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So far neptune has created 8 blog entries.

What to Wear to a Funeral

Hopefully you won’t be attending funerals regularly, so you might not be sure what to wear when you do go to one. If you’re planning a funeral, you might be tempted to set a dress code, or encourage guests to wear what makes them feel comfortable. You might be going to a non-traditional funeral for [...]

Lifetime Trustees: What You May Need to Specify in Your Will if You Have a Child Under 18

When writing your last will and testament, if a beneficiary is under the age of 18, there’s a few steps you will have to go through to make sure you have covered everything you need to, to ensure the child gets what they are promised in the will. If the beneficiary is your child, it [...]

How to Get Help With Funeral Costs

The average funeral now costs nearly four thousand pounds, and the costs of burial, cremation and funeral director’s services have nearly doubled in the last quarter of a century. While it’s unpleasant to even think about planning for your own funeral or that of a friend or family member, there are programs out there that [...]

AIM Inheritance Tax Service ISA

You no longer have to give up the tax advantage of your ISA in order to shelter your ISA portfolio from IHT. HOW IT WORKS -The provider invests on your behalf into shares in a diverse selection of established companies, quoted on the AIM market, that qualify for Business Property Relief (BPR). BPR is a [...]

Expressions of Wishes in pensions

The new option of a Nominees' Drawdown Pension on death provides significantly increased flexibility, with the possibility of income payments to beneficiaries other than dependants, tax free on death before 75 and taxed at the recipient's marginal rate on death after 75. A review of existing expressions of wishes might make sense - if the [...]

A will is not expensive – getting it wrong is expensive.

EVER HEAR THE STORY of the giant ship engine that failed? The ship’s owners tried one expert after another, but none of them could figure out how to fix the engine. Then they brought in an old man who had been fixing ships since he was a youngster. He carried a large bag of tools [...]

Take care when planning to limit IHT on behalf of a doner when you have a lasting Power of Attorney on their behalf.

Inheritance Tax planning under a Power of Attorney If you are considering using gifting strategies as an attorney of an incapacitated donor in order to reduce an inheritance tax burden on the donor’s estate you need to know just what is and what isn’t allowed in this field. The Court of Protection guidelines suggest that [...]

How do you come to terms with being mugged by your Stepmother

You may think from the headline this is a real life thriller or I have just been mugged at a cash point but you could not be further from the truth.  My late stepmothers's cruel act of betrayal has left a scar that just won't heal. After my mother died my father William Herd married [...]

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