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Rosebery Estate Planning, Blackpool (2026)

23/09/2026

Have you protected Assets in Trust or have a Trust in a Will?

Do your trustees know what really matters to you?

A Letter of Wishes explains the thinking behind your trust and can help trustees make decisions that reflect your intentions—whether that means supporting loved ones, protecting family wealth or balancing different needs.

It is not legally binding and does not replace a properly drafted trust, but it can provide valuable clarity. It should also be reviewed whenever your circumstances change.

If you are setting up or reviewing a trust, speak to us about recording your wishes clearly.

Get in touch with us by email: [email protected]
Or call 📞 07950 028245

Start a will online: www.legal.rosebery-ep.co.uk

16/09/2026

A Will Protects Your Estate. An LPA Helps Protect You.

Making a Will is an important part of planning ahead. Yet there is another document that can be just as significant: a Lasting Power of Attorney, or LPA.

While a Will explains what should happen after your death, an LPA is designed to support and protect you during your lifetime. It gives people you know and trust the legal authority to help if you are ever unable to make certain decisions for yourself.

It is easy to assume that those closest to you would simply be able to step in. Unfortunately, the law does not always work that way.
If an accident or illness left you unable to manage your affairs, would the right people have the authority to help?

Planning for Life’s Unexpected Turns
None of us likes to imagine losing the ability to make our own decisions. However, a stroke, serious illness, injury or sudden change in health can happen at any age, often without warning.
Putting an LPA in place while you are well means you remain in control of an important choice: deciding who you would want beside you and speaking for you if support were ever needed.
Without an LPA, even a husband, wife, partner or adult child may not be able to access accounts, deal with household bills or make decisions about care on your behalf.

In that situation, the family may need to apply to the Court of Protection for permission to act. This can take time, involve additional cost and create uncertainty at an already difficult point.
An LPA avoids leaving this crucial question unanswered. It creates a clear legal framework and records your wishes before they are needed.

For many families, that preparation brings valuable reassurance: you have chosen your attorneys carefully, and they know in advance what matters to you.

The Two Types of Lasting Power of Attorney
An LPA is a legal document in which you appoint one or more people, known as attorneys, to make particular decisions for you. In England and Wales, there are two separate forms of LPA, and many people decide to arrange both.

Each covers a different area of your life:

Property and Financial Affairs
This allows your attorneys to deal with matters such as bank accounts, household payments, pensions, benefits, investments and property. Depending on how the document is prepared, it may also be used with your permission while you still have capacity.

Health and Welfare
This gives your attorneys authority over personal matters such as medical treatment, care arrangements and where you live. It can only be used for a particular decision when you no longer have the mental capacity to make that decision yourself.

An LPA is not about giving away control. It is about making thoughtful choices now, so that the people you trust can protect your interests later. At Rosebery Estate Planning, we believe good planning should feel clear, personal and reassuring — giving you and those closest to you greater confidence about the future.

Book a FREE Home Consultation… [email protected]
📞 07950 028245

29/07/2026

"Inheritance Tax won't affect my family..."

That's something I hear regularly when meeting clients.
Yet today's news highlights how inheritance tax changes could bring thousands more families into the tax net over the next few years, particularly where pensions form a significant part of an estate.

For many people, their biggest assets are:
🏡 Their home
💰 Their pension
📈 Their savings and investments

When you add these together, the value of an estate can grow much quicker than people realise.

The key point is this:
Estate planning isn't just about inheritance tax.

It's about making sure:
✅ Your wishes are followed
✅ Your family knows what to do
✅ Assets go to the people you choose
✅ Your loved ones avoid unnecessary stress

The earlier you plan, the more options you usually have.
I'd love to know...

If you could ask one question about inheritance tax, Wills or estate planning, what would it be?

Drop your question in the comments below 👇

📞 07950 028245
📧 [email protected]
🌐 www.rosebery-ep.co.uk

28/07/2026

The Great Wealth Transfer is already happening… Are British families ready?

Over the next 30 years, an estimated £5.5 trillion to £7 trillion is expected to pass from one generation to the next in the UK, making it one of the largest transfers of wealth in British history. Recent reports suggest that inheritances already exceed £100 billion per year, and the value of estates is continuing to grow as property and investment values rise.

But here's the surprising part:
While many families focus on what they will leave behind, far fewer spend time planning how that wealth will be transferred.

Without proper planning, a family's legacy can be significantly reduced by:
✅ Inheritance Tax
✅ Probate delays
✅ Family disputes
✅ Outdated or poorly drafted Wills
✅ Lack of Powers of Attorney if illness strikes before death

The Great Wealth Transfer isn't just a financial story—it's a family story.

