The Time and Tide Service

Services for older clients and their families
 
Overview

Our society is changing and people are living longer. Old age brings with it particular concerns and problems. In recognition of this, we have a dedicated team based at both our Stafford and Burslem offices specialising in advice and services for our older clients and their families.

There are various matters which tend to particularly affect older clients and we are able to offer a personal and sensitive service aimed to give you and your family peace of mind so that you can look forward to the future with confidence. Members of the team have a wide range of expertise and can give straightforward advice and practical help with many issues – financial as well as legal. There are many ways we can help, including:
 
Wills

Your Will might be the most important document you sign. By making a Will you ensure that your assets pass how you wish rather than letting the Government decide what happens on your behalf. Even if you have already made a Will, it is worth reviewing it with us regularly to make sure that it is up-to-date. Making or updating a Will is not expensive and it will give you peace of mind. For more details see our section on Wills.

Lasting Powers of Attorney

It is worth considering who would look after your affairs if you were ever to lose mental capacity. By making a Lasting Power of Attorney (LPA) you can stipulate who would be able to deal with your assets and in what circumstances. You can make an LPA dealing with your health and welfare even enabling a family member or friend to decide on medical treatment. By stating your wishes in advance you have the security of knowing who would look out for your best interests in the event that you were no longer able to do this for yourself. For more details see our section on Lasting Powers of Attorney.

Registration of an Enduring or Lasting Power of Attorney or an application to become a Deputy through the Court of Protection

Where a person is unable to deal with their own financial affairs then someone else must act on their behalf. If that person has made an Enduring Power of Attorney (EPA) or a Lasting Power of Attorney (LPA) then they will have named an attorney (or more than one) who should act on their, the donor’s, behalf. At the stage that the donor can no longer manage their affairs then the EPA or LPA should be registered with the Court of Protection. If there is no EPA or LPA then an application must be made for the appointment of a Deputy through the Court of Protection. You can rely on our understanding, integrity and long experience in these delicate matters. For more details see our section on Court of Protection.

Dealing with Financial Paperwork

We can ensure your financial affairs run smoothly by monitoring bank accounts and dealing with the payment of bills, tax returns and other paperwork. We can also act as Attorneys under Powers of Attorney or as Deputy’s appointed by the Court of Protection.

Financial Security

Many retired people rely on investment income, which can be a worry, particularly in inflationary times. We can put you in touch with reliable Independent Financial Advisors who can take this burden off your shoulders with expert advice and investment management. This can include not only pensions, but also annuities, life assurance, nursing home fees and capital release plans. This service is tailored to your wishes and circumstances, how much risk, if any, you are prepared to take, and your tax position.

Help with Benefits

Many people do not receive the benefits to which they are entitled. We are familiar with all of the grants and allowances available to older people and their carers, and can help you to claim your correct entitlement.

Planning Ahead

Should you, or one of your relatives or friends ever become unable to cope at home then you may find our help invaluable. We have firsthand knowledge of many of the homes for the elderly in the area, where we regularly visit our clients, not only to discuss their legal needs but also to help with any other problems.

Remember it is never too early to plan for the future!

Don’t leave it too late

We are often approached by concerned family members following a sudden illness, accident or other event. We are very often able to help, but sometimes it is too late, or the process is made much more stressful and costly. We very much urge our clients to be proactive and to take early action to put their affairs in order. If necessary, we can refer you to other specialists, for example accountants or independent financial advisers. We will work with those professionals to achieve your aims.

Home Visits

We recognise that our older or infirm clients may not be in a position to visit us at our offices. By prior arrangement we can meet with clients at home or even at hospital.