• Basic Wills from £150.00
    Basic Wills from £150.00
    Without a valid Last Will and Testament any assets you leave on death will be distributed according to the Rules of Intestacy. These rules lay down a rigid method of estate distribution and make no account of your wishes. Click the image to read more...
  • We realise that most people haven’t experienced probate before. Probate is the administration of a deceased’s Estate by the appointed “executors” in the Will, usually family members. At an already difficult and emotional time, the complexities of executing a Will and establishing any appropriate Trusts can be an arduous task. Click the image to the left to read more...
  • Inheritance Tax is simply a tax on money or possessions you leave behind when you pass on.It can also apply to some “gifts” you make during your lifetime. It is therefore vital that you receive professional Inheritance Tax Advice on your position to minimise the impact and tax paid should the worst happen, ensuring that your loved ones receive as much of your money as possible. Click the image to the left to read more...
  • Without a valid Last Will and Testament any assets you leave on death will be distributed according to the Rules of Intestacy. These rules lay down a rigid method of estate distribution and make no account of your wishes, unless you write a will. Click the image to the left to read more...
  • Lasting Powers of Attorney from £195
    Lasting Powers of Attorney from £195
    Often serious illness or accidents strike without warning. Last year, for example, approximately 130000 people suffered strokes. Without a Lasting Power of Attorney being available this is when it becomes difficult... Click the image to the left to read more...

£140K is the real Cap on Care Costs

The Institute and Faculty of Actuaries has now produced a report which indicates that as a result of the ‘hidden charges’  for care the Government’s pledge of a £72K cap will cost on average £140K .

Their research also found that only one in ten pensioners will ever reach the point of receiving help from the State and the rest will have to bear the full costs themselves. Only 8 percent of men and 15 percent of women who enter care will ever reach the cap.

This illustrates that where care is necessary  family inheritance will be hit hard  even if the main asset owned is only a house of average value.

For married couples mirror  Wills  which includes a Property Protection Trust is one answer to this travesty and  can preserve at least one half the property value for loved ones.

To protect the whole value of the property from being absorbed by care fees the answer is a Lifetime Property Protection Trust which should ensure inheritance by loved ones.

Early action is necessary to save many thousands of pounds for future generations

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