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Tipi Wills & Planning
Planning with Power
Overcome barriers of Cost, Time and Conflict
Unique blend of Expert Wholelife Planning Services
for the Isle of Wight & Hampshire
and serving all England's Counties
Tel: 01727807169
Trained by & member of both Society of Will Writers and Estate Planners and Society of Mediators
​FULL 100% VIRTUAL OFFICE FOR ALL SERVICES
Keeping on living our lives to the full
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Supports Living your best life.
Specialising in complex family frameworks. Providing solutions to overcome barriers that prevent planning and agreement
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Empowered To Talk
Facilitating Agreement. A local and national centre offering a variety of mediation and the NEW Empowered to Talk premediation. We facilitate solutions over a wide range of situations from legal to difficult decision making. This includes problems & disputes around Wills and contentious probate resolution, Civil & Commercial Mediation for a wide range of conflict. claims, medical decisions or disputes
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TIPI WILLS PICTORIAL SNAPSHOT
Site kept under frequent updates
Our virtual office can be 100% online The beauty of using technology (eg email and 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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Tipi Wills & Planning
"An Englishman's home is his castle"
Edward Coke 1604
Whether its a tipi or a castle it's your home
We are pleased to announce the formation of Isle of Wight Mediation to focus on a wide range of Resolution Services. Our name is changing to Tipi Wills & Planning. Its unique combination of services for planning and mediation combined remains
The content, concepts and planning services in these websites and used by this business are strictly the creation of and the property of Patricia Horwood trading as Tipi Wills & Planning & Isle of Wight Mediation
Not yet mobile phone adapted website
WILLS AND MORE
Lasting Power of Attorney
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There are two main types usually used, one for decisions over health matters and one for handling financial matters.You may have a BPLA too to protect business.
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 using "Isobel's Conditions" to guide you when making your Health LPA document. It is as a result of a true story and one most of us would be familiar with in one way or another. It encourages the use of certain clauses for protection. It requires an Attorney to seek further consultation and support in the making of certain decisions to protect both the client and indeed the Attorney. Many do not realise that these are available and so do not use them. We encourage the use of a basic set of clauses and consider further protections. If she had used these clauses, she would have been further protected and so would the Attorney.
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Property and Financial LPAs allow another person wide powers to manage your finances and property. This may be because you need help such as in the case of illness or such as when you travel which may be temporary, in which case a simple General Power of Attorney may be used.
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A BLPA, a Business Power of Attorney may also be put in place and is more necessary that you may think. Not doing one and opening the business up for damage can cause your estate to be sued for damages. Click here for more information. (page currently being written)
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Lasting Power of Attorney for health 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. Mental Health Act is very strict on this matter. You may leave instructions and wishes for an Attorney via an Advance Care Plan, an Advance Directive/Living Will and a Letter of Wishes. (Registration time has risen to 20 weeks (2023 reported 2024). Please plan well in advance of when you may need and register well ahead. You can revoke at any time).
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You dont plan for accidents and illness to 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 as well as distressing. Ease that burden on your family, prepare an LPA when you are fit and strong. Anyone can do an LPA once over 18, and it is advisable to consider 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 and including certain types of trust clauses, 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
Lasting Powers of Attorney are not used nearly widely enough and could avoid a host of problems and disputes if put in place. It is widely believed they are a simple one page document handing over all power, but they can be as complex as any Will with a wide range of clauses and requests. They stipulate what you would expect from your attorney rather than leaving it to chance or trust. You are handing over wide ranging powers and must be protected as much as possible as must your Attorney who can find themselves in difficult positions at times.
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A BLPA, a Business Power of Attorney may also be put in place and is more necessary that you may think. Click here for more information.
" 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 there are circumstances in which you would wish to refuse life sustaining treatment you must create the document to be witnessed and signed as a formal document. Otherwise, you can stipulate directions if you are unable to communicate due to an accident, severe illness, dementia or coma and it is wise to consider who would be your healthcare attorney. 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.
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The perfect place to store all of this information and your legal documents for easy access to your essential information by healthcare professionals and family is your Advance Care Plan folder (excluding your Will but a note of where it is should be made)
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 can be transferred from a 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.