A simple guide to UK estate planning

From wills to trusts and Lasting Powers of Attorney — the basics, explained without the jargon.

13 May 2026 5 min read

Estate planning isn''t just for the wealthy. It''s how you make sure the people you care about are looked after, with as little stress and cost as possible.

A will is the foundation

Without a will, the law decides what happens to your estate — which often isn''t what you''d have chosen. A simple, properly drafted will is the single most useful document most adults should put in place.

Lasting Powers of Attorney

LPAs let someone you trust make decisions on your behalf if you can''t — covering either finances, health and welfare, or both. They''re only valid if registered before you lose capacity.

Trusts: useful in the right circumstances

Trusts can protect assets for vulnerable beneficiaries, ring-fence funds for children, or help with inheritance tax planning. They''re not always necessary, but they''re a powerful tool when they are.

Review regularly

Marriage, divorce, new children and significant financial changes all warrant a review. A will or LPA written 20 years ago may no longer reflect what you want.

Frequently asked questions

Do I really need a will?+

Yes — without one, intestacy rules decide what happens to your estate, which often doesn't reflect your wishes. A will is the cornerstone of any estate plan.

What is a Lasting Power of Attorney?+

An LPA lets someone you trust make decisions on your behalf if you lose mental capacity, covering finances, health and welfare, or both.

When should I review my will?+

At least every five years, and after any major life event such as marriage, divorce, the birth of a child or significant change in assets.

Suggested next steps

Take the next practical step.

Wills & Estate Planning

Protect your family with a clear plan.

This article is for general information only and does not constitute regulated financial advice. For guidance tailored to your circumstances, please speak to a Red Kite adviser.