Later Life Planning Consultancy Limited

27/08/2026

Why have a will, it's the only way you can name guardians....
DM or call 07791 807311

27/08/2026

https://www.citizensadvice.org.uk/family/death-and-wills/who-can-inherit-if-there-is-no-will-the-rules-of-intestacy/ #! %20There%20Are%20No%20Surviving%20relatives #:~:text=The%20following%20people

Information on who can and cannot inherit if someone dies without making a will. Covers married couples, civil partners, children and other relatives.

27/08/2026

What is intestacy in Scotland?
In Scotland, a person is said to have died intestate if they die without leaving a valid will, or if the will they left is not legally valid or does not deal with their whole estate. When this happens, their money, property and possessions are not divided according to personal wishes. Instead, they are distributed according to the statutory rules of intestacy, mainly found in the Succession (Scotland) Act 1964 and updated by more recent legislation. Intestacy laws are designed to provide a default pattern of inheritance that feels “broadly fair” in common family situations, but they:
do not take account of your personal relationships
do not reflect modern blended and stepfamilies very well
may give rights to people you wouldn’t choose to benefit
can make things slower, more stressful and more expensive to sort out
Having a valid will lets you decide who benefits and who is in charge. Relying on intestacy leaves these decisions to the law instead of you.
DM me or call on 07791 807311

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26/08/2026

Most people put off estate planning because it feels complicated, morbid, or like something for “later.” I built Later Life Planning (Consultancy) Limited to change that.
I work directly with individuals and families across Scotland on Wills, Lasting Powers of Attorney, and Discretionary Trusts — cutting through the jargon and getting people a plan that actually protects the people they care about, without the run-around.
As a sole trader, every client deals with me directly. No handoffs, no call centres, no upselling products you don’t need. Just clear advice, done properly, at a pace that respects your time.
If you’ve been meaning to sort your will or put an LPA in place and just haven’t got round to it — that’s exactly who I help.
Get in touch to talk it through.
DM me or call me on 07791 807311

25/08/2026

Looking to do some reciprocal business with Mortgage Advisers and Financial Advisers, drop me a DM and we can explore

23/08/2026

https://www.msn.com/en-gb/money/personalfinance/why-you-need-power-of-attorney-no-matter-how-old-you-are/ar-AA1IRaiK?ocid=socialshare

One of the best ways to prepare for a time when you can’t run your finances yourself is setting up a lasting power of attorney (LPA). This legal document allows you to nominate someone you trust to manage your affairs on your behalf. While it may be associated with older people, there’s nothing ...

19/08/2026

What rights do couples have?
Common-law marriage may be recognised in some countries, but it is “a myth in the UK”.

Cohabiting couples do not have many rights around finances, property or children, which can be an issue if a relationship breaks down or a partner passes away.

If an unmarried couple splits up, there are no automatic rights to each other’s property, assets or income, apart from property that is jointly owned and child maintenance.

What happens to property?
Unlike a married couple, a cohabiting partner has no rights to claim a percentage of their partner’s assets or property, regardless of how long they have lived together or if they have children together. Unless it is a joint ownership.
Contact Derek on 07791 807311

18/08/2026

Thinking about writing a will? You’re not alone — and honestly, it’s one of the most important things you can do for the people you care about.
When considering putting a will in place, here’s what to expect:
✅ Clarity about your wishes – A will ensures your money, property, and possessions go exactly where you want them to.
✅ Peace of mind – You’re making things far easier for your loved ones during what will already be a difficult time.
✅ Guardianship decisions – If you have children, your will allows you to formally appoint guardians.
✅ Inheritance planning – You can consider how to protect assets, minimise disputes, and even plan efficiently for inheritance tax.
✅ Professional guidance – The right advice ensures your will is valid, up to date, and tailored to your circumstances.
Many people delay writing a will because they assume it’s complicated, expensive, or something to “get around to later.” The reality? It’s simpler and more accessible than you think.
At Later Life Planning (Consultancy) Limited, we offer a free consultation will writing service, making it easier than ever to take that first step. No pressure, no jargon — just clear, supportive guidance to help you protect what matters most.
If it’s been on your to-do list for a while, this is your sign to get it sorted ✔️
[email protected]

15/08/2026

Many couples in Scotland now choose to live together without getting married, but the legal rights of unmarried couples are often misunderstood. For most people, the biggest surprise is that cohabiting does come with some protection in law, but it is far from the same as being a married couple or in a civil partnership. This article is worth reading if you are living with your partner, thinking about moving in together, or separating, and want a clear, human explanation of where you actually stand and how we can help you protect yourself in a calm, practical way.
Key points to remember
Cohabitation in Scotland is recognised in law, but cohabitation rights are narrower than rights as married couples or civil partners, and there is no automatic “common law marriage”.
A cohabitation agreement or separation agreement can give clear rules about financial provision, property rights and what happens if the relationship breaks down.
A surviving cohabitant may have a right to claim after a partner dies, but this is not automatic, and strict time limits apply from the date of death.
Issues such as occupancy rights, rights to stay in the home and inheritance rights are often more fragile for unmarried couples in Scotland than people expect.
Later Life Planning (Consultancy) Limited can help you understand your legal rights and responsibilities, seek legal advice at an early stage, and apply to the court where necessary to protect your position.