LIFETIME PLANNING

NEED A LASTING POWER OF ATTORNEY?

CONCERNED OVER INHERITANCE TAX?

WORRIED ABOUT CARE FEES?

THINKING OF EQUITY RELEASE?

NEED GOOD UNBIASED FINANCIAL ADVICE?

WE CAN HELP!

 

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INTRODUCTION

Planning for the future is very important, often we all leave things to late. Peace of mind is something that is hard to place a value on.
In addition to advising on inheritance tax issues (see the Wills section) we can assist you with income tax and capital gains tax. We can help you complete your self assessment tax return and ensure that all of the appropriate exemptions and reliefs have been claimed for you.

Here are just some of the things we can advise you on:

LASTING POWER OF ATTORNEY

Nobody knows what the future holds and situations can arise such as failing health, where we are no longer able to take care of our own affairs.  What if you became physically or mentally unable to manage your own affairs or understand what you were doing?  How would your funds and assets be dealt with?  This might not have any relevance to you now, but it could be important to you in the future.  A Lasting Power of Attorney allows you, whilst capable, to determine who can look after your property and financial affairs in the event of your incapacity.  Please read our free information sheet below.

LONG TERM CARE PLANNING

It's hard to imagine not being able to live in your own home, and look after yourself. Planning at the right time to make sure any care you may need in the future is covered without having to sell your home is important for some people. Find out more about the rules about paying for a permanent care home place.

EQUITY RELEASE

Equity Release allows you to access a proportion of the profit or equity in your property to spend as you wish, whilst continuing to live in your home.  This can be extremely valuable to people who have a large amount of equity of profit tied up in their property.  Please read our free Equity Release information sheet below.

FINANCIAL ADVICE

If you require free unbiased advice on investments, life insurance, mortgages, equity release, long term care planning and so on then look no further. We can offer a complementary and efficient service that looks after your very best interests. We can advise on the most efficient way of investing lump sums, provide advice on retirement and long term care. We can help house buyers on how to obtain the best mortagage deals and divorcing couples on joint investments pension sharing and protecting maintenance payments. Solicitors and Independant Financial Advisors are renouwned for their trustworthyness and integrity. If you are confused and need help then give us a call.

LIVING WILLS

A Living Will can record your wishes, with respect to certain medical procedures that are/are not to be employed on loss of mental capacity ("advanced directive"). Alternatively, a Living Will can record your beliefs on such procedures for the family to consider should a difficult decision with regard to your health have to be made ("non-advanced directive").

INHERITANCE TAX PLANNING

Inheritance Tax is effectively a death tax payable on people's estates.  The first £312,000.00 (as at April 2008) is not taxable.  However, any monies in excess of that figure are then taxed at a rate of 40%.  We can help minimise the inheritance tax payable on your estate and there are many different ways of doing this, depending on your particular circumstances.  Please read our information sheet below and give us a call.

 

TRUSTS

A Trust is a fund which contains assets that are controlled by you and/or a nominated third party for the benefit of a specific individual(s). They are governed by complex legal regulations and separate tax rules. A Trust can be set up at any time during the lifetime of an individual to become operative immediately or, not until your death. Find out more about what a Trust can do for you.

GUARDIANS

If you have young children, you should consider appointing guardians to take care of them if you die while they are still young. Even if you have "god parents" we all know that the choice of god parent is sometimes an emotional decision made at a specific time. This is usually done whilst making your Will.

     

FREE LEGAL INFORMATION SHEETS

A complete set of information sheets are available by selecting LIBRARY then FREE INFORMATION SHEETS from the navigation area on the left of your screen.

If you require any further assistance in this matter please contact us.