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LMJ is a firm of independent financial advisers specialising in the management of investment portfolios and pensions. We have been helping clients navigate complex financial markets since 2001 and from those very early days, our business has evolved primarily through client recommendations. Read More

Estate Planning

Have you protected your assets?

There's no question that you have worked hard and spent a great deal of time, money and effort to secure the wealth you share with your family today.
It's therefore essential that you protect your wealth, in the event of your death, so that your wealth stays with your family and preserved for your loved ones.

What is Estate Planning?

Estate Planning is the act of making plans for the transfer of your estate after you die. Your estate includes the following assets:

  • Property
  • Cash
  • Cars
  • Land
  • Savings Account

Estate Planning should be used to achieve many objectives. You will need to ensure the maximum amount of your estate is transferred to your beneficiaries, whilst paying the least amount of tax.

More importantly, you also need to assign guardians for your children.
Estate Planning should be carried out when a person is legally able, someone who is over 18 and of sound mind.

What makes up an Estate Plan?

Estate planning is more complex than just writing a will. It is a continuous planning process designed to eliminate the financial impact of your death on those loved ones you leave behind. An Estate Plan needs to include:

A Will

Dying without a valid Will is known as intestacy. If you die 'Intestate' dealing with your estate is a complicated affair, and especially long, perhaps years until the estate is settled. The rules on who will receive your estate without a valid will are also different.

Using a Will writing service is easy and everyone who has assets should write one. Contact us now to speak to a Will writing expert.

Protecting Your Home

45,000 homes a year are sold to pay for long term care. The main asset you own is your home and you want to ensure your home is passed on to your loved ones, not used to pay for care costs.

A Probate Preservation Plus Trust Will does precisely what it says: It helps you to protect your property. A Trust is set up so each spouse or partner can determine where their share of any property is distributed on second death.

David Simmonds Financial Advisor IFA East Peckham

The Financial Conduct Authority does not regulate will writing, taxation and trust advice.

CONTACT

LMJ Financial Management Ltd

Upper South Hall
Bullen Farm Business Centre
Bullen Lane

East Peckham
Tonbridge
Kent, TN12 5LX

Tel: 01732 874111
Fax: 01732 874222
Email: lmj@lmjfs.co.uk

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LMJ Financial Management Ltd, Upper South Hall, Bullen Farm Business Centre, Bullen Lane, East Peckham, Tonbridge, Kent, TN12 5LX
Tel: 01732 874111 Fax: 01732 874222 Email: lmj@lmjfs.co.uk

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