Property & Financial Affairs LPA
This LPA deals with financial and property matters.
- Managing bank and building-society accounts
- Paying bills
- Managing certain investments
- Dealing with property matters
- Managing financial affairs where authorised
Protecting your family, your property and your legacy.
Cardiff based • Supporting families across England & Wales
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Cardiff • Future Decisions • Family Protection
Lasting Power of Attorney Cardiff
Choose the people you trust to help make important
decisions if circumstances change and you are
unable to make certain decisions yourself.
Evans Legacy Planning provides Lasting Power of Attorney support for individuals, couples and families in Cardiff and surrounding South Wales.
We help you understand the two types of LPA, choose suitable attorneys and put clear instructions in place before they are ever needed.
Property & Financial Affairs Health & Welfare Cardiff based
Two LPA Types Understand what each one covers
Cardiff Based Local estate-planning support
Plain English Clear attorney guidance
Clear Fees Costs explained before proceeding
Payment Options Ask about current options
LPA explained simply
What Is a Lasting Power of Attorney?
A Lasting Power of Attorney allows you to appoint one or more trusted people — known as attorneys — to make certain decisions on your behalf.
You create the LPA while you have the required mental capacity to do so.
Putting an LPA in place in advance can make it significantly clearer who should be able to help if illness, injury or loss of capacity affects your ability to deal with important matters yourself.
Official GOV.UK LPA guidance →An LPA Can Help You Plan for
Managing bank accounts and finances
Paying bills and dealing with financial matters
Property-related decisions
Care and living arrangements
Certain medical and welfare decisions
Giving trusted people clear legal authority
The two types of LPA
Property & Financial Affairs or Health & Welfare?
They cover different areas of your life. Many people choose to consider both.
Health & Welfare LPA
This LPA deals with certain personal welfare and healthcare decisions.
- Where you should live
- Your day-to-day care
- Healthcare arrangements
- Some medical-treatment decisions
- Other welfare decisions within the LPA's scope
Protect your voice
An LPA Helps You Choose Who You Would Trust
Nobody likes imagining a time when they may struggle to make important decisions themselves.
But putting an LPA in place while everything is well gives you the opportunity to decide who you would trust and how you would like them to act.
That can give both you and your family much greater clarity if difficult circumstances ever arise.
What if there is no LPA?
Family Members Do Not Automatically Receive Every Decision-Making Power
Being a spouse, partner, child or close relative does not automatically provide legal authority to deal with every financial or welfare matter.
Bank Accounts
Family members may not automatically be able to access or manage another person's accounts.
Property
Selling, managing or dealing with property can require the correct legal authority.
Financial Affairs
Important financial decisions may become much more difficult without advance authority.
Welfare Decisions
Family members do not automatically have unrestricted authority over another adult's welfare decisions.
Court of Protection
Where somebody lacks capacity and no suitable authority exists, a Court of Protection application may need to be considered in some circumstances.
More Stress for Family
Trying to resolve authority after capacity has already been lost can create additional work, uncertainty and delay.
Choosing your attorneys
Who Should You Appoint?
Your attorneys can potentially deal with extremely important parts of your life, so the decision should not be made simply because somebody is the closest family member.
Think about trust, reliability, practical ability, relationships between attorneys and whether the person understands the responsibility involved.
You can also consider how multiple attorneys should make decisions and whether replacement attorneys should be appointed.
Trust Would you trust this person with significant
financial or welfare decisions?
Reliability Are they organised enough to deal with
important responsibilities properly?
Practical Ability Can they realistically perform the role
if they are ever needed?
Working Together If more than one attorney is appointed,
consider whether they can work together effectively.
Replacement Attorneys Consider what should happen if your original
attorney cannot continue.
Cardiff LPA Checker
Is It Time to Consider Lasting Powers of Attorney?
Tick anything that applies to you. This is designed to identify useful planning questions rather than provide legal advice.
Your result
Tick any relevant points above.
Clear from start to registration
Our LPA Process in Cardiff
We help make a technical process easier to understand step by step.
01
Family Legacy Review
Discuss your circumstances and what you want your LPAs to achieve.
02
Choose Your Attorneys
Identify suitable attorneys and possible replacements.
03
Prepare the LPAs
Prepare the Property & Financial Affairs and/or Health & Welfare arrangements.
04
Signing & Certification
Follow the required signing, witnessing and certificate process.
05
Registration
The LPA must be registered with the Office of the Public Guardian before use.
