Blended Families

Planning for a family that does not fit the template

Second marriages, stepchildren, children from previous relationships, cohabiting partners, and the particular risks that arise when the standard Will template assumes a family structure you do not have.

Written for readers who have realised that the estate planning they have been offered does not quite map to the reality of their relationships. The guide covers sideways disinheritance, life interest trusts, and the conversations that are easier to have now than later.

📄 PDF · readable on any device 📘 Approximately 100 pages 🔒 Single-user licence

The particular risks, and how to see them

Blended families face real structural risks that families of the standard template do not. Recognising them is most of the work. The guide walks you through the patterns, the planning tools that address them, and the conversations that are usually best had before you draft anything.

01

What a blended family actually is

Second marriages, cohabiting partnerships, stepchildren, half-siblings, and the different structural patterns that arise.

02

Sideways disinheritance

The classic risk: assets left outright to a surviving spouse who later changes their Will or remarries, and children from a previous relationship lose out.

03

Life interest trusts

How a life interest works in practice, what it protects, what it costs, and where it genuinely resolves the competing interests.

04

Cohabiting partners

The rights cohabiting partners do not have, the protections that need to be built in deliberately, and the property ownership questions that matter most.

05

Stepchildren and inheritance

How the intestacy rules treat stepchildren, why the default is often not what the family expects, and the Will structures that get the intention right.

06

Family structure mapping

A structured exercise for mapping your family on paper, identifying where the interests diverge, and understanding what each person would expect.

07

Property ownership revisited

Why joint tenancy often defeats the planning in a blended family, and when severing the tenancy is the right first move.

08

Inheritance Act claims

Who can bring a claim, on what basis, and the planning steps that reduce the risk of one being brought against your estate.

09

Having the conversation

Guidance on talking to a new partner, existing children, and stepchildren about what you intend, before the decisions are locked in.

10

Deciding what to do next

The signals that suggest a specialist conversation would add real value, and how to prepare for it efficiently.

Written by a practitioner

RP

Rich Phillips

Solicitor · STEP Diploma · Private Client

Over 25 years in estate planning, wills, trusts, and probate. STEP-qualified with the Diploma in Trusts and Estates, a senior qualification in private client practice. Director of Cascade Legal Ltd (which publishes the Arvéla guides) and a partner at the SRA-regulated legal firm Arvéla works with for delivery of professional services. See Your Legal Services for provider details.

What the guide is, and what it is not

The guide is everything you need before you decide whether to instruct a solicitor. It will help most readers either sort things out themselves through a clear execution route, or arrive at any advisory conversation already knowing what they want from it. If, after reading, you decide to engage professional help, these are the routes through Arvéla's chosen legal service provider. Prices are agreed up front.

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The rest of the suite

Blended Families is one of four titles in the Arvéla planning library. It sits alongside the Essential Guide, which covers the structural ground that any estate plan assumes. Buying the library together saves against buying the titles one at a time.

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