Who Speaks for You When You Can’t?
The Free LPA Guide from Real Money Guide
👋 Why This Matters
We plan for weddings, homes, and holidays — but most of us never plan for what happens if we can’t make decisions ourselves.
A Lasting Power of Attorney (LPA) isn’t about losing control.
It’s about keeping it.
If illness, accident, or age ever made it hard for you to manage your finances or health, an LPA lets someone you trust step in and act for you — without delay, cost, or court intervention.
💬 “We call it the power of choice — because it’s the one legal document that lets you choose who speaks for you when you can’t.”
🧩 What an LPA Actually Does
There are two types of LPA:
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Property & Financial Affairs – for money, bills, property, and accounts.
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Health & Welfare – for care, medical treatment, and daily life decisions.
You can have one or both.
They only come into force if you can’t make your own decisions — and they must be registered with the Office of the Public Guardian (OPG) before they’re valid.
Without an LPA:
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Banks can freeze joint accounts.
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Families can’t access savings for care costs.
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Doctors must follow default protocols, not family preferences.
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Court delays can take 6–12 months and cost thousands.
🚫 Why “Free” or £99 LPAs Can Be a Costly Mistake
It’s tempting to go cheap — after all, the forms look simple online.
But a single wrong word or missing signature can make an LPA invalid.
“Free wills” or £99 online LPA offers often:
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Miss the second LPA (health & welfare).
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Don’t register with the OPG — leaving families stranded when needed.
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Use generic wording that doesn’t match real family or financial situations.
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Provide no checking, guidance, or peace of mind.
⚠️ The biggest cost isn’t the fee — it’s the delay, confusion, and family stress when a bad LPA fails.
💚 How Real Money Guide Helps You Get It Right
We make the process clear, personal, and complete:
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Free Discovery Chat – a 15-minute call to understand your situation.
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Personalised LPA Pack – professionally prepared and checked, with clear signing guidance.
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Registration Support – we handle or guide the OPG registration so it’s watertight.
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Peace of Mind Storage – digital or printed copies safely held for your family if needed.
You choose how involved we are — but every LPA we support is designed to work when it matters.
🌟 Who We Work With
We help:
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Couples and families who want clarity and control.
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Busy professionals sorting their parents’ affairs.
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Retirees who’ve “meant to do it for years.”
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Community partners and charities supporting vulnerable clients.
We believe being really sorted isn’t just about money — it’s about confidence that your wishes will be respected.
🪄Ready to Get Really Sorted?
👉 Book your free LPA chat at realmoneyguide.co.uk/LPA
or call 0203 633 9545
💬 Real Words from Real Clients
“I’d put this off for years. Roger and the team made it so easy and human — no jargon, no pressure.”
— Susan, Canterbury
“I thought an LPA was only for the elderly, but after my husband’s stroke I realised how wrong I was. I’m so grateful this guide made me act in time.”
— Helen, Whitstable
“We’d tried doing it online and got totally stuck. Real Money Guide explained everything and sorted it quickly — worth every penny for the peace of mind.”
— James & Margaret, Maidstone