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It covers what you actually own (including the joint-property and pension traps that catch most families), choosing executors and guardians, structuring gifts and legacies, inheritance tax in two pages, and the witnessing errors that quietly invalidate DIY wills.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eWhat you own — and why joint tenancy can override your will entirely\u003c\/li\u003e\n\u003cli\u003eChoosing executors, guardians and how children inherit\u003c\/li\u003e\n\u003cli\u003eGifts, legacies and the residue, explained in layers\u003c\/li\u003e\n\u003cli\u003eWhat invalidates a will, and when to review yours\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075845542215,"sku":"KO-01","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/01.png?v=1780584873"},{"product_id":"do-i-need-a-trust","title":"Do I Need a Trust?","description":"\u003cp\u003eTrusts are not exotic — but they are heavily over-sold, and this guide gives you enough understanding to tell a genuine recommendation from a sales pitch.\u003c\/p\u003e\u003cp\u003eIn plain English, it explains what a trust actually is, the four types families really meet, when one genuinely helps — vulnerable beneficiaries, blended families, life insurance in trust — and when a clear will and LPAs do the same job at a fraction of the cost. It also lays out the real ongoing costs and the nine questions to ask before signing anything.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eBare, discretionary, life interest and will trusts, demystified\u003c\/li\u003e\n\u003cli\u003eWhen a trust is close to essential — and when it isn't\u003c\/li\u003e\n\u003cli\u003eThe truth about \"asset protection\" trusts and care fees\u003c\/li\u003e\n\u003cli\u003eNine questions that filter out every bad scheme\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075846623559,"sku":"KO-02","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/02.png?v=1780584871"},{"product_id":"how-to-diy-probate","title":"How to DIY Probate","description":"\u003cp\u003ePlenty of estates never need probate at all — and the ones that do are often genuinely manageable yourself, saving thousands in fees.\u003c\/p\u003e\u003cp\u003eThis step-by-step guide takes an executor from \"do you actually need a grant?\" through registering and securing, valuing the estate, dealing with inheritance tax, applying online, collecting in, paying out in the right order, and distributing safely. It is honest about where DIY works, where it doesn't, and the personal liability that comes with rushing.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eSix clear steps from death certificate to final accounts\u003c\/li\u003e\n\u003cli\u003eWhy distributing too early is the costliest DIY mistake\u003c\/li\u003e\n\u003cli\u003eThe undervaluation trap that triggers HMRC enquiries\u003c\/li\u003e\n\u003cli\u003eExactly when to call in targeted professional help\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075846787399,"sku":"KO-03","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/03.png?v=1780584871"},{"product_id":"dying-without-a-will-the-intestacy-rules","title":"Dying Without a Will: The Intestacy Rules","description":"\u003cp\u003eDie without a will and the law doesn't ask what you would have wanted — a fixed formula decides everything.\u003c\/p\u003e\u003cp\u003eThis guide sets out exactly who inherits what under the intestacy rules of England \u0026amp; Wales: the strict family ladder, the £322,000 statutory legacy, and the people the rules ignore entirely. Unmarried partners get nothing, however long you've been together. Stepchildren are invisible. And blended families can see an inheritance slide sideways out of the family in two deaths.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe full inheritance ladder, rung by rung\u003c\/li\u003e\n\u003cli\u003eThe unmarried partner trap — and the \"common-law spouse\" myth\u003c\/li\u003e\n\u003cli\u003eWhy stepchildren and blended families lose out twice\u003c\/li\u003e\n\u003cli\u003eHow one document opts you out of all of it\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075846885703,"sku":"KO-04","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/04.png?v=1780584871"},{"product_id":"lasting-powers-of-attorney-explained","title":"Lasting Powers of Attorney Explained","description":"\u003cp\u003eYour next of kin has no automatic right to manage your affairs — only an LPA, or a court order, gives anyone that authority.\u003c\/p\u003e\u003cp\u003eThis guide explains both LPA types in plain English, why every adult needs them (capacity can be lost in an afternoon, at any age), and the honest comparison with the Court of Protection deputyship route: months slower and far more expensive. It then walks the DIY route through gov.uk step by step, covering attorney choices, the joint-versus-several decision, and the errors that get thousands of applications rejected each year.