Estplan.co.uk Review

Based on checking the website, Estplan.co.uk appears to be a legitimate and well-established estate planning company based in Manchester, UK. They offer a comprehensive range of services including Wills, Trusts, Lasting Power of Attorney, and inheritance tax planning. Their homepage highlights over 20 years of experience, with significant numbers of Wills and LPAs written, suggesting a robust operational history and client base. For anyone seeking to safeguard their assets and ensure their wishes are met, Estplan.co.uk presents itself as a professional option.

Here’s an overall review summary:

• Company Name: Estate Planning Solutions (Estplan.co.uk)
• Services Offered: Wills, Will Trusts, Lifetime Trusts, Lasting Power of Attorney, Probate Support, Inheritance Tax Planning, Later Life Care Costs, Trust Registration, Vulnerable Beneficiaries, Client Care PLUS.
• Experience: Over 20 years.
• Volume of Work: 20,000+ Wills written, 30,000 LPAs written, 1,500 Trusts established.
• Location: Manchester, UK, with a new office in Macclesfield and a forthcoming head office relocation in Wilmslow.
• Contact Information: Freephone number, email, and physical office addresses provided.
• Online Presence: Active Facebook and LinkedIn profiles.
• Ethical Consideration: Estate planning, including Wills and Trusts, is permissible in Islam as it allows for the proper distribution of wealth according to Islamic principles (Sharia). While conventional inheritance tax planning and trust structures need careful scrutiny to ensure they don’t involve interest (riba) or other impermissible elements, the core service of planning for the future and protecting assets aligns with Islamic teachings on responsible wealth management and fulfilling one’s obligations to heirs. Clients should always verify the specific clauses and financial mechanisms to ensure Sharia compliance.

Estplan.co.uk emphasizes securing a brighter future for oneself and loved ones through expert guidance. Their long-standing presence and high volume of completed documents lend credibility. They offer a free, no-obligation consultation, which is a good sign for potential clients to assess their services without immediate commitment. The website provides clear navigation to detailed service descriptions, client testimonials, information about their team, and transparent contact details, all of which contribute to a trustworthy impression. Their focus on safeguarding wealth and tailoring solutions to unique circumstances is appealing for those looking for personalized estate planning.

Here are some excellent alternatives for ethical estate planning and financial stewardship in the UK, focusing on Sharia-compliant solutions where applicable:

• Islamic Wills UK

  

  • Key Features: Specialises in Sharia-compliant Wills, ensuring distribution of assets according to Islamic inheritance laws. Provides guidance on gifts (Hibah) and charitable endowments (Waqf).
  • Average Price: Varies based on complexity, often starting from £200-£500 for standard Islamic Wills.
  • Pros: Ensures compliance with Islamic law, expert advice on complex family structures, peace of mind for Muslim individuals.
  • Cons: Less focus on broader estate planning aspects like Lasting Power of Attorney (LPA) or complex trusts.

• Unity Mutual

  • Key Features: Offers Sharia-compliant investment and savings products, including Takaful (Islamic insurance) elements for family protection. While not directly Wills, their products can be part of a broader ethical financial plan.
  • Average Price: Product-specific; typically involves monthly contributions or lump sum investments.
  • Pros: Ethical and Sharia-compliant financial solutions, regulated by UK authorities, focus on mutual benefit.
  • Cons: Not a Will writing service, requires understanding of Takaful principles.

• National Zakat Foundation (NZF)

  • Key Features: While primarily a charity, NZF often provides resources and guidance on Zakat and inheritance in a UK context, linking individuals to reputable Islamic estate planners. They don’t offer direct services but are a trusted source for related advice.
  • Price: Free resources and guidance, but services from referred partners will have costs.
  • Pros: Highly reputable in the Muslim community, focus on ethical and charitable giving, comprehensive Zakat guidance.
  • Cons: Not a direct service provider for Wills or trusts; acts more as a resource hub.

• True Bearing Chartered Financial Planners

  • Key Features: Independent financial advisors offering comprehensive financial planning, including inheritance tax planning and wealth management. Clients can specifically request Sharia-compliant strategies.
  • Average Price: Fee-based, typically a percentage of assets under management or a fixed fee for planning.
  • Pros: Chartered status indicates high professional standards, broad range of financial services, personalized advice.
  • Cons: Not Sharia-specific by default, clients must ensure their needs for Islamic finance are clearly communicated and met.

