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  Highgrove House
Truro Business Park
Threemilestone
Truro
Cornwall
TR4 9NH

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 estate planning, inheritance tax, legal service, power of attorney, probate, will writing, living wills, legal documents, willwriter, lasting power of attorney, legal will, will preparation, professional wills, APS Legal & Associates, death will

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APS Legal and Associates - Specialist in-home Estate Planning - Home APS Legal and Associates offer a dedicated specialist in-home Will Writing & Estate Planning service. We can help and advise you in all aspects of Estate Planning from writing your Will to Powers of Attorney, Inheritance Tax planning and Asset Protection from Care Fees. Consultations are free and without obligation.

Who needs to make a professional Will? Planning your estate and making a professional Will is one of the most important things you will ever do. By protecting your hard earned wealth and assets, and putting them in order, you can protect those people that matter to you the most.

Whatever your circumstances, to die Intestate (without having made a Will) leaves your loved ones in an uncertain and stressful position. Putting your affairs in order is one of the most important tasks you are likely to undertake.

Inheritance Tax IS optional... Inheritance Tax Inheritance tax is a type of tax you have to pay when you die; on all the assets you leave for your loved ones, like your home, investments, stocks, shares and possessions. This is normally known as your estate.

The Inland Revenue will receive 40% of your estate over the Nil Rate Band (your own personal allowance). We could legally help you and your family to significantly reduce your Inheritance Tax liability with a little advance planning.

Living Wills Would you like to state your wishes in advance regarding your medical treatment if you became seriously ill and were unable to make or communicate your own choices?

An Advance Decision, or "Living Will" is a legally binding document which allows you to retain control over future medical decisions. It gives specific details with regard to medical treatment should you be incapable of communicating your wishes. It can request that life sustaining treatment is refused if there is no ongoing quality of life or hope of recovery.

It is legally binding as long as, at the time of signature, you:

• are deemed mentally capable of making the decisions contained within the Living Will;

• understand what will happen in consequence of the Living Will;

• make clear what future treatment is requested with regard to medical circumstances that may later arise;

• make the Living Will voluntarily and not under the influence of someone else.
The Living Will can be as used to specify, for example, that antibiotics be avoided or that tube feeding or resuscitation not be attempted in case of an emergency.

Who would be allowed to look after your affairs if you were unable to? Chances are, no-one apart from you.

Without a Lasting Power of Attorney already drawn up, your loved ones do not have any authority to handle your affairs and have to apply to the Court of Protection to gain legal permission. All this takes a significant amount of time and money – up to a year and £1,000’s to gain legal authority.

Lasting Power of Attorney documents allow you to appoint people you trust, such as members of your family or friends, who can step in and make decisions on your behalf.

In fact there are two types of Lasting Powers of Attorney documents available to you:

** one allows the people you trust (your attorneys) to make decisions relating to your finances and property when you can’t make decisions for yourself.

** the other allows your attorneys to make decisions relating to your personal welfare and even healthcare when you can’t make decisions for yourself.

Please contact us to discuss how a Lasting Power of Attorney could be of benefit to you and your family. An LPA can only be used when it is registered with the Office of the Public Guardian (OPG).

These are far more flexible than the old Enduring Power of Attorney (EPA) documents. It is also well worth contacting us if you have an existing EPA to find out what extra benefits and security the new Lasting Powers of Attorney documents can provide to you. .

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