Get a helping hand to sort out financial and legal issues 

Bespoke legal advice from Rothley Law can make it easier to get things in place as you age – and your family will be able to focus on happy memories, rather than paperwork.

Later life is a time for winding down – but it’s also the time to get legal issues sorted out if you haven’t already done so.

Not only will it make things much easier for your family when you’re gone or no longer able to deal with your own affairs, it means that your loved ones will find that everything is in place, with family wealth safeguarded as far as possible. Rothley Law can help you with both your own personal financial affairs and help you look after older relatives, too.

Here are just some of the ways they can help.


Written in partnership with Rothley Law.

Happy grandchildren and grandparents using a tablet in living roomCredit: Ground picture/Shutterstock

1. Estate planning and disputes

Know that your assets will be passed on according to your wishes

Disputes about wills, trusts and estates have grown in recent years due to increasingly complex family structures and people generally being more aware of their legal rights and how to exercise them.

The best way to stop your estate being the subject of a legal dispute after you’ve passed away is to have an up-to-date will in place. You might have a will already but it’s important to review any existing document after major life changes such as separation or divorce, remarrying, or being blessed with (more) grandchildren.

Trusts often offer a tax-efficient option for your estate and passing wealth to your descendants. They have other uses, too, such as supporting someone who can’t manage their money or making sure that your own money is used to fund any care you need in later life.

You may also want to set up a Lasting Power of Attorney (LPA), which you can do at any age. An LPA is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or want to.


Without the correct documentation such as a will, trust or LPA, your wishes may not be legally binding. The right paperwork also reduces the risk of conflict between your loved ones after you pass away.

If you need to dispute someone else’s will, you should take legal advice. Experts at Rothley Law can examine the validity of wills and advise on reasonable financial provision pursuant to the Inheritance (Provision for Family and Dependants) Act 1975. Their solicitors can also help resolve disputes between will executors and trustees and pursue professional negligence claims in will preparation or estate administration.

2. Support with the Court of Protection

Making the best decisions for vulnerable people

The Court of Protection is a court that deals with decisions or actions taken under the Mental Capacity Act. It deals with the affairs of the most vulnerable in our society, regarding decisions in two areas: property and financial affairs; and health and welfare.

The court can appoint a deputy to step in and make decisions where a person lacks capacity to make decisions for themselves. Rothley Law can help with the appointment of a suitable deputy – or act as a “professional deputy”.

Rothley Law has a specialised team that are experts in property and financial affairs, covering issues like adapting a property to fit bespoke needs, arranging payment for care fees and dealing with personal injury compensation. The team regularly deals with dementia and other age-related health issues, and you can be sure your situation will be handled sensitively and professionally.

3. Mis-sold pensions and investments

Have you been sold an unsuitable financial product?

The past few years have seen an increase in the number of cases of pension or investment mis-selling.

You may have been mis-sold a self-invested personal pension (SIPP) if you didn’t have sufficient investment experience or the returns from the SIPP were exaggerated. Investments may have been mis-sold if the adviser didn’t sell you an investment product that suited your needs or attitude to risk. For example, some people have been mis-sold carbon credits and overseas property.

If you think you’ve been mis-sold an investment opportunity, Rothley Law can help you raise a dispute and seek compensation.

Row of period cottages in Abbotsbury in DorsetCredit: Alexey Fedorenko/Shutterstock

4. Stamp duty rebates

You may be overpaying or exempt

Stamp duty land tax (SDLT) can be a substantial cost when you buy a property.  Although evading stamp duty (or any other tax due) is illegal, there may be circumstances where you overpaid SDLT or qualified for an exemption in retrospect. This means you may be eligible for a stamp duty refund.

For example, you may have purchased a rundown cottage without basic amenities such as heating or water – this would make it uninhabitable, which would mean you qualify for a stamp duty exemption.

Alternatively, if you downsized to your dream retirement home by the sea while you still owned your family home, you’d have paid a 3% stamp duty surcharge. But this doesn’t apply if the seaside property became your main home within three years, and you sold your family home. In this scenario you’d be able to claim the surcharge back from HMRC.

For help and advice, contact Rothley Law

Solicitors at Rothley Law can help with a raft of legal complexities that many of us face as we age, and also those we encounter when our loved ones develop dementia or other health conditions or pass away. Our caring team of experts can support you through some of life’s toughest times and help you make informed decisions about your own, and your family’s, finances.

Visit or call 0330 016 9200 for more information on all legal aspects of your personal financial affairs.


Written by an Exceptional journalist, in partnership with Rothley Law. The content was written in response to a brief and fact-checked by our commercial partner.

Written by Emma Lunn she/her


Emma Lunn has been a personal finance journalist for 19 years. Her portfolio of work includes publication in national newspapers such as The Guardian, The Independent, The Daily Telegraph and The Sunday Times, specialist financial publications including Moneywise, Moneyweek and Mortgage Strategy, and personal finance websites such as, Forbes Advisor and Emma prides herself in explaining complex subject matter in a way that’s easy to read and simple to understand.

Emma is particularly interested in helping people manage their day-to-day finances, leaving them more money to spend on luxuries such as adventure travel (her personal passion).