atom.wealthyadvisersclub.co.uk
Wills, probate and later-life planning
SWR Wills is Steven Robinson's private client practice, working alongside Atom Mortgages. Wills, lasting power of attorney, estate planning and probate support, with free home visits across Essex and East London.
The same adviser, the other half of the picture
Most people meet Steven through a mortgage. Getting the mortgage right protects the roof while you are here. A will decides what happens to it afterwards, and the two questions belong together far more often than people realise.
SWR Wills handles that second half. It is the same person you already deal with, so nothing has to be explained twice.
Everything that decides what happens next
Eight services covering the whole of later-life and estate planning. Most clients start with a will and a lasting power of attorney, then add the rest over time.
Wills
A properly drafted will that says who gets what, who looks after your children, and who carries it out. Single wills and mirror wills for couples.
Probate and estate administration
Support for families dealing with an estate after a death, from valuing assets to distributing what is left.
Lasting Power of Attorney
Property and financial affairs, and health and welfare. Put in place while you still have capacity, because afterwards is too late.
Living wills
An advance decision recording the medical treatment you would refuse, so your family are never left guessing on your behalf.
Pre-paid funeral plans
Fixing the cost of a funeral at today's prices and taking the arrangements off your family at the worst possible moment.
Estate and tax planning
Structuring what you leave behind so more of it reaches the people you intended and less is lost along the way.
Severance of tenancy
Converting a joint tenancy into tenants in common, so each of you can leave your share of the property to whoever you choose.
Trusts
Protecting assets for children, vulnerable beneficiaries or a second family, and keeping a share of the home out of reach where that matters.
Free home visits
Steven comes to you, at a time that suits, anywhere across the SS, CM, RM and IG postcodes. No office appointment and no charge for the visit.
We come to you, and the visit is free
Nobody enjoys sitting in an office discussing their own death. It is a conversation that goes far better at your own kitchen table, with a cup of tea and the paperwork you already have to hand.
Southend, Chelmsford, Romford and Ilford postcodes, covering Essex and East London. Evening appointments are available if daytimes are difficult.
- No charge for the visitThe first appointment costs nothing and carries no obligation to proceed.
- No jargonPlain English throughout. If something is not clear, we have not explained it properly yet.
- Fixed fees, agreed firstYou know what it costs before any work starts. Confirm the fee scale before go live.
- Couples seen togetherMirror wills, joint lasting powers of attorney and severance of tenancy all handled in one visit.
A member of the Society of Will Writers
Will writing is not a reserved legal activity, so anyone may lawfully offer it and plenty of people do. SWW membership is the voluntary standard that separates a professional practice from someone with a template. Membership is not optional to maintain, it is audited annually.
Two million in cover
Members must hold professional indemnity insurance of at least £2 million with an approved insurer, and prove it to the Society every year. Unregulated will writers are not required to hold any at all.
A binding code of practice
Members are bound by the SWW Code of Practice and its complaints and disciplinary procedures. The Society can order errors put right at no cost, or financial loss made good.
Audited annual training
Twenty four hours of continuing professional development every year, with sixteen structured hours evidenced at the annual audit. Membership lapses without it.
The Society of Will Writers is a self-regulatory trade body, not a statutory regulator. It does not confer FCA authorisation or the right to carry out reserved legal activities.
What happens if you do not leave a will
Dying without a will in England or Wales does not mean your family decides. It means the intestacy rules decide, using a fixed formula set out in the Administration of Estates Act 1925. The result surprises most people.
Unmarried partners get nothing
However long you lived together. A partner of thirty years has no automatic claim at all, and no automatic right to stay in the home.
The estate splits by formula
With a spouse and children, the spouse takes the personal possessions, the first £322,000, then half of what is left. The children share the other half.
Stepchildren are excluded
A child you raised from infancy but never legally adopted inherits nothing. The estate passes to biological children only.
Statutory legacy of £322,000 applies in England and Wales, in force since 26 July 2023 and unchanged for 2026/27. Scotland and Northern Ireland have their own separate rules.
Three steps, and the first one is free
We come to you
A free home visit at a time that suits. We go through your family, your property, who you want to provide for and anything that complicates it.
We draft and you check
You get the draft to read in your own time. Nothing is signed until you are satisfied it says exactly what you meant.
Signing and safe storage
We handle correct signing and witnessing, which is where most home-made wills fail, then arrange secure storage and tell you where the copies are.
Common questions
How much does a will cost?
Do I really need a solicitor to write a will?
What is a lasting power of attorney and when should I set one up?
What is severance of tenancy and why would I want it?
What is a living will?
Can you help after someone has died?
Book a free home visit
No charge, no obligation, and no need to come to us. Covering the SS, CM, RM and IG postcodes across Essex and East London.
SWR Wills, 1 Burnt Oak Lodge, 711 London Road, Hadleigh, Benfleet, Essex SS7 2EE