22/03/2026

Your situation analysis

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Name of spouse:
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Thank you for making a personal analysis of your situation on our website. The recommendations from the next page onwards are based on your answers. Please note that the answers and recommendations provided are not exhaustive but express basic principles about your issues that you should consider. People's life situations vary considerably and each situation is also unique. For an accurate analysis of your particular situation, please contact our office.

A SUMMARY OF YOUR CURRENT SITUATION

Prenuptial agreement

On the basis of the information you have provided, you have drawn up a marriage contract. The marriage contract can always be updated to reflect the current situation if both spouses agree. For example, you can change a marriage clause that completely excludes the right to marry into a partial marriage clause, which excludes, for example, business property. The new prenuptial agreement must be drawn up in the same form as the previous one, i.e. it must be signed by you and your spouse and certified by two witnesses. The new prenuptial agreement will enter into force and replace the previous one once it has been registered with the National Register of Civil Status.

We advise you and your spouse to check whether your current prenuptial agreement still reflects your current will.

Prenuptial agreement

You have not drawn up a prenuptial agreement and would like to share your assets with your spouse in the event of divorce or death. We therefore recommend that you consider drawing up a marriage settlement agreement, as it is practically the only way to ensure that your assets are dealt with in the way you and your spouse want. If you do not draw up a prenuptial agreement, a distribution will be made at the end of the marriage to calculate the amount of the equalisation payment that the wealthier spouse will have to pay to the less wealthy spouse, so that the value of each spouse's assets is equal.

There are three different options for the form of the pre-nuptial agreements. First, the spouses can stipulate that neither of them has a matrimonial right to any of the other's property. Secondly, the spouses can stipulate that neither of them has a matrimonial right to certain property of the other, such as property received as a gift or inheritance. Thirdly, the spouses may stipulate that only one of them has no matrimonial property rights to any or certain property of the other.

A prenuptial agreement enters into force when it is registered with the National Register of Civil Status and Population.

Prenuptial agreement

You have not drawn up a prenuptial agreement, but you do not want to divide your assets with your spouse in the event of a divorce or death. We therefore recommend that you consider drawing up a prenuptial agreement, as it is practically the only way to ensure that your assets are dealt with in the way you want. If you do not draw up a prenuptial agreement, a distribution will be made at the end of the marriage to calculate the amount of the equalisation payment that the wealthier spouse will have to pay to the less wealthy spouse, so that the value of each spouse's assets is equal.

There are three different options for the form of the pre-nuptial agreements. First, the spouses can stipulate that neither of them has a matrimonial right to any of the other's property. Secondly, the spouses can stipulate that neither of them has a matrimonial right to certain property of the other, such as property received as a gift or inheritance. Thirdly, the spouses may stipulate that only one of them has no matrimonial property rights to any or certain property of the other.

A prenuptial agreement enters into force when it is registered with the National Register of Civil Status and Population.

Last will and testament

According to what you have told us, you are married and have children. You and your spouse also live in a shared owner-occupied dwelling and it is important for you to ensure that your spouse will be able to live with you after your death. You also want your spouse to have control or ownership of your property after your death. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

A will is one way of ensuring that your widow or widower can live with you after your death. If you have not made a will, the law allows the widow to keep the dwelling used as a common home, provided that the widow's own assets do not include a dwelling suitable for use as a home. However, the widow or widower may not, without the consent of the heirs, exchange the home for a more suitable alternative. By making a will, you can ensure that the widow or widower can live in a dwelling that is suitable for her or his needs.

