The Financial Wing Estate Planning LTD. provides the following services which are not regulated by the Financial Conduct Authority

Estate Planning

Our goal is simple: to help you plan ahead with confidence and clarity.

We proudly support individuals and families from all professions and circumstances, with a particular expertise in helping airline professionals and their families.

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Our estate planning services are designed to give you confidence in your decisions today, and a clear, secure path for your loved ones tomorrow.

Will Writing

Trusts

Lasting Power of Attorneys

All of our estate planning services are delivered in partnership with the New Leaf Will Writers Federation, with Wills validated through a strict compliance process before being finalised.

Will Writing

Our team are specialists in what we do. We ensure your wishes are recorded clearly, are legally robust, and carried out exactly as intended. With integrity at our core, we operate on transparent, fair pricing. There are no hidden fees or future tie-ins for estate administration.

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Will is a legal document that lets you decide who will inherit your money, property, and possessions after you die. To make sure your wishes are followed, the wording in your Will needs to be clear and legally valid.

If you pass away without a Will in England or Wales, the law decides how your assets are shared. If you have no living relatives, everything you own could go to the Crown.

Executors are the people you choose in your Will to carry out your final wishes. They’ll handle tasks like notifying others of your passing, organising your funeral, paying debts and taxes, managing your estate, and distributing assets to your beneficiaries.

If you have children under 18, your Will can name a Guardian to care for them if no one else with parental responsibility is alive. This is one of the most important reasons for parents to create a Will.
You can also leave an inheritance to young children and decide the age at which they can access it—commonly 18, 21, or 25. Until then, Trustees (also named in your Will) manage their inheritance.

We can store your original Will in our secure storage facility for a small annual fee.

Yes. A person named in your Will to receive something (a beneficiary) can also be an Executor, as long as they’re over 18. The key question is whether they’re willing and able to take on the responsibility.

No. Beneficiaries, spouses or civil partners must not witness the signing of your Will. If they do, they may lose their inheritance.

Yes, you can. We have a partnership with a legal firm who offer a Professional Executor Service, ideal for those who prefer not to burden loved ones with legal responsibilities.
There’s no charge to name us in your Will. If they act as Executor(s) after your death, they charge a fee based on the value and complexity of your estate, agreed with your beneficiaries before we begin the work.

Make sure your Executors know where your Will is stored, consider giving them a copy in advance.
If we store your Will, your Executor should contact us after your death. We’ll retrieve the original, verify the Executor’s identity, and send the documentation via Royal Mail recorded delivery.

Yes, any Will can be challenged. The question is whether the challenge will succeed.

If your Will includes your close family and dependents, it’s less likely to be disputed. However, leaving someone out who might expect to benefit, or if there’s concern about your mental capacity or influence from others, a challenge is more likely.

To reduce the risk, consider discussing your Will with family members, especially if you’re excluding someone. You can also write a letter to your Executors explaining your decisions.
Commonly known as a Letter of Wishes. This letter can be stored with your Will as part of our service.

Trusts

There are a range of trusts available depending on your needs. We’ll guide you through your options and help identify the most appropriate route for protecting your assets and supporting your family.

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A trust is a legal arrangement where assets are held by trustees for the benefit of one or more beneficiaries. It can be created during your lifetime or in your Will.

Trusts can help protect assets, manage money for young or vulnerable beneficiaries, avoid probate delays, and give you the peace of mind that your half of your property goes to the people you want it to go to.
  • Discretionary Trusts – trustees decide how and when to distribute assets.
  • Life Interest Trusts – someone benefits during their lifetime, then assets pass to others.

Protective Property Trusts – allows your partner to live in the property but ensures your portion is passed to who you want it to go to.

  • Settlor: the person who creates the trust
  • Trustee(s): the person(s) managing the trust
  • Beneficiaries: those who benefit from the trust

Yes, you can be a trustee, but you must act in the best interests of the beneficiaries and according to the terms of the trust.

