MDW Solicitors: STEP Accredited Expert Probate Service Specialists 1 Expertise and Experience in Probate Matters At MDW Solicitors, we specialize in wills, probate, estate planning, trusts, driving offenses, police representation, and criminal law. Our seasoned legal professionals bring years of experience to the table, ensuring that your probate matters are handled with precision and care. 2 Navigating the Complex Probate Process Probate can be a daunting and intricate process. Dealing with someone’s estate after their passing involves legal intricacies, tax forms, and personal liabilities. Our experienced solicitors can guide you through every step, from applying for the grant of probate to completing the necessary paperwork. Let us handle the complexities while you focus on coping with the emotional aspects of loss. 3 Comprehensive Probate Services Our expertise extends beyond legal matters. We understand the financial aspects of probate as well. Here’s how we can assist you: Gathering Assets: We’ll efficiently gather in assets, ensuring nothing is overlooked. Liaising with Third Parties: We’ll communicate with relevant parties, streamlining the process. Drafting Estate Accounts: Our meticulous approach ensures accurate estate accounting. Interim Distributions: We’ll handle interim distributions to beneficiaries. Bankruptcy Searches: Protect against unexpected claims by conducting bankruptcy searches. Assisting with House Sales and Share Transfers: We’ll manage property sales and transfers. Completing Tax Forms: Leave the tax paperwork to us. Advertisement Placement: Safeguard against claims from unknown creditors. 4 Minimising Personal Liability and Risk Administering an estate without legal guidance can be risky. Do you know all the deceased’s assets? Are you aware of lifetime gifts and potential tax implications? Avoid personal liability for penalties and unpaid taxes by entrusting the process to our skilled solicitors. 5 Client Testimonials “Debra dealt with my matter extremely efficiently and professionally. She explained everything clearly to me and took all the worry out of the process. It was a quick and overall a very positive experience. I have already recommended her to friends and family due to fantastic value for money and brilliant customer service. Thank you so much.” — Miss H (Windsor) Contact Us for Expert Probate Service and Advice For expert advice on probate, reach out to us: Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299 466 At MDW Solicitors, we blend legal expertise with compassion. Let us be your trusted partner during this challenging time. Choose us for probate services that prioritise efficiency, sensitivity, and peace of mind.

When a loved one passes away without leaving a valid will, it can be a challenging and emotional time. In such cases, the legal process of distributing their estate follows specific rules known as intestacy rules. If you find yourself in this situation, MDW Solicitors can provide essential guidance and support. Here’s how we can assist: 1 Legal Guidance on Intestacy Rules Understanding Intestacy: MDW Solicitors will explain the intestacy rules that apply in your specific circumstances. These rules determine how the estate will be distributed among surviving family members. Rights and Entitlements: They will guide you on the rights and entitlements of different family members under the intestacy rules. 2 Estate Administration Identifying Assets and Liabilities: MDW Solicitors will assist in identifying the deceased’s assets (such as property, bank accounts, investments, etc.) and liabilities (debts, mortgages, etc.). Applying for Grant of Letters of Administration: If there is no will, MDW Solicitors can help you apply for a Grant of Letters of Administration. This legal document allows you to manage the estate. Distributing the Estate: They will ensure that the estate is distributed correctly according to the intestacy rules. This involves handling paperwork, paying debts, and distributing assets to beneficiaries. 3 Inheritance Tax (IHT) Considerations Calculating IHT: MDW Solicitors will assess the potential IHT liability based on the estate’s value. Intestacy may result in a higher IHT bill. Maximising Reliefs: They will explore available IHT reliefs and exemptions to minimise the tax burden. 4 Resolving Disputes Family Disputes: If disagreements arise among family members regarding inheritance, MDW Solicitors can mediate and provide legal solutions. Challenges to Intestacy: In some cases, beneficiaries may challenge the intestacy rules. MDW Solicitors can handle such challenges. Remember that having a valid will is crucial to ensure your wishes are honored. MDW Solicitors can guide you through the process and provide peace of mind during a difficult time. When a spouse passes away without leaving a will (dying intestate) and there are surviving children, the intestacy rules determine how the estate is distributed. Here’s a basic explanation: 1     If there is a surviving partner (spouse or civil partner): The partner inherits a share of the estate, including the first £322,000 and personal possessions. The remaining estate is divided among the children. 2     If there are no surviving children: The entire estate passes to the surviving partner. Remember, having a valid will ensures that your wishes are followed, so it’s essential to consider creating one. MDW Solicitors, along with information about their free consultation: Address: 1 Chalfont Park, Gerrards Cross, Buckinghamshire, SL9 0BG Email: debrawilliamson@mdwsolicitors.com Phone Numbers: 01753 299466 MDW Solicitors is a family-run practice specialising in wills, probate, powers of attorney, estate planning, trusts, driving offences, and criminal law. We offer professional legal services and provide as much time as needed to ensure clients understand everything related to their wills, probate, life time tax planning, lasting power of attorney, or criminal law cases. You can also request a free case evaluation with our experienced team of solicitors. Feel free to reach out to us for any legal assistance you may need!

