4D AGO

S3 Ep2 - Later Life Planning for Business Owners

Many business owners delay putting in proper plans for later life. Why does this happen, and what consequences can it have? In this episode, Melinda Giles is joined by award-winning business coach Lucas Vigilante to explore what stops business owners from writing a will or establishing later life plans, and why they should be having conversations with solicitors and advisers. From breaking down the problems that emerge when formal plans aren’t in place, to the simple steps that directors can take now to secure their future – this is a must-watch episode for business owners. In this episode, you’ll discover: What stops business owners from creating formal later life plansWhy owners cannot simply rely on their company taking care of everythingWhat can go wrong without a written will or later life plan in placeHow having formal plans changes the way owners think and behaveWhy owners focus more on a business exit than life after the exitWhen business owners should speak to solicitors and advisersThe simple step business owners can take to start planning properly– – – Chapters 0:00 - Introduction 1:38 - Do business owners think about later life planning? 3:00 - What stops business owners from thinking about the future? 4:29 - Planning for your company and family’s futures 5:56 - Splitting Powers of Attorney for your business 8:09 - The dangers of delaying business and later life planning 11:28 - Does your shareholders’ agreement contradict your will? 12:40 - Have a solicitor and accountant when starting your business 15:12 - Getting married invalidates your existing will 16:40 - Later life planning should be taught in schools 17:26 - How Inheritance Tax changes affect business owners 18:58 - Make sure what you do aligns with what you want – – – With over 25 years of specialist experience, Melinda Giles is one of the UK’s leading contributors, speakers and authorities for private client law. A standout voice for all private client matters on TV, radio and podcasts, including well-received appearances on BBC Breakfast, Sky News, The Martin Lewis Money Show Live, Money Box and more, Melinda’s candid #TVLawyer video podcast answers the crucial questions people have about wills, probate, Powers of Attorney, and all aspects of later life planning. Need help with later life planning? Contact Giles Wilson: https://www.gileswilson.co.uk/ Want to learn more about Melinda? Visit her website: https://www.melindagiles.com/

21 min

MAR 4

S3 Ep1 - Financial Planning After Pension & Inheritance Tax Reforms

Following recent changes to pensions and Inheritance Tax laws, what should people be doing to manage their wealth and protect the legacy they leave their loved ones? In this episode, Melinda Giles is joined by Peter Ryan, Director & Chartered Financial Planner at Intellego Financial Planning, to discuss what the changes to pensions and Inheritance Tax really mean, and what they can do today that will make the biggest difference tomorrow. They also explore common mistakes people make with wealth planning, the importance of having both legal and financial advice, and much more in this thought-provoking edition of the #TVLawyer podcast. In this episode, you’ll discover: What people often get wrong about financial advice What changes to pensions and Inheritance Tax could mean for you Who is affected most by these changes The biggest mistake people make with their pensions and savings The difference that good financial planning can make Why you should be talking to both a solicitor and financial adviser The simple step that helps you ease into this process – – – Chapters 0:00 - Introduction 1:15 - What does a financial planner do? 3:12 - What do people tend to get wrong about financial advice? 3:55 - What has changed for pensions and Inheritance Tax? 6:21 - Who will be affected most by these pension changes? 8:18 - Understanding Inheritance Tax bands 9:03 - What’s the average pension pot in the UK? 10:27 - Why do people put off financial planning? 11:54 - Common mistakes about pensions and savings 14:30 - Getting pension advice is more important than ever 16:30 - Inheritance Tax is taxed at 40% 17:28 - The right and wrong approaches to estate planning 18:55 - Making financial decisions takes time – – – With over 25 years of specialist experience, Melinda Giles is one of the UK’s leading contributors, speakers and authorities for private client law. A standout voice for all private client matters on TV, radio and podcasts, including well-received appearances on BBC Breakfast, Sky News, The Martin Lewis Money Show Live, Money Box and more, Melinda’s candid #TVLawyer video podcast answers the crucial questions people have about wills, probate, Powers of Attorney, and all aspects of later life planning. Need help with later life planning? Contact Giles Wilson: https://www.gileswilson.co.uk/ Want to learn more about Melinda? Visit her website: https://www.melindagiles.com/

20 min

07/22/2025

S2 Ep8 - Care, Capacity & Finances in Later Life: Your Questions Answered

In the second special FAQ edition of the #TVLawyer Podcast, Melinda Giles is back to answer your most-asked questions on later life care, mental capacity, financial exploitation and protecting vulnerable loved ones. Melinda has dedicated her career to protecting the legal rights of the elderly and vulnerable. With over 25 years of specialist experience guiding people through the often-complex and sensitive world of private client law, Melinda is the expert you can rely on for clear, straightforward answers on this important topic. Get the legal advice you need to protect your loved ones’ future with total assurance in this enlightening episode. In this episode, Melinda explains: How someone’s mental capacity is judged from a legal perspective How a Lasting Power of Attorney or Court of Protection order can allow you to sell a loved one’s home What the Court of Protection is, how it works, and when you may need it What you should do if you fear a loved one has become a victim of financial abuse If your local council has the legal right to force a loved one into a care home How care home fees are determined and how much you could lose How you should handle a family dispute about a loved one’s care