• Step (Society of Trust and Estate Practitioners)

  • Key Features: STEP members are highly qualified professionals specializing in inheritance and succession planning. You can search for a local practitioner who may have expertise in Islamic inheritance law.
  • Average Price: Varies widely based on the practitioner and complexity of work.
  • Pros: Globally recognized qualification, ensures high levels of expertise and professionalism.
  • Cons: Not all members will have specific Islamic finance expertise; careful selection is needed.

• Law Society Find a Solicitor

  • Key Features: A directory of regulated solicitors in England and Wales. You can filter by specialisation (e.g., Wills and Probate) and potentially find firms with experience in Islamic law or ethical finance.
  • Average Price: Hourly rates or fixed fees, varies by firm and location.
  • Pros: Ensures legal regulation and protection, access to a wide range of legal professionals.
  • Cons: Requires due diligence to find a solicitor with specific Sharia expertise.

• UK Islamic Finance Council (UKIFC)

  • Key Features: The UKIFC promotes and develops Islamic finance. While not a service provider, they can be a source of information and potentially direct you to regulated, ethical Islamic financial and estate planning professionals.
  • Price: Free resources.
  • Pros: Authoritative body in Islamic finance, valuable for understanding the landscape and finding reputable entities.
  • Cons: Not a direct service provider, more of an information and advocacy body.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

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Estplan.co.uk Review & First Look

When first landing on Estplan.co.uk, the immediate impression is one of professionalism and experience. The website clearly communicates its core business: estate planning solutions, including Wills, Trusts, and Lasting Power of Attorney (LPA). The design is clean and functional, prioritising information dissemination rather than flashy aesthetics. This is a crucial element for a service that deals with sensitive and significant legal and financial matters.

The homepage prominently displays key credibility indicators:

• “Over 20 years experience”: This immediately tells you they’re not a fly-by-night operation. In the world of legal and financial services, longevity often correlates with reliability.
• “20,000 + Wills written”: A tangible metric of their active client base and successful execution of services.
• “30,000 LPA’s written”: Further reinforces their practical experience in another core area.
• “1,500 Trusts established”: While a smaller number, trusts are often more complex and bespoke, indicating a deeper level of expertise.

The call to action, “Book a FREE no obligation consultation today,” is front and centre, making it easy for potential clients to take the next step. This no-pressure approach is reassuring, especially for individuals who might be new to estate planning and need to understand their options without feeling committed. The site also provides clear contact information: a freephone number (0800 781 6658), email address ([email protected]), and links to their Facebook and LinkedIn profiles. This multi-channel accessibility builds trust, demonstrating that they are easily reachable and transparent.

For those concerned with ethical considerations, especially from an Islamic perspective, estate planning itself is broadly permissible and encouraged. Islam places great emphasis on responsible wealth management, providing for one’s family, and ensuring assets are distributed fairly and according to divine guidance. While conventional Wills and Trusts might need adjustments to align with Sharia, the fundamental act of planning for the future and safeguarding wealth is in harmony with Islamic teachings. Estplan.co.uk’s services provide the framework for such planning, and clients would need to ensure that the specific details align with their personal and religious requirements.

Estplan.co.uk Features

Estplan.co.uk offers a comprehensive suite of services designed to help individuals and families manage their assets, plan for the future, and ensure their wishes are legally binding. Their core offerings cover the most critical aspects of estate planning, which is vital for any adult in the UK. Lyme-regis-accommodation.co.uk Review

Wills and Will Trusts

A Will is the cornerstone of estate planning, and Estplan.co.uk highlights its paramount importance. “Crafting a properly drafted and valid Will, is undoubtedly a cornerstone of comprehensive estate planning.” This statement underscores their understanding of its legal significance.

• Purpose: To dictate how assets are distributed upon death.
• Key Benefit: Prevents intestacy (dying without a Will), which can lead to legal complexities and unintended beneficiaries.
• Will Trusts: These are integrated within a Will to provide more control over how assets are managed for beneficiaries, especially for those who are minors, vulnerable, or who need staggered access to inheritance. This level of detail is crucial for complex family situations or specific legacy goals.

Lifetime Trusts

Unlike Wills, which take effect upon death, Lifetime Trusts are established during one’s lifetime.

• Purpose: To manage assets for specific beneficiaries or purposes while the creator is still alive.
• Benefits: Can include asset protection from care home fees (subject to rules on deliberate deprivation), tax planning, and providing for vulnerable beneficiaries without relinquishing control entirely.
• Types: The website doesn’t specify types, but common ones include Discretionary Trusts or Bare Trusts, each serving different planning objectives.

