Monthly Archives: May 2017

Information that an executor will need to collect

By | Executorship | No Comments

Collating financial information when someone dies


It is the executor’s responsibility to collate all information relating to the deceased’s person’s asset and liabilities. If the deceased left property, a large amount of cash or investments then the executor will need to apply for a Grant of Probate. This will provide the executor with the necessary legal authority to deal with the deceased’s assets and, if relevant, sale of the property.

Before the Grant of Probate can be applied for the executor will need to complete a financial inventory of all the deceased’s assets and liabilities to include: –

  • Property – was this owned jointly with another person? It may be that the deceased owned a share of the property (tenants in common). The value of the property/share must be established by way of an estate agent’s valuation.
  • Bank accounts – obtain a statement that shows the balance at the date of death
  • Shareholdings – obtain the share price for the date of death and multiply this by the number of shares held. If you are unsure how to do this you can speak to a stockbroker.
  • Investments – write to the organisation holding the investment and request a valuation for the date of death
  • Chattels (personal items) of a high value – arrange a written valuation
  • Vehicles – a local garage may value the vehicle or you can use an online valuations website
  • Cash found – if cash is found it must be recorded and held safely by the executor
  • If any utilities have been overpaid by the deceased you will need to record these in the financial inventory as a credit at the date of death



When collating financial information, you will need to ensure that you are aware of all liabilities for example: –

  • Utility bills – gas, electric, water, telephone and Council Tax
  • Credit Cards, Store Cards
  • Loans and finance
  • Mortgages
  • Overpayment of pensions and benefits


Once you have ascertained all assets and liabilities you are now able to complete either the IHT 205 or IHT 400 form. For more information please contact [email protected]

Arranging a funeral

By | Funeral Planning | No Comments

Arranging your loved one funeral

A funeral may only take place after the death has been registered. There are countless decisions that have to be made by the organiser during one of the most upsetting times of their lives. Often people describe organising a funeral as baffling, terrifying, weird, overwhelming and devastating but many of these emotions can be alleviated if there was a funeral plan in place.

Not everyone wishes to have a traditional funeral, some may choose a humanist funeral, green burial or even direct cremation. So, how do you find your loved one’s directions? If they had a Will they would have provided their funeral wishes or they may have indicated they had a funeral plan and if not, you will have to make these emotional decisions.

Below, you will find a useful checklist for arranging a funeral:-

  • Does the Will/funeral plan provide directions for burial/cremation?
  • Are ashes to be scattered or interred at a specific place?
  • Contact the funeral director, the GP or hospital may provide these details or, you may be aware of a reputable local company. This is a very distressing and emotional part of dealing with the death of a loved one. There are so many decisions to be made for example, where the service will take place and what time, how many cars will be required, will the coffin be pine or oak, chrome handles or gold-painted ones, what music will be played, arrangement for visiting your loved one in the chapel of rest. It may be beneficial to have a family meeting prior to meeting the funeral director so that the above areas can be discussed.
  • How many attendees and organisation of this
  • Order of Service
  • Flowers
  • Newspaper announcement
  • Where will the Wake be held – food, drink and accessibility for attendees

Payment of the Funeral

According to latest research* a funeral arranged in the usual way costs, on average £3,675 and in London, the price of a funeral is almost double the national average.

If your loved one had available funds in their bank account then arrangements can be made for the funeral account to be paid direct from these available funds. Ask the funeral director for a full account and take this to the bank – they will arrange payment direct to the funeral director.

In certain circumstances, you can apply for Bereavement Support Payment – to see if you are eligible call the Bereavement Service helpline or pick up a form from your local JobCentre Plus Bereavement Service Helpline Telephone: 0345 606 0265.

However, you choose to arrange a funeral, you should set a budget that you stick to.



Type of funeral Average cost* Includes
Direct cremation £1,600.00 Collection of the deceased, a simple coffin, and return of the ashes
Cremation using a funeral director £3,214.00 Collection and care of the deceased, a basic coffin, hearse and managing a simple service; but does not include an elaborate ceremony
Burial using a funeral director £4,136.00 Collection and care of the deceased, a basic coffin, hearse ad managing a simple service; but does not include an elaborate ceremony

Registering a death

By | Registering a death | No Comments

Having a loved one die is turns a familiar world upside down and feelings of grief take over making one feel vulnerable. As a result of death comes legal formalities which are required to be undertaken, these are as follows: –

The Early Stages

Registering the death

It is a criminal offence not to register a death.

The registration process is undertaken by the Registrar of Births, Deaths and Marriages and you should make an appointment with the Registrar once you have obtained the medical certificate of death. A death must be registered within five days (this can be extended to nine days if you advise the registrar that the medical certificate has been issued). If a Coroner is involved you will be unable to register the death until the Coroner’s investigations are completed.

You will need to take the following information with you to register a death: –

  • Date and place of death
  • Full name of the deceased (including their maiden name if relevant) and their last residential address
  • Date and place of birth
  • Their occupation
  • If married, the date of birth of their husband or wife
  • Whether the person was receiving a pension or any other social security benefits

Who registers the death

You cannot delegate the registration of the death to another person

The death will need to be registered by one of the following and in the following order: –

  • a relative who was present at the time of death
  • a relative present during the deceased’s last illness
  • a relative living in the district where the death took place
  • anyone else present at the death
  • an owner or occupier of the building where the death too place and who was aware of the death
  • the person arranging the funeral (not the funeral director)