Make it your New Year’s Resolution to get a Will

It is that time of year when the well-intentioned New Year's resolutions are starting to already slip – exercising more, eating healthily, creating a work life balance to name but a few. One important thing that everyone should do however is get their personal affairs in place, especially with regards to making a Will.

Putting your wishes in black and white is not complicated, nor expensive. Making a Will allows you to express your final wishes clearly, and without one you are leaving it up to the law to decide how your estate (your money, possessions and property) is passed on – and this may not be the way you wanted it. While death, and our treatment until death, can be a difficult topic to think about, it is important to consider making your wishes known now in the event that you cannot make them later.

Some areas to consider:

  • Have your circumstances changed recently? Married? Divorced? Kids? Re-married? Make sure your Will is updated when your circumstances do change. If you want a specific family member or friend to take care of your children but that person is not your next of kin, then you need to ensure you designate that person specifically in your will.
  • Children – if you have children under 16 you should decide who looks after them and ensure there are funds to help.
  • Owner of a small business – without an executor, and if you are a sole director, your business could collapse.
  • Non-traditional family? Unmarried couples or not in a civil partnership? In the eyes of the law, a couple who are living together don't have the same automatic rights as a married couple when it comes to sorting out a deceased person's estate.
  • Property – make sure you know what happens to your house.
  • Inheritance Tax – a Will can also help reduce the amount of Inheritance Tax that may be payable on the value of the property and money you leave behind.
  • Funeral plans – detail what you want so family members don't have to make these decisions in difficult circumstances.
  • If you die before you take your pension pot, make sure you have nominated someone to collect it for you. If not, it may be up to the pension trustees to determine who gets the money.


In addition to a Will, it is very important to also have a Power of Attorney (POA) in place. A POA is an important legal document which allows you to grant the people you trust ‘power ‘ to make important decisions for you if you are unable to do so yourself in the future in the event of an illness or accident that leaves you without capacity to make these decisions at the time. Incapacity can happen to any of us, at any time, unexpectedly through illness (such as dementia) or an accident.

Get in touch with McDougall McQueen today to discuss your personal affairs. Don't leave it too late. 

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