Lasting Power of Attorney (LPA)

An LPA is a vital document that allows individuals to appoint trusted people (attorneys) to make decisions on their behalf if they lose mental capacity.

• Types of LPA:
  • Property and Financial Affairs LPA: Covers decisions about money, property, and investments.
  • Health and Welfare LPA: Covers decisions about medical treatment, daily routine, and care.
• Importance: “30,000 LPA’s written” speaks volumes about their expertise in this critical area. It ensures that personal affairs are handled by someone you trust, avoiding potential disputes or intervention by the Court of Protection.

Probate Support

Probate is the legal process of administering a deceased person’s estate.

• Service Scope: Estplan.co.uk offers support through this often complex and emotionally challenging period. This likely includes assistance with applying for a Grant of Probate, valuing the estate, paying inheritance tax, and distributing assets.
• Benefit: Reduces the burden on grieving families and ensures the estate is managed correctly according to legal requirements.

Inheritance Tax Planning

Inheritance Tax (IHT) can significantly reduce the value of an inheritance. Joandjoecollection.co.uk Review

• Objective: To strategically plan to minimise the IHT liability on an estate.
• Methods: This could involve various strategies such as gifting, setting up trusts, or utilising exemptions and reliefs. It requires a deep understanding of UK tax law.
• Note: From an Islamic perspective, while minimising unnecessary tax is prudent, the methods used must be Sharia-compliant. For instance, any trusts set up for tax purposes must not involve interest or impermissible investments.

Later Life Care Costs

Planning for potential care costs in later life is a growing concern for many.

• Service Focus: Advising on how to structure finances and assets to account for potential long-term care needs, which can be substantial.
• Strategies: Could involve exploring options like equity release (with careful consideration of interest-based structures), immediate care annuities, or asset protection strategies, while ensuring all avenues are explored ethically.

Trust Registration

New regulations in the UK require most trusts to be registered with HM Revenue & Customs (HMRC) via the Trust Registration Service (TRS).

• Service Offered: Estplan.co.uk helps clients navigate these complex registration requirements, ensuring their trusts are compliant and avoid penalties.
• Importance: Essential for transparency and adherence to anti-money laundering regulations.

Vulnerable Beneficiaries

Providing for beneficiaries with specific needs, such as those with disabilities or special needs, requires careful planning.

• Specialised Trusts: Often involves setting up specialist trusts (e.g., Disabled Person’s Trust) to ensure that the beneficiary’s inheritance does not affect their eligibility for state benefits, while still providing for their long-term care and well-being.
• Ethical Consideration: This service aligns well with Islamic principles of safeguarding the vulnerable and fulfilling one’s duty of care.

Client Care PLUS

This appears to be an enhanced client support service.

• Likely Inclusions: Ongoing advice, regular reviews of estate plans, storage of documents, or access to legal updates.
• Benefit: Provides peace of mind that estate plans remain relevant and up-to-date with changing circumstances and legislation.

Estplan.co.uk Pros & Cons

When evaluating a service provider like Estplan.co.uk, it’s crucial to weigh its strengths against potential drawbacks. From the perspective of a user seeking reliable estate planning services in the UK, considering ethical frameworks, here’s a breakdown. Sandalhuddersfieldmini.co.uk Review

Pros

Estplan.co.uk presents several compelling advantages, particularly for individuals seeking an established and experienced partner for their estate planning needs.

Extensive Experience and Proven Track Record

The company proudly states “Over 20 years experience,” which is a significant indicator of stability and expertise. This long tenure in the estate planning sector suggests they’ve navigated various legislative changes and economic conditions, building a robust understanding of the field. The numbers “20,000 + Wills written” and “30,000 LPA’s written” are not just boasts; they represent a high volume of successfully executed legal documents, demonstrating practical proficiency and reliability. This kind of track record provides a strong foundation of trust for potential clients.

Comprehensive Range of Services

Estplan.co.uk offers a broad spectrum of estate planning services under one roof. From fundamental Wills and Lasting Powers of Attorney to more complex Lifetime Trusts, Inheritance Tax planning, and support for vulnerable beneficiaries, their offerings cover most, if not all, common estate planning requirements. This comprehensive approach means clients don’t have to seek out multiple specialists for different aspects of their plan, streamlining the process and ensuring continuity of advice. The inclusion of Probate Support also highlights their ability to assist families through the challenging post-death administration process, adding significant value.

