As an estate planning consultant, I see it all the time: clients know they should plan, but they hesitate. Sometimes it’s because they feel too young, too healthy, or too overwhelmed. Other times, it’s because the choices are just hard—who should care for the children, how to divide the estate fairly, what to say to loved ones.

But here’s the truth: doing nothing is still a decision. And often, it’s a decision with real—and sometimes painful—consequences for the people left behind.

You may think that LPAs are just for the retired and elderly.

But the truth is, every adult needs one. Making a Lasting Power of Attorney (LPA) gives you control. YOU choose who you want to support you if you need help after an accident, illness or in later life.

Here are my top 10 reasons why everyone over 18 should make Lasting Powers of Attorney.