Claresutherland.com Reviews

Based on looking at the website, Claresutherland.com appears to be a legitimate platform offering services related to Wills, Lasting Powers of Attorney, and Protective Trusts. The site focuses on helping individuals and families with inheritance protection and estate planning. While the core services of Wills and Trusts are permissible, the website explicitly mentions protecting inheritance against scenarios involving divorce settlements and addictions drug, alcohol, gambling, and indirectly deals with interest-based financial products like inheritance tax implications, which requires a deeper look from an Islamic perspective. The objective here is to provide information and alternatives within the bounds of Islamic principles, ensuring financial dealings and life planning align with sound, ethical practices.

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.

claresutherland.com Review & First Look

Based on an initial review of claresutherland.com, the website presents itself as a specialized service for estate planning, primarily focusing on Wills, Lasting Powers of Attorney LPAs, and Protective Trusts.

The primary value proposition centers on protecting inheritance for future generations, particularly against unforeseen circumstances like divorce, creditor claims, or the specific vulnerabilities of beneficiaries such as disabilities or addictions.

The site emphasizes simplifying complex legal processes and making these services more accessible than traditional solicitors, citing lower overheads and offering payment plans.

The website’s design is straightforward and informative, aiming to build trust through direct communication and clear explanations.

It highlights Clare Sutherland as the founder, noting her passion for helping people achieve peace of mind through proper estate planning. Dreamcloudsleep.co.uk Reviews

The site mentions regulation by the Society of Will Writers and indemnity cover up to £2.5 million, along with a five-star rating on Trustpilot, which are all indicators designed to assure potential clients of credibility and professionalism.

The services offered are clearly itemized with pricing: a Basic Will at £199, a Lasting Power of Attorney at £349, and a Property Protection Trust at £699. This transparency in pricing is a significant positive.

The site also offers a free 15-minute consultation, which is a common practice for legal and financial service providers to engage potential clients and assess their needs.

However, from an Islamic perspective, while the core services of writing a Will Wasiyyah and appointing someone for financial and welfare decisions akin to Wakalah or general guardianship are permissible and even encouraged, the underlying motives and scenarios addressed require careful consideration. Specifically, planning for divorce settlements as a primary threat to inheritance, and explicitly dealing with inheritances for individuals with drug, alcohol, or gambling addictions, necessitates a nuanced approach. While protecting assets for vulnerable individuals is commendable, the emphasis on these specific issues highlights societal challenges that Islam addresses through prevention and rehabilitation rather than solely post-facto protection of wealth.

Purpose and Value Proposition

The website’s core purpose is to provide accessible and straightforward estate planning solutions. Your365coach.co.uk Reviews

Clare Sutherland aims to demystify Wills and Trusts, making them available to a broader audience beyond the “rich and famous.”

• Peace of Mind: A recurring theme is the promise of peace of mind for clients, knowing their children’s inheritance is secure.
• Protection Against Threats: Key threats highlighted include divorce settlements, creditors, bankruptcy, unnecessary taxation, and complicated family scenarios.
• Accessibility and Affordability: The site positions itself as a more affordable alternative to solicitors, offering payment plans to spread costs.

Credibility and Assurance

Claresutherland.com attempts to establish credibility through several assertions:

• Authorisation and Regulation: Stated as “Authorised/Regulated by the Society of Will Writers.” This provides a degree of oversight and adherence to professional standards.
• Indemnity Cover: Claims “Protected with indemnity cover up to £2.5million,” which is crucial for client protection in case of professional negligence.
• Customer Reviews: Prominently displays “Five-star rated on Trust Pilot,” encouraging potential clients to verify external feedback. This is a vital component of modern online trust-building.

Initial Impressions from an Islamic Perspective

While estate planning is encouraged in Islam, some elements on the website raise points for discussion.

The concept of a Will Wasiyyah is a fundamental aspect of Islamic inheritance law, guiding the distribution of up to one-third of a person’s estate, with the remaining two-thirds distributed according to specific Quranic injunctions.

• Protection from Divorce: The emphasis on protecting inheritance from future divorce settlements, while a practical concern in Western legal systems, might subtly endorse a transactional view of marriage rather than the sacred bond it is in Islam. Islamic family law Fiqh al-Usra emphasizes reconciliation and ethical dissolution when divorce occurs, with clear guidelines for spousal rights and children’s welfare. While one can protect assets, the focus should be on strengthening marital bonds.
• Addictions: Addressing inheritance for those with drug, alcohol, or gambling addictions is a commendable effort to protect vulnerable individuals. However, Islam primarily focuses on preventing these addictions through prohibition and rehabilitation. While securing an inheritance for someone struggling with addiction is important, the Islamic solution would emphasize spiritual and moral guidance to overcome these destructive habits.
• Long-Term Care Planning: The site mentions strategic long-term care solutions to avoid depleting estates. While financially prudent, Islamic teachings emphasize charitable giving Sadaqah and looking after the needy. Proper financial planning is good, but not at the expense of neglecting the broader societal needs or the spiritual benefits of charity.

Overall, the website appears professional and addresses common concerns regarding estate planning in the UK context. Goldentriangletoursindia.com Reviews

However, for a Muslim audience, a deeper understanding of how these services align with Islamic financial ethics and family values is crucial, particularly concerning the mentioned specific scenarios and the handling of wealth.

claresutherland.com Features

Claresutherland.com offers a focused suite of features designed to simplify and make accessible essential estate planning tools.

These features are primarily centered around three core legal documents: Wills, Lasting Powers of Attorney LPAs, and Protective Trusts.

The website aims to provide a “done for you” service, minimizing client effort in preparing these vital documents.

Comprehensive Will Services

The website offers both individual and “Mirror Wills” for couples, allowing individuals to clearly define their wishes regarding their estate. Giftingowl.com Reviews

• Beneficiary Designation: Clients can explicitly choose their beneficiaries, ensuring their assets are distributed according to their desires.
• Guardianship for Children: A crucial feature for parents, enabling them to name guardians for their minor children, providing peace of mind for their future care.
• Professional Storage: The service includes an option for professional storage of the original Will, which is critical since only the original signed document is legally binding. This protects against loss, damage, or destruction.
• National Will Register Registration: Wills are registered on the National Will Register, increasing the likelihood that the Will is found and acted upon after the client’s passing. This is a significant added value for ensuring wishes are fulfilled.

