Who we are: nigglystuff.co.uk is operated by Fane Financial Services, an independent financial adviser based in Dorset, UK.
What we collect: When you complete this tool we collect your first name and email address, along with your answers to the questions in this tool.
How we use it: We use your email address to send you your personalised LPA action plan PDF. We also send a notification to Fane Financial Services so that Sean can follow up if you request a call. We do not sell your data, share it with third parties for marketing, or add you to any mailing list without your explicit consent.
How long we keep it: Your data is retained for 12 months and then securely deleted, unless you become a client of Fane Financial Services, in which case our standard client data retention policy applies.
Your rights: You have the right to access, correct, or delete your data at any time. Contact us at hello@fanefinancialservices.co.uk.
Legal basis: We process your data on the basis of your consent, given when you tick the box and submit this form.
Do you have the paperwork to protect the people you love?
Answer 8 quick questions. Get a personalised action plan — free, in minutes.
80%of UK adults have no LPA
£3,000+Court of Protection cost if left too late
8 minsto complete this guide
Getting started1 of 8
Before we start
What is a Lasting Power of Attorney?
An LPA is a legal document that lets you choose someone you trust — called an attorney — to make decisions on your behalf if you become unable to make them yourself.
Why it matters
Without an LPA, even your closest family cannot legally access your bank account, pay your bills, or make medical decisions for you if you lose mental capacity. They would need to apply to the Court of Protection — a process that costs £3,000–£5,000 and takes 6–12 months.
The critical point
An LPA must be set up before you lose mental capacity. Once capacity is lost, it is too late. A diagnosis of dementia, a stroke, or a serious accident can change everything overnight.
Question 1 of 8 — About you
How old are you?
LPAs are relevant at any age — accidents and illness don't only affect older people — but age helps us tailor your action plan.
Question 2 of 8 — The two types
Do you know there are two different types of LPA?
Most people don't. They cover very different things and you can have one or both.
Type 1 — Property & Financial Affairs LPA
Covers your bank accounts, investments, property, bills, and pensions. Your attorney can act immediately — even while you still have capacity — or only when you've lost it, depending on how you set it up.
Type 2 — Health & Welfare LPA
Covers medical treatment decisions, where you live, your daily care routine, and end-of-life wishes. This one can only be used once you've lost mental capacity.
Question 3 of 8 — Your situation
Which of these apply to you?
Select all that apply. This helps us identify which LPA type is most urgent for you.
Question 4 of 8 — Your attorney
Who would act as your attorney?
An attorney must be over 18 and cannot be bankrupt (for a financial LPA). You can appoint more than one attorney and set rules for how they must act together.
Choosing wisely
Your attorney will have significant legal power. Choose someone you trust completely, who is organised and financially responsible, and who understands your wishes. Many people choose a spouse or adult child — but also consider a backup attorney in case your first choice is unable to act.
Question 5 of 8 — A step most people miss
Do you know what a Certificate Provider is?
This is one of the most commonly missed requirements — and getting it wrong can invalidate the entire LPA.
What is a Certificate Provider?
A Certificate Provider is an independent person who certifies that you understand what you're signing and are not being pressured into it. They must be either someone who has known you well for at least 2 years, or a professional such as a solicitor, GP, or social worker. They cannot be your attorney or a family member.
Common mistake
Many DIY LPAs are rejected by the Office of the Public Guardian because the certificate provider doesn't meet the legal requirements. This delays registration and means paying fees again.
Question 6 of 8 — The registration step
Did you know an LPA must be registered before it can be used?
Signing the LPA is only part of the process. It must also be formally registered with the Office of the Public Guardian (OPG) before it has any legal effect.
OPG Registration
Registration takes 8–20 weeks and currently costs £82 per LPA (so £164 if you register both types). Those on low incomes may be exempt or receive a 50% reduction. Until it's registered, the document is legally worthless — even if it's been signed by everyone.
Question 7 of 8 — Your timeline
How would you describe the urgency for you personally?
Be honest — this helps us tailor your action plan to where you actually are right now.
Question 8 of 8 — Your action plan
Where shall we send your personalised action plan?
We'll generate a PDF checklist tailored to your answers and email it to you straight away.
We'll send your action plan here. Nothing else, ever.
An LPA is just one piece of protecting everything you've built. A free 30-minute call with Sean at Fane Financial Services can help you understand what else may need attention — pensions, protection, and estate planning.