Yes, certain types of trusts are subject to their own tax rules. Professional advice is key to understanding and managing this.

Some trusts are flexible and can be changed; others are fixed. This depends on the type of trust and how it was set up.

Lasting Power of Attorneys

This legally binding document appoints people you trust to act on your behalf if the need arises. We’ll help you navigate the process clearly and carefully, ensuring it’s completed accurately and accepted first time.

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Yes. While it is no longer possible to create a new EPA after October 2007, any EPA made before that date is still valid.

A Lasting Power of Attorney is a legal document that allows you (the donor) to appoint trusted individuals (your attorneys) to make decisions on your behalf, particularly if you lose mental capacity in the future.

There are two types of LPA:

  • Property and Financial Affairs LPA – for managing your finances, property, and assets.
  • Health and Welfare LPA – for decisions about your personal care, medical treatment, and living arrangements.

Yes, you can. It’s important that they are individuals you trust completely to act in your best interests.

As soon as possible. Life is unpredictable, and having your LPA’s in place ensures that your affairs can be managed according to your wishes if something unexpected happens. Remember, the LPA doesn’t have to be used immediately but will be ready if ever needed.

  • Property & Financial Affairs LPA: It can be used once it has been registered with the Office of the Public Guardian (OPG), unless you specify otherwise.
  • Health & Welfare LPA: It can only be used once it is registered and you are deemed to have lost the capacity to make those decisions yourself.

The OPG is a government body responsible for protecting people who lack mental capacity. They maintain the registers of both EPA and LPA documents and ensure attorneys act in the donor’s best interests.

Not at all. The OPG only investigates if there are concerns about an attorney’s conduct. Their role is to safeguard vulnerable individuals.

Not necessarily, but it is highly recommended. Registering your LPA when it is created means it will be ready for use when needed. If you lose mental capacity before registration, your attorneys can still register it on your behalf but this can cause delays.

EPA rules differ slightly from those for LPAs. An EPA can be used without registration while you still have mental capacity, though financial institutions may vary in how they accept it. Once you begin to lose capacity, your attorneys must register the EPA in order to continue using it.

Yes, provided you still have mental capacity, you can revoke your LPA at any time.

No. An LPA or EPA is only valid during your lifetime. After death, responsibility passes to your executors or personal representatives.

If you lose mental capacity and haven’t made an LPA or EPA, someone will need to apply to the Court of Protection to be appointed as your Deputy. This process is often more time-consuming, costly, and the person appointed may not be someone you would have chosen.

No. As long as you have mental capacity, you retain full control of your finances. Your attorneys can only assist if you ask them to, for example, if you’re unwell or in hospital. You can resume full control whenever you’re able.

They can:

  • Manage your bank accounts and investments
  • Deal with utility bills and other payments
  • Continue running a business
  • Handle tax and benefits
  • Arrange and pay for any care you may need
  • Sell property, if necessary and in your best interests

Yes, if it is in your best interests and only if you lack the capacity to make that decision yourself. Attorneys must always act with your welfare as the top priority.

Health & Welfare LPA – Additional Questions

No, each LPA is a separate legal document. However, we strongly recommend having both to ensure all aspects of your future care and finances are covered.

Yes, you can choose the same individuals or different ones for each document. It’s entirely your decision.

They can decide:

  • Where and how you are cared for
  • What medical treatment you receive
  • Whether you move into a care home
  • Who provides your care
  • What happens if you become unconscious
  • Whether to consent to or refuse life-sustaining treatment (if you expressly allow this power)

Not legally. While medical professionals may consult your family, the final decision rests with your doctor unless a Health & Welfare LPA is in place. Having an LPA ensures your chosen attorneys have the legal authority to act according to your wishes.

We believe estate planning shouldn’t be overwhelming or wrapped in legal jargon. We guide you through each step to remove the complexity and replace it with clarity and peace of mind.

The Financial Wing Estate Planning LTD. provides the following services which are not regulated by the Financial Conduct Authority

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