# Inherita > Estate planning, will writing, LPAs, trusts, inheritance-tax planning and probate support for England and Wales. Our priority local areas are Chigwell, Buckhurst Hill, Loughton, Essex and London. ## Business facts - Website: https://inherita.co.uk - Telephone: 020 8798 0270 - Published local office: 2 York House, Langston Road, Loughton, Essex, IG10 3TQ. Arrange an appointment before visiting. - Telephone and video consultations are available. - Service coverage does not mean there is an office in each town or London borough. - Prices and scope: [Current pricing](https://inherita.co.uk/pricing). Government and third-party fees may be separate. ## Local planning guides - [Will Writing & Estate Planning in Chigwell | Inherita](https://inherita.co.uk/estate-planning/chigwell): Inherita helps people in Chigwell plan their wills, lasting powers of attorney, trusts and inheritance tax considerations. Our Loughton office serves the area, with telephone and video consultations available. Start with the people you want to provide for, the assets you own and the decisions you want recorded. - [Will Writing & Estate Planning in Buckhurst Hill | Inherita](https://inherita.co.uk/estate-planning/buckhurst-hill): Inherita provides will writing and estate-planning support for Buckhurst Hill, including lasting powers of attorney, trusts and inheritance-tax considerations. Consultations can be arranged by telephone or video, or through our Loughton office. Get practical help with what you own, who should inherit and who could make decisions if you could not. - [Will Writing & Estate Planning in Loughton | Inherita](https://inherita.co.uk/estate-planning/loughton): Inherita's published local office is at 2 York House, Langston Road, Loughton, IG10 3TQ. We help with will writing, lasting powers of attorney, trust planning, inheritance-tax considerations and probate support. Arrange an appointment or speak to us by telephone or video to turn your family priorities into practical next steps. - [Will Writing & Estate Planning in Essex | Inherita](https://inherita.co.uk/estate-planning/essex/): Inherita supports families and business owners across Essex with will writing, estate planning, lasting powers of attorney, trusts and inheritance-tax considerations. Our local office is in Loughton, with telephone and video consultations available. Start with a focused question or arrange a wider review of your family and financial affairs. - [Will Writing & Estate Planning in London | Inherita](https://inherita.co.uk/estate-planning/london/): Inherita helps London families and business owners with will writing, estate planning, lasting powers of attorney, trusts and inheritance-tax considerations. Telephone and video consultations make it possible to start without travelling to our Loughton office. We help identify the documents and decisions relevant to your own circumstances. ## Services - [Will writing](https://inherita.co.uk/services/will-writing): A will records who should inherit, who will act as executor and, where appropriate, guardians for children. In England and Wales it must meet signing and witnessing requirements. Tell your adviser about dependants, joint ownership, previous marriages and any overseas assets before drafting. - [Estate planning](https://inherita.co.uk/services/estate-planning): Estate planning coordinates wills, property ownership, beneficiary nominations and decisions about incapacity. It starts with your family priorities and a review of assets and liabilities. Tax planning is one consideration, not the only reason to put a plan in place. - [Trust planning](https://inherita.co.uk/services/trust-planning): A trust lets trustees manage assets for beneficiaries under defined terms. It can be useful for a specific family need, but is not automatically appropriate or tax-efficient. Ask about trustee duties, access to assets, registration, ongoing administration and possible tax charges before proceeding. - [Inheritance tax planning](https://inherita.co.uk/services/iht-planning): Inheritance tax planning starts with the value and ownership of your estate, gifts and intended beneficiaries. The normal nil-rate band is £325,000 and the standard rate is 40% above available allowances. A residence allowance or other exemptions may apply, but eligibility matters and savings cannot be guaranteed. - [Probate support](https://inherita.co.uk/services/probate-services): Probate and estate administration deal with a person's assets and liabilities after death. Whether a grant is needed depends on how assets are held and the requirements of the organisations involved. Identify the executors, locate the will and establish what work needs to be done before agreeing the scope of support. - [Lasting power of attorney](https://inherita.co.uk/services/lasting-power-attorney): An LPA appoints people to make certain decisions if you need their help. There are separate property and financial affairs, and health and welfare LPAs. You must have mental capacity when making one, and it must be registered before use. Discuss attorneys, replacements and any instructions carefully. - [Care fee and later-life planning](https://inherita.co.uk/services/care-fee-protection): Later-life planning considers how care could be paid for, access to funds and who could make decisions. No will, trust or property transfer guarantees that a home will be disregarded in a care assessment. Get appropriate advice on costs, benefits