The panel

Eleven specialists. One conversation. Your panel for life.

Most online wills give you a form. WillWise gives you a panel. Each specialist brings real expertise to a specific part of your life — family, tax, faith, trusts, pensions, care, digital legacy. They confer with each other, hand off naturally, and build your Financial DNA together.

You speak with one specialist at a time. Terra orchestrates: she meets you first, learns what kind of will you need, and brings in the right specialists in the right order. Each specialist owns one domain. Where their domain has a FutureGuard sister brand, the handoff for ongoing service is built in — so you're never charged for things you don't need, and never bundled with services that may never apply.

Below: the orchestrator first, then the ten specialists.

T
Orchestrator · always present

Terra

Terra meets you first. She understands the shape of your life — partner, children, business, faith, complexity — and decides which specialists you need and in what sequence. She also handles the moments between specialists: explaining handoffs, summarising what's been captured, and bringing the right voice in at the right moment. She stays present throughout and is the one you talk to if you don't know who you need.

The ten specialists

Each specialist owns one part of the picture. They work in sequence so you're not overwhelmed, and they hand off explicitly so you always know who you're talking to and why.

I
Iris
Profile

Iris captures the legal foundation of who you are — the basics that go on the face of every will and form the skeleton of your Financial DNA. Calm, methodical, never rushes you.

Handles
Identity, address, domicile, capacity confirmation, voluntary execution, your home and other property, vehicles, household chattels, ISAs, savings, investments, life insurance status
Sister brand: FutureGuard hub
L
Linden
Family

Linden holds your family in mind — partners past and present, children of all kinds, grandchildren, godchildren, anyone you support, anyone you've fallen out with. Warm, careful, asks the questions other will writers skip.

Handles
Marriage and civil partnership history, biological/step/adopted children, pregnancy at time of will, deceased children's inheritance, deliberate exclusions and the Inheritance Act 1975 reasons that defend them
Sister brand: FutureGuard hub — family stays in your single account
C
Caspian
Estate Law

Caspian drafts the will itself — clause by clause, in solicitor-grade English, with the legal precision of a STEP-qualified practitioner. He's the one who decides whether you need a survivorship period, age contingency, per stirpes, or trust structures.

Handles
Executors (personal, professional, or both — Farewill-style), guardianship, specific bequests, pecuniary legacies, residue with survivorship and class definitions, executor powers, exclusions, letter of wishes
Sister brand: SettleWise — for probate and estate administration
M
Meridian
Tax

Meridian thinks in IHT. She runs the numbers on your estate, watches the £2.5M BPR cap, applies APR for farmland, identifies the 10%-to-charity reduced-rate election, and tells your executors what they need to know before the IHT400 lands.

Handles
IHT planning, nil-rate band and RNRB, business property relief, agricultural property relief, charitable giving optimisation, 7-year PETs and gifts, spousal exemption, taper relief, April 2027 pension rule
Sister brand: AI IFA — for ongoing tax-aware planning
A
Aster
Trust

Aster is brought in when a trust is needed — Disabled Person's Trust to protect means-tested benefits, Bereaved Minor's Trust for under-18s, IPDI for a spouse with children from a prior relationship, discretionary trusts for grandchildren.

Handles
Disabled Person's Trust (s89 IHT 1984), Bereaved Minor's Trust, Immediate Post-Death Interest, discretionary trusts, trustee selection and powers, trust drafting and registration with HMRC TRS
Sister brand: Ingenious Trust Services — for ongoing trustee administration
O
Oriel
Pension

Oriel knows pensions don't pass by your will — they pass by nomination forms with the scheme. He audits every pension you hold, checks your nominations are current and aligned with your will, and warns you about the April 2027 IHT change.

Handles
DB and DC pensions, SIPP and SSAS, annuities, expression of wishes forms, death-in-service benefits, lifetime allowance considerations, post-2027 IHT exposure, drawdown succession
Sister brand: AI IFA — for nomination updates
S
Seraph
Faith & Culture

Seraph appears when faith or cultural tradition shapes how things must be done. She knows Islamic inheritance shares (faraid), Jewish burial timing, Hindu cremation requirements, Sikh observances, Catholic and Anglican preferences. Quiet, respectful, fluent.

Handles
Faith-aligned inheritance distribution, burial vs cremation requirements, timing constraints (often 24 hours), specific funeral instructions, post-death rituals, family communications
F
Astra
Funeral

Astra captures your funeral wishes — burial or cremation, location, music, readings, organ donation, body for medical research. She knows what your family will need to know in the first 48 hours, and what an FCA-regulated funeral plan can do to take the cost off them.

Handles
Funeral type and location, ceremony content, organ donation register, body for medical research, existing pre-paid plans, written wishes that go with the will
R
Rowan
Care

Rowan is the specialist for vulnerable dependants and later-life planning — disabled adults you support, elderly relatives you care for, your own future care funding. She thinks about means-testing, deprivation of assets, and how to protect your home from care fees without falling foul of the rules.

Handles
Vulnerable dependants, ongoing care obligations, means-tested benefit protection, care fee planning, deferred payment agreements, immediate-needs annuities, asset protection trusts
P
Pax
Digital Legacy

Pax handles everything digital — email accounts, password managers, crypto wallets, domains, intellectual property, online businesses, social media. He knows what dies with you, what's recoverable, and what your executors will need on day one.

Handles
Email account access, crypto wallet keys and recovery phrases, password manager handover, social media memorialisation or deletion, domain transfers, IP and content rights, subscription cancellation
Sister brand: DigitalSafe — secure executor-only digital vault

How the panel works in practice

  1. Terra meets you first

    She asks what stage of life you're at and what kind of complexity you're carrying. Based on your answers she chooses which specialists you need — most people meet four or five, complex cases meet eight or nine.

  2. Specialists join in sequence, not in parallel

    You only ever talk to one at a time. When Iris is done with the basics, she explicitly hands to Linden. You see the handoff — there's never confusion about who you're speaking with.

  3. Your Financial DNA builds in real time

    Every answer is captured into a structured profile that all specialists share. They can see what's already been said and don't ask you the same question twice. You see the panel building it on the right.

  4. Specialists confer behind the scenes

    When Meridian spots an IHT issue that Aster could solve with a trust, Meridian flags it. Aster picks it up at the right moment in the conversation rather than interrupting. The choreography is invisible but constant.

  5. Caspian drafts the will

    When the panel has captured everything, Caspian takes over. He drafts clause by clause, voicing the legal language so you understand exactly what your will says — not just what it covers.

  6. The right brand picks up specialised work

    Probate, funeral plans, trust admin, life insurance review, care funding — these aren't bundled into your will fee. Each specialist hands you to the FutureGuard brand that handles their domain, with clear pricing for what you actually need, when you actually need it.

Meet your panel.

Twenty minutes. £79 for a competently drafted will. The panel is included — every tier.

Start your will