1 in 4 of us will require long term care at some point in our lives. If your clients have more than £23,250 in assets, they are liable to pay all the care costs, even if they have to sell your family home to do so. Indeed, the proposed change to legislation regarding care fees has now been postponed indefinitely, and these costs continue to be a considerable drain on family resources.

If your partner re-marries, everything you leave to them will become jointly owned with their new spouse. Have you considered what would happen if that new marriage breaks up? Or what if the marriage lasts and the new partner outlives your spouse?

In 2013/14 the tax raised £3.4 billion in inheritance tax. With simple Estate Planning you can reduce or possibly eliminate the tax your clients have to pay.

How can you protect your estate against Hostile Creditors e.g. Local Authorities for purposes of Long Term Care (LTC).

How can you be sure that it is the right time for your children to inherit. They may be facing bankruptcy,imminent divorce, or just be irresponsible where money is concerned.

How can you stop Social Services deciding where your children go; who would you like to care for them.

How can you protect your life assurance Trust from the five threats.

Where will the shares in your own company or your partnership end up.

Does your business SWOT analysis include Wills, cross-option agreements and Business Power of Attorney.