0117 290 0101 safe@lpaguardian.co.uk

Lasting Powers of Attorney

Why Do You Need Them?

Because They Put YOU and Your Loved Ones In Control – not faceless officials…

We know how much you care about your family – and your business if you have one – and that’s why we are so passionate about helping you to avoid the heartache that will ensue if you don’t make appropriate LPAs and then you need them… Because we know something you probably don’t…

Lasting Powers of Attorney

Do You Want To Avoid Placing Huge Burdens On Your Loved Ones If You Lose Mental Capacity?

Often we’re so wrapped up in making sure that we have a Will in place to manage our affairs after we’re gone, it’s easy to forget that unfortunate things happen to the living and it’s certainly no less important to plan for every eventuality.

We can lose mental capacity in an instant, young or old. Without a Lasting Power of Attorney (an LPA) such a situation will throw the lives of your loved ones into turmoil. 

Age UK says:

“Don’t Assume

If you’re married or in a civil partnership, you may have assumed that your spouse would automatically be able to deal with your bank account and pensions, and make decisions about your healthcare, if you lose the ability to do so.

This is not the case. Without an LPA, they won’t have the authority.”

What Happens If You Don’t Take Care of This?

Health and Welfare LPAs

Without these, your family will NEVER aagin be in control of where you live, how you should be treated medically – and any wishes regarding treatment, what you should eat or who you should have contact with…

Property and Financial Affairs LPAs

Without these, your family will have to apply to the Court of Protection – at a cost of £5,000 – £10,000 each time – to deal with accessing or running your bank accounts, paying your bills, or making any property or investment decisions. Imagine the expense and stress!

Business LPAs

Without these, most small businesses will simply close, effectively the moment you lose mental capacity. The bank accounts will be frozen, pending months of applications to the Court of Protection to plead for control.

If your familt relies on the business to pay the mortgage, then they will face eviction from your house in the meantime as there will be nothing to pay that or the household bills. If you have employees they too will be caught up in this chaos and will go unpaid along with any suppliers.

Could your family survive this? Most people couldn’t. 

Why Should You Use Us?

Because we love what we do and we do it really well.

We're owned by a husband and wife team who met when qualifying as solicitors in 1992 - so our principals have nearly 58 years' legal experience between them.

Much of this has been at some of the  world's most celebrated law firms - the kind who deal with royalty and the aristocracy. With us, you'll be in the safe hands of lawyers who can normally cost £500 per hour.

So you get Senior Partner level lawyers, but with fees you can afford. Does that sound good?

Brian is a senior lawyer by background. He began legal life at the “magic circle” firm Allen & Overy in the City and is an expert in private client work via his time in several law firms and other commercial activities as a Director.

He finds LPA and estate planning work is the most satisfying of all because:

"When we have finished each client is completeley safe. We've worked with PLCs and the rich and famous, but nothing makes me happier than knowing when I meet my next client that I am going to ensure they get complete peace of mind. I am hoping that next client is YOU..."

Brian McKibbin LLM, ACIARB

Owner, LPA Guardian

Harvinder is a senior partner ex-solicitor who began her career with much success at the world-renowned  Allen & Overy in the City of London.

Harvinder is well known for her work with private clients and brings a profound sense of calm as well as a sincere empathy for their situation and circumstances.

Her experience and general demeanour bring a skilled listener who adds rapport to efficiency.

She says: "I'm looking forward to meeting you, and to making your family fortunes safe and sound."

Harvinder Kaur LLB

Owner, LPA Guardian

You'll Like How We Work

Because, we will look after you and make you comfortable and at ease.

We know that our clients can find these matters are sensitive to discuss, and we will make you and your family feel safe, supported and confident with advice and recommendations you can trust.

We will be reliable and respectful, sympathetic and sincere, and we will help to put your mind at rest and give you complete reassurance and peace. You'll see this is true if you read what clients have said about us and how they approve of our approach.

We're certain you'll feel the same way. In fact, we guarantee it!