A will is also a way of ensuring that you can designate some of your assets to your widow, either through rights of use and possession or ownership. A very typical type of will among married couples is a mutual will, in which the spouses bequeath to each other the right to use and control their property and express the wish that the children of the deceased spouse should not claim their share of the estate. There is no inheritance tax to be paid on the right of use and possession and the right of use and possession also reduces the amount of inheritance tax payable by the beneficiaries.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

According to what you have told us, you are married and have children. You and your spouse also live in a shared owner-occupied dwelling and it is important for you to ensure that your spouse will be able to live with you after your death. You also want your spouse to have control or ownership of your property after your death. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

A will is one way of ensuring that your widow or widower can live with you after your death. If you have not made a will, the law allows the widow to keep the dwelling used as a common home, provided that the widow's own assets do not include a dwelling suitable for use as a home. However, the widow or widower may not, without the consent of the heirs, exchange the home for a more suitable alternative. By making a will, you can ensure that the widow or widower can live in a dwelling that is suitable for her or his needs.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

According to what you have told us, you are married and have children. You also live in a shared owner-occupied dwelling with your spouse. You also want your spouse to have control or ownership of your property after your death. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

A will is also a way of ensuring that you can designate some of your assets to your widow, either through rights of use and possession or ownership. A very typical type of will among married couples is a mutual will, in which the spouses bequeath to each other the right to use and control their property and express the wish that the children of the deceased spouse should not claim their share of the estate. There is no inheritance tax to be paid on the right of use and possession and the right of use and possession also reduces the amount of inheritance tax payable by the beneficiaries.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

According to what you have told us, you are married and have children. You also live in a shared owner-occupied dwelling with your spouse. You also want your spouse to have control or ownership of your property after your death. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

After your death, the law allows the widow to keep the dwelling used as a common home, if the widow's own assets do not include a dwelling suitable as a home. However, the widow may not, without the consent of the heirs, change the dwelling to a more suitable alternative.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

According to what you have told us, you are married and have children. You also want your spouse to have control or ownership of your property after your death. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

A will is also a way of ensuring that you can designate some of your assets to your widow, either through rights of use and possession or ownership. A very typical type of will among married couples is a mutual will, in which the spouses bequeath to each other the right to use and control their property and express the wish that the children of the deceased spouse should not claim their share of the estate. There is no inheritance tax to be paid on the right of use and possession and the right of use and possession also reduces the amount of inheritance tax payable by the beneficiaries.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

According to what you have told us, you are married and have children. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

Even if you want your children to inherit you in full, it can still be worthwhile to make a will. If necessary, you can use a will to direct more of your assets to a child who you believe needs them. On the other hand, you can use a will to exclude the marital rights of your children's current or future spouses, thus ensuring that assets that have been in the family for a long time and passed down from generation to generation, for example, remain in the family.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

You are married and have no children or other heirs. If you do not make a will, your property will go to your widow on your death, even if you and your widow have had a pre-nuptial agreement that excludes the right to marry. Your secondary heirs - your parents, siblings and their descendants - will have their rights to the estate deferred until your widow has also died. Thereafter, your widow's property will be divided not only among your secondary heirs but also among her heirs. In addition, the widow cannot make a will during her lifetime which would effectively exclude the right of your secondary heirs to your widow's estate.

By making a will during your lifetime, you can influence what happens to your assets when you die. Of course, you can still make a will in favour of your spouse, completely excluding the rights of secondary heirs. On the other hand, you can also make a will in favour of someone other than your widow or widower. Even in these situations, your widow has the right to control the property used as a common home, together with the movable property, as an undivided estate.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on your answers, you are cohabiting and have children. You also want to leave some of your assets to your spouse after your death. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to people to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request. Under no circumstances will your spouse inherit your estate without a will, nor will he or she inherit your estate undivided.

We strongly advise you to make a will, as it is the only way to ensure that your spouse will also receive your property after your death.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on your answers, you are cohabiting and have children. If you do not make a will, your property will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request. Your spouse will not inherit from you and will not inherit your estate undivided.

Even if you want your children to inherit you in full, it can still be worthwhile to make a will. If necessary, you can use a will to direct more of your assets to a child who you believe needs them. On the other hand, you can use a will to exclude the marital rights of your children's current or future spouses, thus ensuring that assets that have been in the family for a long time and passed down from one generation to the next, for example, remain in the family.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on your answers, you are cohabiting and have no children. However, you want your partner to have control or ownership of your property after your death. It is important to note that in Finland, unmarried couples do not inherit from each other without a will. If you do not make a will, your property will be distributed on your death according to the law, so that you would be inherited primarily by your own parents and then by your siblings and your siblings' descendants. If there are none of the above, you would be inherited by your grandparents and their children according to the legal order of succession. Cousins no longer inherit in Finland.

