Virgo Wills and Estate Planning Limited

25/03/2026

We recently used Virgo Will Estate & Estate Planning Limited for our estate planning, and we had the pleasure of working with Nilesh. From start to finish, the service we received was outstanding.Nilesh prepared our mirror wills and my husband’s Lasting Power of Attorney, and the entire process was handled with professionalism, care, and great attention to detail. Estate planning can often feel complex and overwhelming, but Nilesh took the time to explain everything clearly and in simple terms, making sure we fully understood our options before making any decisions.What really stood out was his patience and thoroughness. He carefully listened to our circumstances, discussed different scenarios with us, and ensured that our wishes were accurately reflected in the documents.We never felt rushed, and all our questions were answered promptly and clearly. His knowledge and expertise gave us complete confidence that everything had been set up properly.The process was smooth, well-organised, and stress-free from beginning to end. Communication was excellent throughout, and we felt fully supported at every stage.We are extremely pleased with the service provided and would not hesitate to recommend Nilesh and Virgo Will Estate & Estate Planning Limited to anyone looking for trustworthy, professional, and efficient estate planning services. It has given us real peace of mind knowing everything is now properly arranged for the future.From: Mr & Mrs O’Dwyer

08/03/2026

To the planners, the caregivers, and the protectors: Happy International Women’s Day. 💐

Women often carry the mental load of ensuring everyone else is okay. Today, we want to remind you to ensure you are okay, too.

The greatest gift you can give your family is peace of mind. By setting up a professional Will and establishing Trusts, you ensure that the people and causes you cherish are protected long-term. A Power of Attorney ensures your affairs are managed by someone you trust if life throws a curveball.

Secure your legacy and protect their future. Let us help you organize the crucial details so you can focus on living today.

We make your wish come true after you die, writing the last word.

✨ Virgo Wills and Estate Planning Limited

04/03/2026

𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅: 𝗧𝗵𝗲 "𝗗𝗲𝗮𝘁𝗵 𝗧𝗮𝘅" 𝗗𝗼𝗲𝘀𝗻’𝘁 𝗛𝗮𝘃𝗲 𝘁𝗼 𝗕𝗲 𝟰𝟬% 📑🛡️undefined

Inheritance Tax is often called the UK’s most disliked tax, but many people don't realise how many allowances are available to protect their estate. If you’re planning for the future, here are the essential numbers you need to know for 2026:

1. The Nil-Rate Band: £325,000 🟢
Every individual has a baseline allowance of £325,000. If your total estate (property, savings, investments) is worth less than this, there is usually zero tax to pay.

2. The Residence Nil-Rate Band: £175,000 🏠
If you are leaving your main home to your "direct descendants" (children or grandchildren), you get an additional £175,000 allowance.

Total for an individual: Up to £500,000 tax-free.

Total for a married couple: Up to £1 million tax-free (as unused allowances are transferable!).

3. The Annual Gifting Allowance: £3,000 🎁
You can give away up to £3,000 each tax year completely free of IHT. If you didn’t use last year’s allowance, you can carry it forward one year—meaning a couple could potentially gift £12,000 in one go!

4. Small Gift Allowance: £250 ✉️
You can give as many small gifts of up to £250 per person as you like, provided you haven't used another allowance on that same person. Perfect for birthdays and Christmas!

5. Wedding Gifts 💍
Planning to help with a wedding? You can give:

£5,000 to a child.

£2,500 to a grandchild.

£1,000 to anyone else.

6. Gifts from Surplus Income 📈
This is a "hidden gem." If you have more income than you need for your standard of living, you can make regular gifts of any amount. As long as it’s from income (not savings) and doesn't change your lifestyle, it falls out of your estate immediately.

Don’t leave it to the 7-year clock.
The best time to plan is now. Let’s make sure your hard-earned wealth stays with your family, not the taxman.