Transparency and Accessibility

The website provides clear and easily accessible contact information, including a freephone number (0800 781 6658), an email address ([email protected]), and physical office locations (Manchester, Macclesfield, and soon Wilmslow). This level of transparency in communication channels builds confidence. The offer of a “FREE no obligation consultation” is also a major plus, allowing potential clients to explore their options and understand the services without any financial commitment upfront. This demonstrates a client-centric approach, fostering an environment where individuals can feel comfortable discussing sensitive personal and financial matters.

Professional Affiliations and Awards

While the homepage mentions being an “award winning” company, specific details about the awards are not immediately visible on the main page. However, the presence of “Affiliates & Partners” suggests engagement with other professional bodies or networks, which often indicates adherence to industry standards and collaborative practices. Such affiliations can signify a commitment to best practices and ongoing professional development, which is reassuring for clients. The “Client Testimonials” section, though not detailed on the homepage, also hints at social proof and satisfied clients. Gregorheating.co.uk Review

Ethical Considerations (Framework)

From an Islamic perspective, the core services offered by Estplan.co.uk – Wills, Trusts, and LPAs – are not inherently impermissible. In fact, Islam strongly encourages responsible wealth management and ensuring assets are distributed fairly upon death according to specific guidelines.

• Wills (Wasiyyah): Islam allows for a portion of one’s estate (up to one-third) to be bequeathed freely, outside of the fixed Quranic inheritance shares. A Will crafted by Estplan.co.uk could be used to facilitate this, provided it adheres to Sharia.
• Trusts: Trusts can be adapted to serve Islamic charitable endowments (Waqf) or to manage funds for specific beneficiaries in a Sharia-compliant manner, avoiding interest-based investments.
• Lasting Power of Attorney: Appointing someone to act on one’s behalf in case of incapacity is entirely permissible and prudent in Islam, aligning with the principle of mutual support and care.

The framework provided by Estplan.co.uk is thus generally permissible. The responsibility lies with the client to ensure that the content and specific clauses within their Will or Trust are drafted to align with Islamic inheritance laws (Fara’id) and avoid any impermissible elements such as Riba (interest) or investments in haram industries. A knowledgeable Muslim client can leverage these professional services to create an estate plan that is both legally sound in the UK and ethically compliant with Islamic principles.

Cons

While Estplan.co.uk presents a strong case, there are a few areas that could be enhanced for a more comprehensive and reassuring user experience, particularly for those with specific ethical or religious requirements.

Lack of Direct Sharia Compliance Information

The most significant area for improvement, especially for a blog focusing on Islamic ethics, is the absence of any explicit mention of Sharia-compliant estate planning. While the services themselves (Wills, Trusts, LPAs) are permissible in principle, the details of their implementation can involve conventional financial instruments or tax strategies that might conflict with Islamic finance principles (e.g., interest-based investments, certain types of insurance).

• Impact: A Muslim client would need to independently verify and potentially guide Estplan.co.uk on how to structure their Will or Trust to adhere to Islamic inheritance laws (Fara’id) and avoid Riba. This adds an extra layer of complexity for the client.
• Recommendation: For a truly comprehensive service targeting a diverse clientele, including the Muslim community, explicitly offering or signposting Sharia-compliant options would be a significant advantage. This could involve partnerships with Islamic finance experts or internal training.

Limited Online Pricing Transparency

The website offers a “FREE no obligation consultation,” which is excellent for initial engagement. However, it doesn’t provide any indication of typical service fees or pricing structures for their various offerings (Wills, LPAs, Trusts, etc.). Elevationsltd.co.uk Review

• Impact: While bespoke services often require consultations for accurate quotes, a complete absence of pricing tiers or even a “starting from” figure can be a deterrent for some potential clients who prefer to have a rough idea of costs before committing to a call. This can lead to perceived ambiguity.
• Comparison: Many online Will writing services, for example, often provide tiered pricing for basic vs. complex Wills, setting expectations upfront.

Generic “Award Winning” Claim Without Specifics

The homepage mentions “Estate Planning Solutions are an award winning, independent estate planning company.” While this sounds impressive, the absence of specific award names, categories, or the years they were received makes it difficult to verify the claim or understand its significance.

• Impact: Without concrete details, this claim, while positive, loses some of its persuasive power. A user might wonder which awards, from which bodies, and when they were granted.
• Recommendation: Listing the actual awards would significantly boost the credibility of this statement and demonstrate tangible recognition from external bodies.

Reliance on Off-site Testimonials

The website lists “Client Testimonials” as a menu item, but the homepage does not feature snippets or direct quotes from satisfied clients.

• Impact: Modern web design often incorporates brief, impactful testimonials directly on the homepage to immediately build social proof. Requiring a user to navigate to a separate page to read testimonials adds friction.
• Recommendation: Adding a rotating carousel of 2-3 compelling client quotes on the homepage would enhance immediate trust and user engagement.

