Free Advice Clinic for Social and Community Groups
CLS are offering free advice clinics on a range of subjects for social and community groups. They can offer practical advice on things such as protecting your family’s nest egg, inheritance tax, the importance of creating/updating your will and planning for life as an older person.
Protecting your family’s nest egg– For many people, one of the biggest worries as they grow old is being able to give their family a helping hand and make sure that when they die, what they have worked all their life for goes to the people they love the most. Sadly, as you grow old, you have to pay for many things that you have once done yourself. And these things, such as help at home, getting around and care fees, can soon make a big difference to that nest egg. We can give practical help and advice on how to protect as much of your wealth as possible for future generations.
Inheritance tax – There may be ways of putting a protective arm around your wealth which help to reduce the burden of Inheritance Tax for future generations. We can help to make sure that you make the most of tax allowances and tax planning opportunities.
Stopping ‘sideways disinheritance’ – Re-marriage of a surviving spouse after the first death of a couple can result in the new husband/wife inheriting everything, whilst the children from the first marriage get nothing. Our advice can help protect the family home and savings for future generations and go to the children and grandchildren.
Lasting Powers of Attorney – As we continue to live longer, a large number of us will suffer from dementia and lose the capacity to look after ourselves. No one wants to think about what will happen if they become unable to make decisions themselves through illness, an accident or old age. However doing so now and having LPAs in place will remove the burden from your family and help reduce the stress and cost to your family at a very difficult time.
Why is the talk free?
The purpose of ‘Championing a better way of doing business for you and your communities’ is that it encourages us to think of ways we can help members of our local community, and we’ve found providing information and advice on later life issues by talking to groups like yours has been extremely well received. Whilst our message is serious, our delivery is informal, humorous and delivered in plain English, and we don’t charge a fee for our talk. I hope this is of interest and look forward to speaking to you further.
If you would like more information, or to arrange a talk, please contact Charissa Malpass
Call: 0114 2300 265 ext: 274
Email: charissa.malpass@coop.co.uk
CLS is an integral part of the Consumer Services Division of the Co-operative Group, which includes General Insurance and Funeralcare. CLS was established in 2006 and in 2012 it became the first major consumer brand to be granted alternative business structure (ABS) status under the new Legal Services Act.