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KEEPING YOU IN TOUCH - YOUR FREE MONTHLY NEWSPAPER DELIVERED DOOR-TO-DOOR FOR 31 YEARS


Estate Planning www.estateplanning.coop.co.uk


Richard Johnson Safeguarding Assets


01900 85269 07745 225 491


Richard.Johnson1@coop.co.uk NEW LIFETIME


PROPERTY TRUST


For people who are below the Inheritance Tax threshold and likely to remain so the traditional Lifetime Property Protection Trust (LPPT) is a good solution for the protection of a private residence. It creates a Discretionary Trust enabling the Trustees to decide what is done with the property once the last Settlor has died. However, for those couples for whom Inheritance Tax is likely to be relevant to their estate this Discretionary Trust will prevent the new Residential Nil Rate Band (RNRB) allowances to be claimed which currently would lead to an additional £80k Inheritance bill on an estate worth £850k, (assuming their property is worth at least £200k). This is because Discretionary Trusts are deemed not to be passing the property directly to the children, even if the children are the beneficiaries of them.


Thus, a new Non-Discretionary Lifetime Property Trust has been created by Co-op Legal Services for those couples whose estate is likely to be over £650k or for single people worth over £325k such that the property held in the Trust passes directly to the children of the Settlors. The full RNRB can still be claimed and by April 2020 this means a married couple can hold their property in Trust and will still have a £1m Inheritance Tax allowance, (assuming their house is worth £350k).


It is a ‘win-win’ solution enabling full Inheritance Tax exemption to be claimed and for all the advantages of holding a property in trust to be accrued. I have many years of experience in helping people with these matters and Co-op Legal Services are fully Regulated by the Solicitors Regulation Authority so you can rest assured every ‘t’ is crossed and ‘i’ is dotted.


Richard Johnson 01900 85269 or 07745 225 491


Richard Johnson Estate Planning Practitioner


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Our team worked together with family lawyer Louise Winter and trainee solicitor Holly Berwick from local law firm Oglethorpe & Broatch, to prepare the prosecution and defence of the two prescribed court cases. Their help would prove invaluable in the competition and trials to come.


Using Case 1, we faced off against St. Bede’s in round one, resulting in a decisive victory for our team’s prosecuting barristers and witnesses. Continuing the trend of prosecution, our next case was against North Durham Academy, producing another victory for Keswick. Finally, we revisited Case 1, this time defending against All Saints’ C of E Academy, subsequently winning our third case.


Following the Newcastle regionals, the court reporters and court artists have submitted their entries to the national competition and will shortly find out the results.


Our team is actively seeking sponsorship for the journey down to Cardiff. Please contact melanieavery@keswick.cumbria.sch.uk


readers would like to support in any way. Isabella Hankin - Court Reporter Year 12


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Following the team’s success at the Newcastle Crown Court, with the presiding judge, Judge Angela Rippon. The 2 artists’ renditions have been submitted by our court artists to the national competition.


On 25th November, Keswick School’s Bar Mock Trial team of 4 barristers, 4 witnesses, court clerk, court usher, 5 jury members, 2 court artists and 2 court reporters attended the regionals at Newcastle Crown Court and successfully made it through to the national finals.


Based on the previous performances of each team, Judge Angela Rippon announced that Keswick School and Egglescliffe School would proceed to the final to compete for the chance to advance to the national finals.


After a tension-filled and nerve-wracking experience where both teams displayed their expertise, Keswick School was eventually crowned the winner. Consequently, our team will move forward to the national finals to be held in Cardiff Crown Court on 24th March.


~ BAR MOCK TRIAL TRIUMPH~


ISSUE 422 | 25 JANUARY 2018 | 22


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