Personal Legal Services.

Personal legal services encompass a range of legal assistance and representation provided to individuals for their personal or private matters including:
Barraj Legal works with financial advisers and estate planning professionals, and will recommend trusted partners where necessary, to provide an all round service
Having both a will and LPA’s in place is important for anyone who has assets or an estate which they want to protect or leave to their loved ones.


Why is it important to have a will?

A will allows you to specify how your assets and property will be distributed after your death. It provides clarity and ensures that your wishes are carried out. Without a will, your assets may be distributed according to the laws of intestacy, which may not align with your preferences.

If you have minor children, a will enables you to appoint a guardian who will be responsible for their care in the event of your death. This ensures that someone you trust and select will look after your children and make decisions on their behalf.

A well-drafted will can help prevent potential conflicts among family members over the division of your assets. By clearly stating your intentions and designating beneficiaries, you reduce the likelihood of disputes and legal battles among your loved ones.

If you are in an unmarried partnership or have stepchildren, a will is also crucial to ensure that your partner or stepchildren are included as beneficiaries.

Importantly, a will can be used as a tool for estate tax planning. By structuring your estate plan effectively, you can potentially minimise the tax burden on your assets and ensure that more of your wealth is preserved for your intended beneficiaries. Additionally, having a will can help minimise legal and administrative expenses associated with the probate process.

In your will, you can designate an executor who will be responsible for managing your estate, paying off debts, and distributing assets according to your wishes. This allows you to select a person you trust to handle these important responsibilities.

Your will can include instructions regarding your funeral arrangements, burial, or cremation preferences. By documenting your wishes, you can provide guidance to your loved ones during a difficult time and ensure that your final wishes are respected.

Having a will gives you control over the distribution of your assets, protects your loved ones, and provides peace of mind knowing that your wishes will be followed. It is recommended to consult with a team which specialises in estate planning to ensure that your will is properly drafted and legally valid according to UK legislation.

Having both a will and LPA’s in place is important for anyone who has assets or an estate which they want to protect or leave to their loved ones.


Why have LPA's in place?

An LPA is a legal document that allows an individual (referred to as the “donor”) to appoint one or more individuals (known as “attorneys”) to make decisions on their behalf in the event that they become unable to make decisions for themselves due to mental incapacity or other circumstances.

There are two types of Lasting Power of Attorney:

Property and Financial Affairs LPA

This type of LPA grants the appointed attorney(s) the authority to make decisions and take actions regarding the donor's finances, property, and other financial matters. This can include managing bank accounts, paying bills, buying or selling property, and making investment decisions.

Health and Welfare LPA

This LPA gives the appointed attorney(s) the authority to make decisions regarding the donor's health and personal welfare. This can include decisions about medical treatment, care arrangements, living arrangements, and even decisions related to end-of-life care.

How we can help

Using a legal professional, like Barraj Legal, for creating an LPA can provide several benefits and ensure that the process is handled correctly.

Legal professionals have a deep understanding of the laws and regulations surrounding LPAs. They can explain the legal requirements, guide you through the process, and ensure that your LPA is drafted in accordance with the applicable UK legislation. Their expertise can help you avoid potential mistakes or oversights that could invalidate your LPA.

They can also provide personalised advice based on your specific circumstances, assessing your unique situation, discussing your goals and concerns, and tailoring the LPA to meet your individual needs. They can help you understand the implications of the decisions you are making and offer guidance on matters such as appointing the right attorney(s) and determining the scope of their powers.

If your situation is more complex, such as having complex assets, business interests, or a blended family, they can navigate these complexities and ensure that the LPA adequately addresses your specific situation. They can also help you anticipate potential challenges or issues that may arise and provide strategies for addressing them.

LPAs are legal documents, and it is important to ensure that they comply with the relevant legal requirements. The professionals at Swansea Legal Solutions can help ensure that all necessary formalities are followed, such as witnessing and certification requirements. They can also advise you on any additional legal considerations that may be relevant to your LPA, such as tax implications or specific provisions that should be included to protect your interests.

Having a properly drafted and legally sound LPA can help minimise the risk of disputes or challenges in the future. Your LPA’s need to be clear, unambiguous, and reflects your true intentions. This can reduce the likelihood of disagreements or misunderstandings among your loved ones or other parties involved.

While it is possible to create an LPA without the services of a legal professional, involving one can provide valuable expertise, guidance, and peace of mind.

It is important to create an LPA while you are still mentally capable and able to make decisions for yourself. By doing so, you can have peace of mind knowing that you have appointed trusted individuals to handle your affairs in the event that you are unable to do so in the future. Seeking legal advice is recommended to ensure that the LPA is properly executed and complies with all relevant legislation.

