Blended families are now more common than ever, with many people starting new
relationships, getting married, and entering into civil partnerships later in life, often
bringing children from previous relationships. Being part of a blended family comes
with unique legal and financial considerations that need careful planning.
When it comes to planning for the future, a “one-size-fits-all” approach simply
doesn’t work. Without clear legal documents in place, your wishes might not be
carried out in the way you expect. Here’s what you need to think about:
- Wills that reflect your family
If you die without a will, the law decides who inherits your estate. If you’re married or
in a civil partnership, your spouse or civil partner may inherit everything, which could
mean your children from a previous relationship receive nothing; stepchildren also
aren’t automatically entitled to inherit. A well-drafted will is the only way to make sure
everyone is provided for in the way you intend. - Trusts that balance everyone’s needs
Blended families often benefit from a will trust, sometimes called a life interest trust.
This can ensure your spouse, civil partner, or cohabitee can remain in the family
home or receive income from your assets during their lifetime, while preserving the
capital for your children in the future. Trusts can offer reassurance for all parties and
avoid difficult situations later on. If you’re planning to include a cohabitee in your
arrangements, it’s especially important to seek both legal and tax advice, unlike
spouses and civil partners, cohabiting partners aren’t entitled to the same inheritance
tax exemptions. - Preventing conflict
Inheritances can be a source of tension, especially in complex family setups. Setting
out your wishes clearly, and legally, can help avoid conflict. It’s not about pleasing
everyone, but making thoughtful, fair decisions that are clearly documented and
legally sound. - Lasting Powers of Attorney (LPA)
Should you lose capacity, an LPA ensures someone you trust can make decisions
about your health and finances. Choosing attorneys carefully is important,
particularly where relationships across the family may be sensitive. - Talk it through
You don’t need to get everyone’s agreement, but open conversations can go a long
way in managing expectations and avoiding surprises.
Get expert support
Blended families can make legal planning more complicated, but your plans don’t
have to be. We can guide you through the options, helping you protect the people
who matter most.
Get in touch: Christine at Winterborne Legal Services T:01308 424 808 M: 07860
772274 E: christine@winterbornelegal.co.uk