Every family is unique. Rachael and David put off making a Will for over a decade because they thought it would be too stressful and expensive. They’re not married to each other, they have children together and from previous relationships. Here’s their story….

Cohabiting couples have fewer legal rights than married or civil partners. In England and Wales, the law does not recognise these loving relationships.

Here’s what you need to know.

As life moves forward, your Will may need to be updated to ensure it represents your wishes and intentions. Life has an inevitable conclusion. We can’t know our expiry date. It’s sensible to plan for now and review your plans if your circumstances change.

Whatever you call the love of your life, you have fewer legal rights as a cohabiting couple than if you're married or in a civil partnership.

Partners do not have a legal duty to support the other financially.

Here’s what you need to know.

If you own your home as joint beneficial tenants your co-owner automatically takes your 'share' if you die before them. You cannot make a valid gift of your 'share' in your Will.

Reviewing your Will at key times in your life is crucial and any amendments are made promptly as your circumstances change.