Pre-seminar Workbook



	
	
		Pre-Seminar Workbook
		Leave Your Family a Bigger Slice
		A 15-minute warm-up so your seminar is two hours about your family — not generic advice.
		
			
			Section 1 of 9
		
	

	

		
		

		
		
			Before we begin
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			Section 1
			Your family snapshot
			Estate planning starts with people, not pounds.

			
				
					Your age
					
				
				
					Marital status
					
				
			

			
				Children & dependants — first names and ages
				
			

			
				Family complexity check — tick anything that applies
									
						
						Children from a previous relationship (yours or your partner’s)
					
									
						
						An unmarried partner you live with
					
									
						
						A child or grandchild who is vulnerable, disabled, or receives means-tested benefits
					
									
						
						A child going through, or likely to face, divorce or financial difficulty
					
									
						
						A family member you would want to disinherit, or limit
					
									
						
						A business, farm, or property held jointly with someone outside the immediate family
					
									
						
						Beneficiaries living outside the UK
					
									
						
						None of the above — a straightforward family picture
					
							

			
				
				
			
		

		
		
			Section 2
			Your estate snapshot
			Round figures are fine. We’re looking for the rough shape of your estate, not a valuation.

			
									
						Main home (your share if jointly owned)
						
							£
							
						
					
									
						Other property (buy-to-let, holiday home, land)
						
							£
							
						
					
									
						Cash & savings
						
							£
							
						
					
									
						ISAs
						
							£
							
						
					
									
						Investments (shares, bonds, funds, GIA)
						
							£
							
						
					
									
						Pensions (DB transfer value or DC pot)
						
							£
							
						
					
									
						Life insurance
						
							£
							
						
					
									
						Business / partnership / agricultural interests
						
							£
							
						
					
									
						Vehicles, jewellery, art & valuables
						
							£
							
						
					
									
						Other
						
							£
							
						
					
				
				
					Total estimated estate
					
						£
						0
					
				
			

			
				
					Outstanding mortgage on main home
					£
				
				
					Other debts (loans, credit cards, equity release)
					£
				
			

			
				Why this matters. Pensions usually fall outside your estate for inheritance tax (rules are changing from 2027). Life policies in trust also fall outside. Most other things — including your home — count.
			

			
				
				
			
		

		
		
			Section 3
			Inheritance tax — the back-of-envelope number
			Most individuals get a Nil-Rate Band of £325,000. If you own a home and leave it to direct descendants, you may get an extra Residence Nil-Rate Band of up to £175,000. Couples can pass unused allowances to each other.

			
				
					Estate (from Section 2)
					£ 0
				
				
					Your allowances (your best guess)
					£ 
				
				
					Taxable slice
					£ 0
				
				
					Estimated bill (40%)
					£ 0
				
			

			
				Reality check. If your number is more than zero, your family will pay it within six months of your death — often before they can sell the house. Most of it is avoidable.
			

			Lifetime gifts you’ve already made
			
				
					Largest gift in last 7 years
					£
				
				
					Roughly when?
					
				
				
					To whom?
					
				
			

			
				
				
			
		

		
		
			Section 4
			Care home fees — the silent inheritance tax
			Care home fees average around £60,000 a year. In England and Wales, anything above £23,250 means you pay in full — often from the value of your home.

			
				
					How is your home owned?
					
				
				
					Cash & easily accessible savings
					£
				
			

			
				Tick what applies — these are the questions worth asking
									
						
						Could one of us go into care while the other is still living at home?
					
									
						
						If so, would the local authority be able to put a charge on our home?
					
									
						
						Have we made any planning changes to the way our home is owned?
					
									
						
						Do we know what “deliberate deprivation of assets” means?
					
									
						
						Do we have an LPA in place if one of us loses capacity?
					
							

			
				
				
			
		

		
		
			Section 5
			Lasting Power of Attorney readiness
			LPAs only work if they’re in place before they’re needed.

			
				
					Property & Financial LPA
					
				
				
					Health & Welfare LPA
					
				
				
					Who would act for you on financial matters?
					
				
				
					Who would act on health & welfare?
					
				
				
					Have you spoken to them about it?
					
				
			

			
				
				
			
		

		
		
			Section 6
			Will health check
			Around two-thirds of UK adults either don’t have a will, or have one that’s out of date.

			
				Tick the statements that apply to you
									
						
						I have a current, signed will
					
									
						
						It was last updated in the last 5 years
					
									
						
						It still names the right executors
					
									
						
						It still names the right guardians (if you have minor children)
					
									
						
						It accounts for any new partners, children, grandchildren, or stepchildren
					
									
						
						It accounts for any property bought, sold, or remortgaged since
					
									
						
						My executors know where the original will is stored
					
									
						
						I’ve thought about what happens if a beneficiary dies before me
					
									
						
						I have, or have considered, a Letter of Wishes
					
									
						
						I’ve made provision against a beneficiary divorcing or going bankrupt
					
							

			
				
					Date of last will (approx.)
					
				
				
					Where is the original kept?
					
				
				
					Anything you’d change today?
					
				
			

			
				
				
			
		

		
		
			Section 7
			The family conversation
			The single biggest cause of probate disputes isn’t tax — it’s surprise.

			
				Have you talked about…
									
						
						Where your will is and who your executors are
					
									
						
						Funeral wishes
					
									
						
						Whether anyone in the family is expecting something specific
					
									
						
						Why you’ve made the choices you have
					
									
						
						Care preferences if you can’t live independently
					
									
						
						Digital accounts, photos, and passwords
					
							

			
				If you could leave one note to the people you love, what would it say?
				
			

			
				
				
			
		

		
		
			Section 8
			What you most want from the seminar
			Two hours is plenty if we know where to spend it.

			
				1. Top thing on your mind right now
				
			
			
				2.
				
			
			
				3.
				
			

			
				How urgent does this feel?
				
			

			
				
				
			
		

		
		
			Section 9
			Questions for the seminar
			Write them down as they come to you. We’ll make space for them.

			Question 1
			Question 2
			Question 3
			Question 4

			
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Leave Your Family a Bigger Slice

How should we send you your filled workbook?

Your family snapshot

Your estate snapshot

Inheritance tax — the back-of-envelope number

Lifetime gifts you’ve already made

Care home fees — the silent inheritance tax

Lasting Power of Attorney readiness

Will health check

The family conversation

What you most want from the seminar

Questions for the seminar

Your workbook is ready

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