• Rachael Panteney

Think you don't need a will?

You may be right BUT only if the following applies to you;

  • You are single (properly single, not just "not married"

  • You don't have children

  • You have more in debt that you do in assets

  • You don't care that you are leaving a headache for someone else to sort out

If you are in a relationship, if you have children, you have assets (money, property or belongings with any value like a car) then you need a Will.

A will is a legal document that dictates the distribution of assets when you die. If you die without a will, the law of intestacy applies.

If you are married, it’s important for you to put in writing that your spouse gets your assets upon death.

Traditionally, they would likely inherit without a will, but you shouldn’t leave that up to chance. And If you want anyone other than your spouse to receive any of your assets, make sure to include that in your will.

If you are in a relationship, you definitely need a will. No matter how long you've been together, lived together or if you have kids together, without a will your partner will not receive a penny.

If you have children, a Will can name an executor of your estate and a guardians of your children. The executor is responsible for distributing your assets, and the guardian is responsible for raising your children. Who you name is critically important to how your children inherit and how they are raised.

You may need to change your will over time. For example, if you have two children, create a will, then years later have another child, you will need to update your will to include your third child.

Rachael Panteney

Financial Adviser

Willow Tree Financial Services

01323 436680


Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

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