Gaynor Polirer 01932 844702  Email: Gaynor

Welcome to my website. My name is Gaynor Polirer, I am a fully qualified Estate Planning Consultant and a member of The Society of Will Writers. 

A Non-Profit Making Self-Regulatory Organisation Whose Primary Objectives Are The Advancement, Education and Ethical Standards Within The Will Writing Profession.   

The menu list to the left will give you brief details of the services I can arrange for you and my contact details. If you have the time you may prefer to scroll down this page for more detailed information.

As a businesswoman and mother myself I know how difficult and stressful it can sometimes be when dealing with important issues like writing a will or making plans for the future. We often put off doing these things until another day. Unfortunately that day sometimes arrives when we least expect it !

Why not take a few moments now to contact me to arrange a convenient time to discuss how I can help you plan for the future. I will be pleased to visit you in your home at a time convenient to you. Weekend and evening appointments are available if required. I can also visit clients in hospital if necessary. This is a free no obligation meeting during which I will discuss with you your concerns in confidence and explain the options available.

You will be made fully aware of all costs before making a final decision. Prices are extremely competitive and I pride myself on offering a first class service.

Although you should normally allow 3-4 weeks for your Will to be prepared once you have given your instructions, an express service is available if required.

If you die without having made a Will your relatives will be left to sort out the resulting confusion at a time when they are least likely to have the emotional resources and energy to do so. The distribution of your estate will be determined by the Intestacy Rules not your wishes and there may be considerable financial hardship for your family caused by the inevitable delay in releasing your assets. It makes sense to make a Will, before its too late, so - for affordable peace of mind, please click to leave your contact details.

I work with Legal Services UK Ltd who are Estate Planning and Will writing specialists.

We provide a full range of legal services including:   Wills/Protective Property Will/Living  Wills/Advance Directive/Power of Attorney/Inheritance Tax Planning Will/Children’s / Grandchildren’s Trusts/Disabled Person’s Trust/Pre Paid Funeral Plan/Document Storage/Probate / Executry  Services

 We are proud of the fact that we are the only company of our kind to have been awarded 'Investors in People' status. 

We uphold the highest standards in customer service and business ethics.

To date we have assisted thousands of clients who wished to protect their Estate/Inheritance in order that it can be effectively passed onto their surviving spouse, children and loved ones.

Like thousands of other clients in the UK, why not make use of our ‘Home Will Writing & Estate Planning Service’. 

My objective is to ensure that as my client you have the information and the opportunity to make a correctly drafted Will that:

•  Reflects your own personal wishes for dispersal of your estate
•  Protects your estate from the Tax man
•  Protects your family home from sale
•  Allows specific gifts to be given
•  Provides provision for unmarried couples and step children
•  Allows the appointment of guardians
•  Allows the creation of trusts

This website will tell you a little more of the services I can arrange for you and you can then contact me with any queries you may have. Thank you for visiting my website. I hope we get the opportunity to talk soon. Gaynor

Single or Mirror Wills: A Will is an expression of individuals’ wishes and allows people to state how they wish their estate to be distributed after death. However, a Will in itself does not protect assets but makes allowance for the formation of Trusts which can then be used to protect the family’s assets.

To die without a Will is to die Intestate.

A Will is one of the most important documents that a person ever prepares. A correctly drafted Will can help avoid/mitigate Inheritance Tax, protect your property from Long-Term care costs.

Ask for more details.

Advance Directives (Living Wills): Should you ever end up on a life support machine and in the opinion of two independent medical consultants, you are unlikely to recover, this document expresses your wish that the life support machine should be switched off.

A Living Will is recognised by the British Medical Association.

A great benefit of having a Living Will in place is that your loved ones know your wishes and are not left to make what can be a very difficult decision for them without knowing your feelings. 

Ask for more details.

Enduring Powers of Attorney: Allows you to choose someone you trust to handle your affairs should you ever become incapacitated through illness or accident.

Who will manage your affairs should you become incapable due to a stroke, dementia, Alzheimer’s? Who will sign cheques, documents, withdraw money from your account to pay the bills? Unless you have a Power of Attorney in place you may end up with your partner going to court for permission to handle your affairs. All of these problems can be resolved through putting a Power of Attorney in place. 

Ask for more details.

Protective Property Wills: As reported in The Independent, 31st Jan 2006, over 200 homes are taken by councils every day to recover long term care costs. Protect your home from long term care fees. 

Setting up a Protective Property Will allows clients to protect their property from the Community Care Act of 1990.

Last year, 70,000 homes (200 every day) were taken by Councils throughout the UK to recover Long Term Care costs.

