In these interesting times we find ourselves in, it is not unusual for people to live together, have children, buy properties and run a business together without formalising their relationship, either through marriage or civil partnerships. Millions of couples who have chosen to avoid tying the knot are at risk of falling into complex legal battles to get a share of a home they’ve lived in all their lives or the wealth they’ve helped build. The numbers of cohabiting couples in the country has risen over the years.  Mpho Letsholonyane speaks to registered fiduciary practitioner and financial planner Elmien Pols about why unmarried couples must ensure they have a valid will.