LEAVING A LEGACY
A gift in your Will can ensure our doors stay open to support local people at times of crisis.
Thank you for your interest in supporting us through your will.
We have produced this short guide to help you understand the process.
The advice given has taken a huge weight off my shoulders.
Now I feel I have a clear direction and know how to deal with my problems.
Please note; for changes to wills and similar documents, we would always recommend getting suitable legal advice.
However, we are happy to answer any questions you or your solicitor may have.
Our team are here to help every step of the way. If you have any concerns, please feel free to get in touch by emailing our Fundraising Manager.
Stuart Dark Fundraising Manager s.dark@ncab.org.uk
The Difference you could make
How to start the process
Changing a Will you have already made 9
Types of Legacy 10-11
The Difference you can make
We provide free, impartial, accredited advice and information to anyone who comes to us for help, delivered by our team of 174 highly-trained, local volunteers. We help people to resolve their problems. You could help us to lift people out of poverty and ensure that local people are able to find solutions to complex issues that can truly transform their lives.
None of us can predict what problems our families may face in the future. They might have money difficulties, a relationship breakdown or ill health. They might have a disability, face an employment dispute or become a victim of discrimination. We are determined to make sure that whatever problems they face in the future, they don't have to face them alone. Your gift can help us achieve this aim.
A gift in your will is an investment
in the future.
Our advice services are more in demand today than ever before, and as we move into the future that demand looks set to grow even further. Any gift will help to ensure that we are still here for your family and friends, and their children and grandchildren.
Gifts left to charities in wills—usually known as legacies—don't need to be large. Even a small percentage of your estate, left as a gift, can make a big difference.
I have used the CAB on and off for nearly 50 years and found it an invaluable service.
I would say probably the most incredible service this country has to offer alongside the NHS.
Our service provides not only excellence but outstanding value for money. Using a model from HM Treasury, we know that for every £1 invested in us: there is a gain of £18 to the wider public in terms of economic and social benefits.
Our services provide relief to DWP services, housing associations and the NHS, allowing them to focus their resources on the most vulnerable individuals in the community.
How to start the process
When you write a Will, it's your chance to decide who you would like to receive your assets (these could be money or objects, so perhaps a house / pension / savings) after you have gone. A Will is a legally significant document and needs to be drawn up with care to ensure that your wishes can be followed.
If you have not drawn up a will yet, we suggest you consider consulting a solicitor about your wishes. It is important to note, however, that there is no need for a will to be drawn up or witnessed by a solicitor.
If you do not know one you can look at the Law Society’s website which has local suggestions: www.lawsociety.org.uk
As always this is a great service and is a valuable part of our society helping the general public understand Government, the law and providing advice in difficult circumstances for free.
Before you meet with the solicitor it is a good idea to think about what you want to put in your Will. We recommend creating a list of any assets you have or any liabilities that will need to be taken care of. This can include bank accounts, property, insurances, jewellery and debts, mortgages or loans.
You will also need to appoint an Executor – this is a person you trust to ensure that your wishes are carried out. You can ask a family member, a friend or your solicitor. It does not matter if your executor benefits from your Will.
For additional guidance on making a will, we have free and up-to-date advice available on our website at: www.citizensadvice.org.uk/family/death-andwills/wills/
I feel very confident now that there is a light at the end of the tunnel. I could not have gone forward without help as my problems had become overwhelming.
If you have already made your Will and wish to change any part of it you need to add a codicil. This is a form that is added into your will and reflects any changes to your circumstances.
If you need a codicil, there is one at the back of this pack or you can contact our Fundraising Manager Rosie at r.cammell@ncab.org.uk and we would be happy to send you a paper copy You can also download a pdf copy from our website at: www.ncab.org.uk/leaving-a-legacy
Types of Legacy
Many people are surprised by how much their assets add up to. You don't need to be wealthy to make a will or to leave a legacy. After taking care of your loved ones, you can then choose to leave us a:
Pecuniary legacy
Residuary legacy or, a Specific legacy
Pecuniary Legacy/Gift
Pecuniary gifts are a cash gift of a specific sum of money. If you would like to leave a pecuniary gift to Norfolk Citizen’s Advice the following wording may be useful to your solicitor:
“I give to Norfolk Citizen’s Advice Bureau, Broadland House, 54 Whiffler Road, Norwich, Norfolk NR3 2AY, registered charity number 1071297 the sum of £ for its general charitable purposes. I further direct that the receipt of the Chief Executive or other proper officer of the said charity for the time being shall be a full and sufficient discharge for the said gift.”
Residuary Legacy/Gift
Residuary gifts are a percentage sum of your estate. After all individual gifts have been allocated, the remainder of your assets are divided up on a percentage basis. The benefit of a residuary legacy is that the value is not affected by inflation as it is not a fixed sum.
If you would like to leave a residuary legacy to Norfolk Citizens Advice your solicitor may find the following wording helpful:
“I give all (or a % share) of the residue of my estate to Norfolk Citizen’s Advice Bureau, Broadland House, 54 Whiffler Road, Norwich, Norfolk NR3 2AY, registered charity number 1071297) for its general charitable purposes. I further direct that the receipt of the Chief Executive or other proper officer of the said charity for the time being shall be a full and sufficient discharge for the said gift.”
Specific Legacy/Gift
A specific gift is a gift of a specified item. This can be a personal possession, land, buildings or stocks and shares.
If you would like to leave a specific item to Norfolk Citizens Advice your solicitor may find the following wording helpful:
“I give (specify item) to Norfolk Citizen’s Advice Bureau, Broadland House, 54 Whiffler Road, Norwich, Norfolk NR3 2AY (registered charity number 1071297) for its general charitable purposes. I further direct that the receipt of the Chief Executive or other proper officer of the said charity for the time being shall be a full and sufficient discharge for the said gift.’
Thank you for your trust and commitment. Our impact relies on your support.
A charitable company limited by guarantee and registered in England & Wales.
Company Registration Number: 3617412
Registered Charity Number: 1071297
We are authorised and regulated by the Financial Conduct Authority - FRN: 617678
Codicil Norfolk
Declare this to be a (first/second/third) codicil to my will dated In addition to any legacies in my will, I give to Norfolk Citizen’s Advice Bureau (registered charity number 1071297) of 83-87 Pottergate, Norwich NR2 1DZ.
The sum of £ A % share of my estate
The following specific item(s):
To be used towards its general purposes and I declare that the receipt of the Treasurer or duly authorised officer shall be a full and sufficient discharge. In all other respects I confirm my will and any other codicils thereto.
Signature
Date
Please ensure you sign this form in the presence of two independent witnesses, and that they sign below in the presence of you and each other. The following people cannot witness your codicil: 1) A beneficiary of your will 2) The spouse of a beneficiary of your will Witness 1 Name
Signature Address
Occupation
Witness 2 Name
Signature Address
Occupation
Fakenham, Great Yarmouth, Holt, King’s Lynn, North Walsham, Watton, Wymondham, Aylsham, Cromer, Marham and Reepham