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eFinance and health \u0026amp; welfare LPAs, side by side\u003c\/li\u003e\n\u003cli\u003eWhy deputyship is the expensive version of the same outcome\u003c\/li\u003e\n\u003cli\u003eThe full gov.uk DIY process, including fees\u003c\/li\u003e\n\u003cli\u003eThe mistakes that get LPAs rejected — and the safeguards built in\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075846984007,"sku":"KO-05","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/05.png?v=1780584872"},{"product_id":"care-fees-amp-your-home-myths-vs-facts","title":"Care Fees \u0026 Your Home: Myths vs Facts","description":"\u003cp\u003eMost of the fear around care fees — and most of the sales pitches — rely on you not knowing how the system actually works.\u003c\/p\u003e\u003cp\u003eThis guide sets out the real means-test thresholds, exactly when your home is and isn't counted, and the mandatory disregards that already protect couples. It explains deliberate deprivation (no, there is no seven-year rule for care fees), why \"put the house in the kids' names\" usually makes everything worse, the trust schemes to avoid, and the legitimate planning that genuinely works — including the tenants-in-common will trust route for couples.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eHow care funding really works, with the actual figures\u003c\/li\u003e\n\u003cli\u003eWhen your home is disregarded — automatically\u003c\/li\u003e\n\u003cli\u003eDeliberate deprivation, explained without the scare stories\u003c\/li\u003e\n\u003cli\u003eEight questions that expose a bad scheme before you sign\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075848917319,"sku":"KO-06","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/06.png?v=1780584872"},{"product_id":"inheritance-tax-basics","title":"Inheritance Tax Basics","description":"\u003cp\u003eMost estates pay no inheritance tax at all — but frozen allowances and rising house prices pull more ordinary families into the net every year.\u003c\/p\u003e\u003cp\u003eThis guide explains the nil rate band, the residence nil rate band, and the quick self-test to see where you stand. It covers the huge advantages married couples have (and unmarried partners don't), the 7-year rule on gifts and its hidden traps, what's changing for pensions from April 2027, and the boring, low-risk steps that legitimately cut a future bill.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe allowances explained, with a two-minute self-test\u003c\/li\u003e\n\u003cli\u003eGifts, PETs and the taper relief myth\u003c\/li\u003e\n\u003cli\u003ePensions, life insurance in trust, and the 2027 changes\u003c\/li\u003e\n\u003cli\u003eSeven simple ways to reduce the bill — no schemes required\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075850948935,"sku":"KO-07","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/07.png?v=1780584871"},{"product_id":"the-executors-first-30-days","title":"The Executor's First 30 Days","description":"\u003cp\u003eIf you've just discovered you're an executor, here is the calm truth: almost nothing has to happen today.\u003c\/p\u003e\u003cp\u003eThis guide walks you through the worst month in order, separating the genuinely urgent — registering the death, securing and insuring the property, Tell Us Once — from the jobs that merely feel urgent. It covers finding the will, the notification round, protecting an empty house, gathering paperwork for the valuation, and what to do if you don't want the job at all.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe first 48 hours, step by step\u003c\/li\u003e\n\u003cli\u003eTell Us Once, the contact log and the notification round\u003c\/li\u003e\n\u003cli\u003eThe empty-house insurance trap that costs estates thousands\u003c\/li\u003e\n\u003cli\u003eRenouncing, reserving power, or getting help — your options\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eInstant PDF download. England \u0026amp; Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075851833671,"sku":"KO-08","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/08.png?v=1780584892"},{"product_id":"estate-planning-for-blended-families","title":"Estate Planning for Blended Families","description":"\u003cp\u003eSecond marriages and stepfamilies are one of Britain's most common family shapes — and one of the worst served by standard wills.\u003c\/p\u003e\u003cp\u003eThis guide explains sideways disinheritance: how \"everything to each other\" wills quietly cut out children from a first marriage, with nobody behaving badly. 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Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.\u003c\/em\u003e\u003c\/p\u003e","brand":"Kieran Osborne","offers":[{"title":"Default","offer_id":54075851931975,"sku":"KO-09","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0865\/7734\/8935\/files\/09.png?v=1780584892"},{"product_id":"business-owners-when-you-die-or-lose-capacity","title":"Business Owners: When You Die or Lose Capacity","description":"\u003cp\u003eYou have a plan for losing a big customer. 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