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What A
Will Does

A Will is a legal document that outlines your wishes regarding the distribution of your assets and the care of any dependents after your death. It serves as a crucial instrument in ensuring that your estate is handled according to your desires.

As usually nobody knows when our time is up, it is important to record your wishes today, for when tomorrow eventually arrives.

Asset Distribution: Specifies how your assets, including property, savings, and possessions, should be distributed among your chosen beneficiaries.

Guardianship: Appoints guardians for any dependent children, ensuring their welfare and upbringing are entrusted to individuals of your choosing.

Executor Appointment: Names an executor to carry out the instructions in your will, managing the legal and financial aspects of your estate.

What A
Will Does

A Will is a legal document that outlines your wishes regarding the distribution of your assets and the care of any dependents after your death. It serves as a crucial instrument in ensuring that your estate is handled according to your desires.

As usually nobody knows when our time is up, it is important to record your wishes today, for when tomorrow eventually arrives.

Asset Distribution: Specifies how your assets, including property, savings, and possessions, should be distributed among your chosen beneficiaries.

Guardianship: Appoints guardians for any dependent children, ensuring their welfare and upbringing are entrusted to individuals of your choosing.

Executor Appointment: Names an executor to carry out the instructions in your will, managing the legal and financial aspects of your estate.

Why You Should
Have One

Control Over Your Assets: A Will allows you to decide how your estate is divided, ensuring your assets go to the individuals or causes that matter most to you.

Guardianship Decisions: Enables you to designate guardians for minor children, preventing disputes and ensuring their well-being.

Minimises Family Disputes: Having a Will minimises the potential for disagreements among family members about how your estate should be handled.

Consequences of Not
Having a Will

Intestacy Laws: Without a Will, your estate is subject to intestacy laws, which dictate how assets are distributed. This may not align with your wishes.

Probate Challenges: The absence of a Will can lead to delays and challenges in probate court, potentially causing stress and financial burdens for your loved ones.

Unintended Beneficiaries: Intestacy laws may result in assets going to individuals you did not intend, such as distant relatives.

 

Consequences of Not
Having a Will

Intestacy Laws: Without a Will, your estate is subject to intestacy laws, which dictate how assets are distributed. This may not align with your wishes.

Probate Challenges: The absence of a Will can lead to delays and challenges in probate court, potentially causing stress and financial burdens for your loved ones.

Unintended Beneficiaries: Intestacy laws may result in assets going to individuals you did not intend, such as distant relatives.

 

What are Lasting
Power of Attorney (LPA)

A Lasting Power of Attorney (LPA) is a legal document that allows someone to appoint trusted individuals to make decisions on their behalf if they become unable to do so themselves due to illness or incapacity.

There are two main types of LPAs: Property and Financial Affairs LPAs, which cover decisions about money and property, and Health and Welfare LPAs, which cover decisions about healthcare and personal welfare.

You would use LPAs to ensure that your affairs are managed according to your wishes, even if you are no longer able to communicate or make decisions. This provides peace of mind and ensures that your interests are protected during times of vulnerability.

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Why You Need
a LPA

With Property and Financial Affairs LPAs, individuals can authorise agents to manage their finances, pay bills, or sell property if they are unable to do so themselves.

Health and Welfare LPAs allow individuals to appoint agents to make decisions about their medical treatment, care, and daily routine.

Having an LPA ensures that your affairs are handled according to your preferences, even if you are unable to communicate or make decisions due to illness or incapacity. This proactive step offers peace of mind, safeguarding your interests during challenging times and ensuring that your wishes are respected and followed.

Why You Need
a LPA

With Property and Financial Affairs LPAs, individuals can authorise agents to manage their finances, pay bills, or sell property if they are unable to do so themselves.

Health and Welfare LPAs allow individuals to appoint agents to make decisions about their medical treatment, care, and daily routine.

Having an LPA ensures that your affairs are handled according to your preferences, even if you are unable to communicate or make decisions due to illness or incapacity. This proactive step offers peace of mind, safeguarding your interests during challenging times and ensuring that your wishes are respected and followed.

Consequences of Not
Having LPA'

The consequences of not having a Lasting Power of Attorney (LPA) can be significant. Without an LPA in place, if you become mentally or physically incapacitated, decisions about your finances, property, healthcare, and personal welfare may be left in the hands of others without your input or guidance. This lack of control could lead to delays, disputes, or decisions being made that do not align with your wishes or best interests.

Additionally, without an LPA, loved ones may face challenges and legal hurdles in managing your affairs, potentially causing stress, financial strain, and uncertainty during already difficult times. Therefore, not having an LPA leaves you vulnerable to unforeseen circumstances and may result in decisions being made that do not reflect your preferences or values.

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The Legal Bit...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

*Bridging, Will Writing, Equity Release & Conveyancing are all provided through our network of approved business partners.

Charlie Bridges Mortgages & Protection is a trading name of Charlie Bridges Mortgages & Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. 

Charlie Bridges Mortgages & Protection Ltd. Registered Office Address: 16 Hermes Way, Sleaford, England, NG34 7WH. Registered in England Number: 11888979.

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