We strongly advise you to make a will, as it is the only way to ensure that your spouse receives your assets after your death.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on your answers, you are cohabiting and have no children. In Finland, unmarried couples do not inherit without a will. If you do not make a will, your property will be distributed in accordance with the law on your death, so that you will be inherited first by your parents and then by your siblings and your siblings' descendants. If there are none of the above, you would be inherited by your grandparents and their children according to the legal order of succession. Cousins no longer inherit in Finland.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on your answers, you have children. If you do not make a will, your estate will be divided equally between all your children on your death. Only by making a will can you leave part of your inheritance to those to whom it would not legally pass. However, your children are still entitled to their legal share of half (1/2) of your inheritance, notwithstanding the will and if they so request.

Even if you want your children to inherit you in full, it can still be worthwhile to make a will. If necessary, you can use a will to direct more of your assets to a child who you believe needs them. On the other hand, you can use a will to exclude the marital rights of your children's current or future spouses, thus ensuring that assets that have been in the family for a long time and passed down from one generation to the next, for example, remain in the family.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on your answers, you are not married or cohabiting and you have no heirs. If you do not make a will, your property will be distributed in accordance with the law on your death, so that you will be inherited primarily by your parents and then by your siblings and your siblings' descendants. If there are none of the above, you would be inherited by your grandparents and their children according to the legal order of succession. Cousins no longer inherit in Finland.

As you have no heirs, you can leave your entire estate in your will without having to take into account any legal claims.

A will is a document of strict definition. The will must be signed by its author and authenticated by two unimpeded persons. Formal errors in the drafting of a will can lead to it being declared invalid. We recommend that you seek professional advice when drawing up your will. By using an expert, you can draw up a will that is right for your situation. Please also note that a will can be used as a tax planning tool. A well-drafted will will ensure that your will is not only appropriate, but that it meets the legal requirements and is certainly valid.

Last will and testament

Based on the information you have provided, you have already drawn up a will. You can always update your will to reflect your current situation and it is often appropriate to do so. People's circumstances change and there can be changes in their assets. On the other hand, you may want to remember people in your new will who are not currently covered by your previous will.

We advise you to check whether your current will still reflects your last will and testament. If not, it is time to draw up a new will. Even a new will must meet strict formal requirements. To avoid any ambiguity about your last will and testament, the new will should state that the previous will and testamentary provisions have been revoked. This earlier will should be destroyed. We recommend that you seek professional advice when drafting your will to ensure that you have a valid document that is appropriate to your situation and meets the legal formal requirements.

Guardianship power of attorney

Based on your answers, you have not drawn up a trust deed. We recommend that you draw up a guardianship document, as unfortunately the need for guardianship is not always a function of time and place.

With a power of attorney, you can ensure in advance that your affairs will be handled by the person you choose when you are no longer able to do so. In addition to the primary representative, it is also possible and advisable to appoint alternate representatives. A guardianship mandate is a much more flexible and less ”bureaucratic” way of organising your affairs than a guardianship based on guardianship law. For example, the trustee's activities are less subject to official supervision and the way in which matters are handled is more flexible. The power of attorney is also very much a document of the attorney himself and you can take a position on matters that are not covered by the guardianship system in the power of attorney or in the instructions attached to the power of attorney.

Based on the information you have provided, you have accumulated wealth. For example, if you have a large amount of business property or other significant assets, you can use the power of attorney and the instructions attached to the power of attorney to take a position on how the attorney should manage such assets.

To be valid, a power of attorney must be drawn up in a specific form and must comply with the formal requirements of the law. The power of attorney is not validated until it is put into effect. It is recommended that expert advice be sought in drawing up the power of attorney. In this way, you can ensure that the content of the power of attorney is tailored to your needs.

Guardianship power of attorney

Based on your answers, you have not drawn up a trust deed. We recommend that you draw up a guardianship document, as unfortunately the need for guardianship is not always a function of time and place.

