Previous Posts - Conwy Wills and Trusts Ltd

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Trusts and Estate Planning

What trusts are available, what they do, and when they make sense Trusts are not about hiding money or playing games with HMRC. Used properly, they are legal tools that help people control who benefits from their assets, when they benefit, and on what terms. Used badly, they are expensive disappointments. Below is an overview…

23 December 2025
Your Will Doesn’t Control Everything!

Most people assume their will controls everything after death. It doesn’t. Many assets pass automatically outside the estate — including property, pensions, and joint accounts — often overriding the will entirely. This article explains what bypasses probate, why families are often shocked, and how proper estate planning brings everything back into line.

23 December 2025
Understanding Gift With Reservation of Benefit (GROB) – and How to Avoid the Hidden Tax Trap

Gifting your home or assets isn’t always the tax-saving strategy people think it is. Section 102(b) of the Finance Act 1986 means that if you still use or benefit from something you’ve gifted, HMRC treats it as still yours — creating a Gift With Reservation of Benefit (GROB). Our guide explains GROB, POAT, QIIP trusts,…

10 December 2025
Make Life Easier for Your Executors!

Billions of pounds in bank accounts and investments go unclaimed each year because executors can’t find the information they need. Our guide explains what to keep with your will — so your estate reaches the right hands, not the government or the banks.

7 November 2025
When Wills Fail. The Hidden Fortunes of Intestacy and Unclaimed Estates

Every year in the UK, hundreds of millions of pounds in money and property slip quietly into the hands of financial institutions and the Crown. Not because of fraud or wrongdoing, but because people die without valid wills, or because their heirs can’t be traced. This is the shadow side of intestacy, a system designed…

24 October 2025
Trust, Power, and Oversight: What Harold Shipman Taught Us About Professional Integrity

Few names in modern British history provoke as much horror and introspection as Harold Shipman. A respected GP in a quiet English town, he was also one of the most prolific serial killers in recorded history. His crimes didn’t just shock the public, they dismantled faith in professional self-regulation and forced every profession, from medicine…

15 October 2025
From Dreamvar to Digital ID: When Protection Becomes Control

Anyone who’s ever bought or sold a property has probably felt that twinge of frustration when their solicitor asks, yet again, for more ID. Proof of address. Proof of funds. Source of funds. Bank statements. Then, sometimes, the same all over again. It’s easy to wonder: why all the fuss? The answer lies in one…

8 October 2025
The Curtain Principle and Why Beneficiaries Need More Than Just a Form A

In English land law, the curtain principle is a cornerstone of the land registration system. It makes life simple for buyers but creates a challenge for beneficiaries who want to safeguard their interests. Let’s unpack how it works and why a standard Form A restriction is often not enough protection. The Curtain Principle – Hiding…

29 September 2025
Human Jobs Matter! AI and the Future of Human Work

In 2013, Oxford researchers Frey and Osborne warned that nearly half of jobs were at risk of automation. A decade later, the picture looks different: AI is reshaping tasks rather than replacing entire professions. With new studies like GAISI, we now know who’s most exposed — and why roles built on trust, creativity, and human…

25 September 2025
Barnett v Bem: When Good Intentions Aren’t Enough

Barnett v Bem (2012) is a cautionary tale about how even the clearest intentions can fail if a will isn’t executed correctly. Mary Bem wanted her brother to inherit everything, but because the signing formalities weren’t strictly followed, the will was ruled invalid and her estate passed under intestacy instead.

22 September 2025

Recent Posts

Trusts and Estate Planning23 December 2025
What trusts are available, what they do, and when they make sense Trusts are not about hiding money or playing games with HMRC. Used properly, they are legal tools that help people control who benefits from their assets, when they benefit, and on what terms. Used badly, they are expensive disappointments. Below is an overview… Read more: Trusts and Estate Planning
Your Will Doesn’t Control Everything!23 December 2025
Most people assume their will controls everything after death. It doesn’t. Many assets pass automatically outside the estate — including property, pensions, and joint accounts — often overriding the will entirely. This article explains what bypasses probate, why families are often shocked, and how proper estate planning brings everything back into line.
Understanding Gift With Reservation of Benefit (GROB) – and How to Avoid the Hidden Tax Trap10 December 2025
Gifting your home or assets isn’t always the tax-saving strategy people think it is. Section 102(b) of the Finance Act 1986 means that if you still use or benefit from something you've gifted, HMRC treats it as still yours — creating a Gift With Reservation of Benefit (GROB). Our guide explains GROB, POAT, QIIP trusts, and how to plan safely without triggering hidden tax traps.
Make Life Easier for Your Executors!7 November 2025
Billions of pounds in bank accounts and investments go unclaimed each year because executors can’t find the information they need. Our guide explains what to keep with your will — so your estate reaches the right hands, not the government or the banks.
When Wills Fail. The Hidden Fortunes of Intestacy and Unclaimed Estates24 October 2025
Every year in the UK, hundreds of millions of pounds in money and property slip quietly into the hands of financial institutions and the Crown. Not because of fraud or wrongdoing, but because people die without valid wills, or because their heirs can’t be traced. This is the shadow side of intestacy, a system designed… Read more: When Wills Fail. The Hidden Fortunes of Intestacy and Unclaimed Estates
Trust, Power, and Oversight: What Harold Shipman Taught Us About Professional Integrity15 October 2025
Few names in modern British history provoke as much horror and introspection as Harold Shipman. A respected GP in a quiet English town, he was also one of the most prolific serial killers in recorded history. His crimes didn’t just shock the public, they dismantled faith in professional self-regulation and forced every profession, from medicine… Read more: Trust, Power, and Oversight: What Harold Shipman Taught Us About Professional Integrity
From Dreamvar to Digital ID: When Protection Becomes Control8 October 2025
Anyone who’s ever bought or sold a property has probably felt that twinge of frustration when their solicitor asks, yet again, for more ID. Proof of address. Proof of funds. Source of funds. Bank statements. Then, sometimes, the same all over again. It’s easy to wonder: why all the fuss? The answer lies in one… Read more: From Dreamvar to Digital ID: When Protection Becomes Control
The Curtain Principle and Why Beneficiaries Need More Than Just a Form A29 September 2025
In English land law, the curtain principle is a cornerstone of the land registration system. It makes life simple for buyers but creates a challenge for beneficiaries who want to safeguard their interests. Let’s unpack how it works and why a standard Form A restriction is often not enough protection. The Curtain Principle – Hiding… Read more: The Curtain Principle and Why Beneficiaries Need More Than Just a Form A
Human Jobs Matter! AI and the Future of Human Work25 September 2025
In 2013, Oxford researchers Frey and Osborne warned that nearly half of jobs were at risk of automation. A decade later, the picture looks different: AI is reshaping tasks rather than replacing entire professions. With new studies like GAISI, we now know who’s most exposed — and why roles built on trust, creativity, and human connection, like estate planning, are here to stay.
Barnett v Bem: When Good Intentions Aren’t Enough22 September 2025
Barnett v Bem (2012) is a cautionary tale about how even the clearest intentions can fail if a will isn’t executed correctly. Mary Bem wanted her brother to inherit everything, but because the signing formalities weren’t strictly followed, the will was ruled invalid and her estate passed under intestacy instead.