Steve Jewell - Will Adviser and Estate Planner

Steve Jewell - Will Adviser and Estate Planner Will writing and estate planning adviser. My services cover will writing, powers of attorney and later life planning.

Everyone should have a Will, but 2 out of 3 people have not yet made a Will and those that have, may not have the correct Will in place. If you own a business or a share of a business then your spouse / partner and children may not inherit your share of a business. A large proportion of any inheritance is lost in future divorce settlements, to creditors or bankruptcy and unnecessary taxation. An estimated 70,000 people per year have to sell their homes to pay for care.

Get in touch for a no fee, no obligation conversation about how to put LPAs in place for you.Who will speak for you when...
29/03/2021

Get in touch for a no fee, no obligation conversation about how to put LPAs in place for you.

Who will speak for you when you can’t speak for yourself?
If you lose the power to make decisions, a lasting power of attorney (LPA) lets people you trust quickly, easily and legally step in.

Along with lots of other people, you may think your partner or close family members can automatically make decisions for you if you’re not able to.

This is not the case.

True or False?
“If a couple have a joint bank account and one person can’t make decisions for themselves, their partner can legally make decisions for them.”

This is false, but 73% of people think it is true.

“In hospital, your next of kin always get the final say in treatment decisions if you can’t make them for yourself.”

This is false, but 72% of people think it is true.
*NatCen Survey of 2000 people 2017

A Lasting Power of Attorney makes it easier for the people you trust to support you and, if needed, act for you when you may need it most. It could be temporary help to cover a short hospital stay, or long-term support to manage decisions around your health and care.

An LPA not only gives you a voice – it protects your choices.

Two types of lasting power of attorney

Health and welfare decisions
A health and welfare lasting power of attorney gives people the power to make decisions about things like:
• Your daily routine – for example washing, dressing and eating
• Medical care
• Moving into a care home
• Life sustaining treatment
You apply and register it now, but it’s only used if you can’t make your own decisions in the future

Financial decisions
A finance and property lasting power of attorney gives someone you trust the power to make decisions about your money and property, for example:
• Paying bills
• Managing bank or building society accounts
• Collecting benefits or pensions
• Selling your home
• Claiming on insurance policies
These powers can be used at any time, but only if you say it’s ok.

Get in touch for a no fee, no obligation conversation about how to put LPAs in place for you.

Why You Should Make a Will It’s never too early but often too late! Why you should make a Will • You can put off making...
22/03/2021

Why You Should Make a Will


It’s never too early but often too late!
Why you should make a Will

• You can put off making a Will until it is too late and this poses all sorts of problems for the people left behind. Not making a Will could mean that some, or all of your Inheritance either goes to the wrong person, or to the state.
• Making a Will enables you to plan exactly what will happen to your property (Estate) following your demise. This ensures that those you would like to benefit actually do so, in accordance with your wishes, and at the same time avoiding any possible disputes between relatives. Most importantly is the peace of mind making a Will provides.

Without a Will

• You cannot be sure those you would wish to benefit will actually do so.
• Your spouse/civil partner will not automatically inherit ALL of your Estate.
• ‘Common Law’ partners may not receive anything.
• Minor children could be taken into Care whilst Guardians are appointed.
• There could be lengthy delays for your Beneficiaries and disputes.
• You cannot prevent certain family members from benefiting.
• You will not be able to leave something to friends, colleagues or charities, which fall outside of the rules of Intestacy.

In the time it takes to read this post, someone, somewhere will have died Intestate - that is, without leaving a valid Will.

12/03/2021

Welcome!

If I can be of assistance please get in touch for an initial no fee, no obligation meeting.

I have worked in finance all my working life starting in banks at age 16. My roles have included Customer Services, Assistant Bank Manager, Financial Adviser, Independent Financial Adviser and Operations Director at a firm of Independent Financial Advisers.

I now enjoy meeting people and helping them to ensure that their hard earned wealth passes efficiently according to their wishes rather than to unintended others such as ‘The Tax Man’ or local Authority for care costs and to help to prevent accidental disinheritances.

I work hand in hand with a number of Financial Advisers to provide a ‘joined up’ approach to a clients’ needs and requirements.

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Taunton
TA28PX

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