📞 Call Nilesh for a free, no-jargon consultation: 07700 138 137
✉️ Email: [email protected]
🌐 Visit: www.virgowills.co.uk

03/03/2026

𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝘃𝘀. 𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗧𝗿𝘂𝘀𝘁𝗲𝗲𝘀: 𝗪𝗵𝗮𝘁’𝘀 𝗕𝗲𝘀𝘁 𝗳𝗼𝗿 𝗬𝗼𝘂𝗿 𝗖𝗵𝗶𝗹𝗱𝗿𝗲𝗻? 🤔

Choosing who manages your children's inheritance is as vital as the money itself. Generally, you have two options: a Personal Trustee or a Professional Trustee. Here is how they compare:

👨👩👧👦 Personal Trustees (Family or Friends)
These are people you know and trust deeply, like a sibling or a close friend.

Pros: Usually cost-free and they understand your family’s unique dynamics and values.

Cons: They may lack legal or tax expertise. It’s also a huge time commitment that can lead to family friction or "legal limbo" if they become incapacitated.

💼 Professional Trustees (Solicitors or Trust Companies)
These are experts whose daily business is managing assets and law.

Pros: Deep expertise in tax and trust law. They are impartial, regulated, and provide continuity—a firm doesn't "pass away," ensuring long-term stability.

Cons: They charge for their services, and the relationship is purely professional rather than personal.

⚖️ The Hybrid Approach: The Best of Both Worlds
Many parents find the "perfect fit" by appointing both. By pairing a professional (for legal/tax accuracy) with a family member (for a personal touch), you ensure the trust is managed efficiently while keeping your family's heart at the center of every decision.

Choosing the right team is the cornerstone of a watertight estate plan. Don't leave your children’s financial security to chance.

Let’s find the right strategy for your family.

📞 Call Nilesh for a free, no-jargon consultation: 07700 138 137
✉️ Email: [email protected]
🌐 Visit: www.virgowills.co.uk

01/03/2026

Personal vs. Professional Trustees: What's the Difference for Your Children's Inheritance? 🤔

When you're setting up a Trust to protect your children's inheritance, a crucial decision is choosing who will manage those funds. You generally have two options: a 'Personal Trustee' or a 'Professional Trustee'. Understanding the pros and cons of each is key to making the right choice for your family.

Let's break it down:

👨‍👩‍👧‍👦 Personal Trustees (Friends or Family)
These are individuals you know and trust deeply – a spouse, sibling, close friend, or other family member.

Pros:

Cost-Effective: They typically don't charge for their services.

Personal Connection: They know your family dynamics and your children personally.

Emotional Investment: They often have a strong desire to do right by your children due to their personal relationship.

Cons:

Lack of Expertise: They may not have a solid understanding of complex trust law, tax implications, or investment management.

Time Commitment: Managing a trust can be demanding and time-consuming, which they might not be prepared for.

Potential for Conflict: Family relationships can become strained when money is involved, especially if decisions need to be made that some beneficiaries disagree with.

Mortality/Incapacity: They might become ill, incapacitated, or pass away themselves, leaving a void in the trust management.

💼 Professional Trustees (Solicitors, Accountants, Trust Companies)
These are individuals or firms whose business it is to manage trusts.

Pros:

Expertise & Experience: They possess in-depth knowledge of trust law, tax, investments, and administration.

Impartiality: They are neutral third parties, making decisions based on the trust's terms and the beneficiaries' best interests, free from family politics.

Continuity: Professional firms offer long-term stability; if one individual leaves, others in the firm can continue the work seamlessly.

Accountability: They are regulated and carry professional indemnity insurance, providing an extra layer of protection.

Cons:

Cost: They charge fees for their services, which can reduce the trust fund over time.

Less Personal: While professional, they won't have the same personal connection to your family as a friend or relative.

The Hybrid Approach: A Balanced Solution
Often, the best solution is a blend! You might appoint one professional trustee to handle the legal and administrative complexities, alongside a personal trustee who understands your family's values and your children's needs. This combination offers both expertise and a personal touch.

Choosing the right trustees is a cornerstone of effective estate planning. It's about securing your children's future with confidence.

Don't leave such crucial decisions to chance. Let's discuss the best trustee strategy for your unique family situation.

