Protect your partner and family

Why do I need a Will? A Will is a crucial legal document that ensures your wishes are respected and your assets are distributed according to your desires after you pass away. While it may not be... a pleasant topic to think about, having a will is an essential part of responsible financial planning and can bring peace of mind to both you and your loved ones. One of the primary reasons why you need a will is to have control over the distribution of your assets. Without a will, your estate will be divided according to the laws of intestacy (state of dying without a will), which may not align with your wishes. By having a will in place, you can specify who will inherit your belongings, from tangible assets like real estate and vehicles to sentimental items such as family heirlooms. This can help prevent potential disputes and conflicts among your loved ones, ensuring that your assets are distributed according to your intentions. In addition to asset distribution, a will also allows you to name guardians for your minor children. By appointing a trusted individual to care for your children in the event of your passing, you can have peace of mind knowing that they will be in good hands. This can be a particularly significan decision, as it ensures your children's well-being and protects them from potential legal battles over guardianship. Furthermore, a will can help establish trusts to provide for the financial needs of your loved ones. Whether you have minor children who will require financial support until they reach adulthood or individuals with special needs who may require ongoing care, a will can provide clear instructions on how to manage and distribute funds. By setting up trusts, you can have control over how and when the money is used, ensuring that it is utilised in the best interest of your beneficiaries. Overall, having a will is essential for everyone, regardless of age or financial status. It provides the opportunity to ensure that your final wishes are respected, your loved ones are cared for, and your assets are distributed according to your preferences. By taking the time to create a will, you can have the peace of mind knowing that you taken the necessary steps to protect your legacy and the well-being of your family.

Funeral planning is an essential aspect of preparing for the inevitable. It involves making arrangements for the end-of-life expenses and the desired funeral services. Having a solid... funeral plan in place can bring peace of mind to both individuals and their families. we don’t give specifics advice on this product.

Having a power of attorney is a crucial part of estate planning and ensuring that your affairs are well-managed in the event that you are unable to make decisions for yourself. It is a legal document... that grants authority to a trusted individual, known as the agent or attorney-in-fact, to make financial, legal and healthcare decisions on your behalf. The power of attorney can be useful in various circumstances, such as when you're travelling, incapaciated due to illness or injury, or simply prefer someone else to handle your affairs. By designating a power of attorney, you have the peace of mind knowing that there is a trusted person who can act in your best interests and make important decisions when you are unable to do so. There are different types of power of attorney, including general, limited and durable power of attorney. A general power of attorney grants broad authority to the agent to handle a wide range of financial and legal matters on your behalf. A limited power of attorney, on the other hand, grants specific powers for a particular purpose or a specific time period. A durable power of attorney remains in effect even if you become incapacitated and unable to make decisions. It is crucial to choose an agent whom you trust implicitly, as they will have significant control over your affairs. Our expert team can provide advice on who may be suitable to act as your attorney and can help you create a plan that ensures your wishes are adhered to later in life.