Estate Planning

Don’t put off estate and trust planning to another day

At Flex Estate Planning Ltd, we can work with you to establish trusts and estate-plans to help you manage property during life while ensuring a smooth transition of affairs after death. Estate planning is the process of anticipating and arranging, during a person’s life, for the management and disposal of that person’s estate during the person’s life and at and after death, while minimising gift, estate, generation skipping transfer, and income tax.

Flex Estate Planning Ltd can also help you plan for incapacity, as well as a process of reducing or eliminating uncertainties over the administration of a probate and maximising the value of the estate by reducing taxes and other expenses.

Supporting your estate and trust planning

At Flex Estate Planning Ltd we make estate planning as straightforward as we possibly can. We know that it’s probably one of the most intimate and sensitive conversations you can have. Flex Estate Planning Ltd offer a dynamic, personal and affordable estate planning and trust service that includes wills, lasting power of attorneys and trusts. Flex Estate Planning Ltd is committed to ensuring you, your loved ones and your valuable assets are protected by quality, independent advice and the solution that’s right for your circumstances. Flex Estate Planning Ltd can support you with the following;

FLIT – flexible life interest trust

A FLIT is a trust created on the death of the first spouse. The assets of the deceased are held in a trust that pays any income generated to the surviving spouse for their lifetime. As this is treated as an outright gift to the surviving spouse, it does not create a tax charge and does not use any of the IHT allowance of the deceased spouse.

discretionary trust

This is a legal arrangement where the trustees hold property or other assets on behalf of the beneficiaries, which may be in the form of cash, property, house or more specialist investments. The property is then stated in a persons Will and a discretionary trust is set up.

disabled discretionary trusts

A Disabled Discretionary Trust is a specialist trust within a person’s will for the benefit of a disabled child or adult to ensure they are looked after the testators (your) death. It can be tax efficient as well as providing for the needs of the disabled beneficiary. This type of trust is intended for beneficiaries who are registered as disabled and who are unable to manage their own affairs by way of mental or physical disability.


When making a will, it is often easy to overlook children provisions if your child is under 18, if you are the last surviving parent of an under 18 and no guardianship appointed, this could be decided by a court. If you have a will with child guardianship in place this will ensure your wishes are followed.

gifts during lifetime

Gifts during lifetime are when a client wishes to reduce their estate or give gifts to individuals during their lifetime. These types of trusts are regulated by the Law Society and they provide the opportunity for a person to make a gift of money, property or virtually almost anything to another person during the lifetime.

property and asset protection

Bloodline planning makes sure your assets reach the people you want them to, eg children, grand children, other relatives no matter their marital status. Without bloodline planning, it can be considered that assets form part of the deceased estate and could be lost to any owing creditors, tax or divorce settlements.

a life interest trust

Where the testator (you) wishes to preserve the assets you have but provide them to a spouse, partner or other person. The life interest in trust gives the tenant an interest in the property for life. On death, the life assets are then split between the beneficiaries.

lasting power of attorney

A Lasting Power of Attorney is a legal document that lets you (the ‘donor’) appoint one or more people (known as ‘attorneys’) to help you make decisions or to make decisions on your behalf.

This gives you more control over what happens to you if you have an accident or an illness and cannot make your own decisions (you ‘lack mental capacity’).

pre-paid funeral plans

With funeral costs rising year on year, having the funeral expense taken care of years in advance can ease any future burden it may bring to your loved ones. By funeral pre-planning, you have the benefit of planning your funeral how you wish for it to take place and taking any difficult or uneasy decisions away from your family.

Request free consultation

Will writing/estate planning are referred to a third party of whom is Flex Estate Planning Ltd.

Neither Flex Financial Ltd nor PRIMIS Mortgage Network are responsible for the advice received by Flex Estate Planning Ltd.

How do we work?

Initially, we provide a no-obligation chat to understand your estate planning at a high level. Should you wish to progress the consultation, then we can either arrange a home visit or (for the more technically literate) a Skype, Facetime or Whatsapp meeting at a time that’s convenient to you. These digital options are useful for those with busy diaries.

At Flex Financial, we actively encourage close family members to participate in your estate planning – so get the tea and biscuits ready. Our fees are fixed and with no hidden surprises. So, you know what you are paying before we proceed with any work.

Lets chat, and start the process of putting your affairs into more order.

Request free consultation

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Post to us

33, Henry Crescent,
Rochford, Essex, SS4 1GU

Phone us

020 8133 6698

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Jotsan Shrestha
Jotsan Shrestha
14:32 23 Apr 20
Stephen was our first mortgage advisor when we bought the house. We were first buyers that time so everything was new for us and it was almost nerve recking to do everything by ourselves considering... our hectic work schedule. From day one we met, Stephen was very professional, thorough with his advice and helped us to secure a nice deal which were merely possible doing it ourselves. Now, without any hesitation we contacted Stephen as our current deal were about to expire. Despite of the pandemic situation, Stephen helped us to secure a much better deal and extremely faster than we could imagine. There are no words to express gratitude to Stephen and anyone in the situation that we were two years ago should contact him for stress free more
Suzanne Kay
Suzanne Kay
13:40 14 Dec 19
What can I say, Steve is very professional and went above and beyond what I thought a mortgage adviser would do, supporting me from start to finish with getting my mortgage. He Always explained... everything simply for me to understand. He listened to my needs, and got the best mortgage that suited my situation perfectly, always ready to answered any queries I had, and ready to reassure when I was nervous. He made what would have been a daunting experience simple, giving me complete confidence with him. I’d definitely recommend this company highly!read more
Andrew Miller
Andrew Miller
20:10 11 Dec 19
With my own business, I was concerned what options I’d have available for re-mortgaging. I’d heard horror stories about self-employed mortgages, but Steve was able to secure me 7 viable providers... that would probably accept me. Then bingo, we were accepted with our 1st application and went through in about a monthread more
Alfie M
Alfie M
17:34 11 Dec 19
My family have used Steve about remortgage options and possible future move. Steve gave us excellent advice in a clear manner and one which we could understand without the Jargon. We are now fully... aware of our options and what we would need to do in advance should we decide to move. Thanks 🙂read more
Hannah Louise
Hannah Louise
07:56 10 Dec 19
Following our mortgage, Steve at Flex Financial arranged our protection cover. He gave up his Friday night to arrange this as it was the only time I was available. He understood my priorities, fully... explained all my options, costings (including working to my budget) in a friendly and professional manner. Would 100% recommend to all my family and more
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While we have made every effort to provide accurate information, the law is always changing and affects each person differently. This information is not a substitute for specific advice about your situation and we will not be liable to you if you rely on this information. Flex Financial is affiliated with Beneficial trust and wills company Ltd of whom are members of the Society of Will Writers and Institute of Professional Willwriter’s. Our solicitors are also approved by the Solicitors Regulatory Authority. Flex Financial Ltd is a company registered in England and Wales (company number 11061765 ) whose registered office is at Sutherland House, 1759 London Road, Leigh On Sea, Essex, United Kingdom, SS9 2RZ. Trading Address: 33 Henry Crescent, Rochford, Essex, SS4 1GU.

Will writing/estate planning are referred to a third party of whom is Flex Estate Planning Ltd. Neither Flex Financial Ltd nor PRIMIS Mortgage Network are responsible for the advice received by Flex Estate Planning Ltd.