Life can change in an instant. Illness, accidents, or loss can strike without warning and when they do, having the right legal documents in place can mean the difference between security and chaos for your loved ones.
At Oliver & Co Solicitors, we’ve seen firsthand the distress families and businesses face when these documents are missing. That’s why we’re urging everyone, no matter your age or circumstances, to get these three critical documents in place now, not later.
Whether you do it with us or with someone else, just make sure you do it.
1. A Will
A Will is a legally binding document that outlines what happens to your assets, estate, and personal wishes after your death.
Why does it matter?
Without a Will, your estate may not go to the people you want it to. Your partner may not be protected, whether you are married, cohabiting or separated. Your children may not have a legal guardian in place. The Rules of Intestacy will decide, and that can lead to delays, costs, and disputes.
Who needs one?
Everyone over 18, especially homeowners, parents, couples (married or not) and business owners. Whether you’re 25 or 75, a valid will is a cornerstone of your financial and family planning.
2. Financial Lasting Power of Attorney (LPA)
This is a document that allows someone you trust to manage your finances if you become unable to do so yourself.
Why it matters:
Without a Financial LPA, your loved ones may face a lengthy and expensive legal process applying to the Court of Protection just to access your accounts or pay your bills. It’s vital for continuity, especially if you run a business or own property.
A Financial LPA allows you to appoint a trusted person (or people) to manage your finances if you’re no longer able to, through illness, accident, or loss of capacity.
Why it’s important:
- Ensures your bills, mortgage, and business operations can continue smoothly.
- Avoids costly and lengthy court proceedings for loved ones trying to act on your behalf.
- Gives you control over who makes financial decisions for you, rather than leaving it to the courts.
This is not just for the elderly; unexpected accidents or illness can happen to anyone. Having a Financial LPA in place protects your finances, family, and your business.
Who needs one?
Everyone. Accidents and illnesses don’t discriminate.
3. Health & Welfare Lasting Power of Attorney
What it is:
A Health and Welfare LPA allows you to appoint someone you trust to make decisions about your personal health and care if you become unable to make them yourself.
Why it’s important:
- Ensures your wishes around medical treatment, care, and even life-sustaining treatment are followed.
- Gives your family clarity and comfort during emotionally difficult times.
- Avoids conflicts between relatives and medical professionals.
Without a Health and Welfare LPA, medical professionals could make critical decisions without consulting those you trust most.
Why it matters:
Without this, even your closest family members may have no legal right to decide your care – including life-sustaining treatment. It gives you control over your medical future and peace of mind for your family.
Who needs one?
This is not just about paperwork. It’s about creating a safety net for everything you’ve worked for and everyone you love. It applies to everyone and anyone who wants their healthcare wishes respected; especially those with long-term conditions, families, or dependents.
Don’t Wait Until It’s Too Late
These documents aren’t just for “later in life”, they’re for now. They protect you, your family, and your future.
At Oliver & Co, we specialise in making the process simple, affordable and fully tailored to you. Whether you’re just starting out, growing your family, or preparing for retirement, we’ll guide you every step of the way.
We offer:
- A dedicated team of friendly and expert solicitors.
- Tailored advice to fit your personal and family circumstances.
- Full drafting and registration of Wills and both LPAs.
- Support at every life stage – now and in the years to come.
Let us help you build a strong legal foundation for your future – one that protects you and your family.
Act Now
We’re not here to scare you. We’re here to empower you.
If you take one thing from this article, let it be this:
Get these documents in place as soon as you can. With us, or with someone else you trust – just don’t leave it until it’s too late.
Call our friendly team today on 01244 312306, email at law@oliverandco.co.uk or fill in the form on our Contact Us page and we’ll get in touch as soon as we can.