Website News Section Appears Infrequently Updated

While the website has a “News” section, the last visible update on the homepage is about their new office locations (Macclesfield office opening and Head Office relocation). While these are important updates, a more consistently updated news or blog section with articles on estate planning tips, legal changes, or financial advice would demonstrate ongoing engagement and thought leadership.

• Impact: A less frequently updated news section might suggest a lack of active content generation or engagement with current industry trends, though this is a minor point compared to their core service delivery.
• Recommendation: Regular blog posts or news articles on relevant estate planning topics would enhance their authority and provide valuable content for potential clients.

How to Cancel estplan.co.uk Subscription

Based on the information available on the Estplan.co.uk homepage, there isn’t any indication of a “subscription” model in the typical sense (e.g., monthly recurring charges for access to a service or platform). Their services appear to be transactional: you engage them to draft a Will, establish a Trust, or manage an LPA, and presumably pay a one-off fee for these specific services.

Therefore, the concept of “cancelling a subscription” as one might with a software service or a media platform doesn’t directly apply to Estplan.co.uk in the way the question is framed. Bowtastic.co.uk Review

However, if a client has engaged Estplan.co.uk for a service and wishes to discontinue that engagement, or if there’s a specific “Client Care PLUS” service that involves ongoing fees, the process would likely involve:

1. Direct Communication: The most straightforward approach would be to contact Estplan.co.uk directly.

   • Phone: Call their freephone number: 0800 781 6658.
   • Email: Send an email to [email protected].
   • Post: Write to their current or new Head Office address (Second Floor, Chadsworth House, Wilmslow Road, Handforth, Wilmslow SK9 3HP from 25th November 2024).

2. Reviewing Service Agreements: Any service agreement or contract signed with Estplan.co.uk would outline the terms and conditions for disengagement, cancellation policies, and any associated fees or refunds. It is critical to review these documents thoroughly.

3. Cooling-Off Period: For services purchased online or through distance selling, consumers in the UK typically have a 14-day “cooling-off period” during which they can cancel the contract without reason and receive a full refund, provided the service has not commenced. If the service has begun, a pro-rata charge may apply. This would be covered by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

4. Specific to “Client Care PLUS”: If “Client Care PLUS” is a recurring service, its terms would specify the cancellation policy. Clients should specifically ask about this during their initial consultation or review the relevant section of their service agreement. Britshine.co.uk Review

Important Note: Since estate planning involves significant legal documents, cancelling a service once work has commenced may incur fees for work already completed. It’s always best to have a clear understanding of the terms before engaging any professional service. For ethical considerations, ensure that any financial implications of cancellation are clearly communicated and are not predatory or excessive.

How to Cancel estplan.co.uk Free Trial

Similar to the “subscription” query, the concept of a “free trial” in the traditional sense does not appear to apply to Estplan.co.uk based on the information provided on their homepage. They offer a “FREE no obligation consultation,” which is fundamentally different from a free trial.

A “free trial” typically implies access to a service or product for a limited period, after which a subscription or payment is automatically initiated unless cancelled. Estplan.co.uk’s consultation is simply an initial meeting to discuss needs and potential solutions, with no automatic enrolment or charges afterwards.

Therefore, there is no “free trial” to cancel. The “no obligation” aspect means:

• You can attend the consultation.
• You are not obliged to purchase any services afterwards.
• There will be no automatic charges or follow-ups beyond what was agreed during the consultation itself (e.g., sending a proposal).

If a client has had a free consultation and no longer wishes to proceed or be contacted, they simply need to: Texantrio.co.uk Review

1. Inform Them: If they receive a follow-up call or email after the consultation, they can politely decline further engagement.
2. No Action Required: Since no obligation or automatic enrolment is involved, no specific “cancellation” action is necessary after a free consultation. There are no services to discontinue, no payment methods to remove, and no recurring charges to stop.

This “no obligation” model is generally a positive feature, as it allows potential clients to explore their options without any pressure or financial risk, aligning with ethical business practices that prioritize client autonomy.

Estplan.co.uk Pricing

Based on the homepage text provided for Estplan.co.uk, specific pricing details for their services are not explicitly published. This is a common approach for professional services firms, particularly in complex areas like estate planning, where client needs are highly individualised.