and the consequences of any proposed arrangement. ## Enquiries and learning - [Contact Inherita](https://inherita.co.uk/contact) - [Request a free 45-minute consultation](https://inherita.co.uk/consultation) - [About Inherita](https://inherita.co.uk/about) - [Estate planning resources](https://inherita.co.uk/blog) ## Official sources and qualifications - [GOV.UK: making a will](https://www.gov.uk/make-will) - [GOV.UK: lasting powers of attorney](https://www.gov.uk/power-of-attorney) - [GOV.UK: inheritance tax thresholds and allowances](https://www.gov.uk/inheritance-tax) - [GOV.UK: trusts and taxes](https://www.gov.uk/trusts-taxes) - [GOV.UK: applying for probate](https://www.gov.uk/applying-for-probate) - [GOV.UK: inheritance when someone dies without a will](https://www.gov.uk/inherits-someone-dies-without-will) - This is general information, not personalised legal or tax advice. - Wills, trusts and asset transfers do not guarantee inheritance-tax savings or protection from care fees. - An LPA is a separate document from a will and must be registered before use. ## Chigwell If you own a home and have children, a will should do more than list beneficiaries. Consider who would act as executor, who would care for children under 18 and whether an inheritance should be managed until they are ready to receive it. The right starting point is your family circumstances, not a standard trust package. A second marriage or blended family can create different priorities for a surviving partner and children from a previous relationship. Discuss ownership of the home, existing wills and whether a life-interest arrangement would be appropriate. Any trust needs careful drafting and an explanation of its costs, duties and tax consequences. For Chigwell homeowners concerned about inheritance tax, consider the whole estate rather than the property alone. Available allowances depend on personal circumstances and who inherits. A will or trust does not, by itself, guarantee an inheritance-tax saving. ### Before a consultation - Names of intended guardians, executors and beneficiaries - How your home is owned and any outstanding mortgage - Existing wills, marriage history and any overseas assets - Questions about providing for a partner and children together ### Can you help with will writing in Chigwell? Yes. Inherita serves Chigwell from its Loughton office and offers telephone or video consultations. We begin by discussing your family, assets, executors and wishes, then explain the scope and cost of drafting. ### How do I provide for children from a previous relationship? Explain all beneficiaries and your partner's needs before drafting a will. Home ownership, outright gifts and some trust arrangements can have different effects. Ask for a tailored explanation rather than assuming a standard will protects everyone in the same way. ### Do you have a separate Chigwell office? Our published local office is in Loughton: 2 York House, Langston Road, IG10 3TQ. We serve Chigwell, but do not claim a separate Chigwell branch. Call to arrange a suitable consultation. ## Buckhurst Hill If you own a property together, find out whether it is held as joint tenants or tenants in common. Those arrangements affect what happens to an owner's share after death. Do not assume a will overrides the way a jointly owned asset passes; bring the ownership information to your consultation. Unmarried partners should not rely on the same inheritance assumptions as spouses or civil partners. Recording your wishes in a valid will is especially important where a partner, children and other relatives could have competing expectations. Pension nominations and insurance beneficiaries may also need a separate review. Planning for incapacity is a different task from deciding who inherits. Discuss both types of lasting power of attorney, suitable attorneys and replacements. Being someone's partner does not automatically give you authority to manage all of their individual finances. ### Before a consultation - Land Registry ownership information if available - Whether you are married, in a civil partnership or cohabiting - Existing pension and insurance beneficiary nominations - The people you would trust to act as attorneys ### Can an unmarried partner rely on inheriting without a will? An unmarried partner is not automatically entitled to inherit under the intestacy rules in England and Wales. A valid will helps record your intentions. Joint assets, dependency and possible claims need separate consideration, so seek advice on your circumstances. ### Does joint ownership mean we do not need wills? No. The way the property is owned can affect what happens to it, but a will also covers other assets, executors, guardians and beneficiaries. Joint ownership and wills should be considered together. ### Where can Buckhurst Hill residents speak to Inherita? Contact our Loughton office on 020 8798 0270 to arrange a consultation. Telephone and video appointments are available; there is no separately advertised Buckhurst Hill office. ## Loughton You do not need a complete inventory or finished plan before speaking to us. A broad list of assets, debts and intended beneficiaries is enough to begin. Tell us about existing wills or LPAs so we can discuss whether an update, replacement or a wider review would be appropriate. If you run a business, separate your personal estate planning from the business's own succession arrangements. Shareholdings, partnership