Estate Plan Office
Safeguard your family's future.
We guide you through the estate planning process with compassion and expertise.
We bring a wealth of experience in:
Will Writing: Ensuring your assets are distributed according to your wishes.
Lasting Powers of Attorney: Protecting your future and empowering your loved ones.
Trusts: Safeguarding your assets and providing for your loved ones.
Inheritance Tax Mitigation: Minimising your tax burden and maximising your legacy.
With years of experience working with a diverse range of clients, we understand the unique challenges and concerns that arise when planning for the future. Whether you’re a young family starting out or a seasoned individual, we're committed to providing you with the guidance and support you need.
Questions? We have answers.
Let us guide you step by step, so you can protect what matters most.
"EPO helped me understand the core concepts without getting bogged down in legal jargon."
Your Future, Your Legacy, Simplified
Our Story
EPO began as more than just a business - it’s a deeply personal mission born from my own journey. Drawing upon over two decades of experience in financial services, including roles in wealth management for high-net-worth individuals and families across the UK, Europe, Central and South America, and the Middle East, I've witnessed firsthand the complexities and challenges individuals face when planning for their future.We’ve helped individuals and families navigate estate planning with confidence and clarity.
We’ve listened to their concerns, felt their uncertainty, and seen their relief when they finally take control of their future. That’s why we’ve made it our mission to demystify the process and bring estate planning within everyone’s reach.
But it wasn’t just professional experience that shaped my vision for EPO - it was my family’s journey. As someone whose own family has special educational needs and disabilities (SEND), I’ve witnessed the unique challenges and concerns that arise when planning for the future of vulnerable loved ones. These experiences taught me that estate planning is about so much more than finances or legal documents. It’s about people - their families, their hopes, and their legacies.
Michael Eslami, Founder & CEO
Why I Founded EPO
I created EPO to bridge the gap between technical expertise and heartfelt understanding. Too often, I saw families held back by the belief that estate planning was too complex, too costly, or something they could put off for "another day." My goal was simple: to demystify estate planning and make it accessible to everyone, no matter their circumstances.Through EPO, I’ve brought together a dedicated team of professionals with decades of combined experience and expertise in financial and legal services. Together, we focus on providing clear, personalised guidance that empowers individuals and families to plan for their future with confidence and compassion.We get it - life is busy, and estate planning keeps slipping down the list. But your family’s future is worth the time. Don’t let procrastination rob your family of security.We make it simple, affordable, and reassuring - because protecting your family is too important to delay.
Peace of Mind Starts Here
Our expertise extends beyond traditional estate planning to include:
Core Services
Wills:
Drafting wills to ensure assets are distributed according to your wishes
Appointing executors and guardians
Minimising inheritance tax
Trusts:
Creating various types of trusts to protect assets and provide for beneficiaries
Minimising inheritance tax
Protecting assets from care fees
Lasting Powers of Attorney (LPAs):
Appointing trusted individuals to make decisions on your behalf
Ensuring your wishes are respected, even if you become incapacitated
Specialised Services
Vulnerable Beneficiaries:
Protecting the interests of vulnerable beneficiaries, including children with SEND
Setting up trusts for vulnerable individuals
Appointing suitable guardians and trustees
Inheritance Tax Planning:
Minimising inheritance tax liability through strategic planning
Utilising exemptions and reliefs
Estate Administration:
Probate applications
Asset valuation and distribution
Dealing with HMRC
Charitable Giving:
Setting up charitable trusts
Maximising tax benefits
Business Succession Planning:
Business asset protection
Business continuity planning
Exit strategies
International Estate Planning:
Cross-border estate planning
Dealing with foreign assets and tax implications
Property Planning:
Protecting property assets
Ensuring smooth transfer of property ownership
Family and Divorce
Protecting assets in divorce proceedings
Providing for children’s needs
Ensuring fair distribution of assets
By offering a comprehensive range of services, EPO can help you secure your financial future and protect your loved ones.
