• Purchase of first home

• Marriage

• Buying a house with unmarried partner/living together for over two years

• The birth/marriage of children/grandchildren

• Separation, divorce or remarriage

• Registration of a Civil Partnership

• Moving house/buying a “second home”

• Purchase of property overseas

• Thinking about making lifetime gifts

• The death of a parent, spouse, partner, child, or other major beneficiary under your Will

• Acquisition/disposal of a business interest

• Becoming a Member of Lloyd’s

• Receipt of an inheritance

• Retirement

• You/your parents planning a move to sheltered accommodation

• Changes in tax law and practice

• Invited to become a trustee of a family trust, or of a Charity

The list is not complete - there will be many family circumstances or events to prompt a call.

If in doubt, pick up the phone and ask!