"I have known David Henderson for seven years and during that time, he has had full control of my financial investment portfolio through retirement and the consequences of adjustment to widowhood. I have never had any cause to doubt his skilled advice and commitment. This has been delivered through a friendly and totally reliable relationship. I have regarded him as a trustworthy friend and in terms of the financial manoeuvres, his practical adjustments have (thus far in a volatile world!) all been safe and successful. He has been helpfully reassuring at times based on an extensive knowledge of theway the markets and global economy works I find this very educational. I have recommended his services to several friends all of whom have commented most favourably after his input totheir finances."
Probate Services
Probate is the process of administering your estate.
It is the responsibility of the Executors you appoint in your Will to administer your Estate from the moment you die; consequently, there is more to this role than many people realise, and there are some very important initial duties:
* Securing the assets. The executors become legally responsible for the assets of the Testator (the person who has made a the will or given a legacy) immediately, and may need to secure the property and belongings e.g. change the locks on the property, switch off utilities etc.
* They must ensure that the house and contents are insured – remember that if a property is empty it may void an existing insurance policy, unless the insurer has been notified and agreed any change to policy terms or premiums
* Legally, an Executor has a duty to arrange the funeral, but normally this also directly involves the family
* Assess the death estate’s assets & liabilities
* Arrange for the Grant of Probate, which gives legal authority to the executors to deal with the Estate
* Calculate whether there is an Inheritance Tax Liability, complete the relative forms, agree with HMRC and arrange to pay HMRC
* Call in assets owed
* Pay outstanding debts and liabilities
* Complete Estate Accounts
* Distribute the estate according to the Will.
Many family members are appointed as executors in Wills, with no idea of the responsibilities arising. It is sometimes the case that a family member does not know they are named as an executor until after the Testator has died. In such circumstances, Executors who do not feel able to complete the role can appoint us to deal with an estate’s administration, removing any burden when people are grieving.
What if there’s no will?
The next of kin can apply to take responsibility for sorting out the deceased’s estate if no Will has been left. In Scotland, this is known as ‘confirmation’, in Northern Ireland it is called a ‘grant of probabate’, and in England and Wales it is known as a ‘Grant of Representation’.
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We have the benefit of many years spent advising doctors and dentists and guiding them through financial planning for protecting the family, savings and investing for the future, retirement, and the complex tax issues that can arise. -
There are many different ‘tools’ that help you save for retirement, and the taxation and investment elements of each can appear baffling. We explain, recommend and monitor pension products for you, putting you in control of the choices that will achieve your goals. -
Our mission is to use our knowledge and skills to provide unbiased financial advice, so that you can face the future with increased confidence regarding your financial position today, and the financial security of your family in future. -
Every investment carries some element of risk, which is why we reflect risk management in the financial planning we provide for clients. We work with you so that you are financially well organised, aware of your current and likely future financial position, and therefore remain in control of the choices you make. -
Buying a property can be stressful and time consuming at the best of times, and for some borrowers finding and selecting the most suitable mortgage for them can be a contributory factor. Working with us means that you’ll benefit from informed advice from the outset, backed by up-to-date financial intelligence, and years of practical experience.