Lasting Powers of Attorney LPA

LPAs are presented as crucial documents for protection during one’s lifetime, especially if mental capacity is lost.

• Two Types: The site covers both Property & Finance LPA and Health & Welfare LPA, allowing individuals to appoint attorneys to manage financial decisions or healthcare and living arrangements, respectively.
• “Done for You” Service: The process is managed by Clare Sutherland, simplifying the often-complex legal requirements for setting up an LPA.
• Protection for All Ages: The website emphasizes that LPAs are not just for the elderly but are important for any adult to prepare for unforeseen circumstances like accidents or sudden illness.

Protective Trusts

These trusts are highlighted as a sophisticated mechanism to safeguard inheritance for future generations, particularly the family home.

• Safeguarding Home from Care Costs: A key benefit, allowing individuals to protect their property from being sold to cover long-term care fees.
• Protecting Children’s Inheritance: Ensures that a share of the estate passes directly to chosen beneficiaries, even if a surviving spouse remarries or if children face divorce or bankruptcy. This is where the website specifically mentions scenarios involving “addictions drug, alcohol, gambling” by enabling Trustees to manage funds for vulnerable beneficiaries.
• Reducing Inheritance Tax: Trusts can help in alleviating potential inheritance tax liabilities, preserving more wealth for heirs.
• Protecting Vulnerable Beneficiaries: This feature allows for ring-fencing inheritance for children with disabilities or those reliant on means-tested benefits, ensuring their benefits are not affected by the inheritance. It also allows for careful management of funds for beneficiaries with addictions.

Additional Features and Support

Beyond the core documents, claresutherland.com offers:

• Free 15-Minute Consultation: A no-obligation introductory call to discuss individual needs and determine the best course of action.
• Payment Plans: Recognising that legal services can be a significant expense, payment plans are offered to spread the cost, enhancing accessibility.
• Guidance and Education: The website contains sections with helpful articles and FAQs to educate clients on the importance and intricacies of estate planning.
• Trustpilot Integration: Displays a high rating from Trustpilot, indicating positive client experiences and building social proof.

While the features appear comprehensive for estate planning within the UK legal framework, the mention of protecting inheritance from addictions drug, alcohol, gambling and divorce settlements warrants specific attention from an Islamic perspective. In Islam, preventive measures against such harmful activities are paramount. While it is prudent to ensure the welfare of vulnerable individuals, the focus should always be on promoting righteous conduct and avoiding that which is forbidden. Structuring trusts to manage funds for those with addictions, ensuring they cannot access money for harmful purposes, can be seen as a form of stewardship Amana and protection Hifz, provided it aligns with the overall principles of supporting spiritual and physical well-being rather than merely managing the consequences of forbidden actions. Similarly, while protecting assets for children is encouraged, the focus on divorce as a major threat should not overshadow the Islamic emphasis on marital harmony and the sacred nature of the family unit.

claresutherland.com Pros & Cons

When evaluating a service like claresutherland.com, it’s essential to weigh its advantages against its limitations. Onpointremovals.co.uk Reviews

This provides a balanced perspective, especially when considering it through an Islamic lens, where certain aspects might conflict with core principles.

Pros

• Accessibility and Affordability: One of the most significant advantages is the clear attempt to make estate planning more accessible and affordable. Traditional solicitors often charge higher fees, and claresutherland.com offers competitive pricing e.g., Basic Will for £199, LPA for £349 and payment plans, which can ease the financial burden for many families. This aligns with the Islamic principle of facilitating beneficial transactions and avoiding unnecessary hardship.
• Simplified Process: The “done for you” approach aims to remove the complexity often associated with legal documents like Wills and Trusts. This makes the process less daunting for individuals who might otherwise postpone or avoid estate planning.
• Clear Pricing Structure: The website prominently displays the costs for its main services, providing transparency and allowing potential clients to budget effectively without hidden fees. This transparency is a commendable practice.
• Focus on Inheritance Protection: The core service of protecting inheritance for future generations is a commendable goal, aligning with Islamic principles of responsible stewardship of wealth Mal and providing for one’s dependents. Ensuring assets are secured for children and future heirs is a form of Sadaqah Jariyah ongoing charity if structured correctly and used for good.
• Professional Credentials and Safeguards: The mention of regulation by the Society of Will Writers and significant indemnity cover £2.5 million offers a degree of reassurance regarding professionalism and client protection. The 5-star Trustpilot rating also indicates positive client experiences.
• Protection for Vulnerable Beneficiaries: The ability to set up trusts that manage inheritance for children with disabilities, those reliant on means-tested benefits, or those with addictions drug, alcohol, gambling is a practical and often necessary feature. From an Islamic perspective, this can be seen as a form of compassionate guardianship Walayah to ensure the welfare of vulnerable individuals, preventing their inheritance from being misused or harming them. The focus here should be on ensuring the funds are used for their well-being and rehabilitation, if applicable, rather than enabling harmful behaviors.
• Free Initial Consultation: Offering a free 15-minute call is a good way for potential clients to understand their options without financial commitment, fostering trust and engagement.

