About Us
CS Financial Group Limited are experienced will writers and estate planners built on CS Financial Groups values of honesty, trust and integrity. We are experts in helping our clients plan ahead to protect their loved ones and manage their estate planning needs. We work with clients face to face in both West Yorkshire and the North East along with clients across the UK via virtual meetings. All our clients receive the Five Star service they would expect irrespective of how we help with their estate planning needs.
Meet The Team
Jayne Kelly
Will Writer & Estate Planner
How did you get into the role?
My husband owns an estate agency and we wanted to compliment the bespoke service we offer by keeping everything under one roof.
What do you love about what you do?
The satisfaction of getting people to where they want to be.
How do you describe your job to family?
I can get you a house and keep you in it!
What powers you through the day?
Grande Lattes, lots of. And job satisfaction, in bucket loads.
If you weren’t a mortgage adviser, what job would you love to do?
A personal shopper, I’m great at spending other people’s money!
What’s an ideal weekend for you?
So many variations but ‘ideal’ would include a lie in, Starbucks and a nice restaurant.
The one tune that motivates you?
Got to be Gloria! Don’t come better than that.
Lisa Harrison
Will Writer & Estate Planner
How did you get into the role?
I had worked my way up in banks and building societies but the lack of choice for customers infuriated me so I just had to take the leap of faith and go get them a better choice as a broker.
What do you love most about what you do?
Making clients happy, whether it be buying a new home, improving the one they have or simply saving them money and giving them piece of mind.
How do you describe your job to your family and friends?
I help people get the home they want and save money.
What ‘powers’ you through the day?
My kids Dylan and Megan
If you weren’t a mortgage adviser, what job would you love to do?
A wedding planner….hahaha I must love helping people with the most stressful life events possible
What’s an ideal weekend for you?
A Gin or two with the girls or watching Rugby on Friday night, Something fun with the kids on Saturday, see my family, then being wined and dined would be nice. Sunday morning in the fresh air watching my boy play rugby then home for a Sunday roast, bath and duvet and a movie with the kids.
The one tune that motivates you?
I got a feelin….oooo…oooh that tonights gonna be a good night
One thing on your bucket list and why?
To enjoy my grandchildren one day…..it means I haven’t worked myself to death before then!
What Is A Will?
A Will is a document that expresses a person’s wishes as to what will happen to their assets on their death. A Will is the only method to ensure that your wishes are carried out after your death.
What happens without a will?
Without a valid Will, assets will pass by the Law of Intestacy which may not be what you would have wished. In any event, it is likely to take longer than if a Will had been made, would likely cost more money for the estate and could lead to the estate being taxed more.
During this time, your beneficiaries will not be able to draw any money from your estate. This can cause arguments between, and distress for, your loved ones.
Updating An Old Will
If you have an existing Will, it may need updating to reflect a change of circumstances, for example including additional grandchildren or removing people who you no longer wish to benefit.
It may also be the case that an old Will is no longer the most efficient way to distribute an estate due to changes in the law. It is highly advisable that a Will is reviewed every three to five years.
Inheritance Tax Planning
The Rules of Inheritance Tax have become more and more complex in recent years. Having a professionally drafted Will can ensure that your estate is distributed in the most tax efficient manner.
Protection Of Assets
It is a fairly common wish for assets to be protected, this could be from a spouse remarrying or from a spendthrift child. Professionally drafted Wills can include provisions for trusts to be set up on your death to ensure assets are protected.
Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will writing is not regulated by the Financial Conduct Authority.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
