We Help Home owners with Children, Protect and
Pass On their Home, Savings and Other Assets.
We help Reduce Inheritance Tax
We Guard against:
Care Fees Divorce Creditors Probate Delays and more
We Rebranded From Wills Trusts Tax Solutions LLP to Cadde LLP
Same Business, Same Team, Same Values and Same Commitment to Protecting Your Legacy but Change of
Name & Image to Better Reflect our Boutique & Unique Service"
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 recognise 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 organised.
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:
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An initial “Video Consultation” to assess the risks to their estate.
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A “Review of their existing Will” to assess its suitability or whether a more up to date and more advanced planning approach is appropriate.
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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:
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Phone the office on Free Phone 0800 488 0907 or
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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 and Transfer 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
Do you "have to" or "need to" have a Will?
No Legal requirement to have a Will - But the answer 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.
The problem with a “simple will”
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A "Basic" or “Mirror " or "Simple" Will is probably better than nothing but it comes with serious limitations.
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Does not protect your home from care fees
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Does not reduce inheritance tax
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Does not protect your children’s inheritance
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Leaves assets exposed to divorce, creditors, and poor decisions
Benefits of Protection Will
A properly structured Protection Will can:
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Help safeguard your home from care fee risks
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Protect your estate from unnecessary inheritance tax
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Keep assets within the family bloodline
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Protect beneficiaries from divorce and creditors
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Control how and when money is passed on
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Reduce the risk of wealth being lost
Are you protected… or just hoping for the best?
Most people know they “should have a will.”
But very few appreciate what happens if they don’t and even fewer realise that a simple will still leaves their family exposed to serious risks.
Without a Will
Without one, your estate is distributed under the rules of intestacy and the results are often not what families expect. Typically - The first £322,000 to the surviving spouse - The balance divided into two equal portions - One portion to the surviving spouse - The second portion divided equally between the children
Imagine this situation
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A family home worth £800,000
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Savings or investments of £200,000
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A total estate of around £1 million
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Death of spouse, the surviving spouse receives £661,000 and the children receive £339,000. Which means that the children now own part of the house that the spouse lives in. The surviving spouse now loses control and security.
The risks most families never consider
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Inheritance lost through divorce
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Money wiped out by business failure or creditors
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Assets eroded by care fees
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Wealth spent too quickly
You can quickly end up with
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Children inheriting part of the family home
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The surviving spouse financially exposed
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Assets fragmented and difficult to manage
The Solution - A Well Drafted Protection Will
A Protection Will is designed not just to pass on your assets but to protect them for the long term.
Strategic Advantage
It turns your will from a simple document into a long-term protection strategy.
Reality Check
With a distribution Will i.e. a simple or mirror Will, a life-changing inheritance can disappear far faster than it was built. A protection Will makes this virtually impossible.
Key Insight
A simple or mirror Will distributes your Home, Savings and other Assets … but it doesn’t protect them.
9 Legacy Threats
Founder: Paul Cadde
Step By Step,
Protecting and Transferring Your Home, Savings and Other Assets for The Next Generation
The Future Certainty Solution™
The Future Certainty Solution™ – 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:
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Losing your family home to the ravages of the 2014 care act.
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A growing Inheritance tax liability;
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One of your children losing some or all of their inheritance if their marriage fails; or
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The recent loss of a parent and want to Legally 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:
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A copy of the agreed Strategy Report that shows how we will help you achieve your wishes.
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Cadde's LLP Terms of Business.
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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:
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Wills
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Trust documents
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Expression of wishes for any Trusts
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Authority for secure storage if you have decided on this option.
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Will Clarity Statement to support your decisions should anyone decide to challenge your wishes in the future.
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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 authorisation process. This removes the risk of HMRC or someone else challenging a well-thought-out and drafted plan because it hasn't been authorised 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 LLP?
In Summary
Clients choose Cadde LLP because they want:
● Specialist expertise built over decades
● A personal, carefully managed process
● Clear, fixed pricing
● Strong legal and tax support
● The reassurance of a fully protected firm
Above all, they want certainty.
That their home, their savings, and everything they have worked for
will pass to the right people, in the right way, with the right protections in place.
When you choose someone to help you with something important, you are really asking one question - “Will they get this right?”
Will they do what they say they will do?
Will they take proper care of me?
Will I feel confident in the outcome?
Will the cost be fair and transparent?
When it comes to protecting your home, your savings, and your family’s future, those questions matter more than ever.
Here is why clients choose Cadde LLP.
1. True Specialist Expertise
Many professionals divide their time across multiple areas — property work, disputes, family matters, or general legal services.