Across Lancashire, Greater Manchester and Merseyside, we're increasingly meeting clients whose estates now exceed values they never imagined. A house purchased decades ago for a fraction of its current value may now form the cornerstone of a substantial estate. Yet many of these families have never reviewed their Will, discussed their wishes with loved ones, or considered how future generations will manage their inheritance.

The most successful wealth transfers aren't necessarily the largest.
They're the ones that are planned.

At Rosebery Estate Planning, we help families put the right foundations in place through:
✔️ Wills
✔️ Lasting Powers of Attorney
✔️ Trusts
✔️ Inheritance Tax Planning
✔️ Estate Administration & Probate Support

Because protecting wealth is only part of the equation. Ensuring it reaches the people you care about, in the way you intend, is what really matters.

The question isn't whether the Great Wealth Transfer will happen.
It's whether your family is prepared for it.

If you've not reviewed your estate planning arrangements in the last few years, now could be the ideal time to start the conversation.

💬 Do you think UK families talk openly enough about inheritance and estate planning, or is it still one of those conversations that gets put off until it's too late?

📞 07950 028245
📩 [email protected]

20/07/2026

Making a Lasting Power of Attorney is an important step in protecting your future — but it must be done properly, with care, understanding and the right safeguards in place.

At Rosebery Estate Planning, we offer home visits for clients who would prefer to discuss their LPA in the comfort and privacy of their own home. This can be especially helpful where mobility, health, family circumstances or peace of mind make a home appointment the better option.

Where we agree to act as Certificate Provider, we follow clear protocols to ensure the donor understands what an LPA is, the powers being granted, who they are appointing, and that they are making the decision freely and without pressure. This includes careful capacity checks in line with the Mental Capacity Act 2005 and a considered conversation with the donor.

If you or a loved one is thinking about putting an LPA in place, we can guide you through the process clearly and sensitively.

Book a home visit today or get in touch to discuss how we can help.

📞 07950 028245
📩 [email protected]

30/06/2026

A FREE consultation is worth more than you could think!

Why a Will Is More Than Just a Document

You may have heard that a will can be created in minutes — even generated by AI or prepared quickly as part of a standard legal service.
That’s true.

But the document itself is only a small part of the process.

What really matters is the advice you receive before anything is drafted.

A well-prepared will starts with a proper conversation. One where we take the time to understand your full situation — your family, your assets, and the people you want to provide for.

Because the reality is, many of the risks in estate planning aren’t obvious.

✔ You may have a blended family and not realise how that affects who can make a claim.
✔ You might have assets in a trust that don’t operate the way you think they do.
✔ You could be in a relationship where one partner assumes they are protected — but legally, that may not be the case.
✔ There may be children from a previous relationship whose rights need to be carefully considered.

These issues don’t always come up naturally.

Most people don’t know what information is relevant — and that’s completely understandable. Part of our role is to ask the right questions and guide you through what needs to be considered.

Over time, we often see the same situation: a will that looks perfectly fine on paper, but doesn’t work as intended when circumstances change or something unexpected happens.

In many cases, the problem isn’t the wording of the document. It’s that important issues were never identified or discussed in the first place.

That’s why we approach wills differently.

We don’t see them as a form to complete. We see them as part of a plan — one that is tailored to your circumstances and designed to work in real life, not just on paper.

A will should give you confidence that:
✔ Your wishes are clear
✔ Your family is properly provided for
✔ Potential issues have been considered in advance

That level of certainty doesn’t come from a quick template. It comes from taking the time to understand the full picture.
Because in the end, it’s not just about having a will.
It’s about having the right will — for you.

📞 07950 028245
📩 [email protected]

04/06/2026

Recently in a client meeting I was asked the following: ‘I get why I should have an LPA for Property and Financial affairs, but I am not clear why I should also have the one for Health & Welfare?’

Well, here is my take on the value of a Health & Welfare LPA

“A Health & Welfare Lasting Power of Attorney is about control, certainty, and protecting your voice when you can no longer communicate it yourself.”

In practical terms, its value comes down to three key areas:

1. Control over your care and medical decisions

A Health & Welfare LPA allows you to legally appoint someone you trust to make decisions about your care, treatment, and living arrangements if you lose mental capacity.
That includes:
• Medical treatment (including consenting to or refusing treatment)
• Where you live (e.g. remaining at home vs. moving into care)
• Day-to-day care and wellbeing (food, routine, personal care)
➡️ Without it, these decisions default to doctors or social services, not your family.

2. Ensuring your wishes are respected

It’s not just about who makes decisions — it’s about how those decisions are made.
• You can document preferences and instructions (e.g. care at home, specific treatments)
• Your attorney is legally required to act in your best interests under the Mental Capacity Act 2005
• It gives someone the ability to advocate for you in real-time situations, not just follow a static document
➡️ In short, it ensures your values and beliefs guide decisions, even when you cannot express them.

