Life & Health Cover Investments & Savings Corporate & Auto Enrolment Mortgages


It is never to early to start planning your retirement.  We can recommend providers with strong foundations and good past performances.  Even a small monthly amount will build up over the years.  If you already have a pension we will look at the investment funds and management charges to see if the plan needs to be moved to a more competitive provider.

Wills & Trusts

What happens if you don't make a will?

Dying without a will can cause unnecessary hardship for your survivors.  Your next of kin will usually be appointed to sort out your estate, and he or she might not be the best person to do the job. The law decides who will inherit your estate and in what share.  The rules do not recognise unmarried partners (although a partner may be able to make a claim on your estate).  There may be inheritance tax on the estate which could have been avoided.

You can decide who you want to look after your children if you have a young family.

If you do not make a will, your possessions will not necessarily be passed on in the way you would choose. This is a particular risk if you live with an unmarried partner.

Paying a solicitor to sort out affairs without a will would be a considerable expense.

Retirement, Wills & Trusts


Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.  

Wallace Nichols are authorised and regulated by the Financial Conduct Authority No. 226348