We do not.
We focus exclusively on legacy planning and asset protection.
Paul Cadde has spent over 30 years in this field, dedicating thousands of hours to designing Will and trust structures for his clients. These do far more than simply distribute assets — they are built to protect them.
This depth of focus is rare — and it matters.
2. A Personal, Unrushed Process
This is not a transactional service.
We take the time to understand:
● Your family
● Your assets
● Your concerns and priorities
Our work typically unfolds over a number of meetings, allowing you time to reflect and make decisions with clarity.
Because of this, we deliberately limit the number of new clients we take on to one, occasionally two per week.
This ensures that every client receives the time, attention, and care that this level of planning deserves.
No rushing. No shortcuts.
3. A Comfortable, Private Environment
Meetings take place in a calm, private setting — not a busy office with interruptions or time pressure.
Clients often tell us how much they value being able to talk openly, think clearly, and make important decisions without feeling hurried.
This is a significant part of getting things right.
4. The Same Care — Whatever the Size of Your Estate
Whether your estate is £500,000 or £5,500,000, the principle is the same:
You receive the same level of care, attention, and professionalism.
The complexity of the work — and therefore the fee — will naturally vary depending on factors such as:
● The size of your estate
● The number of beneficiaries
● Whether there are children from previous relationships
● Any additional protection needed for vulnerable or less financially experienced beneficiaries
For example, a straightforward estate with one child will require a very different level of planning to a larger estate involving two families, multiple beneficiaries, or the need for ongoing financial protection.But the standard of care you receive does not change.We work with clients across the full spectrum — and we value every one of them.
5. A Small, Highly Capable Team
Every client works closely with Paul throughout the process.
Supporting him is a trusted and experienced team:
● Nicky Cadde — Co-founder, specialising in the precise drafting of wills and trust structures, from straightforward arrangements through to highly complex and confidential planning
● Graham Dragon — Is a paralegal specialising in the technicalities of protection Wills and Trusts. He is a fellow of the Association of Taxation Technicians. (ATT Fellow)
● A network of specialist Barristers, including King’s Counsel is available for complex or technical mattersWe also work closely with experienced conveyancing professionals where property is involved, ensuring everything is implemented smoothly.
6. Fully Protected and Professionally Backed
We carry multi-million pound professional indemnity insurance, giving you reassurance that you are dealing with a properly protected and professionally accountable firm.
In addition, where a matter requires deeper technical input, we have access to a wider legal network of specialist lawyers and senior counsel.
This means your planning is not only carefully designed — it is robust, compliant, and fully supported.
7. Clear, Fixed, All-Inclusive Fees
Once your plan has been agreed, we provide a fixed fee in writing, covering everything required to complete the work.
There are:
● No hidden costs
● No unexpected extras
● No unpleasant surprises
Payment is typically structured as:
● 50% on instruction
● 50% on completion
For larger or longer projects, staged payments can be agreed in advance.
Everything is discussed and agreed before any commitment is made.
8. Additional Financial Protection for You
We are happy to accept payment by credit card, giving you additional peace of mind through Section 75 of the Consumer Credit Act 1974.
This provides an extra layer of protection, as your credit card provider shares responsibility for the transaction.
9. Ongoing Support as Life Changes
We recognise that circumstances change over time.
We are always happy to make reasonable updates and adjustments to your planning where appropriate.
Where more significant changes are needed, we will explain everything clearly and agree any additional work with you in advance.
Meet the Team
Nicky is the managing partner.
She is a paralegal specializing in the drafting and preparation of protection wills and trusts.
Graham is a paralegal specialising in the technicalities of protection wills and trusts. He is a fellow of the Association of Taxation Technicians. (ATT Fellow)
Terms Of Business
It is important that you are fully informed about how your instructions will be handled by Cadde LLP herein referred to as "the Company". This page sets out the Company's Terms and Conditions of Business. Please read this entire document carefully and keep in a safe place for your future reference.
We reserve the right to make amendments to these Terms of Business. We will let you know of any changes should they affect your current matter. Copies of the Company's amended Terms and Conditions of Business will be available upon request.
By proceeding with your instructions constitutes acceptance of these Terms and Conditions of Business. It is the Company's policy that we are unable to commence work on your behalf until these Terms and Conditions of Business have been accepted and the relevant fees agreed. By signing the Client Disclaimer you are deemed to have read, understood and accepted the Company's Terms of Business in their entirety except where they have been varied in writing with our agreement. If you pay for any products that you have ordered, after we have sent to you a copy of these Terms, it shall be deemed that such terms have been accepted in their entirety.
