I am sure that we are all aware of the need to have a will in place and yet many people still don't have a valid will. 

If you are a business owner have you considered the impact on your business, your employees, your customers and your family if you were to die?

Have you considered the possible impact of your incapacity?

Many people only realise the benefit of planning for the unexpected when disaster strikes, however the peace of mind that can result from knowing that your family and your business are protected will be invaluable!