We Help Homeowners with Children
Protect their Home, Savings and Other Assets.
We help Reduce Inheritance Tax
We Guard against:
Care Fees Divorce Creditors Probate Delays and more
About Paul Cadde
Paul Cadde is an expert in Protection Wills with over 30 years’ experience. He specialises in advising Homeowners, Who Have Children, on how to protect, structure, and control the transfer of their Home, Savings and Other Assets to the next Generation.
Paul is the creator of the “Tax Control Formula”, which is a step-by-step process to help homeowners with children to legally reduce or eliminate their Inheritance Tax burden.
He is also the creator of the “Future Certainty Solution” which is a tried and tested process of making sure that his clients have certainty when passing on their home, savings and other assets to the next generation.
His work focuses on clients who recognize that a standard will is often insufficient and who want a properly thought-through strategy to safeguard their estate from inheritance tax, care fees, and other predictable risks.
Paul’s approach goes far beyond document drafting. He works closely with his clients and designs for them structured solutions to ensure assets are not just passed on, but protected both during lifetime and after death. This certainty and protection is the fundamental difference between an ordinary “Distribution Will” and a carefully drafted “Protection Will”.
Over three decades, Paul has developed a reputation for clear thinking, straight advice, transparent fees and all-inclusive packages. He is often told that one of his unique abilities is being able to provide simple and easy to understand explanations of sometimes complex matters. He delivers outcomes that stand up in the real world not just on paper. His clients value discretion, precision, and the confidence that their affairs are properly organized.
Operating as a boutique practice, Paul engages with only one, or occasionally two, new clients each week, allowing him to give each case the attention it requires. He has a small team of expert partners to help him look after his clients.
For those who are serious about protecting their estate and taking control of their long-term position, Paul offers, at no cost to the client;
-
An initial “Video Consultation” to assess the risks to their estate.
-
A “Review of their existing Will” to assess its suitability or whether a more up to date and more advanced planning approach is appropriate.
-
A “Face-to Face ''Initial Strategy Meeting” to begin the planning process.
If you would like to book a “Telephone or Video Consultation” at no cost or obligation to you please:
-
Phone the office on Free Phone 0800 488 0907 or
-
Gain “Direct Access to Pauls Diary” ,using the link below, and choose the slot that is the most convenient you.
What We Do
We are Expert and Experienced in Advising Clients How to Use Protection Wills, Family Trusts and Other legal documentation to Protect their Home, Savings and other Assets for the Next Generation.
We design HMRC approved tax-efficient trust solutions to legally reduce or eliminate inheritance tax.
(We even register them with the Inland Revenue for you)
We design bespoke trusts to protect your family’s Home, Savings and Other Assets from care fees, tax and creditors.
We create plans that prevent the forced sales of your home under the 2014 Care Act.
We design tax-efficient trust solutions to ensure your home, savings, and other assets are distributed exactly as you choose, with a valid, up-to-date Protection Will.
We help you put in place Lasting Powers of Attorney so someone you know and trust, not a court-appointed stranger, manages your finances if you ever need help, saving you time, money, and stress.
We structure your affairs so that key assets can pass swiftly to your loved ones, reducing delays with probate and minimizing bureaucratic hurdles.
We build protective trusts so that if your children suffer marital difficulties, their inheritance from you stays with them rather than being lost in a divorce settlement.
We set up trusts so that if your spouse remarries after your passing, your children’s inheritance remains protected, ensuring your legacy isn’t diverted by a future marriage.
Our Protection Wills reduce the likelihood of your children and grandchildren unwisely diverting the money you leave them to unscrupulous friends.
We ensure that the Home, Savings and Other Assets you want to leave to your children and grandchildren cannot be lost to creditors if they suffer financial difficulties.
We create Inheritance Tax plans that can legally and significantly reduce or even eliminate the tax owed.
Protection Wills
Are you protected… or just hoping for the best?
Most people know they “should have a will.”
But very few understand what happens if they don’t and even fewer realise that a simple will can still leave their family exposed to serious risks.
What happens if you don’t have a will?
-
Your spouse receives the first portion of your estate
-
The remainder is split between your spouse and your children
This may sound reasonable but it often creates serious problems.
Key Insight
-
It distributes your estate… but it doesn’t protect it.
The risks most families never consider
-
Inheritance lost through divorce
-
Money wiped out by business failure or creditors
-
Assets eroded by care fees
-
Wealth spent too quickly
The Solution
The solution: A Protection Will
A Protection Will is designed not just to pass on your assets but to protect them for the long term.
Do you actually need a will?
That depends on one simple question:
Are you happy for the government to decide who inherits your home, your savings, and everything you’ve worked for?
If the answer is no, then you need a will.
You can quickly end up with
-
Children inheriting part of the family home
-
The surviving spouse financially exposed
-
Assets fragmented and difficult to manage
The problem with a “simple will”
-
A basic or “mirror will” is better than nothing but it comes with serious limitations.
