This Estate Planning Guide is designed to help you understand how to protect your loved ones, your assets, and your wishes — no matter your age or financial situation. Estate planning isn’t just about writing a Will; it’s about peace of mind and ensuring everything you’ve worked for is passed on exactly as you intend. Without a plan in place, your estate could face unnecessary delays, costs, or legal disputes.
At Viva Planning, we help families across the UK create clear, tailored estate plans that provide certainty and long-term security for those they love most.
Why Everyone Needs an Estate Planning Guide
Many people assume estate planning is something only wealthy individuals need, but that couldn’t be further from the truth. Whether you own a home, have savings, or simply want to ensure your family is cared for, a plan is essential.
A proper estate plan will:
Ensure your assets go to the right people
Provide financial protection for your family
Prevent disputes among relatives
Clarify who manages your affairs
Help your executors avoid costly legal hurdles
Without one, strict intestacy laws will decide who inherits your estate — not you. A carefully structured Estate Planning Guide can help you take back control and ensure your wishes are respected.
Key Elements of an Effective Estate Plan
1. A Legally Valid Will
Your Will is the foundation of your plan. It determines who inherits your assets, who manages your estate, and who looks after your children. Without it, your loved ones could face confusion and court delays. A valid Will must be written voluntarily, signed by two witnesses, and clearly reflect your wishes.
2. Lasting Powers of Attorney (LPAs)
LPAs allow you to appoint someone you trust to make decisions if you lose capacity.
Property & Financial Affairs LPA: Handles bills, property, and bank accounts.
Health & Welfare LPA: Covers care decisions and medical treatment.
LPAs are essential for every adult, not just the elderly. They ensure someone you trust can act quickly without needing to go through the Court of Protection.
3. Executors, Guardians, and Trustees
Choosing the right people to manage your estate, care for your children, and distribute assets is vital. Discuss these responsibilities with them beforehand to avoid future confusion or rejection of the role.
4. Trusts and Asset Protection
Trusts can help protect money or property for minors, provide ongoing financial support for vulnerable dependents, and ensure assets are managed responsibly. They’re a powerful tool for keeping your estate secure and distributed as you intend.
5. Digital and Personal Wishes
From online accounts to funeral preferences, estate planning isn’t just about money. Include digital assets and personal instructions to ensure nothing important is overlooked.
Avoiding Common Estate Planning Mistakes
Not having a Will
Failing to update documents after major life events
Choosing the wrong executor or trustee
Not setting up an LPA
Not discussing your intentions with family
Small oversights can lead to costly legal battles later. Regular reviews and professional guidance are key to avoiding these problems.
How Viva Planning Can Help
At Viva Planning, we make estate planning simple, affordable, and personal. Our experts can help you:
Write or update your Will
Create LPAs that protect your finances and wellbeing
Set up trusts for long-term security
Appoint suitable executors and guardians
Review your plan every few years
We’ll ensure your Estate Planning Guide reflects your current circumstances and future goals — so your loved ones are always protected.
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