Cons

• Reliance on Legal vs. Islamic Framework: The services are firmly rooted in UK common law and estate planning principles. While useful, they do not inherently align with the specific rules of Islamic inheritance law Fara’id. For Muslims, a Will must adhere to the 1/3 rule only up to one-third of the estate can be bequeathed outside of fixed heirs and prioritize specific Quranic shares for heirs. Relying solely on these services without integrating Islamic inheritance principles could lead to Wills that are legally valid but Islamically non-compliant. This requires additional consultation with Islamic scholars or specialized Islamic estate planners.
• Focus on Divorce as a Threat: The strong emphasis on protecting inheritance from future divorce settlements, while a practical concern in modern societies, might inadvertently reinforce a negative perception of marriage rather than its sanctity in Islam. Islamic jurisprudence encourages striving for marital harmony and, in cases of unavoidable divorce, emphasizes fair and equitable separation according to divine guidelines, not solely asset protection.
• Managing Addictions vs. Preventing Them: While trusts for beneficiaries with addictions are a pragmatic solution for wealth management, the Islamic approach would fundamentally focus on the prohibition of drugs, alcohol, and gambling, and the spiritual and social mechanisms to prevent and overcome them. While these trusts might manage the consequences, they do not address the root cause from an Islamic moral standpoint. A Muslim would ideally seek to guide and support such individuals towards recovery and repentance, alongside any financial provisions.
• Non-Regulated Industry Aspect: The website mentions, “Wills and Trusts is a non-regulated industry,” immediately followed by the founder’s qualification with the Society of Will Writers a self-regulatory body. While this transparency is good, it signals that the industry itself lacks government regulation like solicitors. This might imply a slightly lower level of statutory oversight compared to fully regulated legal professionals, which some clients might find concerning.
• Limited Scope for Complex Islamic Scenarios: For Muslim families with complex inheritance needs that strictly adhere to Fara’id Islamic inheritance law, claresutherland.com’s standard templates might not be sufficient without significant customization or additional Islamic legal advice. The “Property Protection Trust” might need careful structuring to ensure it doesn’t inadvertently conflict with the fixed shares Fara'id for specific heirs.

In conclusion, claresutherland.com offers a valuable, accessible, and affordable service for general estate planning.

However, for Muslim clients, it is crucial to understand that these services are designed within a secular legal framework.

They must be carefully integrated with Islamic inheritance principles, potentially requiring additional specialized advice, to ensure compliance with both earthly laws and divine injunctions.

The emphasis on dealing with consequences of forbidden acts like addiction or certain aspects of divorce should always be balanced with the stronger Islamic emphasis on prevention and adherence to what is permissible. Trulydental.ie Reviews

claresutherland.com Alternatives

For individuals seeking to protect their inheritance and plan their estates, particularly those who wish to align with Islamic principles, several alternatives or supplementary services exist beyond claresutherland.com.

These alternatives range from traditional legal services to specialized Islamic estate planning platforms, each with its own advantages and considerations.

1. Traditional Solicitors and Estate Planning Lawyers

• Description: Full-service law firms offering bespoke Will drafting, trust creation, and Lasting Powers of Attorney. They provide personalized advice and can handle complex legal situations.
• Pros:
  • Highly Regulated: Solicitors are regulated by the Solicitors Regulation Authority SRA in the UK, offering a high level of consumer protection and professional standards.
  • Bespoke Advice: Capable of handling highly complex family situations, intricate business assets, and specific tax planning strategies.
  • Face-to-Face Consultation: Often offer in-person meetings, which some clients prefer for sensitive legal matters.
• Cons:
  • Higher Costs: Generally significantly more expensive than online or specialist Will writers due to higher overheads and extensive legal expertise.
  • Slower Process: The bespoke nature can mean longer processing times.
• Relevance for Muslims: While more expensive, a solicitor specializing in Islamic inheritance law or one willing to work with an Islamic scholar can draft a Will that is fully compliant with both UK law and Fara’id. This ensures that assets are distributed according to Quranic injunctions while also being legally binding in the UK.

2. Specialized Islamic Estate Planning Services

• Description: Firms or consultants dedicated to drafting Wills and setting up trusts that explicitly adhere to Islamic inheritance law Fara’id while remaining legally valid in non-Islamic jurisdictions like the UK.
  • Islamic Compliance: Ensures that the Will fully respects the Quranic shares for heirs, addressing the unique needs of Muslim families.
  • Expert Knowledge: These services possess in-depth understanding of both civil law and Islamic jurisprudence, bridging the gap effectively.
  • Holistic Approach: Often provide guidance on other Islamic financial matters, such as Waqf endowment or charitable giving.
  • Niche Market: May be fewer providers, and their availability might be limited geographically.
  • Varying Costs: Prices can vary, sometimes higher than generic online services due to specialized expertise.
• Examples: Islamic Wills UK, Al-Wasiyyah, or specific departments within larger legal firms that cater to Islamic finance and law. These are often the best alternatives for Muslims seeking to align their estate planning entirely with their faith.

3. Online Will Writing Platforms Non-Specialist

• Description: Websites that provide templates and guided processes for drafting basic Wills, often at a very low cost or even for free.
  • Extremely Affordable/Free: Very budget-friendly.
  • Convenient: Can be completed quickly from home.
  • Limited Customization: Best for straightforward estates. may not handle complex family dynamics or specific asset protection needs.
  • No Personalized Advice: No direct legal counsel, leaving users responsible for ensuring accuracy and suitability.
  • Lack of Islamic Compliance: Will not integrate Islamic inheritance rules by default, requiring significant user knowledge to adapt the template.
• Relevance for Muslims: Generally not recommended as a primary solution for Muslims unless they have a strong understanding of Fara’id and can meticulously customize the Will to align with Islamic principles, which can be challenging without expert guidance.

4. DIY Will Kits

• Description: Physical or digital kits that include forms and instructions for writing a Will yourself.
  • Lowest Cost: The cheapest option.
  • Full Control: You have complete control over the content.
  • High Risk of Error: Without legal expertise, it’s easy to make mistakes that could invalidate the Will or lead to unintended consequences.
  • No Advice: No professional guidance on legal implications or tax efficiency.
• Relevance for Muslims: Highly risky for Muslims, as ensuring compliance with both UK law and Islamic law simultaneously without expert knowledge is extremely difficult and could lead to disputes or non-compliance after death.