1. Service we provide
· We will prepare all legal documentation in accordance with the instructions provided to the Company and submitted to us electronically or on paper.
· An Order Summary, detailing the basic information to be contained within your legal documents (such as names, addresses, relationships etc.) will be sent electronically to you for checking, The Order Summary will specify the date we will begin to process your documents, whether or not we have received confirmation from you that the details contained within your Order Summary are correct.
2. What you will receive
· Your engrossed legal documents.
· A set of instructions on how to execute the legal documents received.
· Confirmation of receipt of your order.
3. Joint Instructions
· These rules apply in areas where instructions have been taken jointly from more than one client in a meeting regarding more than one Will / legal document.
· We confirm that, we requested that "the Company" act for both of us.
· We understand that, no information received in connection with the matter from one can be treated as confidential so far as any of the others are concerned.
· We confirm that there was no conflict which remained unresolved and prevented "the Company" from being able to act for both, or all of us.
· We confirm that should such a conflict subsequently arise following our initial instruction that, this would lead to "the Company" being unable to act for both, or all of us and this would include subsequent changes to either Will/legal document of which the other, or others, would not be aware.
4. What we do not provide
Will(s)/Trust(s) or other legal documents if your circumstances change. The following are examples of changes in your circumstances / life events of either yourself / spouse/ civil partner / partner and / or your beneficiaries where we would recommend that you consider contacting us, such as:
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The death of either a Trustee or a Beneficiary.
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The imminent retirement of any Trustees.
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A significant change in state of health or the entrance into long term care of any Trustee.
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The birth or adoption of a child, grandchild or remoter issue of either Settlor.
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Any separation, divorce or marriage.
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Any future inheritances which are to be received by the Settlor, beneficiaries, or the Trusts.
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The financial performance of any investments in the Trust concerns you.
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The financial circumstances of the Trustees or any beneficiaries alters.
This list is not exhaustive but if you have any doubts on how a change of circumstances may affect your legal documents, please contact Cadde LLP.
5. The cost to you
The cost to you will be detailed by Cadde LLP at the point of sale.
An invoice/receipt will be provided to you at the point of sale or shortly after.
In addition to the costs detailed on the receipt, there may be disbursement costs and other expenses. It shall be your responsibility to settle all the legal costs, disbursements and expenses that we incur throughout your matter. Where we are instructed by more than one person or legal entity to represent their joint interests, those instructions are considered to be joint and several and thus we reserve the right to look to either party for settlement of any outstanding costs, disbursement and expenses.
6. Payment
· Payment is by debit, or credit card, bank transfer or cheque.
7. Rights of Cancellation
· You have a right to cancel this agreement with us provided you do so in writing, including electronic mail, to reach us within 14 Calendar days of receipt of payment.
It will have been explained to you at the point of sale that you could either:
Instruct us to proceed immediately in which case you would not be able to cancel this agreement if we had started work.
A. Please Note: This does not affect your statutory right to cancel however, you may be required to pay for goods or services supplied, if the performance of the contract had begun with your written agreement, before the end of the cancellation period.
B. Take no action for 14 calendar days after receipt of payment, the Terms of Business and the Right to Cancel Forms, provided to you. We would then proceed to prepare your Will(s), or other legal documents and you would no longer be able to cancel the contract.
C. You will have been informed that should you elect to wait until the statutory 14 days have elapsed and you were not to survive this period, then there would be no recourse for any claim to be made against Cadde LLP by your estate/ survivors/intended Beneficiaries, as a result of your having chosen this option.
8. After sales
If we have made an error in the drafting of your legal documents, or you require changes to be made you should contact us immediately upon receipt. We will then correct any error or make any cosmetic amendments. Please feel free to contact us with any questions you might have.
9. Identification Requirements and Money Laundering
We may be required by law to obtain satisfactory evidence of the identity of our clients and/or any third parties involved in your instructions. To comply with the law, we may need to obtain proof of your identity, depending on the nature of the work we are carrying out on your behalf, as soon as possible.
Please note, the identification requirements adhered to herein may vary depending on the individual circumstances of each case. We therefore reserve the right to request further documentation should we deem it appropriate in order to satisfy the Money Laundering Regulations 2007 and any other such governing regulations and/or legislation.
10. Confidentiality and Data protection
· Your contact details and relevant personal information will be obtained to ensure that your documentation which you have asked us to provide is completed correctly and accurately. For more information, please read our "Privacy Statement" at https://www.cadde.co.uk or request a copy by writing to our Office address below.
