Why Wills and LPAs Matter More Than You Think

And why planning early is one of the best gifts you can give your family

When life is busy, it’s easy to push things like Wills and Lasting Powers of Attorney (LPAs) to the bottom of the to-do list. They’re important… just not urgent. But the truth is, these two documents form the foundation of a strong personal protection plan — and they can make an enormous difference when life takes an unexpected turn.

Below, I look at why Wills and LPAs matter, the common myths that stop people from putting them in place, and why planning early is far more powerful (and easier) than most people realise.

Why a Will Is Essential — No Matter Your Age or Circumstances

Many people assume a Will is only needed later in life, or when you have lots of assets. Not true. A properly drafted Will protects your wishes, your loved ones, and your estate.

1. You choose who inherits — not the government

Without a Will, the rules of intestacy make that decision for you. This can lead to:

• The wrong people inheriting

• Unintended family disputes

• Delays and additional costs for those left behind

2. You appoint the right guardians for children

If you have children under 18, a Will is the only way to legally appoint guardians. Without it, the courts decide.

3. You can protect vulnerable beneficiaries

A Will allows you to set up Trusts, control how and when inheritances are received, and ensure financial protection for children, blended families, or beneficiaries with disabilities.

4. You reduce stress and uncertainty for the people you care about

A clear Will avoids arguments, confusion, and pressure at an already difficult time.

LPAs: The most important document you hope you’ll never need

While a Will manages your wishes after you pass away, an LPA protects you during your lifetime if you ever lose the ability to make decisions — whether temporarily or permanently.

There are two types:

• Property & Financial Affairs LPA

• Health & Welfare LPA

Why LPAs are so vital

1. Without an LPA, your family cannot automatically act for you

Many people assume spouses or children can simply step in. They can’t. Not without court approval.

2. Getting court permission is long, expensive and stressful

If no LPA exists, loved ones may have to apply to the Court of Protection — often taking 6–12 months and costing thousands. In that time, bills, care decisions, and finances can become chaotic.

3. LPAs ensure decisions are made by people you trust

You choose the people who know you best, understand your wishes, and will always act in your best interests.

4. They give clarity in medical situations

Your chosen attorneys can help make decisions around care, treatment, and day-to-day welfare if you cannot express them yourself.

Common Misconceptions (and the truth behind them)

“I’m too young to need a Will or LPA.”

In reality, accidents, illness, and sudden incapacity can affect anyone at any age. The best time to prepare is before you ever need it.

“My partner will automatically inherit everything.”

Not if you’re not married or in a civil partnership — and even married couples are often surprised by intestacy rules.

“An LPA hands over control.”

Absolutely not. While you have mental capacity, you remain fully in control. Your attorneys can only act if you lose capacity or with your permission.

“It’s just paperwork.”

The real value is the legal protection, peace of mind, and the prevention of family conflict or financial loss later.

Why planning early is the smartest approach

Early planning means:

• Better decision-making without pressure

• Lower risk of mistakes

• Clear communication with your family

• Legal certainty at a time when clarity is needed most

• A huge relief for the people who care about you

Clients often say:

“I feel so much better now it’s done.”

It’s one of the few tasks that delivers peace of mind immediately.

Final Thoughts: The best time to plan is long before you need it

Wills and LPAs are not about dwelling on the worst — they are about being organised, prepared, and protecting the people and the life you’ve worked hard to build.

If you haven’t reviewed your Will in a while, or you’ve been meaning to get your LPAs in place, now is the perfect time to take the next step.