About Us

Local, independent specialists

Local, independent specialists with personal experience of dealing with the challenges that come with planning for and dealing with estates.

Cost effective and efficient

We offer a cost effective, efficient and personal alternative to solicitors so are able to keep our prices low but we have the qualifications and expertise to assist you in all the services we offer.


We are members of the Society of Will Writers and Estate Planning Practitioners, and comply fully with their Code of Practice. This Code has been drafted in consultation with Age Concern, LACORS and the Citizens Advice Bureau.

Industry Standard Professionals

As members we meet minimum professional standards, are fully insured, undertake continuous professional development and have legal back up if the need arises.

Nicola Combe

Nicola Combe is the Director of Morecambe Bay Wills and Estates Limited. She is local to Lancaster and formed the company specifically to provide affordable documents and give back to charity. Prior to that, Nicola had extensive experience in operations management and digital projects.

Paula Johnson

Paula joined Morecambe Bay Wills in early 2020 as the company's administrator. She makes sure our records are up to date and that all the documents we produce are accurate and presented perfectly for our customers. Paula is also local to Lancaster and is Nicola's sister.

Andrea Bentham

Andrea joined the Morecambe Bay Wills team in early 2021 as an Estate Planner, after qualifying with the Society of Will Writers. A mum of two, Andrea lives locally in Bolton-le-Sands, and has a background in financial services and charity fundraising.  She shares our passion for providing our community with an affordable, personal service.

Who do we work with?

We collaborate with a number of local companies that, like us, are passionate about looking after their customers.  If you need personal financial or mortgage advice, or are looking for support for your business, we can highly recommend them.