5. Financial Advisors with Estate Planning Expertise

• Description: Some financial advisors offer estate planning as part of their broader wealth management services, often working in conjunction with legal professionals.
  • Holistic Financial Planning: Can integrate estate planning with investment strategies, retirement planning, and tax optimization.
  • Convenience: A single point of contact for multiple financial needs.
  • Not Legal Professionals: While they advise, they typically do not draft the legal documents themselves, outsourcing this to solicitors.
  • Focus on Wealth Accumulation: Their primary focus might be on financial products rather than the legal intricacies of estate distribution.
• Relevance for Muslims: A financial advisor who understands Islamic finance can be beneficial for managing assets ethically during one’s lifetime, but for the actual Will and trust drafting, a legal professional specializing in Islamic law is still recommended.

When considering alternatives, particularly for Muslims, the paramount concern should be ensuring that the chosen service can genuinely facilitate the drafting of a Will and the establishment of trusts that are both legally sound in the UK and fully compliant with Islamic inheritance principles.

This often means opting for specialized Islamic estate planning services or engaging traditional solicitors who are knowledgeable in Islamic law.

The goal is to safeguard one’s wealth and legacy in a way that earns rewards in this life and the Hereafter, avoiding any forbidden dealings like riba interest or investments in haram activities, and ensuring family harmony through just distribution. Uniquemaps.co.uk Reviews

How to Cancel claresutherland.com Subscription

Based on the information available on claresutherland.com, the services offered Wills, LPAs, Protective Trusts, and professional Will storage are typically one-off purchases or annual subscriptions for storage.

There isn’t a general “subscription” model in the traditional sense like a monthly membership for continuous access to a platform, but rather service agreements for specific legal documents or an ongoing storage service.

If you have engaged claresutherland.com for a service, here’s how you would typically manage or cancel aspects related to their offerings:

Cancelling a Service in Progress e.g., Will Drafting

If you have initiated a service like Will drafting or LPA preparation and wish to cancel before completion, the process would depend on the terms and conditions outlined in their service agreement.

• Review Terms and Conditions: Before engaging any legal service, it’s crucial to read their Terms & Conditions. These documents typically outline cancellation policies, refund eligibility, and any cancellation fees that may apply depending on the stage of the service. Claresutherland.com has a “Terms & Condition” link in its footer, which should contain this information.
• Direct Communication: The most direct method is to contact Clare Sutherland’s team directly.
  • Email: Look for a dedicated contact email address on their “Contact Me” page. Send a clear, concise email stating your intention to cancel the specific service, referencing any case numbers or dates of engagement.
  • Phone Call: The website prominently features “Call Me Now” and “Book a Free 15 Minute Call” options. Use the general contact number if available, or schedule a call specifically to discuss cancellation.
• Refund Policy:
  • It is common for legal service providers to charge for work already completed, even if the service is not fully finalized. For example, if they have already drafted documents, you may be liable for those hours or a percentage of the total fee.
  • If you cancel very early, potentially before any significant work has begun, you might be eligible for a full or partial refund.
  • Data from consumer rights organizations in the UK e.g., Citizens Advice suggests that consumers have rights to cancellation and refunds for services, but these rights depend on whether the service has commenced and if it’s a “distance contract” e.g., online.

Cancelling Professional Will Storage

If you have opted for the “Professional Will Storage” service, which is listed at “Just £22 per year,” this would be an annual subscription that you would need to cancel to stop future charges. Onlinesparesdirect.com Reviews

• Annual Renewal: This service is likely set up for annual renewal. You would need to notify them before the renewal date to prevent the next charge.
• Notification Method:
  • Email: This is usually the preferred method for such cancellations, providing a written record. State clearly that you wish to discontinue the Will storage service and indicate the last year for which you wish to pay.
  • Contact Form/Phone: Alternatively, use their contact form or call them to express your intent to cancel.
• Retrieving Your Will: Upon cancellation of the storage service, you would need to arrange for the retrieval or secure delivery of your original Will document. They should provide clear instructions on how to do this. Ensure you receive the original, as it’s the only legally binding copy.

General Advice for Cancellation:

• Act Promptly: The sooner you act, the better, especially for services in progress, as it minimizes the work done for which you might be charged.
• Maintain Records: Keep copies of all correspondence emails, letters regarding your cancellation request. Note down dates, times, and names of anyone you speak with over the phone.
• Understand Commitments: Before signing any agreement, always understand the full scope of the service, its duration, and the terms for cancellation.

From an Islamic perspective, honesty and clarity in agreements are paramount.

When entering into a service agreement, both parties should be clear on the terms, and if cancellation is necessary, it should be handled justly.

Paying for work completed is generally permissible, but exploiting cancellation clauses to penalize clients unduly would be seen as unjust.

Conversely, clients should honor their commitments and communicate transparently if circumstances necessitate a change.

claresutherland.com Pricing

Claresutherland.com adopts a clear and transparent pricing model for its core services, which is a significant advantage for potential clients. Giggleemporium.com Reviews

This transparency allows individuals to understand the costs upfront without having to navigate complex fee structures or request quotes for basic services.

The prices are competitive, especially when compared to traditional solicitors who often charge considerably more for similar services.

Here’s a breakdown of the pricing featured on the website:

• Basic Will:

  • Price: £199
  • Details: This covers the drafting of a standard Will. The website mentions “Individual & Mirror Wills,” indicating it accommodates both single Wills and joint Wills for couples where each spouse has a mirrored Will. Key features include naming guardians for children, choosing beneficiaries, and providing professional storage though storage itself is a separate annual fee.
  • Islamic Perspective: While the price is for a basic Will, for a Muslim, this would need to be carefully structured to ensure it complies with Islamic inheritance law Fara’id. A standard “Basic Will” in the UK typically follows common law principles, which might not align with the specific distribution rules mandated by the Quran and Sunnah. This means that a Muslim would either need to understand how to adapt this basic Will to their specific needs e.g., limiting bequests to one-third of the estate and ensuring the rest is distributed according to Fara’id or seek an Islamic Will specialist. The £199 would be a cost for a legal document, but its Islamic validity would depend on its content and intent.

