HERE'S WHY
Capacity loss is not just a problem for old age. Strokes happen at 30. Accidents happen every day. Most of us do not plan for it until our family is forced to.
THE NUMBERS NOBODY TELLS YOU
Wills are about what happens when you die. LPAs are about what happens while you are still alive. And the numbers around losing capacity in your lifetime are higher than most people think.
someone in the UK is hospitalised with a brain injury that could leave them without the capacity to make their own decisions.
Source: Headway
families have to apply to the Court of Protection because someone lost capacity without an LPA in place.
Source: HMCTS Family Court Statistics
people born today will develop dementia in their lifetime.
Source: Alzheimer's Society
HOW IT WORKS
An LPA is a legal document. It names the people you trust to make decisions for you if you ever lose the mental capacity to make them yourself. Setting one up takes three stages.
Pick the people you trust to act on your behalf. Most clients name a partner, an adult child, or a trusted sibling. You can name up to four attorneys, plus replacements as backups.
You and your attorneys sign in the right order, in front of witnesses. A Certificate Provider confirms you understood and were not pressured. We prepare the forms, walk you through the signing order, and check everything before it goes to the government.
The Office of the Public Guardian (a UK government body) checks and registers your LPA. This takes 8 to 12 weeks. Once registered, your LPA is in place and ready, activating only if and when you need it.
CHOOSE YOUR OPTION
Each LPA protects a different part of your life. Most people choose both because money decisions and care decisions are equally important when capacity is lost.
Missing signatures. Wrong dates. Attorneys named incorrectly. Sections signed in the wrong order.
Each rejection costs you 8 to 12 weeks of waiting, and the registration fee starts again.
We help you make sure yours is right first time.
If you lose mental capacity, your bank freezes your accounts immediately. Without this LPA, your family has to apply to the Court of Protection (12 to 18 months and around £400 plus fees) before anyone can pay your mortgage, deal with HMRC, or manage your investments.
This LPA puts the person YOU trust in the driver's seat from day one.
We guide you through every step.
Let's get it sortedMoney decisions and care decisions are two different domains. Both need formal authority before something happens. Buying them together saves £48 versus separately, and includes a free seat at the Trust First Family Legacy Roadmap masterclass.
This is what most Legacy Creators clients choose.
We guide you through every step.
Let's get it sortedWithout this LPA, if you lose capacity through an accident, a stroke, or dementia, decisions about your care fall to your doctors and the state. Not to the people who actually know you.
This LPA names the people YOU trust to speak for you. Where you live. The care you receive. End-of-life choices.
We guide you through every step.
Let's get it sortedWHAT YOU AVOID
The £408 court fee is not the real cost. The real cost is what happens to your everyday life, your family, and your credit while everyone waits for a stranger to be appointed to make your decisions.
The moment your bank has reason to believe you cannot make decisions, the account locks. Joint accounts too. Your partner's debit card stops working at the till. Bills cannot be paid from your savings.
Mortgage payment misses. Council tax misses. Utilities miss. Insurance premiums miss. Each one generates a letter, a phone call, a black mark. Your partner is now fielding calls from your creditors without the legal authority to act.
£408 to the court. Solicitor estimate £750 to £1,500. The form takes weeks to prepare. Hearings are months out. Meanwhile, bills keep arriving. Your family pays them from their own money or watches them pile up.
Missed payments appearing on your credit file. Car insurance and life cover lapsed because the premiums went unpaid. You are now uninsured during the most vulnerable period of your life. Your credit will take years to recover.
A Deputy is appointed. Even when it is a family member, every major decision they make has to be reviewed by the court. The annual deputy supervision fee of £320 to £820 starts. Forever. The simplest decisions now require court approval.
If your mortgage payments have missed for 90+ days, your lender starts repossession proceedings. The family home now in the balance. Plus £1,500 to £2,500 in court and legal fees already gone. Plus years of credit damage. Plus the strain on your family, who have been holding it all together while you have been recovering.
It prevents almost every line on this page. The Office of the Public Guardian registration fee on top is £92 to £184. Total, one-time. Active for the rest of your life.
FROM A LEGACY CREATOR
When I sat down to think about who I would actually trust with my money if something happened, I realised I had never asked myself the question before. Legacy Creators made that easier than I expected, and stronger than I imagined.
YOUR CIRCLE. YOUR CHOICE.
Start with a free 3-minute assessment. We will map your situation together before any paperwork.