📞 Call Nilesh for a free, no-jargon consultation: 07700138137
✉️ Email: [email protected]
🌐 Visit:

Estate planning can feel overwhelming or emotional at times, that’s why we take the time to listen and explain everything clearly.

01/03/2026

Personal vs. Professional Trustees: What's the Difference for Your Children's Inheritance? 🤔

When you're setting up a Trust to protect your children's inheritance, a crucial decision is choosing who will manage those funds. You generally have two options: a 'Personal Trustee' or a 'Professional Trustee'. Understanding the pros and cons of each is key to making the right choice for your family.

Let's break it down:

👨👩👧👦 Personal Trustees (Friends or Family)
These are individuals you know and trust deeply – a spouse, sibling, close friend, or other family member.

Pros:

Cost-Effective: They typically don't charge for their services.

Personal Connection: They know your family dynamics and your children personally.

Emotional Investment: They often have a strong desire to do right by your children due to their personal relationship.

Cons:

Lack of Expertise: They may not have a solid understanding of complex trust law, tax implications, or investment management.

Time Commitment: Managing a trust can be demanding and time-consuming, which they might not be prepared for.

Potential for Conflict: Family relationships can become strained when money is involved, especially if decisions need to be made that some beneficiaries disagree with.

Mortality/Incapacity: They might become ill, incapacitated, or pass away themselves, leaving a void in the trust management.

💼 Professional Trustees (Solicitors, Accountants, Trust Companies)
These are individuals or firms whose business it is to manage trusts.

Pros:

Expertise & Experience: They possess in-depth knowledge of trust law, tax, investments, and administration.

Impartiality: They are neutral third parties, making decisions based on the trust's terms and the beneficiaries' best interests, free from family politics.

Continuity: Professional firms offer long-term stability; if one individual leaves, others in the firm can continue the work seamlessly.

Accountability: They are regulated and carry professional indemnity insurance, providing an extra layer of protection.

Cons:

Cost: They charge fees for their services, which can reduce the trust fund over time.

Less Personal: While professional, they won't have the same personal connection to your family as a friend or relative.

The Hybrid Approach: A Balanced Solution
Often, the best solution is a blend! You might appoint one professional trustee to handle the legal and administrative complexities, alongside a personal trustee who understands your family's values and your children's needs. This combination offers both expertise and a personal touch.

Choosing the right trustees is a cornerstone of effective estate planning. It's about securing your children's future with confidence.

Don't leave such crucial decisions to chance. Let's discuss the best trustee strategy for your unique family situation.

📞 Call Nilesh for a free, no-jargon consultation: 07700138137
✉️ Email: [email protected]
🌐 Visit: www.virgowills.co.uk

28/02/2026

The biggest mistake parents make with their children’s inheritance... 🏦
When setting up a Trust for your children, deciding who will manage that money is just as critical as the money itself.
In the eyes of the law, a Trustee becomes the legal owner of the trust funds. It is a massive responsibility, and unfortunately, getting the setup wrong can leave your children vulnerable.
Here are three crucial rules for selecting Trustees that every parent needs to know:
🛑 1. Never leave a friend or family member as the SOLE Trustee It is hard to imagine someone you deeply trust misusing funds. However, if both parents pass away, leaving a single friend or family member in complete, unchecked control of a large inheritance is incredibly risky. Sadly, without oversight, trust funds can be misused or drained, leaving your kids with nothing. Always build in checks and balances.
⚖️ 2. Always appoint at least TWO initial Trustees What happens if both parents were to pass away at the same time? If you haven't appointed active, backup trustees to step in immediately, your trust is left in legal limbo. Having at least two acting trustees ensures immediate continuity, shared responsibility, and mutual oversight over the funds.
⏳ 3. Future-proof your Will (and save money!) You don't want strangers managing your children's money forever. A brilliant strategy is to assign your kids as "substitute trustees" right now, but explicitly define the age they must reach (e.g., 21 or 25) before they can step into the role. This allows them to eventually take control of their own trust, and it saves you from having to pay to modify your Will later on!
There are so many nuances to protecting your hard-earned assets and ensuring they actually reach your children safely.
Don't leave your family's financial security to chance. Let's make sure your Trust is practically and legally watertight.

