ACT NOW TO PROTECT YOUR YOUNG CHILDREN:

• Without a Will your children will inherit at the age of 16 – how would you have spent all that cash at 16?
• If you were hospitalised, who would have access to your accounts to pay the mortgage, school fees etc? Appointing a Power of Attorney means all this can be taken care of.
• Having a child could invalidate your existing Will – you may need to amend it if you haven’t provided for your children. You should also look to appoint a guardian should the worst happen.

ACT NOW TO SAFEGUARD YOUR GROWN-UP CHILDREN:

• Step families – do you want to protect your spouse whilst insuring your own children don’t lose out on their inheritance?
• Get advice on minimising Inheritance Tax and nursing home fees to make sure your hard earned cash goes to the next generation not the government.
• Appointing a Power of Attorney now will save stress later, if your children have to look after you!

ACT NOW TO LOOK AFTER YOUR GRANDCHILDREN:

• Setting up a Trust in your lifetime to help provide for your grandchildren’s future education can be a good way of saving on Inheritance Tax.

• Leaving your mark– have you thought about leaving legacies to ensure that those special and meaningful belongings in your life go to those you love?

For simple, effective answers for you and your family’s needs, our legal, financial and property advice gives you a 360° view of the decisions you need to make both now and for the future.  Call your local team to arrange a free no-obligation meeting or email us on paganosborne@pagan.co.uk and one of our experts will get back to you as soon as possible.