Taking Control of Your Future: MDW Solicitors Can Help As we navigate life’s journey, planning for unforeseen circumstances becomes increasingly crucial. One essential tool that empowers you and your loved ones is the Lasting Power of Attorney (LPA). Specifically, the Health & Welfare LPA and the Property & Financial Affairs LPA play vital roles in securing your well-being and financial interests. 1 Health & Welfare LPA: Protecting Your Health and Care Decisions A Health & Welfare LPA allows you to appoint someone you trust (known as the Attorney) to make decisions on your behalf regarding: Medical Treatment: Your Attorney can advocate for your preferred medical treatments, ensuring your wishes are respected. Care Provision: From daily routines to life-sustaining treatment, your Attorney ensures your care aligns with your desires. Living Arrangements: Specify where you want to live, even if you’re unable to express it yourself. Why Should You Have a Health & Welfare LPA? 1 Maintain Control: Without an LPA, doctors and social workers may make decisions on your behalf. With an LPA, you choose who advocates for you. 2 Protect Your Best Interests: Your Attorney acts in your best interests, considering your wishes, beliefs, and consultations with others. 3 Avoid Family Conflict: Clearly stating your decision-maker in advance prevents disagreements among family members. 4 Save Time and Money: An LPA avoids costly court processes if you become mentally incapable. 2 Property & Financial Affairs LPA: Safeguarding Your Finances The Property & Financial Affairs LPA empowers your chosen Attorney to manage your financial matters, including: Bank Accounts: Handling transactions, paying bills, and managing assets. Property: Selling, renting, or maintaining property. Investments: Making informed financial decisions. MDW Solicitors: Your Trusted Partner At MDW Solicitors, we understand the importance of LPAs. Here’s why you should choose us: 1 Expertise: Our experienced solicitors specialise in wills, probate, and LPAs. 2 Personalised Service: We tailor our approach to your unique needs, explaining legal jargon and simplifying the process. 3 Efficiency: We ensure your LPA is created promptly, avoiding delays. 4 Affordability: Our reasonable pricing ensures accessibility for all. Client Testimonials Lesley B: “Your service and advice were excellent and very worthwhile. We definitely will be recommending you.” Christine K: “Debra was efficient and attentive, providing prompt responses during a difficult time.” Irene G: “MDW Solicitors is friendly, knowledgeable, and professional. Highly recommended.” Contact Us Secure your future today. Create an LPA with MDW Solicitors: Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299 466 Remember, it’s never too early to plan, but it can be too late. Let us help you take control and protect what matters most. Led by Debra Williamson who qualified as a lawyer in 1993 and is STEP accredited.

