A LEGACY CREATORS TOOL

Understand the cost. Then plan for peace of mind.

Let us show you what NOT having an LPA would cost YOU personally. Then we'll help you create the LPA that will make sure it never happens.

We'll ask three quick questions about your money, then five about your family. By the end you'll know the real cost of not having an LPA plus a personalised LPA plan - just for you.

No email needed to start. Takes 3 minutes.

QUESTION 1 OF 8 — THE COST

What are your rough monthly outgoings?

Mortgage or rent, council tax, utilities, food, fuel. Roughly what hits your account each month.

£

Rough estimate is fine. UK average for a homeowner family is £2,000 to £3,500 per month.

QUESTION 2 OF 8 — THE COST

Roughly how much do you have in savings?

Cash, ISAs, easy-access savings. Not pensions or property.

£

Rough estimate is fine. This is what would be frozen if you lost capacity.

QUESTION 3 OF 8 — THE COST

Do you have a mortgage?

A missed mortgage payment hits your credit harder than a missed utility bill, so it matters for the cost calculation.

YOUR COST

This is what NOT having an LPA would cost you

Based on your numbers, here is roughly what 12 to 18 months without access to your money would look like for your household.

YOUR PERSONALISED COST
£0
during the Court of Protection wait
Court of Protection fees and legal costs£1,500
Bills your family fronts (5 months average wait)£0
Forgone interest on frozen savings£0
Credit damage and recovery£0
Insurance lapse£400
Plus £320 per year in OPG deputy supervision fees, every year after that. Forever.

Illustrative purposes only. This figure is an estimate based on the inputs you have given and current published Court of Protection and Office of the Public Guardian fees. It is not a forecast, and not legal or financial advice. Actual costs vary considerably by personal circumstances, and figures may change over time. For guidance specific to your situation, please contact us.

Now let's build the LPA that prevents this.

Build my plan →

QUESTION 4 OF 8 — THE PLAN

What's your situation?

This helps us suggest the right attorneys and decision-making structure for you.

QUESTION 5 OF 8 — THE PLAN

Who would you most trust to act for you?

List up to 4 people. Their name and relationship to you. Most people pick a partner, an adult child, or a trusted sibling.

QUESTION 6 OF 8 — THE PLAN

How should they make decisions together?

Only relevant if you have more than one attorney.

QUESTION 7 OF 8 — THE PLAN

When should your attorneys be allowed to step in?

This only applies to your Property and Financial Affairs LPA. The Health and Welfare LPA always activates only when you lose capacity.

QUESTION 8 OF 8 — THE PLAN

Which decisions do you want them able to make?

Most people choose both. It's also the cheapest per LPA.

YOUR PERSONALISED RESULT

Here's your number. Here's your plan.

Without an LPA

Your estimated cost

£0
during the Court of Protection wait
  • Court of Protection: £1,500
  • Bills your family fronts: £0
  • Forgone savings interest: £0
  • Credit damage: £0
  • Insurance lapse: £400
  • Plus £320/year OPG deputy fees ongoing
Your LPA Plan

Your personalised LPA

£334
one-time, active for life
12x less Your LPA plan costs that much less than the cost of not having one.
Let's get it sorted, £150 Or book a Free Legacy Review

Illustrative only. Figures are estimates based on the inputs you give and current published OPG and Court of Protection fees. Not a forecast, not legal or financial advice. Actual costs vary by personal circumstances.
Our LPA service covers England & Wales only. Scotland and Northern Ireland use different legal instruments. If you live there, please start with a Free Legacy Review and we will route you correctly.