Estate Planning.

What is Estate Planning?

Estate planning is the process of arranging and managing your assets and affairs during your lifetime and after your death. It involves making important decisions and creating legal documents to ensure that an individual’s assets are distributed according to their wishes, your loved ones are taken care of, and your financial and healthcare matters are handled appropriately.

Using a legal professional, like Barraj Legal, for estate planning can provide several advantages:

Expert Advice

Estate planning involves complex legal and financial considerations. Legal professionals specialising in estate planning have in-depth knowledge of the laws, regulations, and strategies involved. They stay updated on any changes in the legal landscape that may affect your estate plan. Their expertise ensures that your plan is thorough, compliant with relevant laws, and reflects your specific goals and wishes.

Tailored Advice

Every individual's situation is unique, and estate planning requires a personalised approach. A legal professional can assess your specific circumstances, family dynamics, and financial objectives. They can provide tailored advice on the most appropriate strategies and legal instruments to achieve your goals, such as wills, trusts, or charitable giving arrangements.

Comprehensive Plan Developement

Estate planning involves more than just creating a will. A legal professional can help you consider all aspects of your estate, including tax implications, asset protection, business succession planning, healthcare directives, and more. They can assist you in developing a comprehensive plan that addresses all relevant aspects of your estate, ensuring that your wishes are fully accounted for.

Importantly, DIY estate planning or using generic online templates can lead to errors or omissions that may render your estate plan invalid or create unintended consequences. Legal professionals have the experience and attention to detail necessary to ensure that your estate plan is properly executed, meets legal requirements, and minimises the risk of challenges or disputes from beneficiaries or other parties.

Estate planning often involves minimising estate taxes and maximising tax efficiencies. Legal professionals can help you navigate complex tax laws and develop strategies to minimise tax liabilities on your estate. They can identify opportunities for tax exemptions, deductions, and other tax planning techniques, potentially preserving more of your assets for your intended beneficiaries.

It’s worth noting that estate planning is not a one-time event but a process that should be reviewed and updated periodically as circumstances change. Legal professionals can help you stay on top of important updates and changes in your life, such as marriage, divorce, births, deaths, or changes in financial situations. They can assist you in keeping your estate plan current and ensuring that it continues to reflect your wishes over time.

Engaging a legal professional can also provide peace of mind, knowing that your estate plan has been carefully crafted, legally sound, and tailored to your needs. You can feel confident that your loved ones and assets will be protected according to your wishes, reducing the burden and uncertainty for your family during challenging times.


What is Probate?

Probate is the legal process through which a deceased person’s estate is administered and distributed according to their will or, in the absence of a will, according to the laws of intestacy. It is a court-supervised procedure that verifies the validity of the will, settles the person’s debts and taxes, and transfers the assets to the beneficiaries or heirs.

In the UK, it is not a legal requirement to use a legal professional for probate. Individuals have the option to handle the probate process themselves, and this is commonly known as “personal application” or “DIY probate.” However, it is important to consider the complexity of the estate and your comfort level with legal and administrative tasks before deciding to handle probate without professional assistance

Using a legal professional, like Barraj Legal, for probate can offer several benefits:

Specialist Team

Probate involves legal procedures, documentation, and compliance with complex laws and regulations. Legal professionals specialising in probate have in-depth knowledge and experience in handling these matters. They stay updated on changes in probate laws and can provide accurate advice, ensuring that the probate process is carried out correctly and efficiently.


Probate can be a complex and overwhelming process, especially if you are unfamiliar with the legal requirements and administrative tasks involved. A legal professional can guide you through each step of the process, explain your rights and responsibilities, and help you understand the legal implications of your decisions.

Minimised Risks

Mistakes made during the probate process can result in delays, legal complications, and disputes. Legal professionals have the expertise and attention to detail to minimise the risk of errors, ensuring that all necessary documents are prepared accurately, deadlines are met, and legal requirements are fulfilled.

Administration Management

Probate involves gathering and valuing assets, settling debts and taxes, and distributing the estate to beneficiaries. A legal professional can handle these administrative tasks efficiently, saving you time and effort. They can also advise on strategies to maximise the estate's value, minimise tax liabilities, and streamline the administration process.

Expert Advice

If the estate is complex, with significant assets, multiple beneficiaries, or legal complications, using a legal professional becomes particularly beneficial. They can navigate complex legal issues, handle disputes among beneficiaries, address potential tax implications, and ensure that the estate is distributed according to the deceased person's wishes and applicable laws.