In today's world, planning for unforeseen circumstances has become increasingly important. Lasting Powers of Attorney (LPA) stand as a vital instrument in safeguarding your interests and decisions, particularly in the realms of health and welfare, as well as property and finance within the UK legal framework. An LPA is a legal document that allows an individual (the donor) to appoint trusted individuals (attorneys) to make critical decisions on their behalf should they become incapable of doing so themselves due to illness, injury, or other incapacitating conditions. Health and Welfare LPA: This aspect of the LPA pertains to decisions regarding an individual's healthcare, living arrangements, medical treatment, and overall welfare. It grants the appointed attorney(s) the authority to make choices about treatment options, living accommodations, and other crucial aspects of the donor's well-being. Property and Finance LPA: The property and finance LPA, on the other hand, empowers the appointed attorney(s) to manage financial affairs, handle property matters, pay bills, manage investments, or make decisions related to buying or selling assets. This is essential in ensuring that an individual's financial affairs are managed competently should they be unable to do so themselves. Recently, Martin Lewis, renowned for his financial expertise, shed light on the importance of LPAs during one of his shows. His emphasis on this topic underscores the critical nature of securing one's future interests. Lewis's advocacy for LPAs serves as a wake-up call for individuals to take proactive steps in protecting themselves and their assets. His comments echo the sentiment that LPAs are not solely reserved for the elderly; they are essential for anyone over the age of 18. Accidents or unexpected illnesses can affect anyone at any stage of life, making it crucial to have these arrangements in place. Lewis emphasizes that preparing an LPA is not about relinquishing control but rather about ensuring that trusted individuals can act in the best interests of the donor should the need arise. It's about empowering loved ones to act according to the donor's wishes. In conclusion, Lasting Powers of Attorney stand as a cornerstone of responsible future planning. They provide peace of mind and ensure that even in challenging times, your wishes are upheld and your affairs are managed according to your preferences. Following the advice of experts like Martin Lewis can serve as a catalyst for individuals to take the necessary steps in safeguarding their future through LPAs. If you're interested in finding out more, take a look at some of our other articles or watch The Martin Lewis Money Show on ITV. If you're looking to draft LPAs, please get in touch by calling 01753 299 466.

Expertise and Personalized Guidance At MDW Solicitors, we understand that probate can be a complex and emotional process. When it comes to probate, you need more than just legal expertise—you need a compassionate partner who understands the emotional challenges during this difficult time. Here’s why MDW Solicitors stands out: 1 Specialization in Probate and Estate Matters Our team specializes in probate, wills, and estate planning. Led by Debra Williamson, TEP (a highly experienced solicitor), we offer expertise tailored to your unique situation. 2 Compassionate Approach We recognize the sensitivity of probate proceedings. Our compassionate approach ensures that you receive personalized guidance throughout the process. 3 Efficient Handling We streamline the probate process, minimizing delays and ensuring efficient handling. Our goal is to make the experience as smooth as possible during a challenging time. 4 Legal Clarity Our solicitors provide clear explanations of legal terms and steps involved. You’ll have a comprehensive understanding of the probate process. 5 Fixed-Fee Approach Transparency matters to us. We offer a fixed-fee structure for probate services. No surprises—just straightforward pricing. Client Testimonial “Debra dealt with my matter extremely efficiently and professionally. She explained everything clearly to me and took all the worry out of the process. It was a quick and overall a very positive experience. I have already recommended her to friends and family due to fantastic value for money and brilliant customer service. Thank you so much.” — Miss H (Windsor) Contact MDW Solicitors Secure your family’s future with confidence. Schedule a consultation today: Address: 1 Chalfont Park, Gerrards Cross, SL9 0BG Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299466 Let us guide you through probate, ensuring your loved ones are protected

