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How We Made This Couple's Dreams Come True

Mr & Mrs Cardle were not married, had bought a house in joint names and had been living there together for over 5 years. Mrs Cardle had two daughters from a former marriage and he had a son from his former marriage. During our visit we explained that if he and his partner were to die together in a tragic accident then his wife being younger than him would, by law, be considered to have died last.  In that event and also were he to die first anyway, the house would automatically belong to his wife as it was in joint names.

He realised then that he would have no control over his share of the home and she could remarry and do what she wished with the house and any other assets he left her in his Will.  She could even change her Will leaving everything to her daughters such that his son would get nothing.  This is often referred to as sideways disinheritance.

So we severed the tenancy on the property, so they each owned 50% of the house outright which they could then do with as they wished and their wishes were reflected in their respective Wills.  Mrs Cardle left her share of the house to her daughters and Mr Cardle his share of the house to his son.

However to ensure that each of them could remain in the property for the rest of their lives, Mr & Mrs Cardle each had a Protective Property Trust written in their will such that the surviving spouse could live in their residential home for their lifetime, but had the flexibility to move or downsize as they wished

Today people surround themselves with specialists taking care of different aspects of their lives.  For example a personal life coach, personal trainer & personal shopper. Then there are the personalised services people can access, such as wedding planning, home management, cleaning, interior design, landscape gardening and so on.

Yet many people go without probably the most important service of all, that of Estate Planning and Will Writing 

We Provide The Ultimate In Protection & Peace of Mind By Showing You 

  • Ways To Minimise Your Inheritance Tax Bill
  • How To Avoid Sideways Disinheritance
  • How To Ensure Your Beneficiaries Receive What You Want Them To
  • How To Be Cared For In Your Lifetime With Powers Of Attorney
  • How To Ensure Your Children Are Looked After By People You Know And Trust

and much much more!

Roger Bourdon
Roger Bourdon

I have been writing Wills, Powers of Attorney, Trusts and allied Estate Planning services for over 12 years since City & Country Financial Services, based in central London, was first established.

In addition to looking after clients within the bounds of the M25, I especially enjoy looking after those living in the Enfield area, which is where I live

Unlike Financial Services, Will Writing is not a regulated industry. However, the network I belong to and was trained by, Newleaf Distribution, treat it as though it were. I received extensive initial training and undergo regular ongoing training on all aspects of the industry.  I carry full Professional Indemnity insurance and offer a 14-day cancellation option in the event you decide not to proceed with my services.  Every Will, and I do mean every Will and not a selection of Wills, is independently checked to ensure its accuracy and compliance with your wishes.

I also have strict operational procedures I need to follow set by a separate Compliance department.  All of this ensures my clients are fully protected and get an Estate Planning service which fully meets their needs.

So whether you would prefer to meet locally in the Enfield area, in central London or your own home, during the day, evening or weekend, call me and let's get together.

Writing your Will is easier than you think.  It just needs an hour or two of your time.”

Our Services

Single & Joint Wills

Unless you make a will, your estate may not pass to the people you want it to. Should you pass away without one, the law decides how your assets are distributed. People who die without a will (or ‘intestate’ as it is known) can leave their families with complex financial affairs to deal that can take months to sort out

Living Wills

A Living Will is a legally binding option for people wishing to retain control over future medical conditions. It usually gives specific details about medical treatment and life-sustaining treatment. A Living Will can only be made by someone who mentally capable of making such decisions

Will Storage

All client documents are stored in a secure facility . Our secure storage facility provides secure perimeter fencing & electronic access gates, 24 Hour CCTV Monitoring and full protection against fire, flooding & water damage.

Lasting Power of Attorney

If you lose the capacity to take decisions for your self, no one else can, including your spouse. unless there is a Lasting Power of Attorney in place.  Without it, your spouse will  need to apply for permission to take these decisions causing unnecessary delay and can costing thousands.

Inheritance Tax (IHT)

Inheritance Tax (IHT)  is a tax on the estate of someone who’s died. Their estate is defined as the total value of their assets less the total value of their liabilities.  After deducting their tax free allowances any remaining amount is taxed at 40%.  However, there are ways to mitigate and reduce your IHT liability

Funeral Plans

The cost of a complete funeral is significantly outstripping inflation often leaving bereaved relatives unable to pay for a funeral for more than a year or needing to borrow from friends and family.  Not surprisingly over half a million people in the UK have taken out some form of funeral plan, which caps the price of a funeral at today's prices


There are many ways in which you can mitigate against Inheritance Tax and Trusts whether written in a Will or produced in your lifetime are a powerful way to do so.  Mitigating against Inheritance Tax is an all-important part of Estate Planning

Probate & Estate Administration

Estate administration is the process of dealing with a person’s legal and tax affairs after they’ve died. This means dealing with all their assets (such as property, shares and personal possessions), paying debts and paying any Inheritance Tax and Income Tax. Whatever's left is transferred to beneficiaries. 

Find out more

Ours is a personal service with a dedicated, named contact available to you on a direct line or through email. If you’d like to find out more, complete our enquiry form and one of our experienced staff will be in touch. Alternatively, phone us now on

07958 221460 or 020 3137 0500 OR