Key Insight
-
It distributes your estate… but it doesn’t protect it.
Benefits of Protection Will
A properly structured Protection Will can:
-
Help safeguard your home from care fee risks
-
Protect your estate from unnecessary inheritance tax
-
Keep assets within the family bloodline
-
Protect beneficiaries from divorce and creditors
-
Control how and when money is passed on
-
Reduce the risk of wealth being lost
Without a Will
Without one, your estate is distributed under the rules of intestacy and the results are often not what families expect.
Imagine this situation
-
A family home worth several hundred thousand pounds
-
Additional savings or investments
-
A total estate of around £1 million
Limitations of a Simple Will
-
Does not protect your home from care fees
-
Does not reduce inheritance tax
-
Does not protect your children’s inheritance
-
Leaves assets exposed to divorce, creditors, and poor decisions
Reality Check
A life-changing inheritance can disappear far faster than it was built.
Strategic Advantage
It turns your will from a simple document into a long-term protection strategy.
Protecting Your Home, Savings and Other Assets for The Next Generation Step By Step
The Future Certainty Solution TM
The Future Certainty Solution TM – is a tried and tested, step by step process, to ensure that our clients have certainty when passing on their Home, Savings and other Assets to the next generation.
Phase One
Do You Care About
Protecting Your Home, Savings and other Assets for the Next Generation
Step 1 The first step is to decide if you want to protect your home, savings, and other assets for the next generation.
Step 2 Then consider if you have any particular priorities. For example, you might be concerned about:
Losing your family home to the ravages of the 2014 care act;
A growing Inheritance tax liability;
One of your children losing some or all of their inheritance if their marriage fails; or
The recent loss of a parent and want to change their Simple Will to reduce inheritance tax liabilities, or ring fence assets.
Phase Two
Does Cadde have any ideas that can be helpful to you
Step 3 Book your video or telephone Discovery Meeting – at no cost or obligation to you Paul will help you determine what threats your Home, Savings and other Assets might be facing
Step 4 Send him a copy of your existing Will so that he can review it for you and see if it is in line with your expectations and needs.
Step 5 If appropriate, at no cost to you, you can book a face-to-face Strategy Meeting to see how your major priorities can be achieved and your Home, Savings and other Assets can be best protected.
Phase Three Deciding What to Do
Step 6 If you like my ideas and recommendations how I can help you, we can organize a Planning Meeting for another day – for Complex or Very High Value situations, there may be a need for several planning meetings.
Step 7 Once the details of the plan, including the costs, payment terms and time frame, have been agreed, we will diarize the Establishment Meeting at which the documentation can be signed.
Phase Four – Document Drafting
From this point on, other partners in our practice will be involved in the completion of your project.
Step 8 During the Document Drafting phase, which is usually about four weeks, we will send to you:
A copy of the agreed Strategy Report that shows how we will help you achieve your wishes.
Caddes LLP Terms of Business.
An Invoice for our agreed fees, including payment terms. In most cases, we will request an initial payment of 50% of the fee before we can proceed. The remainder of the fee will usually be due for payment when we meet to finalize any documentation.
Step 9 We will write to you for any further information that we might need.
Step 10 When we have collated all the information we need, we will forward this to you in the form of an Information Statement and ask you to confirm all the details.
Step 11 We will make any amendments that are required
Step 12 If proof of identity is needed, e.g. for anti-money laundering or registration of schemes with HMRC, we will help you complete the necessary steps.
Phase Five – Putting your plan in place
Step 13 At the Establishment meeting, there will normally need to be at least one independent witness. We will provide all the required documentation. We will manage and oversee the critical steps of getting the right signatures and the correct witness statements in all the documents in the correct places. This usually includes:
Wills Trust documents Expression of wishes for any Trusts Authority for secure storage if you have decided on this option.
Will Clarity Statement to support your decisions should anyone decide to challenge your wishes in the future.
Plain English explanation of all documentation.
Anything else that is required e.g. Letters of Authority
Note: It is our standard business practice to manage and oversee the authorization process. This removes the risk of HMRC or someone else challenging a well-thought-out and drafted plan because it hasn't been authorized properly.
Step 14 We will ensure all the necessary documents are countersigned by Professional Executors & Trustees if selected.
Step 15 We will copy all documentation for both your files and our own. The originals will be forwarded to the secure storage facility.
Step 16 We will deliver your copies of everything to you as soon as they become available.
Phase Six – The Next Projects
Step 17 If we are working together on other projects with you we can organize the next meeting.
Why Choose Cadde To To Guide and Advise You and Your Family
Client Reference & Testemonials
"At last a thorough explanation of all we need to know about inheritance tax and the other threats to our estate - in a language we understand.
We knew we needed to do something to protect our inheritance, this website and Paul's' book took away the mystique and jargon, and has let us take all the important first steps. We are very happy to recommend Paul, his team and his services."
(Sally & Mark Baylis (Retired Midwife, and PR Consultant)