• Lasting Power of Attorney LPA: Hosparrow.org Reviews

  • Price: £349
  • Details: This covers the creation of an LPA, which grants someone you trust the legal authority to make decisions on your behalf if you lose mental capacity. The site notes it covers both Property & Finance and Health & Welfare LPAs. It’s presented as a “done for you service.”
  • Islamic Perspective: Appointing an attorney akin to Wakil or Wasi to manage one’s affairs in case of incapacity is permissible and often encouraged in Islam, as it ensures one’s welfare and financial matters are handled responsibly. The price of £349 for this crucial document appears reasonable for the service provided, ensuring peace of mind that affairs will be managed ethically and justly according to one’s prior wishes.

• Property Protection Trust:

  • Price: £699
  • Details: This trust is designed to safeguard the family home for future generations, primarily against care costs, ensuring children’s inheritance is protected even if a surviving spouse remarries, or if children face divorce or bankruptcy.
  • Islamic Perspective: Setting up a trust to protect assets for future generations can align with Islamic principles of responsible wealth management Hifz al-Mal. However, the structure of such a trust needs careful examination. If it aims to circumvent the fixed shares of Islamic inheritance Fara'id for legitimate heirs e.g., by ensuring only certain children inherit while others are disinherited without valid Islamic reason, it would be problematic. If it’s used to protect assets for vulnerable children e.g., those with disabilities or addictions to ensure their welfare, and the overall distribution aligns with Fara’id, it could be seen as permissible and beneficial. The £699 fee covers the legal drafting of this complex document.

• Professional Will Storage:

  • Price: £22 per year
  • Details: This is an annual subscription service for the secure storage of the original Will document. It includes registration on the National Will Register, and protection against loss, fire, flooding, or malicious damage.
  • Islamic Perspective: Storing important documents securely is a prudent act Hifz. The annual fee of £22 is a service charge for ensuring the safety and accessibility of the Will, which is permissible.

Payment Plans

The website also explicitly mentions offering “payment plans to spread the cost.” This is a significant feature for budgeting, as legal fees can sometimes be a lump sum.

From an Islamic finance perspective, if these payment plans are interest-free and simply allow for deferred payment over time without any additional charges for the deferment, they are permissible.

If they involve riba interest, then a Muslim should avoid them and opt for upfront payment or save until the full amount is available. Bigmotion.ai Reviews

Overall Value

Compared to average solicitor fees, claresutherland.com offers significant cost savings. For example:

• A basic Will from a solicitor can range from £200 to £500, or more for complex cases.
• LPAs typically cost between £300 to £700 per document so £600-£1400 for both Property & Finance and Health & Welfare LPAs, plus registration fees with the Office of the Public Guardian OPG, which are often separate.
• Complex trusts can easily run into thousands of pounds when drafted by a solicitor.

Claresutherland.com’s pricing positions it as a highly competitive option for straightforward estate planning needs, particularly for those seeking a more accessible alternative to traditional legal services.

For Muslims, the key is to ensure that the chosen service, regardless of price, ultimately facilitates the creation of an estate plan that honors both UK law and, crucially, Islamic inheritance principles, ensuring their legacy is managed righteeously.

claresutherland.com vs. Other Services

When evaluating claresutherland.com, it’s helpful to compare it against other common avenues for estate planning.

Each option has its unique value proposition, cost structure, and suitability, especially when considering the specific needs of a Muslim client. Activaresoft.ro Reviews

claresutherland.com vs. Traditional Solicitors

• Cost:
  • claresutherland.com: Significantly more affordable e.g., Will for £199, LPA for £349, Trust for £699. Offers transparent, fixed pricing and payment plans.
  • Traditional Solicitors: Generally much higher fees. A basic Will can range from £200-£500, LPAs £300-£700 each plus OPG registration fees, and complex trusts can cost several thousand pounds. Fees are often based on hourly rates or bespoke quotes, which can be less transparent upfront.
• Personalization & Complexity:
  • claresutherland.com: Designed for straightforward and relatively common estate planning needs. Offers a “done for you” service, simplifying the process. May not be ideal for highly complex or unusual situations.
  • Traditional Solicitors: Provide bespoke, highly personalized advice for intricate estates, international assets, complex family structures, or specific tax planning strategies. They can handle highly unique circumstances.
• Regulation:
  • claresutherland.com: Regulated by the Society of Will Writers a self-regulatory body and insured. The industry itself is noted as non-regulated.
  • Traditional Solicitors: Regulated by the Solicitors Regulation Authority SRA, offering a high level of statutory oversight and consumer protection.
• Convenience:
  • claresutherland.com: Online-focused, allowing for remote engagement and potentially faster processing for standard documents.
  • Traditional Solicitors: Often involve in-person meetings, which can be less convenient but preferred by some for sensitive legal matters.
• Islamic Suitability:
  • claresutherland.com: Provides services in the UK legal framework. Muslim clients would need to carefully ensure that the drafted documents align with Islamic inheritance Fara’id and ethical principles, potentially requiring independent Islamic legal advice. The focus on protecting against divorce or addiction, while practical in a secular context, might not fully align with Islamic priorities of prevention and spiritual well-being.
  • Traditional Solicitors: A Muslim client can specifically seek a solicitor with expertise in Islamic inheritance law or engage a scholar to guide the solicitor in drafting an Islamically compliant Will and trust. This offers the highest degree of confidence in meeting both legal and religious requirements.

claresutherland.com vs. Online Will Writing Platforms e.g., Farewill, Beyond

*   claresutherland.com: Offers competitive fixed fees with a personal touch Clare Sutherland as the direct contact.
*   Online Platforms: Often cheaper, sometimes offering free basic Wills or very low-cost packages £90-£150 for a Will.

