Planning for the future with a blended family

Blended families are increasingly common, with many people forming new relationships later in life and bringing children from previous relationships. Whether you’re married, in a civil partnership, or cohabiting, it’s important to plan carefully to make sure your wishes are followed and your loved ones are protected.

There’s no single solution that fits every family. Without the right legal documents in place, things may not happen the way you intend. Here are some key areas to think about:

Make a will that reflects your family

If you die without a will, the law decides who inherits your estate. This could mean your spouse or civil partner receives everything, leaving children from a previous relationship with nothing. Stepchildren aren’t automatically entitled either. A properly drafted will ensures that everyone you want to provide for is included.

Use trusts to protect everyone’s interests

Trusts, such as life interest trusts, can help you support your partner during their lifetime while preserving your estate for your children in the future. This can provide clarity and reassurance for all involved. If you’re not married or in a civil partnership, it’s especially important to seek advice, as cohabiting partners don’t benefit from the same inheritance tax exemptions.

Minimise the risk of disputes

Inheritance can be a sensitive subject, particularly in more complex family arrangements. Setting out your wishes clearly – and legally – can help avoid misunderstandings and potential conflicts. You don’t need to satisfy everyone, but it’s important your decisions are well thought out and properly documented.

Consider Lasting Powers of Attorney (LPA)

If you lose capacity, an LPA allows someone you trust to make decisions on your behalf. This is particularly important in blended families, where relationships can sometimes be more complicated. Choosing attorneys carefully helps ensure your wishes are respected.

Open up the conversation

You don’t need to get everyone’s agreement, but talking about your plans can help manage expectations and avoid surprises later on. Honest conversations now can make things easier in the long run.

Expert support when it matters

Blended families can make legal planning more involved, but it doesn’t need to be difficult.

An Accredited Lifetime Lawyer can guide you through your options and help you make arrangements that are fair, legally sound, and tailored to your family’s needs.

Loren McDermott is an Accredited Lifetime Lawyer, specially trained to support older and vulnerable clients. She has the expertise to help you put the right plans in place with clarity and confidence.

If you need advice our friendly, expert team is here to help. Call us today on 01482 326 666

*This article is a general summary of the law. It should not replace legal advice tailored to your specific circumstances.