Protecting Your Children's Future:
Expert Guardianship Planning
Choosing guardians for your children is one of the most important decisions you'll make. By appointing trusted individuals to care for your children, you can ensure their well-being and provide peace of mind.We understand the importance of safeguarding your children's future. Our expert team will guide you through the process of appointing guardians, ensuring that your wishes are clear and legally enforceable.
Here's how we can help:
Personalised Advice: We'll work with you to identify suitable guardians who share your values and can provide a loving and stable environment for your children.
Clear and Concise Documentation: We'll draft guardianship clauses in your will, ensuring that your wishes are legally binding.
Peace of Mind: Knowing that your children are in good hands can bring you comfort and reassurance.
Your Legacy, Your Way:
Proessional Will Writing Services
A well-crafted will is the cornerstone of effective estate planning. It ensures your assets are distributed according to your wishes, minimising potential disputes and providing peace of mind for your loved ones.Why Choose EPO?At EPO, we're committed to simplifying the complex process of will writing. Our expert team will guide you every step of the way, ensuring your wishes are clearly expressed and legally sound.
Here's what we offer:
Personalised Consultations: We'll take the time to understand your unique circumstances and goals.
Expert Advice: Our experts will provide clear and concise advice on all aspects of will writing, from choosing executors to distributing assets.
Clear and Concise Documentation: We'll draft your will in plain English, ensuring that your intentions are clear.
Peace of Mind: Knowing your affairs are in order can bring you peace of mind, allowing you to focus on what truly matters.
Lasting Power of Attorney
Who Will Speak for You When Life Takes an Unexpected Turn?Illness, accident, or simply the passage of time can diminish our capacity to make decisions. Without a Lasting Power of Attorney (LPA), your loved ones may face significant challenges in managing your affairs.We understand the importance of planning for the future. Our expert team will guide you through the process of creating LPAs, ensuring your wishes are respected and your best interests are protected.
Here's how we can help:
Personalised Advice: We'll work with you to identify suitable attorneys and assess your specific needs.
Clear and Concise Documentation: We'll draft your LPAs in plain English, ensuring they are legally sound and easy to understand.
Peace of Mind: Knowing that you've taken steps to protect your future can bring you reassurance.
Your Estate Plan Checklist
Are your loved ones protected?
Have you considered what would happen to your family if you were to pass away unexpectedly?Are your wishes known?
Have you clearly outlined your wishes for your estate, ensuring a smooth transition for your loved ones?Is your family's future protected?
Have you appointed guardians for your children and made provisions for their financial security?Are you prepared for the unexpected?
Do you have a plan in place to manage your affairs if you become incapacitated?Is your wealth secure?
Have you taken steps to protect your assets and minimise inheritance tax?
At EPO, we’re not just about ticking boxes or filling out forms. We’re here to empower you to make the best choices for your family’s future - with compassion, clarity, and confidence.Let’s work together to create peace of mind for today and security for tomorrow.
Frequently Asked Questions (FAQs)
Wills
What is a Will, in simple terms?
Imagine a Will as a blueprint for your future. It's a legal document that tells your loved ones how you want your possessions and assets to be distributed after you're gone.Why is a Will important for me and my family?
A well drafted Will ensures your wishes are respected, provides peace of mind for your loved ones, and helps avoid potential family disputes. It can also minimise inheritance tax and ensure a smoother probate process.
Haven't made a Will yet? Don't wait. Speak to member of our team and find out how a comprehensive Will can benefit you and your family.
Trusts
What is a Trust, in simple terms?
Think of a Trust as a special arrangement that allows you to manage and protect your assets for yourself and your loved ones. It's like a separate legal entity that holds your assets and distributes them according to your instructions.
Why might a Trust benefit my family?
Protect assets from potential creditors: Trusts can protect your assets from potential creditors or even claims from future spouses.
Minimise Inheritance Tax: Trusts can be used to minimise Inheritance Tax liability and ensure that more of your wealth passes on to your loved ones.
Provide for vulnerable beneficiaries: Trusts can be crucial for providing long-term financial support for vulnerable beneficiaries, such as children with special educational needs (SEND) and those with complex care needs.
