Virgo Wills and Estate Planning Limited

22/10/2026

Comment “WILL” below to get your FREE 15-minute consultation

21/10/2026

Excellent, Professional and Hassle-Free ServiceWe had an excellent experience with Nilesh Rathod in arranging our Wills and Lasting Powers of Attorney (LPA). We were very impressed by the depth of knowledge and clarity he demonstrated during his information session.Nilesh handled the process very professionally and efficiently. He patiently answered all our questions, explained the available options clearly, and made the entire process smooth and hassle-free.We highly recommend Nilesh to anyone looking for a professional, knowledgeable and reliable estate planning service!

17/10/2026

14/10/2026

Virgo Wills & Estate Planning provided a professional service with a real consideration to understanding specific customer needs.Key points:Attention to detailKnowledge & expertise it their fieldClear communication & simplified information for customers to understand.Genuine connectionNo pressure approachI would definitely recommend their services for estate planning.

09/09/2026

Nilesh helped arrange my mother’s Will over three years ago. As she was due to travel, he completed the Will within 24 hours while maintaining a high level of accuracy and professionalism.Recently, I contacted Nilesh with a query regarding the Will. Even after three years, he responded promptly, remembered our circumstances and clearly addressed my concerns.I have been extremely pleased with his reliable and professional service. I would highly recommend Nilesh to anyone seeking assistance with Wills, Trusts or Lasting Powers of Attorney.Qabil Shah

27/08/2026

With an estate of approximately £3 million, the potential Inheritance Tax exposure could be substantial.

A simple Will may distribute the estate successfully, but assets inherited outright would normally become part of the children’s personal estates.
That could expose the inheritance to another Inheritance Tax charge when the children later pass it to the grandchildren. It may also leave the assets exposed to divorce, creditors, bankruptcy or care costs.

The discussion therefore covered:
• Trust-based Wills with separate family trusts for each child.
• Lifetime gifting and the seven-year rule.
• The difference between gifting directly and gifting through a trust.
• Properly documented trust loans.
• Life insurance to provide liquidity for an Inheritance Tax bill.
• Property, pension, Capital Gains Tax and Stamp Duty considerations.

Trust planning does not automatically eliminate tax, and creating several trusts does not automatically create several separate £325,000 allowances. Every recommendation must be based on the ownership of the assets, previous gifts, family circumstances and the legislation applying at the time.

My view is simple: complex family wealth should not be planned around one product or one tax calculation. The Will, lifetime gifts, trusts, pensions, insurance and future family risks must all work together.

If your family owns property, investments, pensions or business assets, arrange a complete estate planning review before transferring anything.

Virgo Wills and Estate Planning Limited

Helping families protect wealth across generations.
Please book a discovery call on the link below
https://www.virgowills.co.uk/contact-us/

We’re here to help you plan with confidence, compassion, and clarity.Whether you have a question, need more information, or are ready to begin your estate planning journey, please get in touch — we’d be happy to speak with you.

19/08/2026

Excellent service from Virgo Wills and Estate Planning Limited. The whole process was clear, professional, and easy to understand. I really appreciated the patience and attention to detail throughout. Everything was explained properly, and I felt confident with the advice I received. Highly recommended for anyone looking for reliable and professional will and estate planning services.

15/08/2026

As our tricolour rises with pride, let us honour the courage, sacrifice and vision that shaped our great nation.

May we continue to build an India united by hope, opportunity and respect for all.

Happy Independence Day! 🇮🇳

11/08/2026

**💭 "𝗜 𝗱𝗼𝗻'𝘁 𝘁𝗿𝘂𝘀𝘁 𝗺𝘆 𝗰𝗵𝗶𝗹𝗱𝗿𝗲𝗻 𝘄𝗶𝘁𝗵 £𝟭 𝗺𝗶𝗹𝗹𝗶𝗼𝗻... 𝗯𝘂𝘁 𝗜 𝘄𝗮𝗻𝘁 𝘁𝗵𝗲𝗺 𝘁𝗼 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝗳𝗿𝗼𝗺 𝗶𝘁."**

That was one of the most honest conversations I've had with a client recently.