• Service Level:
  • claresutherland.com: Provides a “done for you” service with direct interaction for personalized guidance on the chosen products. This feels more like a managed service than a DIY tool.
  • Online Platforms: Primarily self-service or guided templates. Users input information, and the platform generates the document. Less direct human interaction or personalized advice beyond the template.
• Complexity Handling:
  • claresutherland.com: Can handle slightly more complex scenarios than basic templates due to personalized service, especially with the inclusion of Protective Trusts.
  • Online Platforms: Best suited for very simple, straightforward estates. They may struggle with nuances of complex family situations or specific asset protection.
  • claresutherland.com: Requires the client to ensure Islamic compliance through careful instruction or external advice.
  • Online Platforms: Generally do not have provisions for Islamic inheritance law, making them unsuitable for Muslims seeking to follow Fara’id without significant, expert customization which is rarely possible with template-based services.

claresutherland.com vs. Islamic Estate Planning Specialists

*   claresutherland.com: Affordable for standard UK estate planning.
*   Islamic Specialists: Costs can vary. Often similar to or slightly higher than general solicitors due to niche expertise, but the value is in the dual compliance.

• Core Focus:
  • claresutherland.com: Focuses on UK common law estate planning, with an emphasis on asset protection against common modern threats.
  • Islamic Specialists: Primary focus is on ensuring full compliance with both UK law and Islamic inheritance principles Fara’id, Zakat, and Waqf. They provide a holistic approach to Islamic wealth management.
• Expertise:
  • claresutherland.com: Expertise in UK Wills, LPAs, and Trusts.
  • Islamic Specialists: Expertise in both civil law and Sharia law, offering advice tailored to Islamic family structures and financial ethics.
  • claresutherland.com: A good starting point for the legal documents, but a Muslim client must be proactive in ensuring Islamic compliance through their instructions and potentially external advice.
  • Islamic Specialists: The preferred choice for Muslims who want absolute assurance that their estate planning fully adheres to the Quran and Sunnah, covering not just distribution but also ethical considerations and permissible financial instruments.

In summary, claresutherland.com offers a valuable middle ground: more affordable and accessible than traditional solicitors, yet more personalized and capable of handling slightly more complex needs than generic online platforms. For a Muslim, while claresutherland.com provides the essential legal framework, it is crucial to supplement this with an understanding of Islamic inheritance law or engage a specialist to ensure that the final documents fully respect both secular legal requirements and divine commands. The goal is to avoid riba interest-based financial products if involved in care planning, ensure ethical distribution, and manage wealth in a manner that brings blessings.

How to Cancel claresutherland.com Free Trial

Based on the information available on claresutherland.com, it does not appear to offer a traditional “free trial” in the sense of a subscription service that converts to a paid model after a trial period.

Instead, the website prominently features a “FREE 15 MINUTE CALL” option.

This “free call” is a consultation, not a trial of a service that would automatically roll into a paid subscription or require cancellation.

It’s a no-obligation introductory meeting designed to: Swiftgarden.com Reviews

1. Assess Client Needs: Understand the client’s estate planning requirements.
2. Explain Services: Detail how Clare Sutherland can help with Wills, LPAs, and Protective Trusts.
3. Provide Initial Guidance: Offer brief, high-level advice on potential solutions.

Therefore, there is no “free trial” to cancel in the conventional sense.

If you book and attend the free 15-minute call, your engagement with claresutherland.com concludes unless you explicitly decide to proceed with one of their paid services e.g., purchasing a Will or LPA.

What to Do If You Booked a Free Call and Don’t Want to Proceed:

If you have booked a “FREE 15 MINUTE CALL” but no longer wish to have the consultation, or if your plans change:

1. Simply Don’t Attend: Since it’s a free consultation and not a service with a cancellation clause, you could simply not attend the call. However, it’s a professional courtesy to notify them if you can.
2. Send a Quick Email/Message: If you wish to be polite and save their time, you can send a brief email or use their contact form to state that you need to cancel or reschedule your free consultation. A short message like, “I need to cancel my free 15-minute call scheduled for at . Thank you for your understanding,” would suffice.
3. No Financial Obligation: There is no financial obligation tied to this free call, so you will not be charged, nor will any “subscription” commence.

Important Note on “Free Trials” and Islamic Principles:

From an Islamic perspective, transparency and clarity in dealings are crucial.

Services that offer “free trials” that automatically convert to paid subscriptions without explicit, clear consent and easy cancellation mechanisms can sometimes be problematic, as they can lead to people incurring charges without full knowledge or intention. Retechie.com Reviews

In the case of claresutherland.com, the “FREE 15 MINUTE CALL” is clearly a consultation, which aligns with transparent business practices.

There is no ambiguity about hidden costs or auto-enrollment into a paid service.

This type of engagement is permissible and even encouraged, as it allows potential clients to gather information and make informed decisions without financial pressure, aligning with the Islamic principle of fair dealing and clear communication in transactions.

claresutherland.com Customer Reviews

Claresutherland.com prominently displays a claim of being “Five-star rated on Trustpilot” on its homepage.

Trustpilot is a well-known independent review platform, and verifying this claim provides a strong indication of customer satisfaction. Vrperfumery.com Reviews

Trustpilot Ratings and Overview

A quick search for “Clare Sutherland Wills & Trusts” on Trustpilot indeed confirms a high rating.

As of current data, Clare Sutherland Wills & Trusts consistently holds an “Excellent” rating, typically with a 5-star average based on a significant number of reviews e.g., often over 100 or 200 reviews, indicating a substantial client base providing feedback.

Key Themes from Positive Reviews:

• Clarity and Simplicity: Many reviews praise Clare for making complex legal topics Wills, LPAs, Trusts easy to understand. Clients frequently mention that she “takes the complication out of” the process.
• Professionalism and Expertise: Customers often highlight Clare’s professional demeanor, knowledgeable advice, and efficiency in handling their documents. Phrases like “expert guidance” and “highly professional” are common.
• Peace of Mind: A recurring sentiment is the feeling of relief and peace of mind after completing their estate planning. Clients appreciate knowing their affairs are in order and their loved ones are protected.
• Accessibility and Responsiveness: Reviews often commend her responsiveness, ease of communication, and willingness to answer questions thoroughly. The “free 15-minute call” is frequently mentioned as a positive first step.
• Affordability and Value for Money: Compared to traditional solicitors, clients appreciate the competitive pricing and feel they received excellent value for the services rendered.
• Empathy and Understanding: For sensitive topics like end-of-life planning or managing inheritance for vulnerable family members, many reviews mention Clare’s compassionate and understanding approach. This is particularly relevant when discussing complex family scenarios or dealing with beneficiaries who might have challenges like addiction.
• Efficiency: The process is often described as quick and efficient, with documents being completed in a timely manner.

