Category Archives: Private Client

Paying for Care: Deliberate Deprivation of Capital …. Or is it?

March 22, 2018 | Lynne Lind |

Paying for care: Deliberate deprivation of capital …. Or is it?

An English Local Authority has recently been criticised for refusing to pay an elderly woman’s residential care fees when it learned that she made regular cash gifts to her family after moving into a care home. They believed this to be a deliberate deprivation of capital. What is a deprivation of capital? The Local Authority … Read More >>

Your Will – The digital age and digital assets

January 31, 2018 | Ailidh Ballantyne |

digital assets

Is the digital era making our lives much simpler and easier? Well, not necessarily when it comes to completing your Will.  When we think about making our Will, very few of us realise that digital assets can be included. With the emergence of Bitcoin for instance, it may be that this type of cryptocurrency will … Read More >>

Know your Inheritance Tax Gift Exemptions

December 7, 2017 | Ailidh Ballantyne |

inheritance tax

Life can be taxing at times, no more so than on death. So it is important to consider the potential inheritance tax implications which can arise upon your death. When you die, Inheritance Tax may be payable on your estate. Each person has a Nil Rate Band of £325,000, meaning that any assets up to … Read More >>

Is my English Will valid in Scotland?

November 28, 2017 | Ross Wallace |

is my english will valid in Scotland

Most people know that there are a number of differences between the Law of England (and Wales) in comparison to the Law of Scotland. We are often asked by people who have made a Will in England and now live in Scotland; ‘is my English Will still valid in Scotland?’ The simple answer is generally … Read More >>

Are you ready to be a first time buyer?

November 22, 2017 | Gavin Pearson |

first time buyer

5 Tips for a First Time Buyer Buying your first home is an emotional experience – it can be joyous, stressful and frustrating, amongst other things. Our goal is to limit, if not eliminate, the negative emotions and make the experience something you WANT to remember. Here are a few, sometimes overlooked, tips for first … Read More >>

The Importance of Having a Will

November 15, 2017 | Gavin Pearson |

Importance of having a will

Do you have a Will? Do you know the importance of having a Will? If not, why not? Do the reasons include not knowing what a Will does, the possible cost, that you don’t have time, that you don’t think you need one, that you think you’re too young? Let’s address these possible concerns: Don’t … Read More >>

I’M PERFECTLY CAPABLE! I don’t need a Power of Attorney!

October 26, 2017 | Ailidh Ballantyne |

“I’m perfectly capable”. “I can manage, don’t worry”. I don’t need a Power of Attorney. None of us likes to think that there will come a time when we cannot manage our own affairs. Despite reminders from our families, it is not always easy to admit that we may require a little help. Contrary to popular belief, should you

“I’m perfectly capable”. “I can manage, don’t worry”. I don’t need a Power of Attorney. None of us likes to think that there will come a time when we cannot manage our own affairs. Despite reminders from our families, it is not always easy to admit that we may require a little help. Contrary to … Read More >>

Do I really need a Will?

October 10, 2017 | Ailidh Ballantyne |

Do I really need a Will

“It’s ok, don’t worry. My wife will get everything”. These words are uttered more than any other when someone dies without a Will. It is a common misconception that should you die without having made a Will that your spouse will receive your entire estate. Indeed, it doesn’t matter if you have only been married … Read More >>

Paying for Care – What is deliberate deprivation of capital?

October 2, 2017 | Ailidh Ballantyne |

paying for care

With one in four of us likely to need care in our old age, the issue of paying for care home fees has never been more common. Exploring options to reduce capital/savings/assets has become popular, including placing property into trust. Is this an attractive way of avoiding care fees? For example, take a lady who … Read More >>

Buying from a builder

September 4, 2017 | Katharine Smith |

buying from a builder

Buying from a builder is appealing to home buyers for a number of reasons: Many people like the fact that they will be the first to live in the property Repairs and redecoration costs should be minimal for the first few years Buyers can often select fixtures and fittings to tailor the property finish to their taste New … Read More >>

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