· Generally speaking, all information supplied to us by you shall be treated as confidential at all times, unless we are required to disclose and/or discuss your information upon your instructions (implicit or actual), by an Order of the Court, under current legislation, updated legal and/or regulatory compliance or by way of any other statutory exceptions. Your personal information is stored by us in accordance with the General Data Protection Regulations (GDPR).
· Our use of such information is subject to your instructions, the DPA 1998 and our duty of confidentiality. You have a right of access under the GDPR legislation to the information we hold about you.
· It may be necessary for the successful and efficient conclusion of your matter for us to occasionally disclose your personal information that you have provided us to third parties who are involved with completing your instructions. Our Company may be subject to audit or quality checks from time to time by outside organisations and your information may also be passed to Authorities in the event of any disclosures. Your acceptance of these Terms shall be treated as appropriate authority for us to pass on such details unless we hear to the contrary in writing beforehand. All external organisations are required to maintain confidentiality in relation to your files and comply with the GDPR.
· If we hold any sensitive personal data (as defined in the GDPR) such as medical records, you must provide your permission before we may disclose it to third parties.
· We encourage communications by way of email and therefore we shall correspond with you by such means where you are happy for us to do so. However, please note communications by email can be unsecure and emails may contain viruses. Whilst "the Company" uses anti-virus software for all email communications, we cannot be held responsible for any potential risks that may arise from any emails that we send, which may contain viruses and which shall also include any circumstances where emails have been misdirected or not received by you.
· During the Consultation, those people or companies whom you have chosen to have access to your completed documents will be identified to "the Company" and detailed within the Client Disclaimer which will be signed by you.
11. File Retention and Retrieval
· In the event that you require us to retrieve a file from storage or send any of your papers to you or any third party, we may levy a charge for the service. We may also levy a charge where your instructions in relation to the retrieved file of papers involve perusing, corresponding or any other such work.
· Should you require us to send your file of papers to you in the post, we may require such postage costs to be paid in advance of releasing the papers. We shall not release any file of papers to any third party unless we have your written consent to do so. The party collecting the file on your behalf will need to supply us with photo identification and a copy will be retained for our records.
12. Complaints
Whilst we assume that you will be pleased with our service, in the unlikely event that you do have any cause for complaint, this should be made within 6 months of completion of your order and in the first instance should be raised with the person who took your instructions. We have an agreed complaint procedure in place which is available on request. Your adviser will attempt to settle any dispute that you may have. Please direct your concerns to:
Nicky Cadde
Cadde LLP
The Oaks
Lordswood
Highbridge
Hampshire
SO50 6HR
13. Explanation of Terms
· If you are unclear as to the nature and/or extent of either our or your obligations under these Terms and Conditions of Business, or you require further information, please contact the adviser responsible for your instructions.
14. Conflicts of Interests
· We will endeavour to avoid situations of conflict to ensure that a client's interests are not compromised. We will advise you if we become aware that an issue of conflict exists. If you should be concerned about such an issue then please immediately refer your concern to your adviser. We assure you that we will always act independently and in your best interests as our client. Money Laundering Regulations can also give rise to matters of conflict and lead to us being unable to continue acting in some exceptional circumstances.
15. Limit on our liability
· In respect of the advice we render and work we undertake we will limit our potential liability to you to £2M. In instructing us, you accept that in the event of our negligence or breach of contract, you cannot claim more than that sum from us or our insurers, and that you have no claim against any of our staff personally. In respect of any claim or potential claim against us we limit the time you have in which to claim to 3 years from the date of the alleged act or omission or 12 months from the date you became aware of it as appropriate.
16. Changes in the Law
· Unless we have current and/or specific instructions from you in writing to review the law and report to you from time to time or to deal with the matters in question immediately prior to a critical date, we will not remind you of changes in the law which might affect you or future critical dates.
17. Advice
· Our Estate Planning Service arranges the drafting and implementation of the documents you may need to ensure your estate is distributed as you would want, in a tax efficient manner, and to protect the value for your heirs. This is an administration service and is not providing regulated financial or legal advice
18. Our Secure Client Communications
· Please note that email is not a secure method of communication. As a result we would advise you to take the utmost care of your personal information, including bank details. Where proof of identity and address checks are being carried out, we do not recommend that documents relating to this are ever sent by email. If we require proof of address, identity and bank account details in order to carry out Anti-Money Laundering checks, the individuals we need documentation from will receive an email from Countrywide Tax & Trust Corporation Ltd to allow them to submit this to us via Legl, our chosen provider for identity verification. We may also send information to you from Legacy Portal and the related app.