Understanding TEP and Its Importance When it comes to legal matters related to trusts, estates, and private client work, having a TEP (Trust and Estate Practitioner) by your side can make all the difference. Let’s explore why choosing a TEP qualified lawyer is a smart decision: 1 Expertise and Specialization A TEP is a professional who has undergone specialized training in trusts, estates, and related areas. They possess in-depth knowledge of inheritance, succession, and tax planning. 2 Global Network and Collaboration TEPs are part of a global network of over 21,000 advisors and professionals. This network allows them to share insights, expertise, and best practices across professional and geographic boundaries. 3 Tailored Solutions TEPs provide tailored solutions based on your specific needs. Whether it’s structuring wealth, estate planning, or dealing with complex legal matters, a TEP can guide you effectively. MDW Solicitors: Your Trusted TEP Qualified Lawyers At MDW Solicitors, we take pride in offering TEP qualified legal services. Here’s why you should choose us: 1 Debra Williamson, TEP Our founder, Debra Williamson, is a highly experienced solicitor who qualified in 1993. She specializes in advising clients on trusts, wills, probate, lifetime tax planning, and lasting powers of attorney. 2 Personalized Approach We understand that legal matters can be overwhelming. Our personalized approach ensures you receive the attention and time you deserve. Whether it’s drafting a will, handling probate, or planning for the future, we’re here for you. 3 Fixed-Fee Transparency We often deal with cases on a fixed-fee basis, so you know exactly what to expect from the outset. No surprises—just friendly, expert legal service. 4 Inspired by Family Values The inspiration behind MDW Solicitors was Debra Williamson’s late father, Maurice Douglas Williamson. His legacy drives our commitment to protecting families and securing their futures. Contact MDW Solicitors Ready to put your legal affairs in order? Contact us today: Address: 1 Chalfont Park, Gerrards Cross, SL9 0BG Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299466 Choose MDW Solicitors—a family-run firm led by Debra Williamson (TEP) to safeguard your interests.

1 What Is Probate? Probate grants the legal right to manage the deceased person’s estate. It involves accessing funds, sorting finances, and distributing assets. You should not make financial plans or put property on the market until you’ve obtained probate. 2 When Is Probate Needed? Check if probate is needed by contacting the financial organizations the deceased person used (e.g., their bank and mortgage company). You may not need probate if the person who died: Only had savings. Owned shares or money jointly with others. Owned land or property as ‘joint tenants’ with others. 3 Applying for Probate: Value the estate and estimate whether there’s Inheritance Tax to pay. Executors named in the will can apply if there’s one. If there’s no will, the closest living relative can apply. MDW Solicitors Can Help: At MDW Solicitors, we specialize in private client work, including probate, wills, and estate planning. Contact us for professional advice and assistance: Address: 1 Chalfont Park, Gerrards Cross, SL9 0BG Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299466 Let us guide you through the process!

Secure Your Family’s Future As a young couple embarking on the journey of parenthood, it’s essential to consider the future well-being of your family. One crucial step in this process is creating a Last Will and Testament. Here’s why: 1. Guardianship for Your Children A Will allows you to designate a guardian for your children in case both parents pass away. Without a Will, the court will decide who will care for your children, which may not align with your wishes. 2. Asset Distribution Your Will outlines how your assets (such as property, savings, and investments) should be distributed. By specifying your wishes, you ensure that your partner and children receive their rightful share. 3. Avoiding Intestacy Laws If you die without a Will (intestate), the law dictates how your estate is distributed. Having a Will ensures that your wishes prevail over generic legal rules. 4. Tax Efficiency Proper estate planning through a Will can minimize inheritance tax liabilities. Consult with our experienced solicitors to explore tax-saving strategies. 5. Peace of Mind Knowing that your family is protected and your wishes are documented provides peace of mind. A Will ensures clarity and reduces potential disputes among family members. MDW Solicitors: Your Trusted Advisors At MDW Solicitors, we specialize in private client work, including Wills, Probate, and Lasting Powers of Attorney. Led by Debra Williamson, TEP (a highly experienced solicitor), we offer professional legal services with a personal touch. Contact Us: Address: 1 Chalfont Park, Gerrards Cross, SL9 0BG Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299466 Let us help you secure your family’s future. Schedule a consultation today!

