The Anthony Seddon Fund Will Week 12th – 16th November 2018


Make an appointment with us to have your Will professionally drafted during the week of 12th – 16th November 2018 and instead of taking our usual fee for this service, all we ask is that you make a donation to The Anthony Seddon Fund. Suggested donations are £95 for a basic* single Will and £150 for a pair of basic mirror Wills. 

About the Charity


The Anthony Seddon Fund is a mental health charity based in Ashton-under-Lyne. The charity was established in June 2014 by Donna and Brian Thomas after the death by suicide of their son, Anthony following a long struggle with bi-polar disorder. 

The Anthony Seddon Fund provide a range of activities from their centre on George Street in Ashton-under-Lyne including a daily drop-in. Your donations will allow the charity to continue to fund these activities and continue to provide much needed support to the community. 

To make an appointment, please contact us on 01457 835597 or email 


*Basic will – The majority of people only require a basic will. However, if your total assets are over the Inheritance tax threshold or you require trust to be set up as part of your will or more complex estate planning, these will fall outside of a basic will and a further fee will be payable. We will of course advise you in relation to this when you attend your appointment and agree any separate charge with you before any work is undertaken.

Will Aid 2018


November is Will Aid month and Francesca Rigby from our Stockport office will be taking part this year. Will Aid is an annual fundraising event involving 9 of the UK’s leading charities. With the support of the legal profession, donating their time and skill, people are encouraged to have a will professionally written by a Solicitor whilst raising funds for charity. 

For a suggested donation of £95 for a basic single will or £150 for basic mirror wills, Francesca will meet with you at our Stockport office to take your instructions and then prepare a will specifically tailored to suit your needs. 

For more information on Will Aid and to help you prepare for the meeting, Will Aid have produced a helpful guide and Will Planner which can be found here

To make an appointment to see Francesca during Will Aid month, please contact us on 0161 456 5012 or complete the contact form on this page. 

Private Client team boosted by new recruit

Harold Stock & Co are delighted to welcome Francesca Rigby into their successful Private Client team. Francesca will be based in the firm’s Stockport office. 

Francesca studied Criminology and Social Policy at Manchester University and then went on to study at BPP Law School achieving commendations in both her Graduate Diploma in Law and Legal Practice Course before qualifying in September 2012.

Since qualifying, Francesca has gone on to specialise in all Private Client matters including all types of Wills, whether simple Mirror Wills to Wills that cater for more complex inheritance tax, all Probate matters including both taxable and non-taxable estates, Lasting Powers of Attorney, Court of Protection work and Trusts.

In February 2018,  Francesca successfully completed the Society of Trust and Estate Practitioners (STEP) course and is now a full member of STEP. STEP is a global professional association for practitioners who specialise in Private Client matters. As a full STEP member, Francesca is recognised as an expert in the field of Wills & Probate with proven qualifications and experience.

As well has being a STEP member, Francesca is a Full Accredited member of Solicitors for the Elderly. In order to be a fully accredited SFE member, lawyers must have a minimum of three years’ experience advising in areas of older client law and have completed the Older Client Care in Practice Award – a qualification which demonstrates the specialist client care skills that enable lawyers to advise and support older and vulnerable clients. Members are also required to continuously update their knowledge with training and produce an annual statement of competence, which ensures they maintain their expertise.


How Ken Dodd Avoided Inheritance Tax

Last month, the UK said goodbye to a national treasure, as singer and comedian Ken Dodd passed away after a severe chest infection. Two days before his passing, however, he and his partner of forty years, Anne Jones, decided to marry. It has been said that Dodd has “had the last laugh” as doing so would ensure that Anne doesn’t lose £2 million in inheritance tax.  It is important to note that Ken Dodd made a Will leaving his estate to Anne.

What is Inheritance Tax and how much is it?

Inheritance tax (IHT) is a tax on the estate of whoever has died. There are a few circumstances IHT is not paid, such as if the value of your estate is below the threshold of £325,000, you leave everything to your spouse or civil partner or if you leave everything to an exempt beneficiary such as a charity. If the value is above the nil rate band (NRB) of £325,000, then part of your estate above this will be liable for the tax rate at 40%, which is fixed until 2021.

The home allowance, or RNRB, has recently been introduced. This is on top of the nil rate band. In order for this to apply you must pass your home or a share of it to your children or grandchildren.

Given certain conditions are met, the home allowance gives you an additional allowance to be used to lower the IHT against your home. At the moment, the home allowance is £125,000 but is set to rise to £175,000 by 2021 and will be in line with the consumer price index from then on.

Valuing your Estate

To value an estate you must first devise a list of all assets and calculate their value at the date of death, and deduct any debts and liabilities. It is important to keep record of how you calculated it, such as estate agents valuation. HMRC are entitled to request a viewing of the records up to twenty years after IHT is paid.

Assets include banked money, property and land, valuable possessions, insurance policy pay-outs and jointly owned assets. Gifts must also be included, such as cash or other assets, if they were to be given away in the seven years before the individual has passed.  Gifts given to the deceased before this period must also be included if they continued to benefit from it, such as if they were to give their house way but continue to live in it up until death. These are also known as “gifts with reservations of benefit.”

Who Pays Inheritance Tax?

If there is a Will, it will be the executor who arranges to pay the IHT. If not, it will come down to the administrator of the estate. IHT is normally paid from funds within the estate, or from sales of assets if the estate has no cash. There are also times where the deceased has left money in the estate to pay this tax, or may have arranged for a life insurance policy to cover the bill.

When do you pay Inheritance Tax?