agreements, key decision-makers and access to records may need review alongside your will. Do not assume a personal will resolves every business ownership issue. For an executor dealing with a death, keep estate administration separate from making a new will. Bring the existing will, available asset information and any urgent correspondence. Whether a grant of probate is needed depends on the estate and the organisations holding its assets. ### Before a consultation - Your existing will, codicils and LPAs if available - A broad list of assets, debts and ownership details - Business ownership documents where relevant - Your main questions and preferred appointment format ### Where is Inherita's Loughton office? The published address is 2 York House, Langston Road, Loughton, Essex, IG10 3TQ. Please call 020 8798 0270 to arrange an appointment rather than assuming walk-in availability. ### What should I bring to an estate-planning consultation in Loughton? Bring any existing wills or LPAs, a broad list of assets and liabilities, and the names of intended beneficiaries, executors or attorneys. You can begin with approximate information and discuss what documents will be needed later. ### Can a business owner use a standard family will? A standard document may not address ownership restrictions, succession agreements or how business interests should pass. Discuss your shareholdings or partnership arrangements and whether specialist legal or tax input is needed. ## Essex For an Essex family with property, savings and business interests, a will is one part of the picture. Ownership arrangements, insurance nominations, attorney appointments and records for executors should fit together. Review the documents after a move, marriage, separation or a change in family circumstances. Business owners and families with land should ask how those assets are owned and what specialist advice is needed. Tax reliefs have eligibility conditions and can change; do not assume every business or landholding qualifies. We discuss the issues and the scope of any further advice before implementation. Care and later-life planning should address practical support, affordability and who can make decisions. Transferring a home or using a trust is not a guaranteed way to avoid care costs. Look at the consequences for access to funds, tax and the people who will manage the arrangement. ### Before a consultation - Property, business and other assets, including ownership shares - Documents held by different advisers or family members - Any planned gifts or existing trust arrangements - A priority list: family provision, incapacity, tax or administration ### Do you offer will writing across Essex? Yes. Inherita serves Essex from its Loughton office and can arrange telephone or video consultations. Our local coverage includes Chigwell, Buckhurst Hill and nearby areas; contact us about the appointment format that suits you. ### Is estate planning only about inheritance tax? No. It also covers who inherits, guardians for children, trusted executors, planning for incapacity and the information your family would need. Tax considerations depend on your estate and circumstances. ### Will a trust automatically protect my home from care fees? No. A trust or transfer does not guarantee that assets will be ignored in a care assessment. Authorities may consider deliberate deprivation of assets. Ask for an explanation of the risks and obtain appropriate independent advice before transferring property. ## London London estate planning can involve a main home, investment property, pensions and business assets held in different ways. Start with ownership and beneficiary information rather than assuming all assets pass under a will. A coordinated review can identify issues that one document alone would miss. If you or your beneficiaries have assets or connections outside England and Wales, say so at the outset. Overseas property, residence and existing foreign wills can require specialist advice in more than one jurisdiction. Do not assume an English will or LPA is automatically effective everywhere. Trust discussions should begin with a specific objective: supporting someone vulnerable, managing an inheritance for younger beneficiaries or balancing family needs. Trustees take on real responsibilities, and trusts can create tax and reporting obligations. Compare the options and costs before deciding. ### Before a consultation - UK and overseas assets, with ownership and residence details - Pension nominations, insurance policies and existing wills - Any beneficiaries needing extra support or managed inheritances - Executors and attorneys able to act when needed ### Can I arrange an estate-planning consultation in London remotely? Yes. Inherita offers telephone and video consultations for London clients. Our published local office is in Loughton, Essex; we do not list a branch in every London borough. ### Does making a will remove inheritance tax on a London property? No. Inheritance tax depends on the estate, available allowances, beneficiaries and other circumstances. A will records your wishes and may form part of planning, but does not itself make the estate tax-free. ### Can one will cover property in more than one country? Sometimes, but cross-border estates need careful advice. Different countries may have different succession, tax and document requirements. Explain overseas assets and any existing foreign wills before changing your plan.