August 31, 2025
At Matrix Estate Planning Limited, we understand that most of our clients come to us at a pivotal moment in life—typically aged 50 and above—when the importance of putting their affairs in order becomes clear. Whether prompted by the passing of a loved one, a family member entering residential care, or simply a conversation with friends about future planning, this stage of life brings with it a desire for clarity, control, and legacy.
Estate planning isn’t just about paperwork. It’s about protecting your home, your family, and your wishes. It’s about ensuring that after a lifetime of hard work, your estate is passed on to your children—not swallowed up by care fees or unnecessary taxes.
Located in the heart of South Anston, Sheffield, our air-conditioned office at Number 4 Orchard Gardens provides a comfortable, confidential space to discuss your future. We offer a comprehensive estate planning service, including:
• ✅ Will drafting and updates
• ✅ Lasting Power of Attorney (LPA) arrangements
• ✅ Protective Property Trusts
• ✅ Inheritance Tax Planning
• ✅ Advice on care fee mitigation strategies
Call us today on 07786 361139 or (01909) 566097 to book your consultation.
Understanding Wills: Why You Need One
Many clients come to us having never drafted a will before. Often, they’ve recently lost a parent or seen a loved one enter care, and they realise the importance of having their own affairs in order. A professionally drafted will ensures:
• Your assets go to the right people
• You avoid family disputes
• You appoint guardians for minor children
• You can include protective trusts for vulnerable beneficiaries
Life changes—marriages, divorces, grandchildren, property purchases. If your will is more than five years old, it’s time for a review. We ensure your will reflects your current wishes and complies with the latest legal standards, including STEP best practices.
Lasting Power of Attorney: Protecting Your Decision-Making
A Lasting Power of Attorney allows you to appoint someone you trust to make decisions on your behalf if you become unable to do so. There are two types:
• Property & Financial Affairs LPA – manages your money, bills, and property
• Health & Welfare LPA – makes decisions about your care and medical treatment
Clients often worry about losing control if they become ill or incapacitated. By arranging an LPA now, you:
• Avoid court-appointed deputies
• Choose someone you trust
• Ensure your wishes are respected
• Reduce stress for your family
Protecting the Family Home: The Role of Protective Property Trusts
A Protective Property Trust is a clause written into your will that helps safeguard your share of the family home. It’s particularly useful for couples who want to:
• Protect against the surviving spouse remarrying
• Ensure children inherit their share
• Mitigate the risk of care home fees eroding the estate
When one partner dies, their share of the property is placed into a trust. The surviving partner can continue living in the home, but the trust ensures the deceased’s share is preserved for the children.
Clients often ask:
• “Will I have to sell my home to pay for care?”
• “Can I protect my children’s inheritance?”
A Protective Property Trust is one of the most effective tools to address these concerns.
Inheritance Tax Planning: What You Need to Know
Inheritance Tax (IHT) is one of the most disliked taxes in the UK. While only around 4% of estates currently pay IHT, rising property values mean more families are being caught in the net.
• Nil Rate Band: £325,000 per person
• Residence Nil Rate Band: Up to £175,000 if passing your home to direct descendants
Married couples can combine allowances, potentially passing on £1 million tax-free.
At Matrix Estate Planning Limited, we help clients explore:
• Gifting strategies – using the 7-year rule
• Trust planning – including discretionary and life interest trusts
• Business relief and agricultural relief
• Charitable legacies
We tailor every plan to your unique circumstances, ensuring compliance and maximum efficiency.
Planning for Care Fees: A Growing Concern
With care home fees averaging £800–£1,200 per week, many clients worry about having to sell their home to fund care. While there’s no guaranteed way to avoid this, strategic estate planning can help:
• Use of Protective Property Trusts
• LPA arrangements to manage finances
• Asset structuring to preserve wealth
We offer clear, honest advice—no gimmicks, no false promises.
Why Clients Trust Matrix Estate Planning Limited
We’re not a call centre or a faceless online provider. We’re based right here in South Yorkshire, offering:
• Face-to-face consultations
• Transparent pricing
• STEP-compliant documentation
• Decades of combined experience
Visit us at:
Matrix Estate Planning Limited
4 Orchard Gardens
South Anston
Sheffield S25 5FL
📞 07786 361139 or (01909) 566097
Ready to Take Control of Your Future?
Whether you’re updating your will, arranging an LPA, or planning for inheritance tax, we’re here to help. Our clients leave with peace of mind, knowing their affairs are in order and their loved ones are protected.
Book your consultation today and take the first step toward securing your legacy.