Here’s what we can infer about their pricing model:

• Consultation is Free and No Obligation: The most prominent pricing-related statement on the homepage is “Book a FREE no obligation consultation today.” This means that the initial discussion about your estate planning needs will not incur any cost. This is a significant advantage, allowing potential clients to explore options and understand potential solutions without financial commitment.
• Bespoke Quoting: Given the nature of services like Wills, Trusts, and LPAs, the final cost will likely depend on several factors:
  • Complexity of the Will: A simple Will for an individual with straightforward assets will cost less than a complex Will involving multiple beneficiaries, specific bequests, and trust provisions.
  • Type of Trust: Lifetime Trusts and Will Trusts vary greatly in their complexity, drafting time, and associated legal work, impacting their cost.
  • Number of LPAs: Whether a client needs one (Property and Financial Affairs or Health and Welfare) or both types of LPA will affect the fee.
  • Additional Services: Services like Inheritance Tax planning, Probate Support, or advice on Later Life Care Costs will likely be quoted separately or as part of a package tailored to the client’s needs.
  • Ongoing Services: If “Client Care PLUS” involves an annual fee for ongoing reviews or document storage, this would be discussed during the consultation.
• Industry Standard Practice: It’s standard for solicitors and estate planners to quote fees after an initial assessment. This allows them to understand the client’s unique circumstances and provide an accurate and fair price. Without this, a generic price could be misleading or fail to cover the actual work required.
• Potential for Fixed Fees vs. Hourly Rates: While not stated, services like Will drafting are often offered at fixed fees, while more complex advisory work or probate support might be charged on an hourly basis. This would be clarified during the consultation.

What to expect regarding pricing:

During your free, no-obligation consultation, Estplan.co.uk professionals will likely: Shecom.co.uk Review

1. Discuss your current situation and estate planning goals.
2. Explain the services relevant to your needs.
3. Provide a clear breakdown of the costs involved for the recommended services.
4. Explain their terms and conditions.

For individuals seeking Sharia-compliant solutions, it’s crucial to confirm during the consultation if there are any additional complexities or costs associated with integrating Islamic inheritance laws into the planning, or if they have specific expertise in this area. Generally, a Will drafted to include specific Islamic provisions might be slightly more complex than a standard UK Will, which could influence the fee.

The absence of published prices is not necessarily a negative for a professional service, but it does mean potential clients need to take the step of booking a consultation to get concrete cost information.

Estplan.co.uk vs. Online Will Services (A Comparison for Ethical Planning)

When considering estate planning, potential clients often weigh options between traditional, face-to-face services like Estplan.co.uk and more modern, often cheaper, online Will writing platforms. Each has distinct advantages and disadvantages, especially when viewed through an ethical lens, such as adherence to Islamic principles.

Estplan.co.uk: Personalised, Comprehensive, and Established

Estplan.co.uk represents the more traditional model of estate planning.

• Pros: Solentfencing.co.uk Review

  • Personalised Advice: Their core strength lies in providing tailored solutions. A “FREE no obligation consultation” allows for direct interaction, where a professional can understand complex family dynamics, specific assets, and nuanced desires. This human element is invaluable for avoiding errors or oversights.
  • Comprehensive Service Range: Beyond just Wills, they offer Lifetime Trusts, LPAs, Inheritance Tax Planning, Probate Support, and advice for vulnerable beneficiaries. This holistic approach ensures all aspects of estate planning are covered under one roof, providing continuity and integration.
  • Handling Complexity: For individuals with complex assets (e.g., multiple properties, business interests), beneficiaries with special needs, or specific ethical requirements (like Sharia compliance), a bespoke service can navigate these intricacies far more effectively than a templated online system.
  • Legal Expertise and Accountability: As an established company with “Over 20 years experience” and high volumes of completed work, they are likely to have robust legal processes and professional indemnity insurance, offering a higher degree of accountability and security.
  • Office Presence: The physical offices in Manchester, Macclesfield, and soon Wilmslow provide a tangible presence and the option for in-person meetings, which many clients prefer for sensitive matters.

• Cons:

  • Higher Cost (Likely): While not explicitly stated, professional, personalised services typically come at a higher cost than basic online solutions. This cost reflects the time, expertise, and comprehensive nature of the advice.
  • Less Immediate: The process involves scheduling consultations and meetings, which is slower than instantly generating a document online.
  • No Explicit Sharia-Compliance Statement: While they provide the framework for Wills and Trusts, there’s no specific mention of expertise in Islamic inheritance law. Clients would need to explicitly raise this and ensure the drafted documents adhere to Sharia principles, potentially requiring additional guidance from an Islamic scholar.

