Repton Estate Planning
    Guides / Reality Check

    Do You Actually Need Estate Planning Right Now?

    Not everyone needs estate planning urgently. But some people are one event away from a costly mistake. Answer these 5 questions honestly to see where you stand.

    Question 1

    Asset Threshold

    Could the assets included in your estate exceed the available inheritance tax allowances? Pension and policy treatment varies.

    YES:You may have inheritance tax exposure. A full calculation is needed.
    NO:This answer alone cannot confirm your inheritance tax position.
    Question 2

    Dependents & Guardianship

    Do you have children under 18, or dependents with special needs?

    YES:Legal guardianship and financial protection are critical. Without a will, courts decide.
    NO:Guardianship planning isn't urgent for you.
    Question 3

    Life Changes

    Have you experienced a major life change in the last 3 years? (Marriage, divorce, remarriage, business sale, house purchase, birth, death)

    YES:Your circumstances have changed; your plan likely needs updating. Marriage revokes previous wills.
    Question 4

    Existing Plan Status

    Is your Will older than 5 years, or do you have no Will at all?

    YES:Your plan is likely outdated or non-existent.
    Question 5

    Complex Assets

    Do you own a business, overseas property, or have a blended family?

    YES:You have complex circumstances requiring specialist planning (Standard wills won't work).

    Your Urgency Score

    0-1 YES: LOW URGENCY

    You're likely okay for now. Review annually.

    2-3 YES: MEDIUM URGENCY

    You should plan within the next 6-12 months. Don't wait for another major life event.

    4-5 YES: HIGH URGENCY

    You're exposed to significant inheritance tax, probate issues, or legal gaps. Delay creates real financial risk.

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