Protect assets from potential disputes: Trusts can help to minimise family disputes and ensure that your assets are distributed according to your wishes, even in complex family situations such as blended families or second marriages.
Provide for specific needs: Trusts can be used to provide for specific needs, such as funding education, supporting charitable causes, or providing for the long-term care of a loved one.
What are some common types of Trusts?
Discretionary Trusts: Provide flexibility in how and when assets are distributed to beneficiaries.
Bare Trusts: Simple trusts where the beneficiary has immediate access to the assets.
Interest in Possession Trusts: Provide beneficiaries with the income generated by the trust assets.
How can EPO help?
We can advise you on the most appropriate type of trust for your individual circumstances.
We can help you understand the tax implications of different trust structures.
We can draft and administer trusts in accordance with your specific instructions.
Explore the power of trusts with EPO. Schedule a free consultation to discuss your unique needs and explore the best options for your family.
Lasting Powers of Attorney (LPAs)
What is an LPA, in simple terms?
An LPA allows you to choose someone you trust to make important decisions on your behalf if you become unable to do so yourself, such as due to illness, injury, or dementia.
Why is an LPA so important?
Maintain control over your affairs: An LPA ensures that your wishes are respected even if you lose the mental capacity to make decisions.
Avoid unnecessary stress for your loved ones: Without an LPA, your family may face significant stress and uncertainty if you become unable to make decisions. They may need to apply to the Court of Protection for the authority to make decisions on your behalf, which can be a lengthy and complex process.
Protect your finances and property: An LPA for property and financial affairs allows your appointed attorney to manage your finances, pay bills, and make important financial decisions.
Ensure your healthcare wishes are respected: A health and welfare LPA allows your appointed attorney to make decisions about your medical care, such as consenting to treatment or refusing life-sustaining treatment.
Not having the necessary LPAs can have significant consequences for individuals and their families, leading to delays in care, financial hardship, and increased stress during a challenging time. We strongly believe more should be done to raise awareness of what they are and the resulting benefits from having them.
Disclaimer: This information is for general guidance only and does not constitute legal advice.
How can EPO help?
We can guide you through the process of creating LPAs, ensuring your wishes are clearly expressed and legally sound.
We can help you identify suitable attorneys and assess your specific needs.
We can provide clear and concise information about the LPA process and answer any questions you may have.
Take control of your future. Contact EPO today to create Lasting Powers of Attorney and ensure your voice is heard, even if you're unable to speak for yourself.
Inheritance Tax
What is Inheritance Tax?
Inheritance Tax (IHT) is a tax payable on the value of your estate above a certain threshold when you pass away.
What is the current Inheritance Tax threshold in the UK?
As of 2024/25, you can pass on up to £325,000 of your estate to your spouse or civil partner without paying Inheritance Tax. There's also a Residence Nil Rate Band, which can further reduce your Inheritance Tax liability if you're passing on your main residence to your children or grandchildren. However, these thresholds and allowances are subject to change.
How can I minimise Inheritance Tax?
There are several strategies to minimise Inheritance Tax, such as:
Making use of exemptions and allowances: Utilising the Residence Nil Rate Band, spouse exemption, and charitable giving exemptions.
Gifting assets during your lifetime: Making gifts within the annual exemption or using other gifting strategies.
Utilising trusts: Setting up trusts can help protect assets from Inheritance Tax.
Charitable giving: Leaving a gift to charity can reduce your Inheritance Tax liability.
Is Inheritance Tax inevitable?
Not necessarily. With careful planning and expert advice, you can significantly reduce your Inheritance Tax liability.
Find out how you can minimise your Inheritance Tax liability with EPO. Schedule a consultation to explore our expert tax planning strategies.
Disclaimer: This information is for general guidance only and does not constitute legal or financial advice. Tax laws and allowances are subject to change.
Guardianship
What is Guardianship?
Guardianship is the legal right and responsibility to care for a child. If you are a parent, it's crucial to appoint guardians for your children if you are no longer able to care for them.
Why is appointing guardians important?
Statistics show that many parents fail to appoint guardians. This can lead to uncertainty and potential family disputes if something unexpected happens.
