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Debbie Koziol

BFW Estate Planning Consultant

Debbie Koziol

Estate Planning Consultant, Cheshire

Debbie Koziol is the BFW Estate Planning Consultant for Cheshire, covering Chester, Macclesfield, Warrington and the surrounding areas. She has personal experience caring for a parent with dementia and is passionate about helping families plan ahead.

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Thought Leadership

All articles by Debbie Koziol

Probate and Estate Planning: Making Things Easier for the People You Love
Probate & Estate Administration

Probate and Estate Planning: Making Things Easier for the People You Love

Debbie Koziol explains how clear, current estate planning can make probate and estate administration easier for the people you love in Cheshire.

27 August 20267 min read
What Happens if Someone Lacks Capacity?
Lasting Power of Attorney

What Happens if Someone Lacks Capacity?

Debbie Koziol, estate planning consultant in Cheshire, explains what happens under the Mental Capacity Act when someone cannot make decisions for themselves — and how early estate planning can protect your loved one's wishes and reduce the risk of future family disputes.

7 August 20266 min read
Mental Capacity and Making a Will: How I Assess It and Why It Matters
Will Writing

Mental Capacity and Making a Will: How I Assess It and Why It Matters

Debbie Koziol, BFW estate planning consultant in Cheshire, explains how mental capacity is assessed when making a Will — and why a dementia diagnosis doesn't automatically prevent someone from writing one.

23 July 20267 min read
Preparation is Key: Protecting Your Family, Preserving Choice and Reducing Stress
Lasting Power of Attorney

Preparation is Key: Protecting Your Family, Preserving Choice and Reducing Stress

The best time to make important decisions is while you still have complete freedom to make them. Debbie Koziol, estate planning consultant in Cheshire, explains why planning ahead with a Will and Lasting Power of Attorney protects your parents' wishes, your family and their independence.

16 July 20266 min read
Who Would Raise Your Children if You Couldn't? Why Appointing Guardians in Your Will Matters
Will Writing

Who Would Raise Your Children if You Couldn't? Why Appointing Guardians in Your Will Matters

One question stops parents in their tracks: who would look after my children if I wasn't here? Debbie Koziol, estate planning consultant in Cheshire, explains why appointing guardians in your Will is one of the most important decisions you can make.

10 July 20265 min read
Why Future Planning Matters for Families Living with Dementia
Lasting Power of Attorney

Why Future Planning Matters for Families Living with Dementia

Debbie Koziol, BFW Cheshire Estate Planning Consultant, shares her personal experience of caring for parents with dementia and explains why estate planning — including Wills and Lasting Powers of Attorney — matters so much for families affected by dementia.

4 July 20267