Most people spend years building up their assets, savings, and property, yet very few take the simple step of protecting who controls those things if they were ever unable to do so themselves. A Lasting Power of Attorney (LPA) is one of the most important legal documents you will ever put in place, and yet it remains one of the most overlooked.

Care home fees in the UK are rising at an alarming rate, and without the right estate planning in place, your home and life savings could be consumed paying for care before a single penny reaches your family. Here is everything you need to know and what you can do about it right now.

Inheritance tax planning has moved from a niche concern of the wealthy to a mainstream issue for ordinary UK families. With the nil rate band frozen at £325,000 until April 2031 and unused pensions entering the IHT net from April 2027, the Office for Budget Responsibility now expects almost 10% of estates to face an inheritance tax bill by 2030 — nearly double the current rate.