Appointing guardians provides peace of mind. Knowing that your children are in good hands can offer you significant comfort and allow you to focus on the present.
It protects your children's well-being. Guardianship ensures your children are raised in a loving and stable environment according to your wishes.
Who can be appointed as a guardian?
You can appoint any responsible adult you trust, such as close family members, friends, or even a trusted family friend.
How do I appoint guardians?
Guardianship is typically appointed through your Will. It's crucial to discuss your choice of guardians with them and ensure they are willing and able to take on this responsibility.Can I change my chosen guardians?
Yes, you can change your chosen guardians at any time by updating your Will.
Safeguard your children's future. Contact EPO today to discuss guardianship options and ensure their well-being is protected.
Later Life Planning
What is Later Life Planning?
Later Life Planning involves considering your care needs and financial security as you age. It involves planning for potential long-term care costs, protecting your assets, and ensuring your financial well-being in your later years.
Why is Later Life Planning important?
The cost of care is rising: The cost of care homes and other forms of long-term care is increasing significantly.
Protecting your assets: You need to ensure your assets are protected from the potential costs of care.
Maintaining your independence: Later Life Planning can help you maintain your independence and quality of life for as long as possible.
What are some key considerations for Later Life Planning?
Care home fees: Understanding the potential costs of care home fees and exploring funding options.
Asset protection strategies: Implementing strategies to protect your assets from the costs of care, such as using trusts or making gifts.
Long-term care insurance: Considering the benefits and drawbacks of long-term care insurance.
Power of Attorney: Ensuring you have a Lasting Power of Attorney in place to make financial and health care decisions if you become incapacitated.
How can EPO help? We can provide expert guidance on all aspects of Later Life Planning, including:
Assessing your care needs and financial situation.
Exploring funding options for long-term care.
Implementing asset protection strategies.
Advising on the most suitable care options.
Contact EPO today to discuss your Later Life Planning needs and ensure a secure and comfortable future.
Vulnerable Beneficiaries
What is a Vulnerable Beneficiary?
A vulnerable beneficiary is someone who may have difficulty managing their own finances or making important life decisions due to a disability, mental health condition, or other factors. This can include children with special educational needs (SEND), adults with learning disabilities, or individuals with long-term health conditions.
Why is planning for vulnerable beneficiaries important?
Protecting their best interests: A well-drafted estate plan can ensure that vulnerable beneficiaries receive the care, support, and financial security they need.
Preventing financial exploitation:
Trusts and other legal structures can help protect vulnerable beneficiaries from potential exploitation or mismanagement of their assets.
Protecting means-tested benefits:
Trusts can be structured to protect vulnerable beneficiaries' eligibility for means-tested benefits.
Providing for their long-term care:
Careful planning can help ensure that vulnerable beneficiaries have access to the necessary support services and resources throughout their lives.
How can EPO help?
We can advise you on the most appropriate estate planning strategies to protect the interests of vulnerable beneficiaries.
We can help you establish trusts that provide for their financial security and well-being.
We can assist you in appointing suitable guardians and trustees who will act in the best interests of the vulnerable beneficiary.
Book a consultation today for expert guidance on protecting the interests of vulnerable beneficiaries.
Business Succession Planning
What is Business Succession Planning?
Business Succession Planning is the process of determining how your business will continue if you are unable to run it due to retirement, illness, or unexpected circumstances.
Why is Business Succession Planning important?
Ensure business continuity: A well-defined succession plan ensures the smooth and uninterrupted operation of your business, protecting its value and safeguarding jobs.
Protect your family's financial future: Proper planning can help protect your family's financial security and preserve the value of your business for future generations.
Minimise disruption: A well-planned succession can minimise disruption to your employees, customers, and suppliers.
Attract and retain key employees: A clear succession plan can attract and retain talented employees by demonstrating stability and long-term vision.
Succession planning is often overlooked by business owners. This can have significant consequences, including financial losses, job losses, and the loss of valuable goodwill.
How can EPO help?
We can advise you on the most appropriate succession planning strategies for your business.
