQsWithout a valid Will, your estate is shared out under the intestacy rules rather than according to your wishes. This can mean an unmarried partner, stepchildren or close friends receive nothing, and sorting out your estate can take longer and cause added stress for your family.
Not always. If you're not married or in a civil partnership, your partner has no automatic right to inherit, however long you've lived together. If you are married and have children, your spouse receives a set amount and part of the remainder, with the rest passing to your children. A Will makes sure your partner is provided for exactly as you intend.
Yes. A Will is the only way to formally appoint guardians for children under 18. Without one, the decision may be left to the courts. You can also set out how money should be held for your children until they reach an age you choose.
Yes. You are welcome to visit us at our offices, and we also offer home visits across all of our service areas at no extra charge, so you can discuss your Will in comfort. We also offer video consultations.
We typically turn around a draft Will within 7–10 working days of your consultation, depending on complexity. Once you're happy with it, we'll guide you through signing and witnessing so it's legally valid.
29 Oct 2026
The Budget confirmed unused pensions count for inheritance tax from April 2027. What it means for your estate and executors.
29 Oct 2026
How debts taken on by trustees now count for inheritance tax, and whether your family trust is affected.
29 Oct 2026
The two-year rule has gone and tax on large lump sums is simpler. What it means after a death.
29 Oct 2026
Who qualifies for the Pension Tax Allowance, how much it is worth, and easier pension access for terminal illness.
29 Oct 2026
Tax relief for estates repaid after the NS&I tracing error, and a new rule for trustees moving to the UK.
29 Oct 2026
Higher tax on savings and rental income, a surcharge on homes over £2m and changes for business owners.
29 Oct 2026
The allowances, rates and gift rules for 2026/27 and 2027/28, and why frozen allowances still matter.
08 Oct 2026
Who is affected by the new cap on 100% relief, how the 50% rate works and what to do now.
08 Oct 2026
This year's allowances, the key dates up to April 2027 and what to check in your will, LPAs and pensions.
07 Oct 2026
What a simple will does, its limitations, and when a trust may give your family more protection.
07 Oct 2026
Who would look after your children, who has parental responsibility and how to choose a guardian.
07 Oct 2026
Why estate planning is about people, not paperwork, and how we help families plan for real life.
07 Oct 2026
Why Business Relief rarely applies to landlords, how the tax can be paid and how to plan ahead.
07 Oct 2026
What happens when an estate can't pay every gift in a will, and how to plan your legacies well.
29 Sep 2026
Follow Mark and Lisa's story to see how the wrong will can disinherit children, and how to avoid it.
Protect your family with a Will & LPA — see what it costs
This is a rough outline based on your selections. Final pricing is confirmed after a short consultation with our team.
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