Online Will Services: Convenience, Cost-Effective, and Accessibility

Online Will services (e.g., Farewill, Beyond, or even generic online legal document platforms) often appeal due to their simplicity and price.

• Pros:

  • Cost-Effective: Typically much cheaper than traditional solicitors, with basic Wills often available for less than £100.
  • Convenience and Speed: Users can complete a Will from the comfort of their home, often within minutes, using intuitive online questionnaires.
  • Accessibility: Available 24/7, making them ideal for individuals with busy schedules or those who prefer digital interactions.
  • Basic Needs Met: For very straightforward estates (e.g., a single person with few assets and direct beneficiaries), these services can be perfectly adequate.
  • Some Offer Islamic Options: A growing number of online services, like some specifically focusing on Islamic Wills, do integrate Sharia principles into their templates, making them a direct option for Muslim clients.

• Cons: Propoptions.co.uk Review

  • Lack of Personalised Advice: The biggest drawback. Online platforms are templated. They cannot provide bespoke advice on complex family situations, potential tax implications, or specific Sharia requirements that might not fit a standard questionnaire. Misinterpretations or omissions by the user can lead to invalid or ineffective Wills.
  • Limited Scope: Most online services focus primarily on basic Wills and sometimes LPAs, rarely extending to complex trusts, nuanced inheritance tax strategies, or probate support.
  • Risk of Errors: Without professional oversight, users might make mistakes in completing the forms, leading to legally invalid Wills or unintended consequences. This risk is amplified when trying to adapt a generic template to specific religious requirements.
  • No Accountability (for basic platforms): If a basic online service provides a template that you fill out yourself, they often disclaim liability for errors made by the user. Professional legal firms like Estplan.co.uk carry professional indemnity, providing recourse if their advice or drafting is negligent.

Ethical Considerations and the Islamic Perspective

For a Muslim seeking to ensure their estate plan is Sharia-compliant, the choice between Estplan.co.uk and online services becomes particularly nuanced.

• Online Islamic Will Services: If an online service specifically offers Sharia-compliant Wills and has a strong reputation, it can be a good, cost-effective option for simpler estates. These services build in the specific rules of Fara’id (Islamic inheritance law) and allow for the Wasiyyah (bequest of up to one-third).
• Estplan.co.uk (with guidance): For complex estates, or where the client wants comprehensive estate planning (beyond just a Will) and Sharia compliance, Estplan.co.uk would be a better choice. However, the client would need to:
  1. Educate Themselves: Understand the basics of Islamic inheritance law.
  2. Communicate Clearly: Express their need for Sharia compliance to Estplan.co.uk during the consultation.
  3. Seek External Verification: Potentially consult with an Islamic scholar or a separate expert in Islamic inheritance law to review the draft documents to ensure they meet all religious requirements, especially concerning the distribution of assets, treatment of debts, and any specific trust provisions.

Conclusion: For basic, straightforward Will needs, and particularly if Sharia compliance is integrated into the online platform, a reputable online Islamic Will service can be a good starting point. However, for anyone with complex assets, intricate family structures, or a desire for comprehensive estate planning that goes beyond a simple Will, coupled with the need for rigorous Sharia adherence, a firm like Estplan.co.uk offers the personalized advice and broad expertise required. The trade-off is often cost versus the peace of mind and robustness that comes with professional, bespoke legal advice. The onus is on the client to ensure the chosen service explicitly addresses or can accommodate their specific ethical and religious requirements.

FAQ

What is Estplan.co.uk?

Estplan.co.uk is the website for Estate Planning Solutions, an award-winning, independent estate planning company based in Manchester, UK. They specialise in services such as Wills, Will Trusts, Lifetime Trusts, Lasting Power of Attorney (LPA), Probate Support, Inheritance Tax planning, and more.

Is Estplan.co.uk a legitimate company?

Yes, based on the website information, Estplan.co.uk appears to be a legitimate and well-established company with over 20 years of experience and a significant volume of completed Wills and LPAs. They provide clear contact details, physical office addresses, and professional affiliations.

What services does Estplan.co.uk offer?

Estplan.co.uk offers a comprehensive range of estate planning services including Wills and Will Trusts, Lifetime Trusts, Lasting Power of Attorney (Property & Financial, Health & Welfare), Probate Support, Inheritance Tax planning, Later Life Care Costs advice, Trust Registration, and planning for Vulnerable Beneficiaries. Youshiko.co.uk Review

How much does Estplan.co.uk charge for its services?

