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Writing a Will is seen by many of us as something which we know we need to do but which can always wait until tomorrow. Unfortunately, we are all going to die and few of us know when! Dying intestate (without a Will) leaves your family and those you care about in an uncertain position at a time of great stress.

The process of dealing with your affairs is likely to be more expensive, difficult and time consuming. Today's more complex families make it even more essential to have a Will in place to ensure that your assets go to the people that you want to inherit. A Will can make a huge difference to the amount that your loved ones inherit.
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A will is the only legal document where you can decide what will happen to your assets and your children after your death. If you die intestate (without a will) it will be the laws of intestacy that decide who will receive your estate and almost certainly that will not work the way you would have wished.
Careful succession planning is essential and a Will is a crucial part of that planning process. Not being clear on what is expected to happen, immediately devalues your business, because if you die intestate solicitors, accountants and potentially even the Crown will have to be involved in what happens next, and they are expensive people.
The provision of long term residential care is means tested and in the worst case, can leave an individual with as little as 14,250 to pass on to their family. Most people are anxious that their wealth passes to the next generation rather than to the Local Authority.

The house is not included in the means test whilst a spouse (or a dependant over 60 or under 18) is living in it so the problem occurs when one spouse has died and the whole of the joint assets have passed to the survivor.If that survivor needs long-term care, they will have to fund it themselves from a fixed amount of capital.
Have you thought about who would look after your financial affairs or your personal welfare if you were unable to make those decisions yourself? Previously you could make an Enduring Power of Attorney (EPA) to appoint up to four people to look after your financial affairs should be unable to do so yourself.
When it came into effect in 2007 The Mental Capacity Act introduced fundamental changes to "Living Wills". We can all refuse medical treatment if we choose to but if we have lost capacity at the time then how is that decision to be communicated? This is a general staement about beliefs and in general terms how you would wish to be treated.
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