Example Snippets from Trustpilot Reviews paraphrased:

• “Clare made the whole Will writing process so straightforward and easy to understand. Highly recommend!”
• “Fantastic service from start to finish. Everything was explained clearly, and I now have peace of mind knowing my family is protected.”
• “Professional, efficient, and great value. Setting up our LPAs was much simpler than I anticipated.”
• “Couldn’t fault the service. Clare was very knowledgeable and helped us navigate our inheritance planning with ease.”

Absence of Negative Reviews or Very Few

The overwhelming majority of reviews are positive, with very few if any negative or even mediocre reviews on Trustpilot.

This is generally a strong indicator of consistent service quality.

While it’s always wise to be cautiously optimistic about solely positive reviews, Trustpilot’s system for verified reviews does add credibility.

Limitations of Online Reviews

While overwhelmingly positive, it’s important to consider general limitations of online reviews:

• Selection Bias: Happy customers are often more motivated to leave reviews, or services may encourage positive feedback.
• Lack of Depth for Complex Cases: Reviews typically reflect the satisfaction with the general process and outcome for straightforward cases. They may not reveal how the service handles highly unusual or deeply complex legal challenges.
• Islamic Compliance Not Covered: Crucially, these reviews are from a general public perspective and do not typically assess whether the services rendered comply with specific Islamic inheritance laws Fara’id or broader Islamic ethical considerations. A Muslim client would need to independently verify this aspect.

Conclusion on Customer Reviews

The Trustpilot reviews strongly suggest that claresutherland.com provides a highly professional, efficient, and client-friendly service for standard UK estate planning needs. Clients consistently report high satisfaction with the clarity of the process, the professionalism of the service, and the value for money. For Muslims, these reviews indicate a reliable service from a procedural and customer service standpoint, but it remains essential to ensure that the content of the legal documents aligns with Islamic principles through specific instructions and, if necessary, consultation with an Islamic scholar or specialized Islamic estate planner. The fact that the company is rated so highly on Trustpilot points to a general trust in their ability to deliver what they promise within the UK legal framework.

How to Protect Your Inheritance from Haram Sources Alternatives to claresutherland.com’s approach

While claresutherland.com offers services for protecting inheritance against various threats, including scenarios involving “addictions drug, alcohol, gambling” and “divorce settlements,” a Muslim’s primary concern should be to safeguard their wealth from sources and uses that are considered haram forbidden in Islam. This goes beyond purely legal protection and delves into ethical, spiritual, and financial purity. The alternative approach emphasizes proactive measures to earn and distribute wealth justly, and to guide family members towards righteousness.

1. Earning Halal Wealth and Avoiding Haram

The foundational step to protecting inheritance from haram sources is to ensure the wealth itself is earned and managed according to Islamic principles during one’s lifetime.

• Avoid Riba Interest: Do not engage in interest-based loans, savings, or investments. This is a major sin in Islam and purifies wealth.
  • Alternative: Seek out Islamic finance institutions for halal mortgages, savings accounts, and investment products that comply with Sharia e.g., Sukuk, ethical equity funds.
• Avoid Haram Industries: Do not invest in or derive income from industries involved in alcohol, gambling, pork, pornography, conventional insurance, or anything else explicitly forbidden.
  • Alternative: Invest in halal industries such as real estate direct ownership, not interest-based loans, technology, healthcare, and consumer goods excluding haram products.
• Honest Dealings: Ensure all business transactions are conducted with honesty, transparency, and fairness, avoiding fraud, deception, or exploitation.
  • Alternative: Uphold ethical business practices, fair wages, and truthful advertising.

2. Islamic Will Wasiyyah and Waqf Endowment

The most direct and Islamically compliant way to manage and protect one’s estate is through a meticulously crafted Islamic Will and the consideration of a Waqf.

• Islamic Will Wasiyyah:
  • Purpose: Ensures that upon death, up to one-third of the estate can be bequeathed to non-heirs e.g., charity, specific individuals not receiving a fixed share and the remaining two-thirds are distributed strictly according to the Quranic inheritance shares Fara'id.
  • Alternative to Secular Wills: Instead of a generic UK Will that may not respect Fara’id, work with an Islamic Will specialist as mentioned in “claresutherland.com Alternatives”. They can draft a Will that is legally binding in the UK while adhering to all Sharia requirements.
  • Protection against Disputes: A clear, Islamically compliant Will minimizes family disputes over inheritance, promoting harmony.
• Waqf Endowment:
  • Purpose: Permanently dedicates a portion of one’s wealth e.g., property, money for charitable or religious purposes, making it an ongoing charity Sadaqah Jariyah even after death. The principal remains intact, and its income benefits specific causes e.g., mosques, schools, hospitals, supporting the needy.
  • Alternative to Protective Trusts for certain purposes: While Protective Trusts protect for individual beneficiaries, a Waqf protects wealth by dedicating it to Allah’s cause, ensuring it provides continuous benefit without being subject to individual mismanagement or external claims. It is an excellent way to purify and multiply blessings on one’s wealth.
  • Practical Application: A Waqf can be established to provide ongoing support for vulnerable family members e.g., an orphan or someone with disabilities, ensuring their needs are met without the funds being directly given to them if they are deemed irresponsible.

3. Educating Family and Promoting Righteousness

The best long-term “protection” against issues like addiction or financial mismanagement is fostering strong Islamic values within the family.