IHT must normally be paid within six months of the person’s death. After that there will be an interest charge from HMRC, regardless of if the executor chooses to pay by instalments over the years. If the Asset is sold before IHT is paid, the executors must ensure all instalments and interest are paid by then.

If your estate is likely to incur IHT, it’s ideal for the executor to pay some tax within the first six months of death to avoid paying interest for late payment.

Using Life Insurance to pay Inheritance Tax

Taking out a life insurance policy to pay some or all of your IHT bill can give you peace of mind you’re not passing down a big tax bill to your family and friends when you pass away. If you choose to do this, it is important to ensure you take advice before making any decisions. You will only reduce IHT on your estate if your life insurance policy is written in trust during your lifetime. If not then the policy proceeds will count towards the value of your estate and be liable to IHT on your death.

The importance of having a properly drafted Will

If you die without making a Will, you will die intestate. In these circumstances, your estate may not automatically pass to your spouse in its entirety. The rules relating to inheritance tax are therefore different and your loved ones may end up paying more tax than they would have to had you had a properly drafted Will.

If you have not yet had a Will drafted or your circumstances have changed since your Will was drafted, our specialist Wills & Probate Solicitors can advise you in relation to your Will and the planning of your estate. Should you be unable to travel to one of our offices, Claire and Ivana will be happy to visit you at home. 

Claire Atkinson
Solicitor for the Elderly
1 Anthony Street
01457 835597

Ivana Bailey, Solicitor
56-58 Pole Lane
M35 9PB
0161 682 2400

Can you make your own will? More to the point, should you make your own will?

Darren McGuinness, Solicitor at Harold Stock & Co, tackles the issue of wills, whether you can write your own will and, if you do, whether it is legally valid.

One of the most important issues we help people with is forward planning – in some cases very far forward planning! Because there is one sure thing in life, that one day, we will all “pop-our-clogs”. Continue reading…

Claire Atkinson awarded Solicitors for the Elderly Accreditation


Solicitors for the Elderly (SFE) accreditation

We are delighted to announce that Claire Atkinson, Solicitor has become a Full Accredited member of Solicitors for the Elderly. Claire is one of only a handful of Solicitors within the Tameside and Stockport areas to be awarded this prestigious accreditation.

Solicitors for the Elderly (SFE) is an independent organisation, made up of solicitors, barristers and legal executives who provide specialist legal advice to elderly and vulnerable people.

Founded in 1999, the SFE was the brainchild of a small group of lawyers who recognised that the UK’s ageing population was leading to an increasing number of enquiries from older clients. Today the organisation has more than a 1000 members nationwide.

To qualify for membership of the SFE, lawyers must have demonstrated their specialist knowledge of a wide range of legal issues affecting elderly people. They also need to have worked with a substantial number of clients in this age group.

Harold Stock & Co can assist you with:

  • Making a Will
  • Lasting Power of Attorney
  • Court of Protection
  • Tax Planning
  • Intestacy
  • Trusts
  • Probate and Estate Administration

For further details of the services we offer, please visit our Wills & Probate Section or contact Claire on 01457 835597. 

Our claim to fame…

A couple of years ago and before my time, we ran an advertising campaign to coincide with Valentine’s Day. You could say this campaign was a success although not necessarily for the right reasons! It has since appeared on a number of lists of the most un-romantic gestures on Ladbible, etc. 

Whilst the poster may not have been to everyone’s taste, it did carry a serious message. Our recent article, What happens if you die without making a will? explained what would happen with your estate should you not make a will or if your will is found to be invalid for some reason. 

I will be the first to admit that there are better ways to treat your loved one on Valentine’s Day than making a will but I would also ask that you give serious consideration to making a will in the near future if you have not already got one or updating your current will if there has been a change in your circumstances.

If you would like to discuss making a will, please contact Claire Atkinson in Mossley on 01457 835597, Ivana Bailey in Failsworth on 0161 682 2400 or Darren McGuinness in Stockport on 0161 456 5012. You can also email

Whatever you are doing today, I wish you all a happy Valentine’s Day. 

Alexandra Newman

Practice Manager

The majority of the public still trust solicitors when it comes to Will writing claims Will Aid

If you’re considering making a Will in order to safeguard and guarantee your family’s long-term future, who’s the best person to consult? The answer is a solicitor. We would say that, wouldn’t we? Yet, this is not a recommendation we’re making for ourselves: this is a recommendation based on a survey by the highly respected organisation Will Aid – a special partnership between the legal profession and 9 of the UK’s best-loved charities. Continue reading…

Ivana Bailey qualifies as a Solicitor

Ivana Bailey 01457 835597

Ivana Bailey – Solicitor

Congratulations to Ivana Bailey who has today qualified as a Solicitor.

Ivana’s journey to qualification has been slightly longer than others as she took some time out during her training contract to have her beautiful little boy. 

The final part of Ivana’s training contract has been spent in our Wills and Probate Department and this where she will remain as a qualified Solicitor. Ivana has shown a real passion within this area of law. She has an easy-going and friendly nature which immediately puts clients at ease.  

Recent feedback from Ivana’s clients include the comments:

“Ivana listened to our questions and answered them in terms that we could understand. Very pleasant attitude!”

“Very helpful and understanding. Gave advice where needed.”

“Ivana was very professional and efficient. She explained everything very clearly and the timescale was exactly as she said it would be.”

Ivana is available to see clients at our Mossley, Failsworth or Stockport offices and can also visit you at home should you be unable to attend at our offices. 



Make a Will for Charity

Why leave things to chance? If you do not currently have a will or yours is out of date, this is exactly what you are doing. It is especially important to make a will if you have children, own property, have savings, or are a business owner.  Continue reading…