A widowed mother with an estate worth around **£2 million** sat down with me to discuss her future planning.

She wasn't worried about leaving money to her two sons.

She was worried about **how** they would receive it.

Her concerns were very real:

✅ "What if they spend it too quickly?"

✅ "What if they get divorced?"

✅ "What if creditors come after them?"

✅ "What if they make poor financial decisions?"

Like many parents, she loved her children unconditionally, but she also recognised they still needed guidance.

This is where a **Trust-Based Will** can make a huge difference.

Instead of handing over a large inheritance in one payment, a trust allows you to:

✔ Protect the inheritance from divorce and relationship breakdown.

✔ Protect assets from creditors and financial difficulties.

✔ Ensure money is released gradually and responsibly.

✔ Allow trustees to help beneficiaries make sensible financial decisions.

✔ Preserve wealth for future generations, including grandchildren.

We also discussed another important issue that surprises many families.

As a single parent, she assumed her children could automatically make decisions if she became seriously ill.

Unfortunately, that isn't the case.

Without a **Lasting Power of Attorney (LPA)**:

• Your family cannot automatically access your finances.

• They cannot deal with banks or investments.

• They may not be able to make important healthcare decisions.

Instead, they may need to apply to the Court of Protection, which can be expensive, stressful and time-consuming.

Even more surprising...

Her adult sons also need LPAs.

Many parents don't realise that once children turn 18, they no longer have legal authority to act on their behalf if they lose mental capacity.

Estate planning isn't just about writing a Will.

It's about protecting your family from unnecessary stress, delays, legal complications and financial loss.

The right documents don't just pass on wealth.

They protect the people you love.

**If your estate has grown over the years, it may be worth asking yourself one simple question:**

*"If something happened to me tomorrow, would my family inherit my assets in the way I truly intended?"*

Sometimes, the answer isn't as straightforward as people think.

📞 If you'd like to understand the options available for your own family, I'd be happy to have a confidential conversation.

**Nilesh Rathod**
Director
**Virgo Wills & Estate Planning Limited**

20/07/2026

Case Study: A Conversation That Could Save a Family Hundreds of Thousands of Pounds

This week I met a lovely couple in their early forties who believed they had everything organised.

They owned a family home, had a successful career, built a pension worth around £1 million, had life cover through work, personal insurance and were expecting to inherit assets in the future. Like many families, they assumed that everything would automatically pass to the surviving spouse and then to their daughter.

On the surface, that sounds perfectly sensible.

However, when we added together their property, pensions, insurance and other assets, their family's total wealth was likely to exceed £2 million.

That changed the conversation completely.

We explored what could happen if one spouse died and the survivor later remarried. What if there was a divorce? What if both parents passed away unexpectedly? Could their daughter's future inheritance be at risk? Would part of their family's wealth end up outside the bloodline?

These are not comfortable conversations, but they are necessary ones.

We also discussed inheritance tax. Many people think inheritance tax only applies to very wealthy families. In reality, successful professionals with pensions, property and life insurance can easily find themselves exposed without realising it.

The solution was not simply writing a Will.

It was creating an estate plan.

We discussed Trust Based Mirror Wills to protect their daughter, Lasting Powers of Attorney to ensure someone they trust could make decisions if they ever lost capacity, and Pension Death Benefit Trusts to help reduce the future inheritance tax burden.

With the right planning, the family could potentially save hundreds of thousands of pounds in future inheritance tax while ensuring their wealth remained protected for future generations.

The most rewarding part of the meeting was seeing the couple move from uncertainty to understanding. They realised estate planning is not about preparing for death. It is about protecting the people you love and making life easier for them when they need it most.

Every family's circumstances are different. There is no one size fits all solution. However, one thing is certain.

The earlier you start planning, the more options you have.

If you have a property, children, pensions, life insurance or growing wealth, ask yourself one simple question.

If something happened to me tomorrow, would my family receive my assets in the way I intended?

If you are not completely sure, it may be time to have a conversation.

Protect your family. Protect your legacy.