What Is a Power of Attorney? A power of attorney is a legal document that appoints someone (referred to as your ‘attorney’) to make decisions on your behalf. It becomes crucial when you’re no longer able to make or communicate your own decisions due to various reasons. Why Consider LPAs? Temporary Assistance: LPAs can be a temporary measure, especially if you’re going into the hospital and need help with everyday financial tasks like paying bills. Long-Term Planning: For long-term planning, LPAs are essential. For instance, if you’ve been diagnosed with dementia, planning ahead ensures that your wishes are respected even if you lose mental capacity in the future. Types of Lasting Powers of Attorney Property and Affairs LPA Allows the appointed person to make decisions related to your property and finances. Relevant for managing bills, investments, and property transactions. Health and Welfare LPA Empowers the appointed person to make decisions about your care and medical treatment. Crucial for ensuring your preferences are followed regarding health and well-being. Setting Up an LPA: Practical Steps 1 Choosing Your Attorney(s) You can appoint more than one attorney Consider someone you trust implicitly. 2 Complete the Necessary Forms Fill in the forms to officially appoint your chosen attorney(s) 3 Register the LPA Register the LPA with the Office of the Public Guardian (this process may take up to 20 weeks). The registration fee is £82 unless you qualify for a reduction or exemption. MDW Solicitors: Your Trusted Legal Advisors At MDW Solicitors, we specialize in private client work, including LPAs, wills, probate, trusts, and estate planning. Led by Debra Williamson, TEP (a highly experienced solicitor), we offer professional legal services with a personal touch. Our fixed-fee approach ensures transparency from the outset. Feel free to explore our website for more information or download our free legal guides on Wills, Probate, and Powers of Attorney. If you have any questions, don’t hesitate to reach out to us: Address: 1 Chalfont Park, Gerrards Cross, SL9 0BG Email: debrawilliamson@mdwsolicitors.com Phone: 01753 299466 Remember, planning ahead with LPAs provides peace of mind and protects your interests. Let us assist you in securing your future!

The heart-wrenching story of Carolyn Stephens and her father, Vincent, serves as a poignant reminder of the importance of organizing wills and Lasting Powers of Attorney (LPAs). In 2012, Carolyn bid farewell to her father, not knowing that it marked the beginning of a painful journey where she would be estranged from him for almost four years. Vincent's changing circumstances, influenced by a new relationship and health issues, emphasize the need for legal preparations that safeguard individuals and their families. Vincent's story took a drastic turn when he met Iris, a woman he befriended on a holiday in Cyprus. Carolyn's concerns grew as Vincent sold his house to be closer to Iris, and she suspected that their relationship was isolating him from his family and friends. Moreover, Vincent's health started deteriorating, with signs of potential dementia, raising alarms for Carolyn. Vincent's situation worsened when Iris gained power of attorney over his affairs. While granting power of attorney requires mental capacity and a lack of coercion, the system is susceptible to abuse. Dr. James Warner highlights the challenge of assessing mental capacity, and the potential for exploitation is evident when Iris complained to the police, leading to a severed relationship between Carolyn and her father. Carolyn's determined search for her father over several years underscores the difficulties faced by families in such situations. Iris's death led Carolyn to discover Vincent's whereabouts, hidden away in a care home. The lack of communication and information during this period highlights the need for legal provisions that empower families to stay connected and informed about their loved ones. Vincent's story emphasizes the need for better legal protections for vulnerable older individuals. Carolyn believes that had her father planned for the future, including an early diagnosis of dementia and a power of attorney in her favour, it would have been harder for him to be isolated. Concerns about potential vulnerabilities in the legal system, as seen in the new Powers of Attorney Act, further emphasize the necessity for robust legal frameworks that protect the elderly. The tragic tale of Vincent and Carolyn Stephens serves as a stark reminder of the fragility of family bonds, especially in the face of changing circumstances and potential exploitation. Organizing wills and LPAs can play a crucial role in preserving family relationships, ensuring that the wishes and well-being of individuals are protected. As society grapples with evolving legal frameworks, it becomes imperative to prioritize the rights and protections of vulnerable older individuals, allowing families to navigate challenges and stay connected through difficult times. To find out more on this story follow this link: https://www-bbc-co-uk.cdn.ampproject.org/c/s/www.bbc.co.uk/news/uk-67773394.amp If you require advice in relation to lasting powers of attorney or drafting a will, please do not hesitate to get in touch. Call us now on 01752 299 466 or email us directly at debrawilliamson@mdwsolicitors.com

