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Tipi Wills & Mediation Services
info@tipiwills.co.uk Tel: 01727807169
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A local and national centre offering mediation to facilitate resolution over a wide range of disputes or difficult decision making, specialising in problems around Wills and contentious probate resolution. Plus Civil & Commercial Mediation, Interpersonal & Facilitative Mediation
Local & National Service
​FULL 100% ONLINE SERVICE AVAILABLE FOR ALL SERVICES VIA ZOOM, PHONE AND EMAIL
Keeping on living our lives to the full
The content, concepts and planning services written in this website and used by this business are strictly the creation of and the property of Patricia Horwood trading as Tipi Wills & Mediation.
"An Englishman's home is his castle"
"Edward Coke 1604"
Can be 100% online The beauty of using technology like Zoom is the flexibility. Your location does not matter for appointments or documents. Finding time is much less of an issue. Costs and expenses are kept down too, yet its still great getting to know each other face to face. Book your free consultation now
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Not yet mobile phone adapted website
WILLS AND MORE
Lasting Power of Attorney
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There are two types. One for decisions over health matters and one for handling financial matters
These powerful documents can be prepared ahead, registered but lie dormant with your copy Will in your safe place, to come into effect if, and only if, and when, they are ever needed in either health or financial matters, or both. These are the gold standard in peace of mind for you and those that care for you.
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We have created an additional layer of safety completely unique to Tipi Wills & Mediation, which we hope becomes widely used. It is called "Isobel's Conditions" to be used with your Health LPA document and signed by your attorney. These were formed as a result of a true story.
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Have a Property and Financial Affairs LPA to allow another person to deal with paying your bills, buying and selling your property and managing your finances. This may be because you need help, such as when you travel or illness. A simple Power of Attorney may be used if it is temporary.
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A Health and Welfare Lasting Power of Attorney covers decisions about health and care and even deciding where you are to live if you cannot. This can only be used if someone is incapable of dealing with such matters themselves as the Mental Health Act is very strict on this matter. (Registration time has risen to 20 weeks (2023 reported 2024). Please plan well in advance of when you may need and register well ahead).
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Accidents and illness happen. For your family to apply to the Court for a deputy to handle your affairs, after its needed, is costly, can be thousands, and slow. So ease that burden on your family and do an LPA ahead of when its needed. It is most cost effective by comparison. Anyone can do an LPA once over 18, and it is advisable to do one or both, alongside your Will well ahead of the need.
Trusts The little known power at your fingertips
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A good Will, when brought into effect has the remarkable power to give you use of Trusts.
What this means, is by using the right terminology in your Will, you can use the law to provide for the immediate protection of your home and finances for a partner or dependant as well as minimise Inheritance Tax. However, there are things you need to know before going down this route.
If appropriate, a trust can also protect your property for future generations, your finances and the living arrangements of the people you care about. You can consider what happens if children and grandchildren not yet born or under 18, find they are inheriting and what should happen to your gifts if a beneficiary passes before you.
MAKE
A
WILL
KEY TIMES TO MAKE
OR AMEND A WILL
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BIRTH
DEATH
MARRIAGE
DIVORCE
CO-HABITING AND HAVE CHILDREN
HOUSE PURCHASE & SALE
CHANGE IN LAW & TAX
TURNING 18 if a beneficiary
POTENTIAL RISK
SERIOUS OR TERMINAL ILLNESS
END OF A "LIFE INTEREST TRUST"
BLENDED FAMILY
ADOPTION
" Don't let tax and legalities drive your life and your Will. Let the Will and legalities support your life."
Living Will
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This is a legal document that informs doctors and medical care givers what medical care you want .....
..... if you are unable to communicate due to an accident, severe illness, dementia or coma. It also guides your family to make decisions about sustaining your quality of life that you would agree with.
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If you do not have a living will and you become unable to make your own decisions, doctors will turn to family members (spouse, then children) for decisions. This can place a heavy burden on family members and can also cause rifts and guilt within the family if there is disagreement.
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A living will/advanced directive is only valid if you are unable to communicate your wishes. It lays out what your wishes are.
A health care Lasting Power of Attorney gives someone else the ability to make decisions for you regarding your health care. It applies to both end-of-life treatment as well as other areas of medical care. A living will that contains instructions to deny life sustaining treatment must be executed formally. You must make sure its existence is known and that it is lodged with your GP.
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Ensure your LPA, and therefore the Attorney, does not override your Advanced Directive / Living Will by having the living will dated after the LPA. We will organise this for you.
What is a Nil Rate Band and Residential Nil Rate Band?
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This is the Inheritance Tax Relief that may be available to you.
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Did you know that in some cases you can use both together and both can be transferred from the deceased spouse? This can mean no Inheritance Tax is payable. Certain gifts can be made in your lifetime, tax free, or after 7 years they can be tax free. If you wish to make a gift to the sum of the NRB, it can cover you against the tax whilst enabling you to make the gift again after 7 years. Careful consideration of how tax affects gifts and trusts is required. Whilst your Will is to ensure your wishes are carried out, it is also good to consider the effect your choices are making and to make it as tax efficient as possible. You can consider protecting your assets for the benefit of those you care about.
Be in control. Be Certain
Trained by and Member of both Society of Wills Writers and Estate Planners & Society of Mediators
Supports living your best life
TIPI WILLS PICTORIAL SNAPSHOT