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Lifetime Planning

Life­time plan­ning as a con­cept is noth­ing new. How­ev­er, it is rarely con­sid­ered across the spec­trum of pro­fes­sion­al ser­vices, usu­al­ly to the detri­ment of the client.

The idea behind the con­cept is that when we are advis­ing on key legal con­sid­er­a­tions through­out your life­time, we also prompt you to con­sid­er non-legal fac­tors at the same time, either through one of our pre­ferred part­ners, or through your own con­tact. This ensures your whole needs are con­sid­ered in advance of key life events.

The oth­er main point, which is demon­strat­ed by the below table, is that this con­cept is not age spe­cif­ic. For exam­ple, the com­mon mis­con­cep­tion is that a Will is only required after a cer­tain age. This is obvi­ous­ly incor­rect as a per­son could die at any age in life & with­out an ade­quate Will, mean­ing their wish­es could be ignored & their assets would pass under the rules of Intes­ta­cy. By reg­u­lar­ly & con­sis­tent­ly con­sid­er­ing your needs, we will mutu­al­ly ensure you have effec­tive life­time plan­ning in place. 

Age Range Under 35
Legal Services Wills (unmarried coupes with houses/ First time buyers/Guardians for children)
Declaration of Trusts
Related Services Protection - life insurance, income protection, and critical illness
Pension planning
ISAs - NISA, Junior, Help to Buy, Lifetime
Mortgages
Age Range 35–45
Legal Services Wills (focusing on guardians/second marriages/children from previous marriage)
Trusts in wills for children
LPA for business owners
Declarations of Trusts
Advice for attorneys/deputies
Wills for business owners
Related Services Protection - life insurance, income protection, and critical illness
Lifetime Cashflow modelling
Pension planning
Mortgages
Investment planning
Protection for business owners - Key person protection, relevant life cover, shareholder, directors loan
Age Range 45–65
Legal Services Wills (Again focusing on second marriages/protecting children from previous marriage)
IHT Planning
LPAs
Trusts
Guidance for attorneys/ deputies
Probate
Related Services Protection - life insurance, income protection, and critical illness
Pension planning
Investment planning
Lifetime Cashflow modelling
Whole of Life Protection - IHT
Trust Planning
Age Range 65+
Legal Services Wills
LPAs
Management of Finances
Care planning
IHT Planning
Probate packages
Trusts
Selling residential property to fund care
Attorney, Executor & Deputyship services
Related Services Pension (drawdown, IHT, children/grandchildren)
Investment planning
Lifetime Cashflow modelling
Tax efficient drawdown of assets
Whole of Life Protection - IHT
Trust Planning
Funeral Planning
Generational planning
Care Planning
Age Range Legal Services Related Services
Under 35 Wills (unmarried coupes with houses/ First time buyers/Guardians for children)
Declaration of Trusts
Protection - life insurance, income protection, and critical illness
Pension planning
ISAs - NISA, Junior, Help to Buy, Lifetime
Mortgages
35–45 Wills (focusing on guardians/second marriages/children from previous marriage)
Trusts in wills for children
LPA for business owners
Declarations of Trusts
Advice for attorneys/deputies
Wills for business owners
Protection - life insurance, income protection, and critical illness
Lifetime Cashflow modelling
Pension planning
Mortgages
Investment planning
Protection for business owners - Key person protection, relevant life cover, shareholder, directors loan
45–65 Wills (Again focusing on second marriages/protecting children from previous marriage)
IHT Planning
LPAs
Trusts
Guidance for attorneys/ deputies
Probate
Protection - life insurance, income protection, and critical illness
Pension planning
Investment planning
Lifetime Cashflow modelling
Whole of Life Protection - IHT
Trust Planning
65+ Wills
LPAs
Management of Finances
Care planning
IHT Planning
Probate packages
Trusts
Selling residential property to fund care
Attorney, Executor & Deputyship services
Pension (drawdown, IHT, children/grandchildren)
Investment planning
Lifetime Cashflow modelling
Tax efficient drawdown of assets
Whole of Life Protection - IHT
Trust Planning
Funeral Planning
Generational planning
Care Planning
Elderly Couple

Why JBGass

We are an award win­ning firm spe­cial­is­ing in prop­er­ty & pri­vate client mat­ters. Our lawyers are spe­cial­ists in their eld & we believe that a per­son­al and hon­est approach is essen­tial for all Solic­i­tors, matched with a high lev­el of communication.

Our firm has been in oper­a­tion since approx­i­mate­ly 1914, a tes­ta­ment to our longevi­ty and abil­i­ty to adapt to cul­tur­al and eco­nom­ic changes. Despite our age, we are run as a mod­ern busi­ness with the aim of pro­vid­ing excep­tion­al ser­vice, which is tai­lored to our clients’ spe­cif­ic needs and requirements. 

Our com­mit­ment to high lev­els of ser­vice are evi­dence by our three Law Soci­ety accred­i­ta­tions, which involve con­tin­u­al mon­i­tor­ing & annu­al exter­nal assessments. 

"By regularly & consistently considering your needs, we will mutually ensure you have effective lifetime planning in place”

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