3. Reducing stress, delay, and conflict for loved ones

A major part of the value is what it avoids:
• Family members do not automatically have legal authority without an LPA
• Decisions can be delayed or disputed without clear authority in place
• In some cases, families may need to apply to the Court of Protection — which is time-consuming and costly
➡️ With an LPA, your family has clarity, authority, and confidence at a difficult time, rather than uncertainty and stress

4. It preserves autonomy — not removes it
key reassurance points

• A Health & Welfare LPA only comes into effect if you lose mental capacity
• You remain fully in control while you can make your own decisions
➡️ So it’s not about giving up control — it’s about deciding in advance who steps in, if ever needed.

“The real value of a Health & Welfare LPA is that it ensures the right person can make the right decisions, in line with your wishes, at the exact moment you’re no longer able to do so yourself.”

For more information:
📩 [email protected]
📞 07950 028245

27/05/2026

Question 1:
If you and your partner were in a serious car accident today, both left unconscious, do you currently have a document giving someone you trust immediate legal authority to care for your children?

Question 2:
Did you know that without a legal document in place, there is a risk your children could be put into temporary care by Social Services care and looked after by strangers who could live in the area where the accident happened, not known or trusted by you or your children?

Question 3:
If there was a free, fast and frictionless way to legally eliminate the risk of this happening, would you want to know more?

📩 [email protected]
📞 07950 028245

19/05/2026

Time, memories… and passing the baton

Earlier this month, an old friend came to stay for an extended weekend.

We hadn’t spent proper time together for some time — the kind of weekend where conversation picks up exactly where it left off, even though so much of life has happened in between.

It was a reminder of how quickly time moves.
Not long after, I received an invitation to celebrate the 50th anniversary of my old school — in Hertfordshire — and it stopped me in my tracks. I was there in that founding year. It doesn’t feel like 50 years ago… but of course, it is.

Between those two moments, it really struck me:

Life quietly gathers pace.
Families grow.
Children become adults.
Some people we love are no longer here.
And yet, the memories… those stay with us.

At a certain point, many of us begin to think differently about what we leave behind — not just financially, but in terms of clarity, guidance, and care for the people who matter most.

In many ways, it’s about passing the baton.
Making sure the next generation is supported.
Making things easier during what can be a difficult time.
And ensuring that what you’ve built — in whatever form that takes — is handled in the way you would want.

It’s not always the easiest conversation to start, but it is one of the most important.

If this resonates with you, or you’re beginning to think about putting plans in place, I’d be more than happy to have a chat — no pressure, just a conversation.

📩 Feel free to get in touch or send me a message: [email protected]

📞 07950 028245

🔗 Or follow our page for more practical insights and reflections like this

29/04/2026

🏡 Estate Planning: Getting the Basics Right Makes All the Difference

When done properly, estate planning isn’t just about passing on assets — it’s about protecting family, preserving control, and avoiding unnecessary stress.

Here are three essentials everyone should understand:

✅ Property Trusts in Wills
A Property Protection Trust (often used by couples) can help:
• Protect a share of the family home from being lost to future care fees
• Ensure children or chosen beneficiaries ultimately inherit
• Allow the surviving partner to remain living in the home
It’s about balancing care, security and legacy.
--
✅ Lasting Powers of Attorney (LPAs)
LPAs allow trusted people to make decisions on your behalf if you can’t — covering:
• Property & Financial Affairs
• Health & Welfare
Without LPAs, families may face costly court applications and delays, often during already stressful times.
--
✅ Regular Estate Planning Reviews
Life doesn’t stand still — and neither should your plans.
Reviews are essential after:
• Bereavement or remarriage
• Children growing up
• Changes in property, finances or health
• New legislation or planning opportunities
What worked 10 years ago may no longer protect you today.
--
⚠️ A Real-World Scenario
A widower passed away without a Property Trust or LPAs in place.
His entire estate transferred outright to his second spouse. When care was later required, the home was sold to fund fees — leaving his children from his first marriage with nothing, despite his intentions.
All of this could have been avoided with the right planning at the right time.
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📞 Take Control — Before Decisions Are Taken Out of Your Hands
Estate planning isn’t just for later life — it’s for peace of mind now.
👉 Book a confidential review
👉 Ensure your wishes are clear and protected
👉 Put the right foundations in place
If you haven’t reviewed your Will or LPAs recently, now is the time.
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📩 Message us here or contact us directly to arrange a no-obligation conversation.
[email protected]
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Rosebery Estate Planning

23/09/2026

16/09/2026

29/07/2026

28/07/2026

20/07/2026

30/06/2026

04/06/2026

27/05/2026

19/05/2026

29/04/2026

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Tuesday	9:30am - 7:30pm
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