The Co-op Estate Planning Team speaker will give a talk that will provide a light-hearted presentation in an interactive way which will cover in more detail the following:

Protecting your home and savings - 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. Care fees can have a significant effect on this, and we’ll explain how it works and what steps you can take to protect your estate.

Inheritance tax – “Only two things in life are certain… death and taxes”. We can’t help with the former, but when it comes to Inheritance Tax, we can help explain how people can be impacted, and some simple steps to take that may reduce the burden.

‘Sideways disinheritance’ and blended families - Re-marriage of a surviving spouse can inadvertently result in the new husband/wife inheriting everything, whilst the children from the first marriage get nothing. And with blended families being commonplace today, its never been more important to take steps to ensure your chosen beneficiaries inherit. We’ll explain how.

Discretionary Trust – Ensure that your vulnerable person is protected and looked after once you have passed away. If a vulnerable person inherits a large sum of money or property it can then affect the benefits that they receive, by setting up a Discretionary Trust for your vulnerable person you can ensure that their inheritance is managed by someone you trust who would follow instructions you have left for them within the Trust. If a Trust is not in place your vulnerable person could inherit an estate and have their benefits stopped and be left to manage an estate which could be overwhelming and even unmanageable for them.

Lasting Powers of Attorney - 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, thinking about this now and planning ahead will remove the burden from your family and help reduce the stress and cost to your family at a very difficult time.

The speaker will introduce the above issues and explain what steps can be taken to plan for the future.

Talk Date 22nd September 2026. Topic – ‘Tax, Care and Toy Boys’