With a power of attorney, you can ensure in advance that your affairs will be handled by the person you choose when you are no longer able to do so. In addition to the primary representative, it is also possible and advisable to appoint alternate representatives. A guardianship mandate is a much more flexible and less ”bureaucratic” way of organising your affairs than a guardianship based on guardianship law. For example, the trustee's activities are less subject to official supervision and the way in which matters are handled is more flexible. The power of attorney is also very much a document of the attorney himself and you can take a position on matters that are not covered by the guardianship system in the power of attorney or in the instructions attached to the power of attorney.

To be valid, a power of attorney must be drawn up in a specific form and must comply with the formal requirements of the law. The power of attorney is only validated when it is due to be put into effect. It is recommended that expert advice be sought in drawing up the power of attorney. In this way, you can ensure that the content of the power of attorney is tailored to your needs.

Guardianship power of attorney

Based on your answers, you have already drawn up a letter of representation in the past. We advise you to check whether the power of attorney still reflects your will. If you want to appoint different people from those named in your current power of attorney, or if there have been significant changes to your assets, it may be time to draw up a new power of attorney.

The new power of attorney must be drawn up in the same form as the previous power of attorney, i.e. to be valid, it must meet the formal requirements set by law for a power of attorney.

Address

According to you, you have been married before but have not filed a division since the marriage ended. A division dissolves the matrimonial property regime that existed between the spouses during the marriage. A division can be made when there is a ground for division, i.e. the death of one of the spouses or the commencement of a divorce case. If the spouses have had a divorce clause excluding the right to divorce, a division of property is carried out instead of partition.

In principle, the right to claim partition does not expire. Thus, an undelivered partition can come back to haunt you after years or decades. We recommend that you settle the matter as soon as possible.

Address

Based on your answers, you have been married before. However, you cannot say whether the division was made after the marriage ended. A division is a dissolution of the matrimonial property regime that existed between the spouses during the marriage. A division can be made when there is a ground for division, i.e. the death of one spouse or the filing of a divorce petition. If the spouses have had a divorce clause excluding the right to divorce, a division of property is carried out instead of partition.

In principle, the right to claim partition does not expire. Thus, an undelivered partition can come back to haunt you after years or decades. We recommend that you find out whether a partition has been carried out since the end of the marriage. If not, the matter should be settled as soon as possible.

Living will

You have said that you have drawn up a health care will, in which you have expressed your wishes regarding your medical treatment.

We recommend that you check that your will is still in line with your wishes. If your wishes for your care have changed, you can always make a new one.

Living will

You have told us that you have not drawn up a health care proxy. In a health care proxy, you express your will regarding your own medical care. By drawing up a health care will, you can further emphasise that your right to self-determination is respected in healthcare. A separate document from the care will is the care will, in which you can give non-medical instructions to the people who care for you. We recommend that you consider drawing up a care and support will.

It is also a good idea to include a mention of the drafted care will in the trust deed. If at any point in your life you become a trustee, your trustee will be aware of the existence of the care will and will be bound by it.

Gift book

Based on your answers, you are either giving or receiving a gift. A gift allows you to transfer property free of charge during your lifetime to the recipient of your choice. It may be appropriate to include the gift in inheritance tax planning, for example, and it can also influence the distribution of your estate at a later date. This may be the case, for example, where a gift is considered an early inheritance from its recipient.

It is usually a good idea to draw up a donation receipt. In some cases, such as when donating real estate, a deed of gift is necessary. Even if a deed of gift is not compulsory, a deed of gift can avoid any ambiguity about the donation at a later stage.

Gift deeds can include conditions that are not possible in the context of a deed of sale. For example, the right of the donor's spouse to marry can be excluded. This ensures that the donated property remains with the donee in the event of a divorce. A deed of gift, certified by two witnesses, is the only way to exclude the right of the donor's spouse to the gift from the divorce.

The donor may also retain the right to retain ownership of the property to be donated. This allows the donor to continue to use the donated property, such as a flat or summer cottage, in the normal way, while ensuring that ownership is transferred to the person he or she wishes.

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