AS people grow older, some become incapable of making crucial decisions. The onset of dementia is probably the most common scenario where an older person needs help. But thanks to the 2005 Mental Capacity Act, it is now easier for somebody else to make life-changing decisions on your behalf. It is a complex area, which we try to simplify and explain in this section…

IT is not the happiest of subjects to think about, but death is one of the few great certainties in life.

Failing to make a will can leave your loved ones wading through a trail of red tape in attempting to sort out your affairs after you die. More importantly, if you don’t make a Will, then it could stop your final wishes being granted…