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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


DISINHERITANCE… IT HAPPENS!


When disinheritance happens, it is usually because ‘preventative medicine’ has not been undertaken. That is a strange way of describing it but in essence it is true. There are lots of ways of mitigating unnecessary loss, but a common theme is that they require some forward planning. Wherever you are in the financial spectrum and whatever your age every now and again it is worth pausing, reflecting and asking yourself: ‘Is the Inheritance Planning I have in place relevant and appropriate?’


In my experience the most effective ways of unintentionally disinheriting loved ones are through (i) intestacy; (ii) failure to plan for the possibility of a Care situation; (iii) a lack of understanding of Gifting and Inheritance Tax rules; (iv) second marriages that involve the purchase of property. The squandering of money is actually very unusual, though I did hear of one bored old boy who for several years managed to lose the better part of a thousand pounds a week through television betting sites, albeit his children were quite philosophical about it…it kept him entertained and cost little more than had he been a resident in a Care home!


More seriously, the asking of oneself the question: ‘Do I actually know and understand what Inheritance Planning options are available to me’ is worth considering. Rarely do I visit someone who has maximised what can be done. I don’t charge for a consultation if you are within NW Cumbria and there is no obligation at all to purchase any form of planning. I provide a personalised service and I am very thorough. All documentation that is created is done so by Co-op Legal Services who are fully regulated by the Solicitors Regulation Authority. I provide bespoke planning that is reasonable in cost and all Co-op members get a 5% reward back onto their card or for funeral plans a direct 5% reduction in the price.


Richard Johnson 01900 85269 or 07745 225 491


Richard Johnson Estate Planning Practitioner


Value for money in the Post


Advertise in this space for only £38.00!


Call Helen or Mike on 01900 824655 or email: info@thecockermouthpost.co.uk


INFO@THECOCKERMOUTHPOST.CO.UK


LATEST DATA SHOWS HIGHEST LEVELS OF BUSINESS CONFIDENCE IN LAST TWO YEARS


One of Cumbria’s leading firms of accountants, tax and business advisers, Lamont Pridmore, has said that new research from the Institute of Chartered Accountants in England and Wales (ICAEW) shows small businesses are more confident about their future.


In recent years, businesses have portrayed a rather gloomy outlook, when it came to their future growth and success but the latest Business Confidence Monitor from the ICAEW shows that more SMEs feel good about their prospects, with general confidence rated at +7%.


Comparing it to previous results provided by the institute, it was the highest confidence level recorded in the last two years of quarterly surveys.


Surprisingly, those companies exporting overseas were the most confident, despite the concerns about Brexit and other trade tariffs.


Much of this growth in confidence can be traced back to a growth in sales across several sectors; however, levels are yet to reach the highs of two years ago.


SMEs also reported improved profit growth thanks to sales growth and restraint on wages. However, owners did say that they had to contend with high input prices and low selling price growth.


The current conditions and confidence are supporting increases in capital investment, research and development (R&D) and staff development budgets.


Graham Lamont, Chief Executive at Lamont Pridmore, said: “We welcome this increase


Further information about Lamont Pridmore is available by telephoning 01900 659 55 or emailing info@lamontpridmore.co.uk


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in confidence, but it is clear that there is still a long way to go for many businesses.


“While exporters seem to be particularly confident, despite the uncertainty of Brexit, it is interesting to see that all SMEs are looking to invest in new developments. This is certainly a big change in trend to previous years, where firms have been far more cautious.


“With profit improvement already proving key to many of the businesses surveyed, it is something that other companies should be considering if they wish to compete effectively in the future.”


Les Walker, Managing Director at Lamont Pridmore’s Workington office, added: “While much uncertainty still exists, it is important that business owners take time out to plan ahead for the medium and long- term.


“Creating a set of goals for the future will help them to monitor their performance against their expectations, which will prove vital if they are to make the most of the resources available to them.”


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