We can help you identify and develop potential successors within your business.
We can assist with the legal and tax implications of business succession.
We can help you create a comprehensive business succession plan that meets your specific needs and objectives.
Contact EPO today to discuss your business succession planning needs and ensure a smooth and successful transition for your business.
International Estate Planning
What is International Estate Planning?
International Estate Planning involves managing and distributing your assets across international borders. This becomes relevant if you have assets or connections in other countries, such as property, investments, or family members living abroad.Why is International Estate Planning important?
Ensure your wishes are respected globally: An international estate plan ensures that your assets are distributed according to your wishes, regardless of their location.
Minimise tax liabilities: Understanding the tax implications of holding assets in different countries is crucial to minimising your overall tax burden.
Comply with international laws: Navigating the legal and tax complexities of different jurisdictions requires expert guidance.
Protect your loved ones: An international estate plan can help protect your loved ones and ensure their financial security, regardless of where they reside.
What are some key considerations for International Estate Planning?
Identifying assets and liabilities in different countries.
Understanding the tax laws and regulations of relevant jurisdictions.
Appointing appropriate executors and trustees.
Ensuring the smooth transfer of assets across borders.
Considering the potential impact of different legal systems.
How can EPO help?
Contact EPO today to discuss your international estate planning needs and ensure your wishes are respected, regardless of where your assets are located.
We can advise you on the legal and tax implications of holding assets in different countries.
We can help you develop an international estate plan that meets your specific needs and objectives.
We can assist with the administration of your estate across borders.
Disclaimer: This information is for general guidance only and does not constitute legal advice.
Ongoing Support for Your Family
We’re here for the long term. Whether you have questions, need updates, or wish to explore additional estate planning services, our team is always ready to assist. Your family’s security and peace of mind are at the heart of everything we do.
Empowering You with Knowledge
A Commitment to Education and Community
Education is at the core of everything we do. We're passionate about sharing knowledge and collaborating with local organisations, schools, and charities to deliver workshops and seminars that simplify estate planning.
Whether it’s a parent looking for guidance, a business owner securing their company’s legacy, or a family navigating SEND-specific concerns, we believe everyone deserves clarity and peace of mind.
We’ve been privileged to speak at events across the UK, helping people understand their options and inspiring them to take control of their future. But we know this journey doesn’t end with a single conversation - it’s about building relationships, fostering trust, and equipping people with the tools they need to succeed.
What EPO Can Offer You
Our experienced advisers can help you understand the intricacies of estate planning and make informed decisions.
At EPO, we combine expertise with empathy to make estate planning approachable, effective, and empowering. Whether you’re looking for:
Workshops and Seminars:
Tailored sessions to simplify estate planning for your family or community.Personalised Advice:
Clear guidance for wills, trusts, LPAs, and more, designed to meet your unique needs.Community Partnerships:
Collaborations to bring estate planning education to schools, charities, and organisations.We’re here to make the process as seamless as possible while always keeping your values and priorities at the heart of every decision.
At EPO, we've assembled a team of experienced professionals, including financial advisers and legal experts, who work collaboratively to provide comprehensive and personalised guidance. We understand that estate planning is a multifaceted endeavour, and we're committed to providing you with access to the expertise you need.We regularly share our expertise through speaking engagements at leading corporate, educational, and charitable organisations. We've had the privilege of addressing diverse audiences, from parents and professionals to individuals seeking to understand their financial options.
Would you like to invite us to speak at your event?
We are available to speak at a range of events, including seminars, workshops, and conferences. If you are interested in inviting us to share our expertise with your audience, please contact us below:
Estate Plan Office
Head Office: Estate Plan Office (EPO), 36 Mitchell Avenue, Hampshire, RG27 8HFTEL: +44 (0) 7763 784 288
www.estateplanoffice.co.uk
We're here to listen.
Let's discuss your needs and find the best solutions for you and your family. We’d be delighted to arrange a convenient time for a no-obligation consultation. Simply fill out the form below and we’ll be in touch.Your family’s security and peace of mind are at the heart of everything we do.
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