📞 Call Nilesh for a free, no-jargon consultation: 07700 138 137 ✉️ Email: [email protected] 🌐 Visit: www.virgowills.co.uk

27/02/2026

𝗜𝘁’𝘀 𝘁𝗵𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗻𝗼 𝗽𝗮𝗿𝗲𝗻𝘁 𝘄𝗮𝗻𝘁𝘀 𝘁𝗼 𝗵𝗮𝘃𝗲... 🧸
If the unthinkable happened, who would raise your children?
For many of us, our first instinct is to choose our closest family members, even if they live overseas. But when it comes to UK law and the immediate safety of your kids, there is a crucial logistical gap you need to plan for.
Here is what every parent needs to know about appointing Guardians in their Will:
🌍 The "Overseas Guardian" Trap If your chosen guardians live abroad, they simply cannot get to the UK fast enough in an emergency. If there is no one legally appointed to take immediate care of your children, social services or the police may have to step in temporarily. It’s a terrifying thought, but it is entirely preventable.
🤝 The Solution: You Can Appoint Multiple Guardians! You don't have to choose between local friends and overseas family. The smartest approach is to appoint a Temporary Local Guardian (like a trusted friend or neighbour) who can be there within the hour to provide immediate comfort and legal care. They can hold the fort while your Permanent Overseas Guardians arrange flights and sort out the legalities to bring your children home.
💷 Don't Forget the "Guardian Allowance" Raising children is expensive. Asking someone to take on your kids is a massive emotional and financial ask. Did you know you can set up a financial provision or "Guardian Allowance" within your Will? This allows your estate to provide a regular income or lump sum to your guardians, ensuring they aren't left out of pocket and your children’s lifestyle and opportunities are maintained.

Choosing a guardian is one of the hardest decisions you will ever make but putting it in writing brings the greatest peace of mind.

Don't leave your children's future up to chance. Let's get it legally sorted.

📞 Call Nilesh for a free, no-jargon consultation: 07700138137 ✉️ Email: [email protected] 🌐 Visit: www.virgowills.co.uk

26/02/2026

𝗜𝘀 𝘆𝗼𝘂𝗿 𝗪𝗶𝗹𝗹 𝗮𝘀 𝗰𝗹𝗲𝗮𝗿 𝗮𝘀 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸 𝗶𝘁 𝗶𝘀? 📜

Strict rules govern how a will is made, and simple errors can easily invalidate it. To protect your family's future, here are the top tips for writing a clear and legally sound Will:
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🖋️ 1. Sign & Witness Correctly: Failing to sign the will or having it witnessed incorrectly are common errors that can invalidate the entire document.
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📝 2. Be Clear with Names: Always be clear with names and avoid using nicknames or abbreviations. If you have family members with the same name, you must specify exactly which one is the true beneficiary.
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👨👩👧👦 3. Name Substitutes: Always include substitute beneficiaries. Never assume that the children of a deceased beneficiary will automatically take their parent's share, as special rules can apply.
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🚫 4. No DIY Alterations: Don't make alterations after signing. Crossing out sections later usually means those alterations will be invalid, which can lead to family conflict and court battles.
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💍 5. Marriage Changes Everything: Always remember that marriage cancels all previous wills.

Making a homemade will can be a false economy if your beneficiaries end up facing a costly legal battle to prove your true intentions in court.

Let’s get it right the first time. At Virgo Wills & Estate Planning, we make sure your wishes are legally binding and completely unambiguous.

📞 Call Nilesh for a free consultation: 07700138137
✉️ Email: [email protected]

28/01/2026

Fantastic service from start to finish. Very knowledgeable, approachable, and always available to support when needed. Made the entire Will and LPA process simple and stress-free

23/01/2026

Without a complete estate plan, trust can falter and peace of mind slips away. But when every detail is covered, clients feel secure, understood, and confident their legacy is protected. Estate planning isn't just paperwork—it's a promise kept.

22/01/2026

Complex families need more than a standard will. Personalized estate planning ensures your unique story is honored and your loved ones protected—no surprises, just peace of mind.