I set up a lifetime trust and put a property in it. What happens if I want to sell the property? Lifetime tax planning is an excellent way to mitigate against inheritance tax. Many people set up trusts during their lifetime, and they are not just for the most affluent. When a Trust is set up, it is a lifetime chargeable transfer for Inheritance tax purposes, and there may be immediate Inheritance tax to pay. People think of Inheritance tax as a death tax, but it is not just paid on death. It is essential to get legal advice when setting up a Trust, as there are ways to ensure that no tax is paid upon setting up. For example, there may be an IHT charge on a Trust withdrawal and on the 10th anniversary. Again, legal advice should be sought. What happens if I put a property in Trust and then want to sell it? Capital Gains Tax is payable again. The gain is calculated by deducting the property's market value going into the trust from the proceeds of the sale. You can deduct any monies you used to enhance the property and any charges relating to the sale. The Trust would also have its’ annual exemption of £6150, which can be deducted from the gain. There may be other reliefs available depending on the circumstances, for example, PPR. Again, legal advice is crucial as without applying for the relevant reliefs, you could be producing a tax return which adds thousands of pounds to your tax bill. We recently advised a client how they could reduce their tax from around £35,000 to £12,000 by applying for the correct relief. If the Trust comes to an end and I now personally own the property, when I sell it, do I pay CGT? The answer is likely to be yes. You are likely to pay CGT on the difference between the sale proceeds and the market value when the trust ends, less any costs incurred. You will need legal advice as it depends on the individual circumstances as to how to advise. MDW Solicitors Ltd is headed by Debra Williamson, who has 29 years of qualification as a Lawyer. Debra has taken all her STEP exams and is STEP affiliated. MDW Solicitors is a specialist firm dealing in Trusts, tax, probate, wills, LPAs, motoring offences and private Crime. We can attend the police station to represent, but we do not do any legal aid work.

Are you dealing with empty nest syndrome? If your children are in full-time work or have moved into homes of their own, you may be feeling a new sense of independence. Many people choose to travel more in retirement, enjoying longer holidays without the constraints of work or school. As it says in our 5 crucial reasons why you need a Lasting Power of Attorney if you are over 55, creating an LPA can allow you to go off and enjoy travelling the world whilst your domestic affairs are kept in order. Whether it is the sunnier climate of Spain, the peacefulness of the French countryside or even further afield, you can relax knowing that someone is on hand to look after your money. Find out more about why it makes sense to appoint an Attorney sooner rather than later by calling me on 01753 299466 or emailing debrawilliamson@mdwsolicitors.com. P.S. When you create a Lasting Power of Attorney, it’s a good time to review your Will and ensure it is up to date. If you haven’t already made a Will, download ourFive reasons why everyone over 40 needs a Will to ensure you make the right preparations for your future. I’m happy to confirm I have been pleased with the service you have provided. I particularly like the location and style of your office, all designed to offer a relaxed atmosphere, yet retaining a professional touch. From the moment I first met you at the St Giles fair at your promotion event I liked your relaxed approach and I have not been disappointed. Mr J