Wills & Estate Planning

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Do you know that 2 out of 3 people don't have a Will? Even if you do have a Will, without up to date Estate Planning, your assets may not end up with your loved ones. Here at JNS Financial, our specialist estate planning consultants are able to assess your situation, your needs and your objectives, and recommend a full Estate Planning package, be that Lasting Powers of Attorney, a Single Will, Mirror Wills with distributions to Pilot Trusts, or even Probate Preservation Plus Trust, to protect your family home and assets against attack from Divorce, Bankruptcy, Creditors, Taxation, Care Fees, Probate Fees and Delays from the Court of Protection.

Regardless of the size of your estate, you have worked and saved for your entire lives so that you can provide for your loved ones. Don't risk losing everything - speak to one of our Estate Planning specialists today.

 

Do you have a Will?

If you don't have a will...

 

when you pass away;

  • Your unmarried partner or friends will receive nothing from your Estate

  • Ex-Partners could make a claim on your Estate

  • Your children may not receive anything

  • Children under the age of 18 may be taken into care while the courts choose who looks after them

  • Who would look after your pets?

Whilst you may not worry about what will happen after you die, the burden that will lie with your family to sort out your affairs whilst dealing with the grief of losing you, can be overwhelming.

Avoiding Care Fees

Are you aware that if you are unwell and have to go into a care home, the council can force you to sell your house to pay for care fees? 40,000 people are forced to sell their homes every year in the UK to pay for care, negating all of your hard work to secure the future for your family. Fortunately, all of this can be avoided if you take action now, long before you even consider going into care. By changing the way in which you hold your property to Tenants in Common, you can prevent the council from forcing you to pay for care fees in this way.

 

Lasting Power of Attorney

Many people who suffer from dementia, Alzheimer's and other incapacitating medical conditions, will eventually be unable to make decisions for themselves. As soon as they lose the mental (or physical) capacity to make their own decisions, someone else make decisions on their behalf. However, most people do not prepare for such situations and find their affairs being managed by a court appointee rather than somebody they trust.

Lasting Power of Attorney's replaced the older Enduring Power of Attorney in 2007 to address this issue. If you want to appoint someone you trust to handle your affairs in the unfortunate event that you are unable to make your own decisions, registering a Lasting Power of Attorney with the Office of the Public Guardian is the only way to guarantee that your wishes will be followed. If you do not register a Lasting Power of Attorney before you lose mental capacity, it is too late! Your family and loved once will need to apply to become a Deputy through the Court of Protection, which can be a very expensive and long, drawn-out process. Preparing for the future now by appointing an Attorney to act on your behalf, is one of the most important decisions you can make in retirement.

Don't delay, talk to us today! Your Estate may be at risk if you do not plan for the future. It will cost you nothing to discuss your options with one of our Estate Planning specialists. There really is no time like the present to plan for the future!

Call 01492 818 526 to discuss your Estate Planning requirements.

JNS Financial Ltd is a limited company registered in Wales at 16 Station Road, Llanrwst, Conwy, LL26 0EP, under company number 11931412. JNS Financial Ltd provides access to a range of retirement services from specialist providers including The Right Equity Release, The Right Will and Safe Hands Funeral Plans. JNS Financial Ltd is not regulated by the Financial Conduct Authority (FCA) and is not authorised to give financial advice. However, we are proud to introduce you to The Right Equity Release Ltd who are regulated by the Financial Conduct Authority, for all of your Equity Release, Mortgage and Protection requirements. The Right Equity Release does not charge any up front fees and a fixed fee is only charged on completion of an Equity Release Plan. Typically, this is 1.5% of the total facility or £1,295 whichever is the greater. All information published on www.jnsfinancial.co.uk is intended for consumers based in the UK as general information only, and does not constitute financial advice. Please contact JNS Financial on 01492 818589 for further information.

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