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Where there's a will there's a way.

At Watson Ramsbottom we advise all our clients to make a will. Whether you are young or old, single, co-habiting, married, in business or an employee it is a must.

Once done - and regularly reviewed - enjoy piece of mind and the confidence of knowing that when you die your wishes will be followed and your estate distributed precisely as you would have wished. You will have done as much as possible to protect your legacy for your heirs.

Use our expert guidance and you will be surprised how straight-forward a task it can be. Our charges are modest and we pride ourselves on providing an efficient and personal service.

Should you be placing your trust in trusts?

The rise in property prices means that many people's estates will now be subject to Inheritance Tax.

If one's partner dies, the surviving partner inherits the estate. When they die the tax free allowance applies only to the first £312,000. Tax is levied at 40% on anything over that figure.

Yet as each individual has tax free allowance of 275,000 it makes sense to use both by, for example, creating a trust.

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