The law allows you to make decisions until the day you die, provided the decisions are lawful, of course. Whilst you have capacity you can give consent for others to make decisions on your behalf. But what happens if through accident, injury or illness you cannot give consent anymore? Who will make your decisions then? The common misconception is that it will be your Next of Kin, but this is not what the law allows, unless you have nominated them on a Lasting Power of Attorney and that document has been registered with the Office of the Public Guardian, part of the ministry of Justice.

There is a safety net in place, the local county council will take up the responsibility for your Health and Welfare and Property and Finance Decisions if you cannot.

If you would prefer your family or friends to make these decisions you can only do so with a registered Lasting Powers of Attorney in place.

7 Reasons to have a Lasting Power of Attorney.

You choose who makes decisions for you if you are incapable of making them yourself.

Your Will is not enough, it can only be actioned on death, not if something happens beforehand.

If you do not have a Lasting Power of Attorney and need it, you cannot get one retrospectively, instead you would have to apply for a deputyship order through the courts that is not only restrictive and time consuming but can cost in excess of £7000 with additional annual running costs.

Your next of Kin cannot make decisions for you if you cannot make them yourself, without being nominated on a Lasting Power of Attorney, even if they are your Spouse, Partner or children.

Your bank, financial advisor, pension company, Department of Works and Pensions, HMRC, telephone provider, Internet provider, council tax, gas, electric, water provider are all amongst the organisations that would demand to see a Lasting Power of Attorney before dealing with a 3rd party, if you lost capacity.

Every 90 Seconds someone is admitted into A and E in the UK with an acquired brain injury.

If you do not have a Lasting Power of Attorney and need it, the Court of Protection are likely to appoint someone from outside your family group to manage your affairs.

The number of people with dementia in the UK is expected to grow rapidly over the next several decades, according to Alzheimer’s Research UK. Age is one of the most significant factors for mental illnesses, such as dementia. Research also shows that 1 in 12 of UK adults aged above 65 years is diagnosed with some form of dementia.

What is startling is that 44 million people do not have a Power of Attorney, which represents 85% of the UK population. Another more than 40% do not know what this vital document is.

Don’t delay in putting a Power of Attorney in place. Let Centurion EPG lead the way. Simply complete our short contact form or give our experienced team of estate planners a call and let us help you.


You can write your own will but then again you can service your own car, grow your own fruit and vegetables and cut your own hair. Hiring a professional to write your Will helps you avoid common problems that could make your Will invalid when you die. Our team offer home visits where they can best advise you on larger issues including Lasting Powers of Attorney, inheritance tax planning and trusts.


One of the biggest benefits of a Family Asset Protection Trust is that the assets in the Trust bypass Probate, meaning that they inherit significantly quicker than in a standard will and without the asset attracting any probate fees. Unlike a Will which only becomes effective when you die, a Family Asset Protection Trust is effective while you’re still alive.

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