Private Client

OUR SERVICE FOR YOU

Naomi Pinder has specialised for over 20 years in helping people in relation to Wills, Powers of Attorney, Lasting Powers of Attorney, Living Wills, Deeds of Gift, Trusts, Probate, Intestacy, administration of estates and inheritance tax, Deeds of Variation and Court of Protection.

 

Naomi is passionate about raising awareness about the legal consequences of death and loss of capacity to make decisions whether through dementia, stroke, illness or accident. Naomi has appeared on radio Merseyside and enjoys giving talks to communities in Liverpool.

 

Naomi is a dedicated solicitor and is a fully accredited member of Solicitors for the Elderly.

Making A Will

Making a Will can be daunting and Naomi will take care and time to guide you through the process.  Naomi’s experience in Wills and Probate enables her to advise you about the best way to achieve your wishes. Naomi will ensure that you understand fully the contents of your Will and that you are happy with everything before you sign it.  Some of our clients are too infirm to come into our office, and Naomi will see local infirm clients in their own home for no extra charge.  You decide where your Will is stored,  but we can look after it for you in our safe at no extra charge.

 

Making A Will Trust

Naomi will take details of your family and financial circumstances, who you would like to deal with your estate and manage any ongoing Trusts created in your Will.  Naomi will take time and care in discussing your concerns and her advice and guidance is tailor made to meet your individual circumstances.

 

Some people are concerned to protect assets in relation to the payment for care and to ensure that the children inherit after both parents have passed away. Some people have second families and step children or may be living together but they are neither married nor in a legal civil partnership. Naomi will discuss trusts, how they work and the advantages and disadvantages of each different option.

 

Choice Of Executors And Trustees

Family members can act as executors and trustees and if the estate is particularly complex or there are no suitable family members or for some other reason, Catherine Higgins Law can be appointed. The costs implications of appointing a solicitor trustee are explained and discussed to enable you to make an informed decision.

 

Costs

This area of work is carried out on a fixed fee basis and fees are agreed before work is undertaken. The cost of a Will is £175 + vat. This includes an appointment to take instructions and a separate meeting to check and sign your Will.  A more complex arrangement costs more and the cost is discussed and agreed before the work is carried out.

 

Probate, Intestacy And Administration Of Estates

Naomi spends time in working with families and beneficiaries in collecting information necessary to apply for Probate, dealing with any inheritance tax issues and to advise where there is no Will and the person has died intestate. In these cases, the law decides who deals with the estate and who benefits. Naomi is also able to administer the estate, produce accounts and distribute the estate.

 

Costs

Probate costs are a legitimate concern for the family and work is carried out in an efficient and cost-effective manner. As far as possible fixed fees are agreed before the work is undertaken and if the estate is particularly complex an estimate of the fees is provided and kept updated at regular intervals.

 

We don’t want any nasty surprises regarding costs at the end of the administration.

 

Planning For Potential Loss Of Capacity

An increasing number of people are giving serious thought to how to protect themselves and their loved ones in case they lose capacity (mental ability) to make decisions in the future. Naomi is very experienced in dealing with the legal aspects of planning for the loss of capacity through making Lasting Powers of Attorney, Living Wills and advanced care plans.

 

Lasting Powers Of Attorney (LPAs)

LPAs are very powerful documents as they give legal authority to your attorneys to make decisions on your behalf if you have lost capacity to make the decision at the time the decision needs to be made. Attorneys are under legal duties to protect and enhance your understanding and to act in your best interests at all times.

 

An LPA for property and financial affairs can be used to carry out your specific wishes when you have capacity, for example if you are abroad and wish to sell your house or if you have a physical condition affecting your ability such as loss of sight or broken limb.

 

An LPA for health and welfare can only be used if you lack mental capacity to make a particular decision at a time the decision needs to be made.

 

Naomi will take time to take full details of your family circumstances and discuss the people you are able to appoint to make decisions about your property and financial matters and your health and welfare.

 

Choice Of Attorneys

Attorneys can be family members, more than one can be appointed, there are different ways in which they need to make the decisions and replacement attorneys can be named. The combination of your attorneys can be different in your financial LPA and your health LPA.

 

Naomi will spend time discussing the ramifications of the appointments and how they will work in practice. Naomi will advise you about the legal duties which bind your attorneys, including the duty to keep accounts, the rules about making gifts and the role of the Office of the Public Guardian.

 

If you do not have anyone suitable to appoint as your attorney, in certain circumstances, Naomi and Catherine Higgins would be able to carry out these duties. Solicitor-attorneys are under a very high duty of care and we would discuss the practical and costs implications to enable you to make a considered decision.

 

Costs

This area of work is carried out on a fixed fee basis and fees are agreed before work is undertaken. The cost making LPAs for financeandhealth is £500 + vat. There is also a registration fee of £82 for each LPA making a total of £164.   In other words, the total cost of making both LPAs is £764. (You may be exempt from the registration fee depending on your financial circumstances).

 

Court Of Protection

A person may lose capacity to manage their affairs and have not made an LPA. In these cases, the person’s finances are frozen and an application must be made to the Court of Protection for a Deputyship Order. This Court Order provides legal authority to a named person or persons to manage the affairs of the person who has lost capacity under the auspices of the Court of Protection.

 

Naomi has wide experience in these matters and will be pleased to help in connection with the application to the Court and any related matters which may arise.

 

Costs

The costs are fixed by the Court and are £950 + vat. There are also other expenses including the court fee, insurance premium and the doctor’s fee for issuing the medical report.

 

Planning For The Future Series

Naomi has spent time in developing a series of life planning documents which she will discuss and give to you. They are designed for you to provide relevant and up-to-date information to help your attorneys to act in your best interests if you lose capacity. There is no additional charge for these important documents.

 

Naomi will be pleased to answer any questions and please telephone her on 0151 428 2472 or send an e-mail to naomi@chigginslaw.co.uk.

 

We look forward to hearing from you and working together to achieve your wishes.

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