During the probate process, there may be opportunities to review and update your own estate plan. A legal professional can assist you in considering estate planning strategies, such as establishing trusts, updating beneficiary designations, or making charitable contributions, to align with your current goals and maximise the benefits for your beneficiaries.

Importantly, losing a loved one is a difficult time emotionally, and the probate process can add additional stress. Engaging a legal professional can provide peace of mind, knowing that a qualified expert is handling the legal aspects of probate, ensuring that your rights are protected, and guiding you through the process. This allows you to focus on grieving and other important matters.

While using a legal professional for probate in the UK is not mandatory, their expertise and support can significantly simplify the process, minimise risks, and provide you with confidence that everything is handled correctly.

Property Trusts.

What are Property Trusts?

A property trust is a legal arrangement where property ownership is held and managed by a trustee for the benefit of the trust beneficiaries. It is a form of trust commonly used for property investment or estate planning purposes.

Property trusts are frequently used to ensure the smooth transfer of property to beneficiaries, minimise inheritance tax, and protect assets. By placing property into a trust, you can specify how it will be managed and distributed among beneficiaries, potentially avoiding the probate process and reducing tax liabilities. If you have concerns about potential creditors or legal claims against your property, a property trust can offer a level of asset protection. By transferring ownership to a trust, the property is held separately from your personal assets, which may help shield it from certain claims.

A property trust can also be useful for providing financial support to family members while maintaining control over the property. For example, you may establish a trust to ensure that a surviving spouse or children can continue to live in the property or receive income from it during their lifetimes, with the property ultimately passing to other beneficiaries.

A property trust can potentially help protect your home from being used to pay for care fees. However, it’s important to understand that the effectiveness of such a trust in protecting your home will depend on various factors, including the timing of its establishment.

How we can help

It’s important to note that establishing a property trust involves legal and tax considerations, and the suitability of a trust depends on your specific circumstances and goals. Consulting with a legal professional, like Barraj Legal, which specialises in trusts and estate planning is essential. They can assess your situation, provide tailored advice, and guide you through the process of setting up a property trust in accordance with UK laws and regulations. Legal professionals will stay updated with any changes in legislation that could affect trust structures. Their expertise enables them to provide accurate advice, explain the available options, and guide you through the process effectively. Every individual’s circumstances are unique, and a legal professional can provide personalized advice based on your specific needs and goals. They will take into account your assets, family situation, potential tax implications, and any specific provisions you wish to include in the trust. This ensures that the property trust aligns with your objectives and addresses any concerns or complexities specific to your situation. Establishing a property trust involves adhering to specific legal requirements and formalities. A legal professional can ensure that all necessary legal documents are prepared correctly, signed by the appropriate parties, and meet the legal standards required. This helps prevent potential disputes or challenges in the future and provides peace of mind that the trust is legally valid.

Property trusts can have various tax implications, including inheritance tax, capital gains tax, and income tax. A legal professional can assist you in understanding the tax implications of establishing a property trust and guide you in implementing tax-efficient strategies. They can help minimize tax liabilities, take advantage of available reliefs or exemptions, and ensure compliance with tax laws.

Establishing a property trust without professional guidance can lead to costly mistakes or unintended consequences. A legal professional can help you avoid potential pitfalls, such as inadvertently triggering tax liabilities, improper drafting of trust documents, or breaching legal requirements. Their experience and attention to detail minimize the risk of errors and ensure that the trust is structured correctly.

Once the property trust is established, there may be ongoing administrative tasks, such as managing trust assets, distributing income to beneficiaries, and complying with reporting and legal obligations. A legal professional can provide guidance on trust administration and ensure that you fulfil your responsibilities as a trustee in accordance with the law.

Establishing a property trust is a significant legal and financial decision, and the expertise of a legal professional can be invaluable in navigating the complexities involved. They provide guidance, ensure compliance, and help you create a trust structure that best suits your needs and goals.

Personal Legal Services FAQs.

Lawyers offering personal legal services cover a wide range of areas, including family law, estate planning, personal injury, and more. We can help with matters such as divorce and custody issues, wills and probate and compensation for injuries for example.

You may want to consult a lawyer for personal legal matters when you are facing significant life events or challenges, such as for estate planning including wills, probate, LPA’s and property trusts. Seeking legal advice early in the process can help you make informed decisions and protect your estate.

Our estate planning lawyers can assist you in creating a comprehensive plan for the distribution of your assets, setting up trusts, drafting wills, and designating beneficiaries. We can also provide guidance on minimising tax liabilities and ensuring that your wishes are legally documented and followed.