Estate Planning

Richard Johnson Safeguarding Assets 01900 85269 07745 225 491 PRE-PAID


The media seems to have been recently awash with advertisements about Funeral Plans. How do they work and are they a good idea?

The advantages of pre-paid funeral plan are that your family will never face having to find the cost of your funeral. Typically the bill lands with them ten days after your departure and it can be a very great shock to them, akin to you having left them a ‘Parthian Shot’. Clearly if you have pre-paid your funeral there will be no bill. You will have also purchased it at the price that was current at that time. If the provider’s plan is ‘Fully Guaranteed’ (be aware that not all are) then this means even if costs to the provider have risen in the time period between purchase and your departure they will absorb these and not pass them on to the family.

The Co-op only offers the ‘Fully Guaranteed’ fixed price Funeral Plans. They can be paid for over a number of years depending on your age. This means that even if the cost of a funeral has trebled by the time you need it there will still be no bill to pay by your family. Your money is held in a whole of life insurance policy with The Royal London Mutual Insurance Society Ltd and it is also under the Trusteeship of Link Corporate Trustees (UK) Ltd who work with the Funeral Planning Authority who monitor the operation of Registered Funeral Plan Companies. In short, your money is as safe as houses…Are Pre-Paid Funeral Plans a good idea? I think so. I have bought one myself.

If you would like a more detailed chat about what is on offer or indeed about any aspect of Estate Planning (Wills, Trusts to protect Property and Savings, Powers of Attorney, Probate) then get in touch. I offer a home visit service. I am based in the Vale of Lorton just south of Cockermouth and to the west of the Whinlatter Pass.

Richard Johnson 01900 85269 or 07745 225 491

Richard Johnson Estate Planning Practitioner


We raised over £700 for West Cumbria Hospice at Home!

A huge thank you to everyone who came to Cockermouth Show and played our Wheel of Fortune & Cornhole games


Cockermouth Travel, 60 Main Street, Cockermouth, Cumbria CA13 9LU 01900 822308 • Facebook/cockermouthtravel • Instagram/cockermouthtravel


This month is all about an amazing California road trip Heartburn and I took at the end of June.

29/06/2019 – We flew on the direct flight Manchester to San Francisco for 3 nights, exploring this fantastic city.

30/06/2019 – We took a hop on hop off bus tour, which I always recommend as a great way to get your bearings. Next stop was Alcatraz, the allegedly escape proof former prison. The tickets include the return boat and a superb audio tour that brings to life the experiences of former inmates and guards as it guides you around the site. Heartburn even got his picture taken with an ex-inmate, although we didn’t dare ask what he had done!

01/07/2019 – We hired bikes at Fisherman’s Wharf and cycled across the Golden Gate Bridge, through Sausalito, then on past millionaires’ mansions to Tiburon for the ferry home.

02/07/2019 and 03/07/2019 –We picked up a mustang convertible and drove to Groveland, which is an old mining town that looks like a scene from a cowboy film, to stay at the Charlotte Hotel. We spent the next two days exploring Yosemite, the most beautiful place I have ever been to. Cycling, walking through groves of giant redwood trees, white water rafting and seeing wildlife, before returning to Groveland and dinner in the Iron Door Saloon.

04/07/2019 – Today’s top down road trip was the scenic route through country towns and fields of fruit and crops across country to Monterey Bay.

05/07/2019 – We took a whale watching trip and had a fantastic day, where we saw hundreds of dolphins, humpbacks and a huge blue whale that was on the surface sunbathing.

06/07/2019 – Driving down Highway 1, saying this iconic route is spectacular is an understatement. The route through Carmel, the Big Sur and onwards to San Simeon is amazing, with a new stunning vista around every corner. We stayed overnight in Cayucos a little beach town.

07/07/2019 – First stop was San Luis Obispo and a stop at the famous Louisa’s Diner. Heartburn had the full works American breakfast, while I drooled into my coffee. Then it was onwards down the coast where we hired a dune buggy at Pismo Beach in the morning and in the afternoon. We saw hundreds of elephant seals basking and fighting on the beach just off the main highway to Santa Barbara.

08/07/2019 – Santa Monica and fantastic a couple of days chilling and enjoying beach life. We hired skateboards and followed the boardwalk to Venice Beach to watch the surfers and skateboarders doing their thing. Heartburn braved the Pacific Ocean, whilst I held down a beach towel!

10/07/2019 – Las Vegas, where we took a quick tour of the sights, including Fremont Street and some last-minute shopping before it was time to head home after one of the best trips ever!

Can’t wait to go back! Paul Cusack

ISSUE 434 | 22 AUGUST 2019 | 14

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