Wills & Financial Planning

Care Fees Funding

Many people are confused by the myriad of ways in which care costs can be funded.

Payment of your care fees, whether you are receiving that care in your own home, or in a care home, can be made either by you, your local authority, your health authority, members of your family or any combination of those. How this is decided depends upon the type of care you need, your financial means and the type of home you go into. This Guide aims to give you some basic information regarding these different forms of funding.

Financial Advice

As solicitors, we are not authorised to give financial advice. Although a lot of the legal advice that we give has a financial benefit, for example helping you to save tax or care fees, or showing you the best way to pass wealth down through the generations of your family, this is not the same as advising you as to which financial products are best for your circumstances.

Nuptual Agreements for Wealth Planning

Following the decision in the Radmacher case in the Supreme Court, the use of Pre-nuptial and Post-nuptial arrangements will increase and they have become a vital tool in the area of wealth planning, not just for our divorce clients.

Providing for People Lacking Mental Capacity

At Onions & Davies, we have a number of clients who care for someone who is unable to care for themselves. This may be due to some form of physical incapacity or it may be due to some form of mental incapacity.

Quite naturally, they are worried about what will happen when they die, or become ill themselves and are therefore unable to continue providing that care.

Tax Planning Through Wills

When people speak about tax planning, they are usually referring to arranging their affairs to plan for the possible payment of inheritance tax, although other taxes should also be taken into consideration at the same time.

Since inheritance tax is a tax which is usually payable when somebody dies and the making of a Will is the best way of planning what will happen when you die, the two subjects go together well.

Why Should You Make a Will

It is so easy to put off making a Will but it is the only mechanism open to you to ensure that your wishes as to the disposal of your money and property on your death are properly expressed and followed through.

If you die without making a Will, the law imposes its own rules (Intestacy) which could mean that relatives or others inherit in an unintended way. A Will enables you to put the person (or persons) of your choice in control of your affairs after your death. If you do not make a Will the person who ends up dealing with your estate could be unsuitable.


No matter how young or old you are, every adult should have a Will. Even when you have a Will in place, it is important to review its contents every two to three years. You should also review your Will when a major event happens in your life.

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For a quote on various fixed fee matters please click on the appropriate form below :

Residential property (sales or purchases) quote form
Wills quote form
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Please contact us for more information.