How it Works
Writing a Will no longer need to be a stressful affair. Modern times require modern services, and Smart-Will, a trading style of Sanders Fisher Ltd offers a modern way to create and manage your Will. With Smart-Will, your Will can be created on your phone or tablet easily, securely and legally with FREE updates for life.
With a jargon-free user-friendly interface, you can create your own single or mirrored, physical or downloadable legal Will with just a few taps.
Smart-Will is the fastest, most cost-effective way to protect and maximize your family’s estate and assets within minutes. We are confident there is no other quicker way to create your last Will and Testament. Dying without leaving a valid Will can cause your family contentious legal implications and large legal bills. Smart-Will can help avoid this.
Smart-Will is perfect for people that are single, divorced, single parents, married or living together. Users can appoint executors, professional executors, leave to their loved ones gifts of specific possessions, or monetary amounts, appoint guardians and/or substitute guardians in respect of children, easily leave residue to family or specifically to whoever you wish.
We also have options for any special requests you may have in regard to your funeral preferences including leaving video messages to family and friends, and let executors know where any important documents are stored at home.
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Free, secure Will storage
Key Features
With Smart-Will, you get more than just a Will Writing service. Below are some of the key features that come with Smart-Will.
Simple Wills
Smart-Will allows you to produce a completely valid, personalised Will. Complete our simple application and Smart-Will will post out a physical Will for you to sign, witness, and return in the prepaid envelope for storage in our secure unit.
Complex Wills
If you have complex wishes you’d like to state in your Will, just select the multiple choice answers on the complexity page.
Guidance
We all have questions, it’s only natural. This section should hopefully answer some of the most frequently and commonly asked questions.
A Will makes it much easier for your family or friends to sort everything out when you die. Without a Will the process can be more time consuming and stressful. If you don’t write a Will, everything you own will be shared out in a standard way defined by the law , which isn’t always the way you might want A Will can help reduce the amount of Inheritance Tax that might be payable on the value of the property and money you leave behind. Writing a Will is especially important if you have children or other family who depend on you financially, or if you want to leave something to people outside your immediate family.
Mirrored Wills – Mirrored wills are perfect for married couples, civil partnerships or unmarried couples that virtually have identical wishes.
Smart-Will, allows you to update your Will anytime your circumstances change. Below are the most common reasons you should update your Will.
Family changes – If a baby is born you might wish to add them as a beneficiary You may wish to change gifts for all sorts of reasons, including if beneficiaries die and others need to be added instead, or beneficiaries become richer compared to others, or fall out with you, or even marry people you do not approve of!
Upon marriage – If you marry or enter a civil partnership your Will is automatically revoked and a new Will should be made. .
Divorce/Dissolution of Civil Partnership - In England and Wales, if you make a Will while married and then get divorced, your divorce can have a direct impact on the terms of your Will. While your Will does remain valid, your ex-spouse would no longer be able to benefit from it They would also no longer be permitted to act as an Executor or Trustee of your Estate This is because, for the Will, they are treated as deceased.
Separation – Review your Will as soon as possible as separation does not have the same effect as divorce/dissolution.
Financial changes – If you would like to give assets to beneficiaries that you have recently acquired, then it is advisable that you update your Will. This works both ways, if you have fallen on hard times and cannot give the specific assets written in your Will, then you need to update it also.
Inheritance tax (IHT) – If your estate has exceeded the IHT threshold (£325,000) since you last wrote your Will, then depending on what has changed, it might be a good idea to update your Will.
Moving abroad – If you plan on moving abroad and gain assets in the country of residence, it may be advisable to update your Will
By writing a will you, can precisely determine who will inherit your estate and let loved ones know you have considered their needs. Without a valid Will, your property will be distributed by law and not necessarily how you would have wished.
Writing a Will takes away added stress from the family after your death. You can choose who will benefit from your estate and who will manage your affairs after your death as executors.
If you have children under 18, you can nominate (subject to family court approval ) a guardian to decide who they live with, which schools they should go to and generally manage their wellbeing if they are left without a surviving parent or other person with parental responsibility.
If you have a preference for a burial or cremation, this can be included.
If you have substantial assets a Will gives the opportunity of reducing your Inheritance Tax liability.
In summary, it is probably true to say that every adult, who has the mental capacity to do so, should have a Will in place, and regularly review it once they have one.
If you are married or in a civil partnership, both you and your spouse/civil partner should make Wills either to ensure your spouse is the main beneficiary, and/to make sure your respective children from previous marriages/relationships receive the share of your estate you wish them to (and your spouse/civil partner avoids opprobrium, and potentially expensive legal dispute, from those children once you have gone
If you are living with a partner and not married, it is often even more important that you have Wills and name each other as the main beneficiaries as if you die without a Will ‘intestate’ the rules of intestacy will provide your partner with nothing from your estate (except anything passing outside your Will/intestacy through your joint ownership).