1. Honest trustworthy advice, based on nearly 60 years of the highest level of experience.

You'll get a FREE 30 minute appointment with one of our owners (worth £200 of their time) wthout obligation. You'll get all the information you need to be able to decide what to do - whether you go ahead and use our services or not. We will help you as much as we can  and we won't pressure you. You are in very safe hands that you can trust.

2. The most advanced techniques to keep you and your wealth safe from harm.

All our legal staff stay ahead of all developments in the law. We are insured, accredited and have decades of the highest levels of expertise that we'll put to use for you so you will be protected like royalty.

3. COVID safe from start to finish.

For your safety and convenience we are currently conducting business on the telephone or online through Zoom and via email. We will make it really easy for you to complete everything, at every step of the process.

4. A caring and trusted service that you can rely on which takes the time to listen carefully to you.

We're in this business becasue we care about families and people. We want your family to be safe and we want you to be able to keep as much of your wealth in the family as possible. We're sure you do too - and we're really looking forward to showing you how to do it!

5. Flexibility - from the owners themselves - to make sure everything is approved by you and is 100% correct. Always, everytime, guaranteed.

We promise you will be very happy with what we do for you, and we'll go every extra mile required to make you happy. We are a family run company oursleves, so we know how important that persoanl touch is. You will be able to speak to one of the owners any time you want to, for any reassurance you need. We guarantee it!

Disaster Can Happen To Anyone, At Anytime…

To illustrate that life can turn at any time, we can use Michael Schumacher as an example. Here was a very wealthy man, in the prime of life, who seemed untouchable almost.  Having retired from a dangerous career, he was on a seemingly risk-free family skiing holiday and – because of a stumble over an awkwardly placed rock – one second he was a “Master of the Universe”, a second later, he’d lost consciousness and his “mental capacity”, most probably forever.

Once you have lost mental capacity it is too late 

Some of the most common conditions affecting mental capacity include: stroke, coma, delirium, concussion, severe mental health problems, neuro-disability/brain injury, alcohol and drug misuse, Alzheimer’s and other forms of dementia.

The clear point is that life is precious and we are very fragile beings. Circumstances can change in an instant. An LPA protects a family from catastrophe, and the right time to do one is now, regardless of what age you are. 

LPAs – what you need to know

A Lasting Power of Attorney (LPA) gives another individual the legal authority to look after specific aspects of your financial affairs or health and welfare should you lose the capacity to do so.

Put simply, if you do not have an LPA in place and later become mentally incapacitated, relatives may face long delays and expense in applying to the courts to get access and take control of your assets and finances and to make medical decisions.

There are 2 types of LPA that deal with financial aspects and health related issues respectively.

  1. Financial – Property and Financial Affairs LPA

This allows your appointed Attorney to make decisions and deal with such issues as:

  • buying and selling your property
  • dealing with your bills
  • running your bank accounts
  • and investing your money
  1. Health – Personal Welfare LPA

We’ll go into more detail below but not having the power of attorney means the surviving spouse will essentially never again be able to make decisions on:

  • where you should live
  • how you should be treated medically
  • what you should eat 
  • and who you should have contact with.

Imagine having to deal with the loss of control over these things on top of the awful set of circumstances that has deprived you of your spouse in the first place.

What Happens Without an LPA?

Most people just assume their spouse or partner will be able to step in and act in the stead of the mentally incapacitated other half and things will go on as normal.

Unfortunately this is completely wrong. 

If, for example,a husband loses mental capacity with no LPA in favour of his wife then:

  • everything shuts down. 
  • In order to access his bank account or make any financial decisions the wife will need to make an application to the Court of Protection.

Sadly, the Court of Protection is a time and money pit.

It costs many thousands of pounds to make applications to it, and families very often have to make several applications, causing untold distress.

At the end of this process, there is no guarantee that the Court will give you the right to look after your loved one’s affairs – they may:

  • choose someone else that they feel is more suitable; or place limitations on what you can do.

Neither of these scenarios is ideal when you just want to get on with your lives and the only way to avoid this is to put LPAs in place while you can.

Let us tell you a story that should resonate with you.

It’s a real life story of a husband and wife who could have avoided tragedy – if only…

Click here to read more.

Don't Wait Until It's Too Late - Get Protected and Start Today...

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