legacy planning - why preparing ahead matters more than ever
Legacy planning is often misunderstood as something purely legal or financial - a task for “later in life.” In reality, it’s a practical and deeply human process that affects families of all ages across the UK.
Recent figures show that over 50% of UK adults do not have a valid will, and among those aged 55–64, around one in three still hasn’t made one. Even more striking, research from UK charities suggests that fewer than 10% of people have documented their non-financial wishes such as care preferences, digital accounts or key household information.
When life takes an unexpected turn, it’s often this missing information that creates the greatest strain.
the real cost of not planning
Following a death or serious illness, families are frequently left piecing together everyday details while coping with grief. From locating paperwork and passwords to understanding utilities, subscriptions, insurance policies or personal wishes, the practical workload can be overwhelming.
In the UK, it can take six to twelve months on average to administer an estate and significantly longer if information is incomplete or unclear. Much of this delay, and stress, comes not from legal complexity, but from disorganisation.
Legacy planning helps reduce this burden. It provides clarity, direction and reassurance at a time when loved ones need it most.
legacy planning is about living well too
Importantly, legacy planning isn’t only relevant at the end of life. It plays a crucial role during periods of illness, cognitive decline or temporary incapacity. Having essential information clearly recorded allows trusted family members or carers to step in smoothly, ensuring continuity, dignity and informed decision-making.
This is where practical tools like The Handover File created by annabel can be especially valuable. By bringing together key contacts, household details, important documents, and personal notes in one accessible place, it helps bridge the gap between daily life and future planning. It’s not a legal document, but a supportive one — designed to be used when clarity matters most.
a growing need in a digital age
Modern life has added new layers to legacy planning. The average UK adult now manages dozens of digital accounts; from banking and utilities to subscriptions and social media. Without clear records, families can struggle to access or close accounts, leading to ongoing costs and complications.
As families become more geographically dispersed and responsibilities more complex, organised legacy planning is increasingly recognised as an act of care rather than administration.
leaving peace of mind behind
Those who take steps to organise their affairs often describe a sense of relief. Legacy planning becomes less about preparing for the worst and more about supporting the people they love.
Whether through a will, clear documentation or engaging annabel to create The Handover File, the intention is the same: to make life easier for others at a difficult moment.
“Creating The Handover File with annabel has taken the weight off all my family members’ shoulders; it is such a valuable exercise but one in which we could never have faced without trusted third party support.”
Because in the end, one of the most meaningful legacies we can leave is peace of mind.
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