Before you set out to write your Will, make a list of the assets you own, and the people you would like to leave them too (beneficiaries). If you want to leave specific gifts to loved ones, think about what you could give and what might be special to someone. E.g. Maybe you would like to leave a wedding or engagement ring to your daughter, or a watch to a son that has been passed down from your father. Anything left over after payment of debts, funeral expenses, gifts of specific assets or sums of cash and administration costs, is known as the ‘residuary estate’ or simply ‘residue’. Using Smart-Will, you can either select the most common scenario of your residuary estate being inherited by your spouse/civil partner or partner, or if they have died before you, being shared equally by your children, or you can name specific people and percentage shares.
Probate means the legal process whereby a court (‘the Probate Registry, a part of the High Court, acting by one of its District Probate Registries), approves the legitimacy of a Will and issues a document called a ‘Grant of Probate’ which gives the executors named in the Will the legal authority to deal with the deceased person’s estate. The Executors, then with or without the assistance of solicitors, realise the assets of the estate, pay off its debts, and then distribute the net estate according to the instructions left in the Will. This is the ‘estate administration’.
Assets of the deceased person that pass by what is called ‘survivorship’ which are assets such as real property (ie houses, land or interests in land) or bank accounts owned in a form of joint ownership called ‘beneficial joint tenancy’ with another person, do not pass under the Will so are not part of the estate governed by the Grant of Probate.
Assets are anything a person owns of financial value, such as real and personal property, bank accounts and investments such as National Savings products and stocks and shares . Executors are also responsible for making payments of the debts and finalising the deceased’s tax position If you have been appointed as executor to administer an estate, make sure you fully understand the responsibilities of carrying out the process of estate administration as it can be a very complex task. Smart-will can find multiple fixed fee quotes if you would rather an expert take on the role.
Probate is not always necessary. If the deceased person owned bank accounts or property with another person, the surviving co-owner often will then own that property automatically. If a person dies leaving very few assets, such as personal belongings or household goods, these items can be distributed among the rightful beneficiaries without the supervision of the court. Sometimes probate is needed to:
Establish title to land, stocks and bonds, or large bank savings and loan accounts that were held in the name of the deceased person only, to be able to realise these assets and transfer them or the proceeds of sale of them to the rightful beneficiaries.
Collect debts owed to the deceased person.
Settle a dispute between people who claim they are entitled to assets of the deceased person.
Pursue legal claims on behalf of the deceased’s estate.
Resolve any disputes about the validity of the deceased person’s Will.
Help- If you need assistance with anything whilst using the app, tap the help tab then ‘talk to us’.
Testator - This is the person making the Will.
Executors - An ‘executor’ is a person or company named in your Will that takes responsibility for distributing your property or assets after your death. You must appoint at least one executor and It is important you appoint somebody who is reliable, trustworthy and is prepared to carry out their duties, sincetheir responsibility will include some tasks that may be overwhelming for some, , such as obtaining the grant of probate, completing the relevant tax forms, settling the relevant taxes, dealing with investments, or deceased’s businesses obtaining valuations and dealing with estate agents, solicitors and accountants and HM Revenue & Customs.
Smart-Will has a carefully vetted and selected network of probate administration experts in each region of the country and can provide fixed fee quotes, taking away any unnecessary stress and ensuring your net estate will not be overly reduced by more expensive professional bodies or firms.
By appointing ‘Sanders Fisher Ltd’ as executor, we will find the best expert to suit your needs at no extra cost to you. If selected, we can also find other providers for more cost saving services that in some cases are unavoidable.
Alternatively, testators can appoint anyone they feel can take on the executor role correctly such as family members or friends.
If you feel you would like to appoint a family member or friend and a professional, then there is an option to select both. With this option, family members can deal with the more personal and sensitive side of the administration and the professional can ensure the the legal and financial aspects are dealt with correctly. There is no extra cost to your Will for any of these options.
Guardians - Appointed guardians can take parental responsibility if both or all persons with parental responsibility are no longer alive. Appointing a guardian does not necessarily mean that they have to take on full responsibility to look after the child but they can make decisions about financial arrangements and the wellbeing of the children.
If you have children under the age of 16, it is wise to name a guardian to care for them in the event they are left without parents.
When choosing a guardian be sure to choose someone that can offer the best care for your children and will to accept the responsibility.
Beneficiaries - Beneficiaries are people you have named to receive gifts of possessions, gifts of money and residue.
Our application is designed to be straightforward and to clearly state who is named as a beneficiary to make the