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Services for the Elderly and Vulnerable Clients

Most of us hope to live to a ripe old age, surrounded by loved ones and with some financial security.  But achieving real peace of mind in later life involves considering some important legal matters in the form of Wills, Powers of Attorney, and planning for probate and estates after death.

There is also the reality that many elderly people now face: living with strokes, dementia and other limiting conditions, rendering them unable to handle their own affairs. Without provisions in place, affairs can be taken out of their relatives’ hands which can be distressing and costly.

Would your affairs be in good hands if you were suddenly unable to execute them yourself? Or are you on the other side, faced with handling matters for an incapacitated friend or relative?


In these situations, it is vital to find an experienced, reputable solicitor you can trust, who will support and advise you with delicacy and compassion. At HMG our calm, thorough and personable Private Client team will ensure you get the practical advice you need at what can be an emotional and overwhelming time.

We are highly experienced in handling matters patiently and sensitively, assisting elderly or vulnerable clients, their families or representatives with up-to-date advice tailored to personal and family circumstances.

Our Private Client lawyers are also all ‘Dementia Friends’, part of a national initiative run by The Alzheimer’s Society to spread awareness of the condition- another promise that we approach all our clients with genuine sensitivity and understanding.

Information on our Services

  • Tax Planning
    Inheritance Tax Inheritance tax (IHT) can be an unpleasant burden for your loved ones after your death, costing them potentially thousands of pounds. However, with a bit of planning and sound advice, there are various reliefs and exemptions you may be able to use to reduce the amount of tax payable, and maximise the inheritance you pass on to the next generation. Our experienced and highly respected IHT experts can provide guidance in all areas of inheritance tax planning: reviewing your affairs, calculating your likely exposure to inheritance tax, and suggesting steps you can take to reduce this liability in ways that suit your circumstances and priorities. This can include regular gifts from your income, using your annual gift allowance, transferring assets into a trust, and clever structuring of wills. Our approachable team will guide you through all of this in plain English, as well as getting you to think about other things you might not have considered, such as handling care home fees: ensuring peace of mind for you and the best inheritance possible for your loved ones. Capital Gains Tax If you are considering disposing of an asset such as a second home or a business, this may well incur a charge to capital gains tax. Avoid any surprises by speaking to us beforehand, and we’ll provide trusted advice on ways in which charges might be reduced or avoided completely. We have many years’ experience in the disposal of all sorts of assets, be it by gift or sale, and can be trusted to make the process as painless as possible. Income Tax Do you sometimes suspect you are paying more income tax than you need to? We can assist with a comprehensive review of your circumstances then advise on where tax savings might be made.
  • Personal Tax Compliance
    Annual income tax returns Overwhelmed by the process of submitting your annual income tax returns? Let the HMG team assist in preparing and submitting your return, either on a one-off or ongoing basis. Our experienced advisors are registered with HMRC so can follow up on payment of tax and further tax liability if needed. Tax disclosures Found yourself needing to disclose something about your tax affairs to HMRC? Perhaps you’ve only just realised you should have reported something regarding income or capital gains tax, after the event. With years of expertise in this area, our lawyers can assist with your disclosure with minimum fuss, negotiating with HMRC until the disclosure is complete, and providing authoritative support throughout. Dealing with HMRC as a non-resident Are you resident abroad, but have income arising or taxable in the UK? We can assist with all the reporting requirements which arise – from annual tax returns to a particular tax disclosure, or informal correspondence with HMRC to agree a way forward. Non-Resident Capital Gains Tax Charge If you are not resident in the UK but are disposing of residential property here, a Non-Resident Capital Gains Tax Charge may apply to your transaction. A return needs to be made to HMRC and any tax due needs to be paid within 30 days of completion – a time-sensitive process that you need to get right. We can expertly and efficiently handle all the requirements, giving you complete peace of mind across the time zones.
  • Trust Creation and Management
    Trust taxation Trust taxation is sophisticated, with trusts taxed in a different way to individuals, and varying depending on the type of trust. Trusts can sometimes be required to submit just one tax return for a particular income tax and capital gains tax event. They can also be liable to inheritance tax after a particular length of time or if a large sum of money is withdrawn. Let our trust tax specialist guide you through, advising on the correct income and capital gains tax treatments, when and why tax returns are required, helping you prepare your trust returns if required, and advising on inheritance tax liability. So you can relax safe in the knowledge that your trust is fully compliant and as tax-efficient as possible. Trust accounting Good trust management needs properly maintained accounts, enabling accurate financial reporting, more efficient processes and reduced costs. Feel your time is at a premium? The HMG private client team can be relied upon to create and maintain your trust accounts on your behalf to the highest of standards, keeping you in the loop along the way. Day to day trust management Take away the legwork of managing a trust and hand it all over to us. We oversee a number of trusts on a day-to-day basis, handling their accounting, tax compliance, payment of income (where appropriate) and review of trust assets (as required). We also facilitate storage of trust documentation, annual trustee meetings and multi-disciplinary meetings with accountants or financial advisors – all tailored to your specific requirements. Our team has extensive experience across all types of trust from bare trusts to discretionary trusts, and a wealth of sophisticated legal, accountancy and tax knowledge; giving you complete confidence that we’ll manage everything smoothly, and keep you informed on a regular basis. We can even assist with appointment and retirement of trustees, or can act as professional trustees ourselves. Or if you’re a trustee yourself, let us help manage some of your role, advising and assisting you in your responsibilities. Setting up a new trust Trusts can be an excellent tax-efficient option for anyone, whatever the size of their estate, saving loved ones time, money and paperwork. They are particularly useful if you have to provide for minors or vulnerable beneficiaries. Our expert trust and estate practitioners can guide you seamlessly through the entire process of establishing a new trust, including advising on the selection of suitable trustees and preparing trust documents. Whilst we are not authorised to provide financial advice, we can discuss with you the options for investment of your assets from property to equities and insurance products. We can also assist with regulatory work required. Trust regulatory compliance There’s a lot of regulation involved in trusts, including registering the trust with HMRC (compulsory for all trusts under the Fifth Anti-Money Laundering Regulation 2020), and reporting to various other tax authorities under the Foreign Account Tax Compliance Act and the Common Reporting Standard. We’ll cut through all the red tape for you, outlining your compliance obligations in plain English and assisting with your reporting either on a one-off or ongoing basis.
Ben Saunders

Ben Saunders

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Experts in Our Field


"I’d like to express my satisfaction for the services provided by Ben Saunders in drawing up POAs for my elderly parents. Given my parents age and mobility issues, Ben was kind enough to suggest visiting them in the comfort of their home. He was patient and considerate and listened to their concerns before recommending the best options for their needs. They appreciated the clear explanations Ben gave regarding legal terms and his professional yet caring manner immediately put them at ease. Overall we are impressed that everything was done quickly and efficiently in the comfort of their own home."

Mrs M Nasser

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