Every professional adviser wants the best for their clients. Whether you’re helping them grow their wealth, protect their investments, or plan for a comfortable retirement, your goal is simple: to make their financial lives stronger, safer, and more rewarding.
But here is a question you might not ask often enough: what happens to all that effort when the client is gone?
The Missing Piece in Financial Planning
So much of your work revolves around building and protecting wealth. Yet, without a valid Will, everything your client has built is left at the mercy of intestacy laws; a rigid legal framework that decides who gets what, without knowing their story, their relationships, or their intentions.
Under those rules:
• All personal goods and chattels automatically pass to the surviving spouse, even in blended families.
• If the estate is worth over £322,000, the first £322,000 plus all personal items go to the spouse, and the rest is split between the spouse and children.
• If the estate is below that amount, children may receive nothing at all.
Now imagine your client has remarried. Everything, including those deeply personal items, the things that hold the most emotional value, could legally go to their new spouse, not to the children they raised.
And that is where money stops being the story. Because inheritance is not just about financial assets, it is about memories, meaning, and the lasting impact of someone’s life.
A Story That Should Never Repeat
One of our advisors shared a heartbreaking example. A client’s father passed away without a Will. His new wife refused to hand over any of his personal tools and belongings to his children, even though those items represented years of shared memories. With no Will in place, there was no legal right for the children to claim them. Those cherished connections ended up in a skip; a lifetime of sentiment lost because no one had guided him to protect it properly.
This Is Where Professionals Like You Make the Difference
You already protect your clients’ money. But are you protecting their intentions?
Encouraging your clients to have a valid, well-drafted Will in place is one of the most meaningful ways to complete the picture of true financial care.
It ensures:
• Their assets are distributed exactly as they wish.
• Sentimental items are safeguarded for the right people.
• Blended families are treated fairly.
• Their legacy reflects their values, not default legislation.
And just as importantly, it provides their families with clarity at the time they will need it most which reduces conflict, confusion, and emotional distress.
The Real Measure of Value
Clients will trust you with their money because they believe you care about their wellbeing, not just their balance sheet. Extending that care beyond life itself shows that you understand what financial security really means: protecting not only what clients have, but who they love.
It’s about legacy, not liability.
It’s about care, not control.
Let’s Work Together
At Secure Inheritance, we work alongside professional partners across the UK to help clients achieve complete peace of mind. From simple Wills to more complex estate planning for blended families and business owners, our team ensures your clients’ wealth and their wishes are protected.
So next time you meet with a client, ask yourself this:
You have helped them build their wealth, but have you helped them secure what truly matters when they are no longer here?
Because caring about your clients’ money is important.
But caring about their feelings? Well that’s what defines real professional trust.
