Are you in the Minority or the Majority?

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Are you a parent of young children – or are you a grandparent or Aunt, Uncle, or God Parent of young children?
If so please read this now and make sure the parents of these children take action NOW!!!!!

Appoint a guardian

If you have children under the age of 18, you may want to consider appointing a guardian for them in your Will in case you die before they reach the age of 18. This allows you to choose someone you approve of to take care of your children, giving you peace of mind.

Guardians may only be appointed for children who are under 18, known as ‘minors’.

If you fail to appoint a guardian for your child and both you and the child’s other parent die, the Court will typically have to appoint a guardian and this may not have been the person you would have chosen yourself.

If the courts deem there is no one suitable your children could end up being taken into care – with someone they and you don’t even know.

Financial provision

If you appoint guardians for your minor children, who will pay for their upkeep? Many parents deal with this issue by including a provision in their Will that their ‘residuary estate’ – that is, the amount of money left after all debts and expenses has been paid – should be held ‘on trust’ for the children. This means that the money is held safely for the children until they reach a certain specified age – usually 18, 21 or 25.

The trustees – those who look after the money for the minor children – usually have the power to make some of the money available for the children’s benefit before they are entitled to it. They could, for example, pay school fees for a child directly to the child’s school, or to the child’s guardian to use for the child’s benefit.

Now look at your current situation – what does your will say? Have you made provision for a Guardian for your children?

Have you made provision for their financial up keep- money for the Guardians to fund the extra expense – this may involve the guardians having to extend their home to fit your children in – or even moving home. They made need to get a bigger vehicle to accommodate the extra children.

All these things need to be taken in to account.

Are your children in Private School – do you want that to continue should you not be here?

Do you even have a will – the chances are you don’t. 2/3rds of people don’t and the ones that do the wills are so poorly drafted they need to be rewritten anyway.

Don’t worry though – no will means the Government has written one for you – its below for you attention…

LAST WILL AND TESTAMENT
To My Family
I hereby leave you all several months, possibly years, of financial hardship and expense, whilst you go to the unnecessary lengths to sort out my affairs
To my Spouse / Partner
I hereby leave you some (but probably not all) of what I own
To my Children
I hereby leave you the remainder of my estate and give you the authority to enforce the sale of any part of it  (including the family home) to realise your inheritance
To Social Services
If my Children are orphaned, I give you the authority of Guardianship and the power to choose who shall look after them, including allocating them to foster parents
To the Tax Man
I hereby leave you all the tax that I could have avoided and given to my family
To my Bank and/or Solicitor 
I hereby authorise you to charge whatever you feel necessary, to sort out the mess that i have left behind. I realise that this could make you one of the major beneficiaries of my estate 
To everyone else
I leave you nothing
Watch the video below and then Apply Today to get your affairs in order

getasecondopinion.co.uk/contact

“It’s never too early – but it’s often too late!!!”

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