Kate Garraway has opened up on the financial hardship she is facing because many of her finances and bills are in her husband Derek Draper's name, and she does not have a power of attorney over his affairs in place.

A lasting power of attorney (LPA) is an important document which legally authorises the people you trust to act on your behalf.

Kate's circumstances highlight the importance of having a conversation with your loved ones. We often deal with cases where one partner in a relationship looks after most of the financial aspects. Thinking about the possibility that illness might affect us or a loved one is difficult, but talking about it and planning for the future is, in fact, a positive step that will help you prepare for whatever lies ahead, and help to ease the worry, burden and stress for family and friends.