Should a person having total assets in excess of around £20,000 go into care, that person is liable for their care costs. Having exhausted any money available, the Council would then look to recover its costs by selling the home. 

Ask for more details.

Severance of Tenancy: Most couples own their home as 'Joint Tenants'. This means that if one joint owner dies the survivor would own the total value outright irrespective of what might be written in a Will. This means that the whole value would be means tested.

The alternative is a 'Tenancy in Common'. This means that each party owns a share of the property and can deal with it as they wish. If one partner needed residential care, only their share of the property would be taken into account, therefore, preserving the share of the other partner.  The difference with this arrangement is that your children would be guaranteed to inherit at least some of the value of your home. 

Ask for more details.

Deed of Gifts: An official document that is used to give someone ownership of a property as a present

Inheritance Tax ( I.H.T.) Saving Wills: Rising house prices are pushing many people into the inheritance tax bracket. This could mean paying a huge 40% tax. 

Putting Inheritance Tax Saving Wills in place allows married couples and those who have entered into a Registered Civil Partnership to effectively double the “nil rate band” allowance. This means that the surviving partner can still get access to the deceased partners estate whilst not increasing their own estate value for I.H.T. purposes. Civil Partnerships can also double the “nil rate band” currently set at £300,000 as it allows them to utilise both person’s “nil rate band” allowance.

In the tax year 2007/2008 a total of £600,000 of assets can be left as an inheritance without any tax being due. 

Ask for more details.

Discretionary Trusts: A Discretionary Trust enables assets to be given away without actually giving to any individual.

They have been a feature of UK Trust Law for very many years, and much of the aristocratic wealth in the UK is held in such Trusts.

This is not really for tax reasons but to enable Estates to be protected from spendthrift beneficiaries.

The assets are held by Trustees who have discretion to give the assets or the income from the assets to any one of a class of people named in the Trust Document.

These people are called the beneficiaries and the class described in the Settlement Deed is normally very wide - often expressed as the descendants of grandparents, but a spouse cannot be included while the donor is alive. It is in order to have a widow as a beneficiary.

The Trustees have complete discretion on how the assets and the income is to be dealt with amongst the named class of beneficiaries.

It is, therefore, important to choose the Trustees with care, although it is perfectly in order for the donor, i.e. the person putting the assets into the Trust, to be one of the Trustees.  

Ask for more details.

Children/Grand Children's Trusts: Allows your nominated trustees to take care of your children’s or grandchildren’s needs until they have reached maturity! You can decide at which age they inherit, although when they become aged 25 they can legally access any funds available.

Trustees have access to the Trust Funds and apply them to assist the beneficiaries, for example; to pay for education costs, a car, a deposit for their first property etc, etc. In other words, to do what the parents would have done, had they still been alive. 

Ask for more details.

Disabled Person’s Trust: This is similar to a children's trust in that it allows Trustees to attend to the needs and handle matters on account of a disabled person.

Any Statutory Disability Benefits due to the person concerned are not affected by any monies held within the trust for the disabled person. 

Ask for more details.

Pre Paid Funeral Plans: Funeral costs continue to rise every year. Don’t leave your spouse or family with a problem. Save future expenses by prepaying your own funeral with the only national funeral planning company that is approved by the Society of Will Writers.

Helps you leave less worries for your loved ones, both financially and morally.

The Plan GUARANTEES that the services of the funeral director will be provided as specified and there will never be more to pay for those services. The Funeral Plan fixes the price at today’s cost. 

Ask for more details.

Probate Services: Probate / Executry Services
Estate administration can be an extremely daunting task for someone who has recently lost a loved one.

Dealing with the Courts, the Banks and the Inland Revenue is time consuming and emotionally draining.

Our Probate / Executry company, ESS can take care of everything on your behalf. From ingathering the Estate to finalising tax matters, we have the experience required. 

Ask for more details.

Document Storage: Gives you “peace of mind” knowing their most important documents are safe. A lost Will is the same as dying Intestate. Why take the risk of the documents being lost or destroyed? Imagine trying to prove the contents of a lost will especially when any copies could be easily disputed.

Clients and their executors receive document I.D. cards and FREE Will updates every five years.

It is advisable for clients, particularly in cases where there is trust work to be carried out on first death, that they store their documents with us. We can then advise the surviving spouse as to the best way forward and arrange to have put in place whatever trusts are required. 

Ask for more details.

For free no-obligation advice about Wills, Estate Planning or associated legal matters please contact me:

Contact: Gaynor Polirer

Enquiry form:  Click here.

Thank you for visiting my website, I hope we get the opportunity to meet soon............Gaynor

You were visitor number:

Website created and maintained by Jeff Predeth

Contact:  jeff_predeth@btopenworld.com