The Estate Planning Red Flags I Look For, So You Don’t Have To

After years of working with clients on their Wills and estate planning, I’ve developed a good eye for spotting where plans might be going wrong — or where something important is missing.

Here are just a few of the warning signs that it might be time for a review:

1. There’s No Protection Against Sideways Disinheritance

If your Will passes everything to your beneficiaries outright, it may be at risk of unintentionally leaving some of your loved ones out. Remarriage, Divorce or Insolvency of a beneficiary can all divert your assets away from your bloodline.

2. You’ve Given Large Gifts Without Advice

Gifting is a great tool, but done too early, or in the wrong way, it can create tax, hardship, or fairness issues later.

3. You Run a Business, But Haven’t Done a Business Will or LPA

If you’re a director or business owner and you lose capacity, your business could grind to a halt. LPAs and properly drafted Wills are essential for continuity and control.

4. You Have No Trusts, But Complex Circumstances

If your family includes vulnerable beneficiaries, blended relationships, or estranged members, simple Wills may not offer enough protection. Trusts can help manage risk and ensure wishes are followed over time.

5. Your Planning Is More Than 5 Years Old

Tax rules, family dynamics and legislation change over time. Even if nothing obvious has changed, it’s worth reviewing your planning every few years to make sure it still works.

If any of these apply to you, it might be time to review your plan.I’m always happy to help, no pressure, no jargon, just a conversation.

Let’s make sure your loved ones are protected, now and always.

Book your free planning review today

Make time now...for your family and your peace of mind.