Incapacity planning

Appoint someone you trust to protect your interests if you ever lose capacity.

You are capable of making your own decisions today – but none of us can guarantee that will always be the case. An illness, an accident, or simply the effects of age can leave you unable to manage your own affairs at the moment your family needs clarity most. Without the right appointments in place, those decisions do not pass to the people you trust – they pass to the government. We help you put in place the legal framework that ensures someone you have chosen can step in immediately and act in your interests, without delay and without interference.

Taking control of who makes decisions for you

An enduring power of attorney and enduring guardianship appoint people to make financial and personal decisions on your behalf if you lose mental capacity. Without them in place, your family must apply to a government tribunal for authority to act – a process that is slow, uncertain, and may not result in the appointment of the person you would have chosen. We help you make these appointments on your terms, before they are needed.

What is an enduring power of attorney?

An enduring power of attorney is a legal document in which you appoint a person (called your attorney) to make financial and legal decisions on your behalf. The ‘enduring’ element means the appointment continues to be effective even if you lose mental capacity. This is the critical distinction: an ordinary power of attorney ceases when you lose capacity, which is exactly when you need the protection most. An enduring power of attorney can be drawn broadly to cover all financial and legal matters, or limited to specific transactions or circumstances. It is one of the most important documents you can put in place as part of a comprehensive estate and incapacity plan.

What happens if I lose capacity without an enduring power of attorney?

Without an enduring power of attorney in place, no one has the automatic legal authority to manage your financial and legal affairs when you lose capacity. A family member who wishes to act on your behalf must apply to the relevant state tribunal for a financial management order. This process takes time, involves cost, and may not result in the appointment of the person you would have chosen. Until an order is made, important financial decisions – including paying bills, managing investments, or continuing to operate a business – cannot be made by anyone other than a tribunal-appointed manager.

What is the difference between an enduring power of attorney and enduring guardianship?

An enduring power of attorney deals with financial and legal decisions – managing your bank accounts, investments, real property, and business affairs. An enduring guardianship (or appointment of enduring guardian) deals with personal and lifestyle decisions, including medical treatment, accommodation, and day-to-day personal matters. The two documents cover different domains, and it is important to have both in place. You may appoint the same person or different people to each role, depending on who in your life is best placed to handle the relevant decisions.

Can I limit what my attorney or guardian can do?

Yes. Both documents can be drawn with conditions or limitations that restrict the scope of authority your appointed person holds. You might limit when the appointment takes effect, what categories of decision your attorney can make without specific authorisation, or require your attorney to consult with other family members before making significant decisions. The right level of restriction depends on your personal circumstances and the level of trust you have in the people you are appointing. We advise you on what limitations make sense and ensure the documents are drafted to reflect your intentions precisely.
Coins Streamline Icon: https://streamlinehq.com

Protect your interests from government interference

Users Streamline Icon: https://streamlinehq.com

Ensure continuity across your business and financial life

Thumbs Up Streamline Icon: https://streamlinehq.com

Give your family certainty

Ready to protect your future?

Speak with one of our experienced lawyers about putting the right appointments in place before they are needed.

Who will make decisions for you if you cannot make them yourself?

You need to appoint people you trust to make financial and personal decisions for you if you become incapacitated. Without those appointments in place, the government steps in – and the wrong person may end up making decisions about your life and your assets.
Family business succession

The world should not rest entirely on your shoulders.

You are someone other people depend on – for financial decisions, for business continuity, for the stability of your household. Right now, that is not a problem. But you know that the absence of proper incapacity planning is not just a theoretical risk – it is a certainty that, without action, will one day create a crisis for the people who rely on you.

An accident or sudden illness, and suddenly no one has legal authority to access your accounts, continue your business operations, or make medical decisions on your behalf. Your family is left scrambling, applying to a government tribunal, and potentially watching strangers make the most important decisions about your life.

What's included in your incapacity planning service

Leaving things to chance is not an option.

When someone loses mental capacity without having made enduring power of attorney and guardianship appointments, the consequences for their family are immediate and significant.

A spouse cannot access joint bank accounts if the other account holder is incapacitated and no authority is in place. A business partner cannot execute contracts on behalf of an incapacitated director without proper documentation. Medical decisions that should be made by the person closest to the individual are instead made by clinicians following protocol, or referred to a government guardian.

Applications to the relevant tribunal take time, cost money, and may not result in the appointment of the person the individual would have chosen. By the time the authority is granted, the damage is often already done.

How we protect your future decision-making

We take the time to understand your specific circumstances – your family structure, your business interests, the complexity of your financial affairs, and the decisions that would need to be made if you could not make them yourself.

We advise on who should be appointed for which role, what powers they should hold, and whether any limitations or conditions on those powers make sense for your situation. We prepare enduring powers of attorney, enduring guardianship, and any other instruments needed to ensure continuity across your personal, financial, and business life.

By the time the documents are executed, the people you trust have the authority to act the moment it is needed – without delay, without a government application, and without uncertainty.

Your path to peace of mind

Three steps to protecting your future decision-making.

1

Discuss your circumstances

We take time to understand your family structure, business interests, and what decisions would need to be made if you became incapacitated.

2

Advise on your appointments

We advise on who should hold what authority, what powers they should have, and whether any limitations make sense for your situation.

3

Prepare and execute

We prepare enduring powers of attorney, enduring guardianship, and any other instruments needed to ensure continuity across your personal and financial life.

Experienced estate planning lawyers ready to protect your future.

We understand how critical your decisions are to the ongoing stability of your family and your business – and we understand that you want those decisions to continue to be made by people who know your circumstances, your values, and what you would actually want. Not by a government official who has never met you.

We have helped business owners and investors put in place comprehensive and robust incapacity planning arrangements across a wide range of personal, financial, and business circumstances. Our lawyers include Accredited Specialists in Business Law and Fellows of the Society of Trust and Estate Practitioners.

Coins Streamline Icon: https://streamlinehq.com

We understand you want to know the cost, before we get started.

We will map out our process, from beginning to end, so you know what the journey will look like before you get started.

We will provide you with a clear and detailed Work Proposal covering each step along the way.

Our fair fees are all-inclusive. No hidden costs for telephone calls, emails, photocopying, couriers, or coffee.

Our great lawyer guarantee

We want to be part of your team over the long term. We achieve this by adhering to these core principles:

Sparkles Streamline Icon: https://streamlinehq.com

Take the time

We listen carefully to understand what you want to achieve. Then we thoroughly explain our advice and step you through the documents. You can be sure you know the full consequences.

Book Open Streamline Icon: https://streamlinehq.com

Share our knowledge

We will pass on as much knowledge as we can, so you can make your own informed decisions. We want to make you truly independent.

Thumbs Up Streamline Icon: https://streamlinehq.com

Stick to our knitting

We only do what we're good at. You can be confident that we know what we're doing and don't pass on the cost of our learning.

Users Streamline Icon: https://streamlinehq.com

Work as one team

Someone will always be available to answer your questions, or point you in the right direction. You will also benefit from a range of perspectives and experience.

Coins Streamline Icon: https://streamlinehq.com

Fair pricing

For advice and documents, we provide a fixed or capped quote so you don't take price risk. If you're in a dispute, we map out the process and costs so you know what to expect.

Award Streamline Icon: https://streamlinehq.com

It's your show

We're not in this for our egos. We're in it for a front row seat to witness your success.

Take the first step

Let us help you put in place arrangements to ensure your affairs continue to be managed by the people you trust, whatever the future holds.

Related articles