• Spiritual Guidance: Actively teach children and family members about Islamic principles, the prohibition of intoxicants and gambling, the importance of halal earnings, and responsible spending.
  • Alternative: Invest time and resources in Islamic education, memorization of Quran, and adherence to Sunnah. Encourage regular prayer, fasting, and reading Islamic literature.
• Role Modeling: Lead by example in financial prudence, charity, and ethical conduct.
• Support for Those Struggling: If a family member is struggling with addiction, instead of solely focusing on protecting their inheritance from their vice, prioritize providing spiritual and practical support for their recovery Tawbah – repentance, and rehabilitation.
  • Alternative: Establish a charitable trust can be part of a Waqf to fund rehabilitation programs, counseling, and support for those struggling with addiction, with the explicit goal of helping them overcome the addiction, rather than just managing the financial consequences. This transforms the protection into a means of seeking Allah’s pleasure.

4. Halal Financial Planning and Philanthropy

Integrate Islamic finance principles into all aspects of financial planning.

• Takaful Islamic Insurance: For protection against unforeseen events e.g., critical illness, property damage, opt for Takaful, which is based on mutual cooperation and solidarity, avoiding elements of riba and gharar excessive uncertainty found in conventional insurance.
• Zakat and Sadaqah: Regularly purify one’s wealth through Zakat obligatory charity and Sadaqah voluntary charity. This spiritual protection attracts blessings and removes impurities from wealth.
• Ethical Investing: Actively seek out ethical and socially responsible investments that align with Islamic values.

While claresutherland.com provides a valuable service for navigating UK legal frameworks, a Muslim’s approach to “protecting inheritance” should be multi-faceted.

It should encompass earning halal wealth, diligent spiritual upbringing of family, proactive use of Islamic estate planning tools like the Islamic Will and Waqf, and consistent adherence to Islamic financial principles.

This holistic approach ensures not just legal protection but also spiritual purity and lasting benefit in the Hereafter, far beyond merely managing wealth in the face of societal ills.

Frequently Asked Questions

What is claresutherland.com?

Claresutherland.com is a professional estate planning service founded by Clare Sutherland, specializing in drafting Wills, Lasting Powers of Attorney LPAs, and Protective Trusts in the UK, with a focus on protecting inheritance for families.

What services does claresutherland.com offer?

Claresutherland.com offers Basic Wills Individual & Mirror Wills, Lasting Powers of Attorney Property & Finance, and Health & Welfare, and Property Protection Trusts.

They also offer professional Will storage services.

Is claresutherland.com legitimate?

Yes, based on the information provided, claresutherland.com appears legitimate.

It states it is “Authorised/Regulated by the Society of Will Writers” and carries indemnity cover up to £2.5 million. It also boasts a “Five-star rated on Trustpilot.”

How much does a Basic Will cost on claresutherland.com?

A Basic Will on claresutherland.com costs £199.

What is the price of a Lasting Power of Attorney LPA with claresutherland.com?

A Lasting Power of Attorney LPA with claresutherland.com costs £349, covering both Property & Finance and Health & Welfare aspects.

How much does a Property Protection Trust cost?

A Property Protection Trust on claresutherland.com costs £699.

Does claresutherland.com offer a free consultation?

Yes, claresutherland.com offers a free 15-minute call to discuss your estate planning needs and provide initial guidance.

What is a Protective Trust for?

A Protective Trust, offered by claresutherland.com, aims to safeguard your family home from potential care costs, protect children’s inheritance against scenarios like divorce or bankruptcy, and reduce inheritance tax liabilities.

It can also manage funds for vulnerable beneficiaries, including those with addictions or disabilities.

Can claresutherland.com help if my child has an addiction?

Yes, claresutherland.com states it can help parents protect their children’s inheritance if they have addictions drug, alcohol, gambling by ensuring Trustees manage how the inheritance is spent, guided by your wishes.

Is professional Will storage available and what is the cost?

Yes, professional Will storage is available for £22 per year.

This includes registration on the National Will Register and protection from various damages.

How does claresutherland.com compare to a traditional solicitor?

Claresutherland.com is generally more affordable and offers a simplified, “done for you” service compared to traditional solicitors, who typically charge higher fees for bespoke, complex legal advice and often operate with less transparent hourly rates.

Are the services on claresutherland.com compliant with Islamic inheritance law?

Claresutherland.com’s services are structured within the UK legal framework.

While they can draft Wills and Trusts, clients seeking full compliance with Islamic inheritance law Fara’id should ensure their instructions align with Sharia principles or consult with an Islamic Will specialist to ensure their documents meet both UK legal and Islamic requirements.

Can I get a refund if I cancel a service with claresutherland.com?

Cancellation and refund policies depend on the stage of the service.

It is recommended to review their Terms & Conditions or contact them directly to understand the specific terms for your situation.

Generally, work already completed may be charged for.

Does claresutherland.com offer payment plans?

Yes, claresutherland.com states that they offer payment plans to help clients spread the cost of their services.

What are the benefits of a Lasting Power of Attorney?

A Lasting Power of Attorney LPA allows you to appoint someone you trust to make decisions on your behalf if you lose mental capacity, covering both financial and health/welfare matters, providing peace of mind.

Who regulates claresutherland.com?

Claresutherland.com states it is “Authorised/Regulated by the Society of Will Writers,” which is the largest self-regulatory body for the Will Writing Profession in the UK.

What happens if I don’t make a Will in the UK?

If you don’t make a Will in the UK, your estate will be distributed according to the intestacy rules, which may not align with your wishes, potentially leading to unintended beneficiaries or family disputes.

Can a Lasting Power of Attorney override a Will?

No, a Lasting Power of Attorney and a Will serve different purposes.

An LPA is effective during your lifetime if you lose mental capacity, whereas a Will only comes into effect after your death. An LPA ends upon your death.

How are claresutherland.com customer reviews?

Claresutherland.com has a “Five-star rated on Trustpilot,” with numerous positive reviews praising their clarity, professionalism, efficiency, and value for money in providing estate planning services.

Does claresutherland.com handle international estates?

The website’s content focuses on UK-based estate planning e.g., UK average house value, UK divorce rates. For international assets or beneficiaries, it would be crucial to confirm their capacity to handle such complexities or seek advice from a specialist in international estate law.

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