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Chestnut Financial Services Ltd

10 Newark Road, Bassingham, LN5 9HA

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Protecting Your Estate

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Thanks to the improvements in medical science and general health and fitness, we are all living longer. Not surprisingly however, few of us have considered the implications of this for our hard earned savings and investments and crucially our home. Most of us assume that once we have cleared any debts or mortgages and paid our taxes, what is ours is ours.

Unfortunately nothing could be further from the truth. When the value of all assets including our homes, savings, investments and pensions are added together; unless careful planning is made these assets can be dissipated in any number of ways. Our life's work is diminished and our loved ones receive a fraction and often nothing at all of what we had originally imagined.

Long-Term Care Fees:

It has been estimated that up to 100,000 homes are sold annually to pay for Care Home Fees. Most people are devastated to see the home that they have worked so hard to pay for sold from under their feet. How your estate is arranged is crucial in deciding which of your assets are vulnerable to the local authority's means testing.


As estates become larger and larger their administration becomes more and expensive. Few would argue when they have experienced probate that it is complex and getting it wrong can cost a family tens of thousands of pounds. Keeping assets out of probate can save a lot of money whilst allowing quick and easy transfer to dependent beneficiaries.

Children's Problems:

If your children have perhaps an unstable marriage or financial problems their inheritance may merely pass through them on the way to an ex-spouse or creditor.


Unfortunately and unpalatable as we all age arranging your affairs to be flexible and secure enough to deal with such an eventuality is eminently sensible. Failure to do so can prove extremely expensive whilst depriving ourselves any influence in proceedings.

How we arrange our estate is a crucial factor and has a massive influence on how these issues affect our estate and thereby how much is eventually left to our loved ones.

Knowledge and expertise

Because estate planning is much more complex than we’re able to explain here, rest assured, we use our skills and expertise to stay up-to-date with current retirement thinking, changing legislation and new products to ensure you receive only the highest quality advice.

Further Reading

Please feel free to choose from this list of more detailed pages where you would like more information.

Retirement and Estate Planning Articles

Please Get In Touch

Please feel free to look through our services, listed under "What We Do" above. We welcome calls (our number is 01522 788887) and emails ( to see if we can help you.

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The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Estate planning is not regulated by the Financial Conduct Authority.