How to make your Financial LPA online
A Property and Financial Affairs LPA lets people you trust manage your money and property for you: paying bills, running bank accounts, dealing with pensions or benefits, even selling a home if needed. With A.D.E Wills, you make it through a video appointment with a professional estate planner. We prepare the LPA, act as your Certificate Provider and register it with the Office of the Public Guardian (OPG), so it’s ready to use.
Step 1: Book your appointment
Fill in the form on our website or give us a call, and we’ll find a time that suits you. Your instructions appointment can be online by video, with a telephone option as backup. If you’d like both a Financial and a Health LPA, we cover both in the same appointment.
Step 2: Your appointment
We’ll talk through each decision with you:
- Your attorneys: the people you choose to make decisions for you. They need no legal knowledge, but they must be over 18 and should be people you trust and know well, such as your spouse, partner, children or a close friend. There is no legal limit on how many you appoint.
- How your attorneys decide together: if you appoint more than one, they can act jointly and severally (together or on their own), jointly (always together), or jointly for some decisions and jointly and severally for others. Jointly and severally is the most common and the most practical: your LPA still works if one attorney is away. If attorneys who must act jointly can’t agree, the decision can’t be made, which can make an LPA unworkable.
- Replacement attorneys: people who step in if an original attorney dies, loses capacity, chooses to stop acting, was your spouse or civil partner and the relationship has legally ended, or becomes bankrupt or subject to a debt relief order. A replacement can’t stand in temporarily, for example while an attorney is on holiday.
- When your attorneys can act: a Financial LPA can be used as soon as it’s registered, with your permission, even while you still have capacity. That helps if, for example, you find it hard to get out or you’re away. Or you can choose that it’s only used if you lose capacity.
- People to notify: up to five people who know you well and would raise concerns if they thought you were pressured or that fraud was involved. They’re told when the LPA is about to be registered and don’t need to do anything unless they have concerns.
- Preferences: things you’d like your attorneys to bear in mind, worded with “prefer” or “would like”. Your attorneys don’t have to follow them.
- Instructions: things your attorneys must do, worded with “must” or “have to”. If you have investments managed by a bank or investment manager and want that to continue, your LPA needs a specific instruction, and we’ll word it for you.
Anything you’re unsure about, we’ll explain in plain English.
Step 3: Signing
An LPA must be signed in the right order to be valid: you first, then your Certificate Provider, then your attorneys and any replacements. The signing itself must be done in person. With our Full Service we attend and witness it for you. With Self-Sign, you sign at home and post it back.
Step 4: Registration
Once everything is signed, we register your LPA with the OPG. The OPG checks it has been made correctly and returns the registered LPA, ready to use.
What it costs
Online LPAs start from £340 for Self-Sign or £480 for Full Service, at a fixed fee agreed before any work begins. All prices exclude the OPG’s £92 registration fee per LPA, which is paid directly to the OPG.
Get started
Book a free 15-minute call or request a call back, and we’ll take it from there.
