Most of us have probably come across the term “guardian” or “guardianship,” but have you ever stopped to think about whether this is something you need to put in place? As a parent, it may be something you think you may never have to consider but the safest option is to make provisions for your…

Dear Reader, The Christmas songs keep on telling us that Christmas is the most wonderful time of the year. For most hopefully it is, but for many people and families especially, the loss of a parent, husband or wife, child, brother or sister or close friend during the preceding year can be a time of…