Estplan.co.uk does not publish specific pricing on its homepage. They offer a “FREE no obligation consultation” where they will discuss your needs and likely provide a tailored quote based on the complexity of your requirements. Costs for estate planning services typically vary widely.

Does Estplan.co.uk offer Sharia-compliant Wills or estate planning?

The Estplan.co.uk website does not explicitly mention offering Sharia-compliant Wills or services tailored to Islamic finance principles. While the fundamental services they offer (Wills, Trusts, LPAs) are permissible in Islam, clients would need to discuss their specific requirements for Sharia compliance during the consultation to ensure the documents are drafted in line with Islamic inheritance laws.

How can I contact Estplan.co.uk?

You can contact Estplan.co.uk by calling their freephone number 0800 781 6658, emailing [email protected], or by visiting one of their physical offices (Manchester, Macclesfield, or the new Head Office in Wilmslow from 25th November 2024).

Does Estplan.co.uk have physical offices?

Yes, Estplan.co.uk has a new sales office in Macclesfield (10-12 Jordangate, Macclesfield SK10 1EE) and their Head Office will be relocating to Second Floor, Chadsworth House, Wilmslow Road, Handforth, Wilmslow SK9 3HP from Monday 25th November 2024.

What is a Lasting Power of Attorney (LPA) and does Estplan.co.uk help with it?

A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint someone you trust to make decisions on your behalf if you lose mental capacity. Estplan.co.uk actively assists clients with drafting both Property and Financial Affairs LPAs and Health and Welfare LPAs, having written over 30,000 LPAs. Simplysheepskin.co.uk Review

What is the difference between a Will and a Will Trust?

A Will is a legal document that dictates how your assets are distributed upon your death. A Will Trust is a type of trust created within your Will, which becomes effective upon your death, allowing for more specific control over how assets are managed for beneficiaries (e.g., for minors or vulnerable individuals).

What is a Lifetime Trust?

A Lifetime Trust is a trust established during your lifetime, as opposed to a Will Trust which takes effect upon death. It can be used for purposes such as asset protection (subject to rules), tax planning, or providing for beneficiaries while you are still alive.

Does Estplan.co.uk offer probate support?

Yes, Estplan.co.uk offers probate support services to help families navigate the legal process of administering a deceased person’s estate, including applying for a Grant of Probate and distributing assets.

What is Inheritance Tax planning and how can Estplan.co.uk help?

Inheritance Tax (IHT) planning involves strategies to minimise the amount of tax payable on your estate upon death. Estplan.co.uk can advise on various methods, such as gifting or using trusts, to reduce your IHT liability, though clients should ensure any strategies align with their ethical principles.

What is Client Care PLUS from Estplan.co.uk?

Client Care PLUS appears to be an enhanced client support service offered by Estplan.co.uk. While specific details aren’t on the homepage, it likely includes ongoing advice, periodic reviews of your estate plan, and potentially secure document storage. Wildviewcameras.co.uk Review

How many Wills has Estplan.co.uk written?

Estplan.co.uk states on its homepage that it has written over 20,000 Wills.

How many Trusts has Estplan.co.uk established?

Estplan.co.uk states that it has established 1,500 Trusts.

Is estate planning permissible in Islam?

Yes, estate planning, including writing a Will, is generally permissible and encouraged in Islam, provided it adheres to Sharia principles regarding inheritance distribution (Fara’id) and avoiding impermissible elements like Riba (interest) or investments in haram industries. It is seen as an act of responsible stewardship.

What should I consider if I want a Sharia-compliant Will from Estplan.co.uk?

If seeking a Sharia-compliant Will from Estplan.co.uk, you should explicitly communicate your need for Islamic inheritance law adherence during your consultation. You may need to provide specific guidance or consider having the draft reviewed by an Islamic scholar to ensure full compliance with Fara’id and any Wasiyyah (bequests up to one-third) you wish to make.

Does Estplan.co.uk have client testimonials?

Yes, the website menu includes a link to “Client Testimonials,” suggesting that they showcase feedback from previous clients. Infinityebikes.co.uk Review

Where is Estplan.co.uk’s main office located?

Estplan.co.uk’s Head Office will be based at Second Floor, Chadsworth House, Wilmslow Road, Handforth, Wilmslow SK9 3HP from Monday 25th November 2024. Prior to this, their Head Office was based elsewhere in Manchester.

What are the benefits of booking a free consultation with Estplan.co.uk?

Booking a free consultation allows you to discuss your personal circumstances and estate planning needs with their qualified professionals without any obligation or initial cost. It’s an opportunity to understand the services available, receive tailored advice, and get a clear quote before committing to any service.

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