21 min

06/03/2025

S2 Ep7 - Wills & Power of Attorney: Your Questions Answered

In the first of a two-part FAQ edition of the #TVLawyer Podcast, Melinda Giles answers seven key questions about wills, Powers of Attorney and protecting loved ones in later life. As one of the UK’s foremost specialists in private client law, with over 25 years of hands-on experience helping families, the elderly and the vulnerable, Melinda provides clear, practical answers to your most pressing questions regarding wills, Powers of Attorney and similar topics. Get the legal advice you need to plan for the future with absolute confidence in this special episode. In this episode, Melinda explains: Why you should still write a will even if you don’t have a lot of money or property The risks for unmarried couples if one of them passes away without a will The dangers of creating a DIY will rather than working with a solicitor The differences between a will and a Power of Attorney Why your children can’t just make decisions on your behalf without a Lasting Power of Attorney What to consider when choosing someone to act as your attorney What steps to take if you dispute the validity or layout of a loved one’s will

16 min

05/06/2025

S2 Ep6 - Estate Planning for Business Owners: Why You Need a Will

In Series 2, Episode 6 of the #TVLawyer Podcast, Melinda Giles talks to Roy Daby, Managing Partner and Head of Commercial Law at Giles Wilson, about how vital it is that business owners and directors have Wills and Powers of Attorney in place to protect their company and their loved ones should the worst happen. Many business owners – even the most strategically-minded ones – often delay discussions about what will happen when they pass away. Here, Melinda and Roy explain why you should have these conversations about a Will or Powers of Attorney as soon as possible, and the dangers of leaving this until it is too late. In this episode, they discuss: The importance of having a Will as a business owner or company director The value of organising Powers of Attorney should you one day lose mental capacity How working with a commercial solicitor saves company directors time, money and stress The need to update your Will as your company or personal life evolves The relationship between your limited company and your Will Tax reliefs you may be entitled to as a company owner or director Why you must have a professionally-made, carefully-worded shareholder’s agreement

19 min

04/01/2025

S2 Ep5 - Divorce, Separation & Additional Needs

In Series 2, Episode 5 of the #TVLawyer Podcast, Melinda Giles is joined by Leah Ellis, Senior Lawyer and Family Law specialist at Giles Wilson, to provide some invaluable advice on divorce and separation, particularly those that involve either children or partners with additional needs. As someone with an autistic son herself, Leah understands the unique considerations that parents with neurodiverse children must keep in mind. In this episode, she shares her knowledge and experience of helping parents of children with additional needs make arrangements when they separate, and shares her advice for handling these delicate cases. In this episode, they discuss: The importance of updating your Will before a divorce or before you remarry How you can manage jointly owned property during a divorce or separation Unique factors to making child arrangements for neurodiverse children The need for total transparency from clients through divorce proceedings How solicitors help protect vulnerable clients from coercive control The role Litigation Friends can play in divorce or separation proceedings

19 min

03/04/2025

S2 Ep4 - Assisted Dying & Legal Planning

In Series 2, Episode 4 of the #TVLawyer Podcast, Melinda Giles sits with Sade Assibey, Senior Lawyer and Court of Protection specialist at Giles Wilson, to discuss the recent Assisted Dying Bill and what legal actions you can take regarding “end of life” care today. With many years of experience supporting vulnerable clients and their families, Melinda and Sade explore how Lasting Powers of Attorney and Advanced Directives can help people make choices over life-sustaining treatment if they were to lose mental capacity. In this episode, they discuss: What the Assisted Dying Bill is and why it may take a long time to confirmHow Lasting Powers of Attorney for Health & Welfare workWhy a Lasting Power of Attorney doesn’t stop you from making decisionsThe importance of choosing your attorneys wisely and having the tough conversationsWhat an Advanced Directive is and its relationship to life-sustaining treatmentThe need for specialist legal advice when establishing Powers of Attorney or Advanced DirectivesThe huge responsibility on attorneys around life-sustaining treatment

19 min

02/04/2025

S2 Ep3 - Life-Changing Events & The Legal Steps to Consider

In Series 2, Episode 3 of the #TVLawyer Podcast, Melinda Giles is joined by Demi Marie, Senior Lawyer and Private Client expert at Giles Wilson, to explore a wide range of life-changing events and the legal planning you should consider for each one. From updating your Will and setting up trusts following the birth of a new child or grandchild, to how to protect your beneficiaries when you marry or remarry – Melinda and Demi explain the importance of trusted legal advice during life’s biggest moments. In this episode, they discuss: Why parents and grandparents should create or update their Will after welcoming a newborn The importance of updating your Will when your child becomes an adult Setting up trusts for children in your Will if you pass away before they turn 18 How a marriage revokes a pre-existing Will and steps to take to address this The numerous legal aspects of marriage and how solicitors help you manage these What legal advice to receive before remarrying to preserve your Will The value of specialist estate planning after inheriting a large sum of money

15 min

#TVLawyer

S3 Ep2 - Later Life Planning for Business Owners

S3 Ep1 - Financial Planning After Pension & Inheritance Tax Reforms

S2 Ep8 - Care, Capacity & Finances in Later Life: Your Questions Answered

S2 Ep7 - Wills & Power of Attorney: Your Questions Answered

S2 Ep6 - Estate Planning for Business Owners: Why You Need a Will

S2 Ep5 - Divorce, Separation & Additional Needs

S2 Ep4 - Assisted Dying & Legal Planning

S2 Ep3 - Life-Changing Events & The Legal Steps to Consider

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Episodes

S3 Ep2 - Later Life Planning for Business Owners

S3 Ep1 - Financial Planning After Pension & Inheritance Tax Reforms

S2 Ep8 - Care, Capacity & Finances in Later Life: Your Questions Answered

S2 Ep7 - Wills & Power of Attorney: Your Questions Answered

S2 Ep6 - Estate Planning for Business Owners: Why You Need a Will

S2 Ep5 - Divorce, Separation & Additional Needs

S2 Ep4 - Assisted Dying & Legal Planning

S2 Ep3 - Life-Changing Events & The Legal Steps to Consider

About

Information