Property & business owners
LPAs Can Become Even More Important When You Have More to Manage
Homeowners, landlords, investors and business owners often have additional financial responsibilities that could become difficult to manage if they were suddenly unable to deal with matters themselves.
An LPA should therefore be considered alongside your wider estate planning rather than treated as an isolated form.
Homeowners Property and household finances may require
somebody with appropriate authority.
Landlords Rental property can involve tenants,
payments and ongoing financial responsibilities.
Business Owners Personal and business decision-making may
require careful coordination.
Investments More complicated finances can make advance
decision-making arrangements particularly useful.
Wider Estate Plan LPAs should work alongside your Will,
Trusts and wider family planning.
Office of the Public Guardian
LPA Registration Matters
Creating the documents is not the end of the process. An LPA must be registered with the Office of the Public Guardian before it can be used.
A Property & Financial Affairs LPA may, depending on the instructions within it, potentially be used after registration while the donor still has capacity.
A Health & Welfare LPA is used for relevant decisions when the donor lacks capacity to make the particular decision themselves.
GOV.UK LPA registration guidance → Do Not Leave It Until It Is Needed An LPA needs to be created while the donor
has sufficient mental capacity to make it.
If capacity has already been lost, an LPA
cannot simply be created retrospectively
by the family.
Local LPA services Cardiff
Lasting Power of Attorney Support Across Cardiff
Evans Legacy Planning is Cardiff based and supports individuals, couples and families throughout Cardiff and surrounding South Wales with Lasting Powers of Attorney.
Telephone and video appointments can make it easier to begin your planning around work, family and other commitments.
We can also review your LPA requirements alongside your Will, Trusts and wider estate-planning arrangements.
View our Estate Planning Cardiff hub →Cardiff & Nearby Areas
Cardiff
Cardiff Bay
Canton & Pontcanna
Roath & Penylan
Whitchurch & North Cardiff
Caerphilly
Newport & wider South Wales
£
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Ask the Evans Legacy Planning team about finance or flexible payment options currently available for suitable estate-planning services.
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Lasting Power of Attorney Cardiff FAQs
Common Questions About LPAs
What is a Lasting Power of Attorney?
A Lasting Power of Attorney is a legal document
that allows you to appoint one or more trusted
people to make certain decisions on your behalf.
What are the two types of LPA?
There is a Property & Financial Affairs LPA
and a Health & Welfare LPA. They deal with
different areas of decision-making.
Can I have both types of LPA?
Yes. Many people consider both because financial
decisions and health or welfare decisions are
covered by separate LPAs.
Does my spouse automatically have power of attorney?
No. Being married or in a civil partnership does
not automatically give somebody all of the legal
authority available under a registered LPA.
Can my children automatically manage my finances?
No. Adult children do not automatically receive
unrestricted legal authority to manage a parent's
financial affairs simply because of the family relationship.
When can a Property & Financial Affairs LPA be used?
Once registered, a Property & Financial Affairs LPA
can potentially be used while the donor still has
capacity if the donor has authorised this within
the arrangement.
When can a Health & Welfare LPA be used?
A Health & Welfare LPA is used for relevant
decisions when the donor lacks capacity to
make the particular decision themselves.
Does an LPA need to be registered?
Yes. A Lasting Power of Attorney must be registered
with the Office of the Public Guardian before it
can be used.
Can I make an LPA after losing mental capacity?
An individual must have sufficient mental capacity
to make an LPA. If capacity has already been lost,
the family may need to consider other legal routes,
potentially including the Court of Protection.
How many attorneys can I appoint?
More than one attorney can be appointed.
The arrangement also needs to specify how multiple
attorneys are expected to make decisions.
Should I make an LPA if I am healthy?
Many people choose to make LPAs while they are
fit and healthy because the documents need to be
created while they have sufficient mental capacity.
Do I still need a Will if I have an LPA?
Yes, they perform different roles. LPAs deal with
certain decisions during your lifetime, while a
Will primarily deals with your estate after death.
Can Evans Legacy Planning help outside Cardiff?
Yes. Evans Legacy Planning is Cardiff based and
supports suitable clients throughout South Wales
and wider England and Wales.
Complimentary Family Legacy Review
Put the Right People in Place Before They Are Needed
Start with a straightforward conversation about who you would trust, what responsibilities you have and whether Property & Financial Affairs, Health & Welfare or both LPAs should be considered.