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Bereavement and planning ahead

Here you’ll find all the information you need in relation to administering an account following the death of a client. In addition, we cover registering an Expression of Wish for a client’s pension, the rules and procedures relating to inherited ISAs and how to register a Power of Attorney with us (Court of Protection is covered too).

Following the death of a client, there are set procedures in place for dealing with their investments and these are summarised below. Our aim is to make the process as smooth as possible as we appreciate this will be a very difficult time for the family and others connected to the deceased.

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The steps to take following the death of a client

The individuals responsible for the handling of the estate need to take certain steps when dealing with a deceased client’s investments. These are summarised briefly below and more comprehensively within our Guide for Executors and Administrators. This guide may also provide useful information to advisers dealing with the death of a client.

Guide for Executors and Administrators

Step 1 – let us know

The first thing to do is to let us know that the client has died. We’ll also need the death certificate – we accept certified death certificates for both single and joint accounts.

We’ll then put a hold on the account, stop any dealing and reinvest any income generated by the investments. We’ll also stop any adviser ongoing fees, regular savings or withdrawal plan transactions and produce a valuation of the client’s account as at the date of death.

Step 2 – Probate

The executor or administrator will need to obtain probate – they will need to send us a sealed or certified copy of the grant of representation signed by each of the executors. This shows us they are authorised to deal with the estate.

There are instances where we can release money from the estate if probate is not being applied for (please refer to the question below for more details).

Step 3 – Distribute the assets

This is the point when beneficiaries decide whether they’d like us to invest the money into a new account, transfer the investments into a new name, or sell the investments to cash and send them the money.

Frequently asked questions

What are your document certification requirements?
What documents will you accept certified copies of?
What happens if my client's executors are not applying for probate?
Which application forms can be signed digitally?
What happens if I have an ongoing fee set up for the client?

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